US · USD
UMBFO
UMB Financial Corporation
- Day's range
- US$25.38 – US$25.67
- Day's volume
- US$254.7k
- 52-week range
- US$24.49 – US$26.32
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See how UMBFO weighs in your net worth, what it has paid you and how far it is from your target allocation.
Create a free accountUMBFO in numbers
- Market cap
- US$1.9bn
- P/E
- 2.04
- P/B
- 0.24
- Dividend yield (12m)
- 7.63%
UMBFO trades at 2.04 times its earnings of the last 12 months.
UMBFO price history
UMBFO risk and return
Monthly closes adjusted for splits and distributions.
| Metric | 12 months |
|---|---|
| Return | +2.23% |
| Volatility (annualised) | 7.03% |
| Largest drawdown | -4.06% |
| Positive months | 7/12 |
How much did investing in UMBFO return?
US$1,000.00 invested on 01/06/2025 would be worth US$1,078.84 today.
- Value today in UMBFO
- US$1,078.84
- Return over the period
- +7.88%
- Return per year
- +5.84%
- In the S&P 500
- US$1,244.61
With dividends reinvested, before taxes and costs, at month-end closes. Past returns do not guarantee future ones.
UMBFO fundamentals
Valuation
- P/E2.04
- P/B0.24
- EV/EBITDA—
- EV/EBIT—
- EV/Revenue—
- P/EBIT—
- P/S—
- P/OCF1.77
- P/FCF1.85
- Earnings yield—
- PEG ratio—
- Earnings per shareUS$12.41
- Book value per shareUS$105.74
Debt
- Net debt-US$5.1bn
- Net debt/EBITDA—
- Net debt/Equity-0.64
- Debt/Equity0.06
- Current ratio—
- Quick ratio—
- Cash ratio—
Profitability
- ROE11.74%
- ROA1.30%
- ROIC—
- Payout15.60%
Growth
- Revenue CAGR (5 years)—
- Earnings CAGR (5 years)18.15%
- Revenue growth (year)—
- Earnings growth (year)—
- Revenue growth (quarter)—
- Earnings growth (quarter)—
What is UMBFO's fair price?
Two classic value formulas, with today's numbers. The current price is US$25.38.
- Graham's fair price
- US$171.84
- 577.07% above the price
√(22.50 × US$12.41 × US$105.74)
Benjamin Graham paid no more than a P/E of 15 and a P/B of 1.5. Their product, 22.5, times earnings (EPS) and book value per share gives the fair price.
- Bazin's ceiling price
- US$11.00
- 56.66% below the price
US$0.66 (1-year average) ÷ 6%
Décio Bazin only bought shares yielding at least 6% a year in distributions. The ceiling price is the average dividend per share of recent years divided by 6%.
Graham ignores growth and debt; Bazin assumes past distributions will repeat. They are reference points for comparison, not a buy recommendation.
UMBFO indicators by year
Multiples at each year's closing price; margins and returns from that year's accounts.
| Indicator | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 |
|---|---|---|---|---|---|---|---|---|
| P/E | 2.93 | — | — | — | — | — | — | — |
| P/B | 0.27 | — | — | — | — | — | — | — |
| Dividend yield | 2.44% | — | — | — | — | — | — | — |
| Earnings per share | US$9.23 | US$6.08 | US$7.18 | US$8.90 | US$7.29 | US$5.95 | US$4.96 | US$3.99 |
| Book value per share | US$101.05 | US$47.75 | US$63.61 | US$54.99 | US$64.91 | US$62.62 | US$53.10 | US$45.43 |
| ROE | 9.13% | 12.73% | 11.29% | 16.19% | 11.22% | 9.50% | 9.35% | 8.77% |
UMBFO financial statements
| Line | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 |
|---|---|---|---|---|---|---|
| Net revenue | — | — | — | — | — | — |
| Cost of sales | — | — | — | — | — | — |
| Gross profit | — | — | — | — | — | — |
| EBITDA | — | — | — | — | — | — |
| EBIT | — | — | — | — | — | — |
| Net finance result | — | — | — | — | — | — |
| Profit before tax | US$875m | US$541.3m | US$421.6m | US$532m | US$429.1m | US$338.9m |
| Income tax | -US$172.6m | -US$100m | -US$71.6m | -US$100.3m | -US$76m | -US$52.4m |
| Net income | US$702.4m | US$441.2m | US$350m | US$431.7m | US$353m | US$286.5m |
Figures the company filed with the CVM. Debt excludes leases; each quarter is that quarter alone.
Does UMBFO pay dividends?
| Type | Last day to own | Payment | Per share |
|---|---|---|---|
| Dividend | 29/09/2026 | 15/10/2026 | US$0.48 |
Dividend yield per year
- 2.44%2025
- 5.72%2026
| Type | Last day to own | Payment | Per share |
|---|---|---|---|
| Dividend | 29/06/2026 | 15/07/2026 | US$0.48 |
| Dividend | 30/03/2026 | 15/04/2026 | US$0.48 |
| Dividend | 30/12/2025 | 15/01/2026 | US$0.48 |
| Dividend | 29/09/2025 | 15/10/2025 | US$0.66 |
About Umb Financial
- Sector
- Finance, insurance and real estate
Questions about UMBFO
How much is UMBFO today?
UMBFO is at US$25.38 (-2.16% on the day), last traded on 02/10/2026.
How much did UMBFO pay in dividends in 2025?
UMBFO paid US$0.66 per share in 2025, a dividend yield of 2.44%.
When is the next UMBFO dividend?
The next announced payment is US$0.48 per share on 15/10/2026.
What are the P/E and P/B of UMBFO?
UMBFO trades at a P/E of 2.04 and a P/B of 0.24.
How much did UMBFO return in 12 months?
UMBFO returned 2.23% in 12 months, with annualised volatility of 7.03% and a largest drawdown of -4.06%.