US · USD
UMBF
UMB Financial Corporation
- Day's range
- $129.07 – $130.74
- Day's volume
- $71.9M
- 52-week range
- $102.51 – $151.50
Follow UMBF in the Fuolio
See how UMBF weighs in your net worth, what it has paid you and how far it is from your target allocation.
Create a free accountUMBF in numbers
- Market cap
- $9.9B
- P/E
- 10.48
- P/B
- 1.23
- Dividend yield (12m)
- 1.38%
The 12-month dividend yield of UMBF is 1.38%, below its 5-year average of 1.52%.
UMBF price history
UMBF risk and return
Monthly closes adjusted for splits and distributions.
| Metric | 12 months | 36 months | 60 months |
|---|---|---|---|
| Return | +18.80% | +90.27% | +40.61% |
| Volatility (annualized) | 23.16% | 27.05% | 31.15% |
| Largest drawdown | -10.95% | -24.10% | -45.48% |
| Positive months | 7/12 | 22/36 | 34/60 |
How much did investing in UMBF return?
$1,000.00 invested on 11/01/2021 would be worth $1,406.07 today.
- Value today in UMBF
- $1,406.07
- Return over the period
- +40.61%
- Return per year
- +7.16%
- In the S&P 500
- $1,712.05
With dividends reinvested, before taxes and costs, at month-end closes. Past returns do not guarantee future ones.
UMBF fundamentals
Valuation
- P/E10.48
- P/B1.23
- EV/EBITDA—
- EV/EBIT—
- EV/Revenue—
- P/EBIT—
- P/S—
- P/OCF9.07
- P/FCF9.49
- Earnings yield—
- PEG ratio—
- Earnings per share$12.41
- Book value per share$105.74
Debt
- Net debt-$5.1B
- Net debt/EBITDA—
- Net debt/Equity-0.64
- Debt/Equity0.06
- Current ratio—
- Quick ratio—
- Cash ratio—
Profitability
- ROE11.74%
- ROA1.30%
- ROIC—
- Payout14.42%
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 UMBF's fair price?
Two classic value formulas, with today's numbers. The current price is $130.08.
- Graham's fair price
- $171.84
- 32.10% above the price
√(22.50 × $12.41 × $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
- $24.97
- 80.81% below the price
$1.50 (5-year average) ÷ 6%
Décio Bazin only bought stocks yielding at least 6% a year in distributions. The ceiling price is the average dividend per share of recent years over 6%.
Graham ignores growth and debt; Bazin assumes past distributions repeat. They are references to compare, not a buy recommendation.
UMBF's indicators by year
Multiples at each year's closing price; margins and returns from that year's statements.
| Indicator | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 |
|---|---|---|---|---|---|---|---|---|
| P/E | 12.47 | 18.57 | 11.63 | 9.38 | 14.56 | 11.60 | 13.83 | 15.30 |
| P/B | 1.14 | 2.36 | 1.31 | 1.52 | 1.63 | 1.10 | 1.29 | 1.34 |
| Dividend yield | 1.39% | 1.38% | 1.82% | 1.77% | 1.25% | 1.80% | 1.75% | 1.88% |
| Earnings per share | $9.23 | $6.08 | $7.18 | $8.90 | $7.29 | $5.95 | $4.96 | $3.99 |
| Book value per share | $101.05 | $47.75 | $63.61 | $54.99 | $64.91 | $62.62 | $53.10 | $45.43 |
| ROE | 9.13% | 12.73% | 11.29% | 16.19% | 11.22% | 9.50% | 9.35% | 8.77% |
UMBF's financial statements
| Line | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 |
|---|---|---|---|---|---|---|
| Net revenue | — | — | — | — | — | — |
| Cost of revenue | — | — | — | — | — | — |
| Gross profit | — | — | — | — | — | — |
| EBITDA | — | — | — | — | — | — |
| EBIT | — | — | — | — | — | — |
| Financial result | — | — | — | — | — | — |
| Income before tax | $875M | $541.3M | $421.6M | $532M | $429.1M | $338.9M |
| Income tax | -$172.6M | -$100M | -$71.6M | -$100.3M | -$76M | -$52.4M |
| Net income | $702.4M | $441.2M | $350M | $431.7M | $353M | $286.5M |
Figures the company filed with the CVM. Debt excludes leases; each quarter is that quarter alone.
Does UMBF pay dividends?
Dividend yield per year
- 1.42%2017
- 1.88%2018
- 1.75%2019
- 1.80%2020
- 1.25%2021
- 1.77%2022
- 1.82%2023
- 1.38%2024
- 1.39%2025
- 1.38%2026
| Type | Last day to own | Payment | Per share |
|---|---|---|---|
| Dividend | 09/09/2026 | 10/01/2026 | $0.50 |
| Dividend | 06/09/2026 | 07/01/2026 | $0.43 |
| Dividend | 03/09/2026 | 04/01/2026 | $0.43 |
| Dividend | 12/09/2025 | 01/02/2026 | $0.43 |
| Dividend | 09/09/2025 | 10/01/2025 | $0.40 |
| Dividend | 06/09/2025 | 07/01/2025 | $0.40 |
| Dividend | 03/07/2025 | 04/01/2025 | $0.40 |
| Dividend | 12/09/2024 | 01/02/2025 | $0.40 |
| Dividend | 09/09/2024 | 10/01/2024 | $0.39 |
| Dividend | 06/07/2024 | 07/01/2024 | $0.39 |
| Dividend | 03/07/2024 | 04/01/2024 | $0.39 |
| Dividend | 12/07/2023 | 01/02/2024 | $0.39 |
See all 40 distributions
| Type | Last day to own | Payment | Per share |
|---|---|---|---|
| Dividend | 09/07/2023 | 10/02/2023 | $0.38 |
| Dividend | 06/08/2023 | 07/03/2023 | $0.38 |
| Dividend | 03/08/2023 | 04/03/2023 | $0.38 |
| Dividend | 12/08/2022 | 01/03/2023 | $0.38 |
| Dividend | 09/08/2022 | 10/03/2022 | $0.37 |
| Dividend | 06/08/2022 | 07/01/2022 | $0.37 |
| Dividend | 03/08/2022 | 04/01/2022 | $0.37 |
| Dividend | 12/08/2021 | 01/03/2022 | $0.37 |
| Dividend | 09/08/2021 | 10/01/2021 | $0.37 |
| Dividend | 06/08/2021 | 07/01/2021 | $0.32 |
| Dividend | 03/08/2021 | 04/01/2021 | $0.32 |
| Dividend | 12/08/2020 | 01/04/2021 | $0.32 |
| Dividend | 09/08/2020 | 10/01/2020 | $0.31 |
| Dividend | 06/08/2020 | 07/01/2020 | $0.31 |
| Dividend | 03/06/2020 | 04/01/2020 | $0.31 |
| Dividend | 12/06/2019 | 01/02/2020 | $0.31 |
| Dividend | 09/06/2019 | 10/01/2019 | $0.30 |
| Dividend | 06/06/2019 | 07/01/2019 | $0.30 |
| Dividend | 03/07/2019 | 04/01/2019 | $0.30 |
| Dividend | 12/06/2018 | 01/02/2019 | $0.30 |
| Dividend | 09/06/2018 | 10/01/2018 | $0.29 |
| Dividend | 06/07/2018 | 07/02/2018 | $0.29 |
| Dividend | 03/07/2018 | 04/02/2018 | $0.29 |
| Dividend | 12/06/2017 | 01/02/2018 | $0.28 |
| Dividend | 09/06/2017 | 10/02/2017 | $0.26 |
| Dividend | 06/06/2017 | 07/03/2017 | $0.26 |
| Dividend | 03/07/2017 | 04/03/2017 | $0.26 |
| Dividend | 12/06/2016 | 01/03/2017 | $0.26 |
About Umb Financial
- Sector
- Finance, insurance and real estate
Questions about UMBF
How much is UMBF today?
UMBF is at $130.08 (0.22% on the day), last traded on 10/06/2026.
How much did UMBF pay in dividends in 2025?
UMBF paid $1.60 per share in 2025, a dividend yield of 1.39%.
What are the P/E and P/B of UMBF?
UMBF trades at a P/E of 10.48 and a P/B of 1.23.
How much did UMBF return in 12 months?
UMBF returned 18.80% in 12 months, with annualized volatility of 23.16% and a largest drawdown of -10.95%.