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UMB Financial Corporation

Financial Services US UMBF

128.7USD
2.35(1.86%)

Last update at 2026-06-04T20:00:00Z

Day Range

128.04130.49
LowHigh

52 Week Range

54.7987.36
LowHigh

Fundamentals

  • Previous Close 126.35
  • Market Cap3927.82M
  • Volume698928
  • P/E Ratio10.99
  • Dividend Yield1.88%
  • Revenue TTM1460.77M
  • Revenue Per Share TTM30.08
  • Gross Profit TTM 1430.13M
  • Diluted EPS TTM7.33

Source: TradingView
The charts and visual representations are sourced from TradingView through embedded widgets. For any issues with chart display, please visit the TradingView website

Analyst Recommendations

Financials

Income Statement

Balance Sheet

Change in Cash

Total Operating Cash

Dividends Paid

Breakdown 2022-12-31 2021-12-31 2020-12-31 2019-12-31 2018-12-31
Type yearly yearly yearly yearly yearly
Date 2022-12-31 2021-12-31 2020-12-31 2019-12-31 2018-12-31
Income before tax 532.01M 429.06M 338.89M 285.96M 223.59M
Minority interest - - - - -
Net income 431.68M 353.02M 286.50M 243.60M 195.51M
Selling general administrative 524.43M 531.32M 521.28M 491.63M 447.89M
Selling and marketing expenses 25.70M 18.53M 14.68M 26.26M 24.37M
Gross profit 221.92M 1195.99M 1218.23M 1027.73M 947.65M
Reconciled depreciation 5.04M 4.76M 62.80M 56.26M 53.12M
Ebit 750.71M 429.06M 338.89M 285.96M 391.71M
Ebitda 755.75M 433.82M 345.41M 291.47M 397.48M
Depreciation and amortization 5.04M 4.76M 6.52M 5.51M 5.76M
Non operating income net other - - - - -
Operating income 750.71M 429.06M 338.89M 285.96M 344.36M
Other operating expenses 25.70M -766.92800M -879.33800M -741.76200M 603.29M
Interest expense 223.72M 46.00M 77.26M 191.99M 121.52M
Tax provision 100.33M 76.04M 52.39M 42.37M 27.33M
Interest income 1137.52M 861.52M 808.49M 862.89M 731.96M
Net interest income 913.80M 815.52M 731.23M 670.90M 610.45M
Extraordinary items - - - - 4.23M
Non recurring - - - - -
Other items - - - - -
Income tax expense 100.33M 76.04M 52.39M 42.37M 27.33M
Total revenue 221.92M 1195.99M 1218.23M 1027.73M 947.65M
Total operating expenses 25.70M -766.92800M -879.33800M -741.76200M -603.29100M
Cost of revenue - - - - 192.26M
Total other income expense net -218.69800M -46.00100M 52.39M -191.98700M -120.76800M
Discontinued operations - - - - -0.74700M
Net income from continuing ops 431.68M 353.02M 286.50M 243.60M 196.26M
Net income applicable to common shares 431.68M 353.02M 286.50M 243.60M 195.51M
Preferred stock and other adjustments - - - - -
Breakdown 2023-12-31 2022-12-31 2021-12-31 2020-12-31 2019-12-31
Type yearly yearly yearly yearly yearly
Date 2023-12-31 2022-12-31 2021-12-31 2020-12-31 2019-12-31
Total assets 44011.67M 38512.46M 42693.48M 33127.50M 26561.35M
Intangible assets 101.42M 78.72M 14.42M 21.06M 27.60M
Earning assets - - - - 11420.72M
Other current assets 6090.75M 1248.40M 6812.44M 8854.06M 8064.74M
Total liab 40911.25M 381.31M 271.54M 269.60M 97.49M
Total stockholder equity 3100.42M 2667.09M 3145.42M 3016.95M 2606.44M
Deferred long term liab - - - - -
Other current liab 12520.52M 32639.13M 35599.93M 27051.25M 23857.42M
Common stock 55.06M 55.06M 55.06M 55.06M 55.06M
Capital stock 55.06M 55.06M 55.06M 55.06M 55.06M
Retained earnings 2810.82M 2536.09M 2177.00M 1891.25M 1672.44M
Other liab - 172.91M 188.66M 154.54M 62.07M
Good will 207.38M 207.38M 174.52M 180.87M 180.87M
Other assets - 37962.28M 7056.31M 9009.46M 8064.74M
Cash 5607.00M 1679.79M 9255.73M 3540.68M 1698.45M
Cash and equivalents - - - - -
Total current liabilities 16440.17M 32878.76M 39087.85M 27370.93M 23857.42M
Current deferred revenue - - - - -
Net debt -1304.11200M -1298.47600M -8984.18300M -3271.08500M -1600.95900M
Short term debt 3919.64M - - - 0.00500M
Short long term debt 1000.00M - - - 0.00500M
Short long term debt total 4302.89M 381.31M 271.54M 269.60M 97.49M
Other stockholder equity 791.47M 778.68M 787.05M 752.30M 795.76M
Property plant equipment - 263.65M 270.93M 293.10M 300.33M
Total current assets 6090.75M 0.42M 21363.34M 12980.26M 9270.32M
Long term investments 13180.58M 13233.28M 13813.96M 26677.04M 22179.75M
Net tangible assets - 2380.98M 2956.49M 2815.03M 2397.98M
Short term investments 7068.61M 7006.35M 11976.51M 9299.69M 7447.36M
Net receivables 519.66M 189.23M 131.10M 139.89M 124.51M
Long term debt 383.25M 381.31M 271.54M 269.60M 97.49M
Inventory -966.86300M 0.07M 280.09M 4.74M 2.94M
Accounts payable - 239.62M 35599.93M 319.68M 232.20M
Total permanent equity - - - - -
Noncontrolling interest in consolidated entity - - - - -
Temporary equity redeemable noncontrolling interests - - - - -
Accumulated other comprehensive income -556.93500M -702.73500M 126.31M 318.34M 83.18M
Additional paid in capital - - - - -
Common stock total equity - 55.06M 55.06M 55.06M 55.06M
Preferred stock total equity - - - - -
Retained earnings total equity - 2536.09M 2177.00M 1891.25M 1672.44M
Treasury stock - -347.26400M -323.46500M -338.14500M -277.99900M
Accumulated amortization - - - - -
Non currrent assets other 1413.81M -13233.27700M -14273.83000M -11137.78300M -9226.30000M
Deferred long term asset charges - - - - -
Non current assets total 37920.93M 549.76M 14273.83M 11137.78M 9226.30M
Capital lease obligations - - - - -
Long term debt total - 381.31M 271.54M 269.60M 97.49M
Breakdown 2023-12-31 2022-12-31 2021-12-31 2020-12-31 2019-12-31
Type yearly yearly yearly yearly yearly
Date 2023-12-31 2022-12-31 2021-12-31 2020-12-31 2019-12-31
Investments -1521.14100M -4329.17000M -4106.18000M -4280.41700M -2917.34100M
Change to liabilities - -10.99500M -51.74000M 91.69M 76.85M
Total cashflows from investing activities - -3845.38500M -4235.49000M -4491.08700M -3000.42900M
Net borrowings - -908.39700M 922.94M 616.74M 391.36M
Total cash from financing activities 4771.05M -4580.85900M 9418.41M 5945.89M 2654.05M
Change to operating activities - 290.22M 47.82M -36.39800M -35.46200M
Net income 350.02M 431.68M 353.02M 286.50M 243.60M
Change in cash 3970.38M -7656.69000M 5717.00M 1828.40M -4.95100M
Begin period cash flow 1557.87M 9214.56M 3497.57M 1669.17M 1674.12M
End period cash flow 5528.26M 1557.87M 9214.56M 3497.57M 1669.17M
Total cash from operating activities 472.60M 769.55M 534.08M 373.60M 341.43M
Issuance of capital stock - - - - -
Depreciation 8.59M 54.02M 55.75M 62.80M 56.26M
Other cashflows from investing activities - 535.50M -95.62300M -150.45400M -10.77500M
Dividends paid 74.25M 72.03M 66.75M 60.28M 59.44M
Change to inventory - - - - -
Change to account receivables -31.07500M -58.22200M 4.59M -15.38400M -14.34000M
Sale purchase of stock -8.36700M -31.99700M -5.50600M -63.76600M -4.49600M
Other cashflows from financing activities 16.72M -4476.83900M 9490.66M -2.25000M 2722.81M
Change to netincome - 49.32M 33.85M 141.43M 43.33M
Capital expenditures 26.91M 51.72M 33.69M 60.22M 72.31M
Change receivables - -58.22200M 4.59M -15.38400M -14.34000M
Cash flows other operating - 258.01M 84.71M -237.87600M -99.22700M
Exchange rate changes - - - - -
Cash and cash equivalents changes - -7656.69000M 5717.00M 1828.40M -4.95100M
Change in working capital -15.83900M 232.00M 52.41M -51.78200M -49.80200M
Stock based compensation 18.69M 21.49M 21.21M 15.12M 14.85M
Other non cash items 131.58M 36.67M 64.43M 65.79M 76.67M
Free cash flow 445.69M 717.84M 500.39M 313.38M 269.11M

Peer Comparison

Sector: Financial Services Industry: Banks - Regional

Company Change (USD) Price (USD) Trailing PE (x) Forward PE (x) Price Sales TTM (x) Price to Book Value (x)
UMBF
UMB Financial Corporation		 2.35 1.86% 128.70 10.99 11.38 2.75 1.26
HDB
HDFC Bank Limited ADR		 0.48 2.04% 24.03 20.81 20.96 0.11 4.77
CIHKY
China Merchants Bank Co Ltd		 0.04 0.15% 30.44 7.78 7.65 0.56 0.90 3.62
DBSDF
DBS Group Holdings Ltd		 1.22 2.50% 50.10 15.29 14.41 5.84 2.36 10.40
CIHHF
China Merchants Bank Co Ltd Class H		 - -% 5.92 6.10 5.67 0.44 0.77 3.43

Reports Covered

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Profile

UMB Financial Corporation operates as the bank holding company that provides banking services and asset servicing in the United States and internationally. The Commercial Banking segment provides commercial loans and credit card; commercial real estate financing; letters of credit; loan syndication, and consultative service; various business solutions including asset-based lending, mezzanine debt, and minority equity investment; and treasury management service, such as depository service, account reconciliation, cash management tool, accounts payable and receivable solution, electronic fund transfer and automated payment, controlled disbursement, lockbox service, and remote deposit capture service. The Institutional Banking segment offers fund, asset management, and healthcare service to institutional clients; and fund administration and accounting, investor service and transfer agency, mutual fund service, alternative investment service, fixed income sale, trading and underwriting, and corporate trust and escrow service, as well as institutional custody service. This segment also provides healthcare payment solution includes custodial service for health saving accounts and private label, multipurpose debit cards to insurance carriers, third-party administrator, software companies, employers, and financial institutions. The Personal Banking segment offers deposit account, retail credit card, private banking, installment loan, home equity line of credit, residential mortgage, as well as internet banking, ATM network, private banking, brokerage and insurance service, and investment advisory, custody, and trust services. It operates through a network of branches and offices. The company was founded in 1913 and is headquartered in Kansas City, Missouri.

UMB Financial Corporation

1010 Grand Boulevard, Kansas City, MO, United States, 64106

Key Executives

Name Title Year Born
Mr. J. Mariner Kemper Chairman, Pres & CEO 1973
Mr. Ram Shankar Exec. VP & CFO 1973
Ms. Shannon Andresen Johnson Exec. VP & Chief Admin. Officer 1980
Mr. James D. Rine Vice Chairman 1972
Mr. James H. Cornelius Pres of Institutional Banking of UMB Bank n.a. 1962
Mr. David Carl Odgers Sr. VP, Chief Accounting Officer & Controller 1970
Ms. Uma Wilson Exec. VP, Chief Information & Product Officer 1979
Ms. Kay Gregory Director of Investor Relations & Sr. VP NA
Ms. Amy Harris Exec. VP & Chief Legal Officer 1986
Ms. Heather Kemper Miller Exec. VP of Sales, Marketing & Communication NA

Disclaimer - This information, including any data, is sourced from Unicorn Data Services SAS, trading as EOD Historical Data (“EODHD”) on an ‘as is’ basis, using their API. We cannot guarantee the completeness or validity of the information and data provided on this page, as well as via the API. In some cases, the data may include analyst ratings or recommendations sourced through the EODHD API, which are intended solely for general information purposes.
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