UMBFNasdaqNational Commercial BanksFiscal year ends December 31Also trades as UMBFO
UMB FINANCIAL CORP
Financials through Q2 FY2026, quarter ended Jun 30, 2026Last filing: 10-Q on Jul 30, 2026
$129.65−1.45 (-1.11%)
Close on Oct 19, 2026
- Market cap
- $9.90B
- P/E (TTM)
- 10.8
- Dividend yield
- 1.26%
Margins
Share of revenue, fiscal years 2011 to 2025
Net margin
26.5%+4.3 pts over 5 years
Growth rates
Compound annual growth to fiscal 2025
| Per year | 1 year | 3 years | 5 years | 10 years | Five-year pace |
|---|---|---|---|---|---|
| Revenue | +62.8% | +21.8% | +15.5% | +13.0% | |
| Net income | +59.2% | +17.6% | +19.6% | +19.7% | |
| EPS, diluted | +3.3% | +1.6% | +9.4% | +14.3% | |
| Free cash flow | +376.5% | +10.9% | +25.6% | +20.0% | |
| Dividend per share | +3.8% | +3.0% | +5.5% | +5.5% |
Returns and balance sheet
10 fiscal years. Hover a measure to see how it is calculated.
| Measure | FY2016 | FY2020 | FY2025 | Trend |
|---|---|---|---|---|
| Return on equity | 8.2% | 10.2% | 12.6% | |
| Return on assets | 0.8% | 1.0% | 1.1% | |
| Capex to revenue | 5.7% | 4.7% | 1.8% | |
| Diluted shares | 49M | 48M | 74M |
Where the cash went
Fiscal 2021 to 2025, five years combined
Umb Financial generated $3.03B from operations and spent $674.11M on capital expenditure, dividends and share buybacks. 26% of that went back into the business.
Generated
$3.03B
Used
$674.11M
Capital expenditure$177.10M26%Dividends$425.77M63%Share buybacks$71.24M11%
DuPont analysis
Return on equity split into margin, efficiency and leverage
Net margin26.5%
×Asset turnover0.04×
×Equity multiplier11.07×
=Return on equity, FY202512.6%
| Fiscal year | Net margin | Asset turnover | Equity multiplier | Return on equity |
|---|---|---|---|---|
| FY2025 | 26.5% | 0.04× | 11.07× | 12.6% |
| FY2024 | 27.1% | 0.03× | 14.38× | 13.4% |
| FY2023 | 23.9% | 0.04× | 14.31× | 12.1% |
| FY2022 | 29.4% | 0.04× | 13.97× | 14.9% |
| FY2021 | 27.5% | 0.03× | 12.30× | 11.5% |
| FY2020 | 22.2% | 0.04× | 10.61× | 10.2% |
| FY2019 | 22.2% | 0.04× | 10.32× | 10.1% |
| FY2018 | 19.3% | 0.04× | 10.23× | 8.9% |
| FY2017 | 25.2% | 0.05× | 10.24× | 11.9% |
| FY2016 | 17.7% | 0.05× | 10.32× | 8.2% |
Piotroski F-Score
Nine tests of profitability, balance sheet and efficiency, fiscal 2025 against fiscal 2024
5of 6 tests passed in fiscal 2025. Some tests lack the figures they need.
- ProfitableNet income above zero$702.40M
- Cash generatingOperating cash flow above zero$1.03B
- Return on assets improvedROA up on the prior year1.0% → 1.4%
- Earnings backed by cashOperating cash flow above net income$1.03B vs $702.40M
- Less leverageLong-term debt to assets fell– → –
- Better liquidityCurrent ratio rose– → –
- No dilutionShare count did not rise49M → 74M
- Gross margin improvedGross margin up on the prior year– → –
- More efficientAsset turnover rose0.04 → 0.05