UMB Financial Corp (UMBFO) stock
UMBFONasdaqNational Commercial BanksFiscal year ends December 31Also trades as UMBF
Financials through Q3 FY2026, quarter ended Sep 30, 2026Last filing: 10-Q on Oct 29, 2026Score 19/309% below fair value
$25.62−0.02 (-0.08%)
Close on Oct 30, 2026Market cap $10.21BP/E 10.2Yield 1.21%
UMB Financial statistics
91 measures from SEC filings and the closing price. Hover a name for the formula; the last column is the median of companies in the same industry group.
Important dates
- Next earnings
- Jan 26, 2027 (estimated, during market hours)
- Last ex-dividend date
- Dec 31, 2026
- Fundamentals through
- Sep 30, 2026
- Share price as of
- Oct 30, 2026
Valuation ratiosIndustry
- P/TBV Ratio
- 1.82
- 1.48
- P/OCF Ratio
- 8.60
- 10.39
Enterprise valuationIndustry
- EV / Sales
- 1.41
- 2.94
- EV / FCF
- 3.72
- 8.39
Share statisticsIndustry
- Shares Change (YoY)
- 14.4%
- 0.42%
- Shares Change (QoQ)
- 0.01%
- 0.00%
- Float
- 71M
- 17M
- Shares Held by Insiders
- 7.04%
- 5.92%
- Shares Held by Institutions
- 96.0%
- 61.3%
Short sellingIndustry
- Short Interest
- 4M
- –
- Short Interest Change
- 7.00%
- 2.35%
- Days to Cover
- 4.93
- 4.88
Stock price statisticsIndustry
- 52-Week High
- $153.32
- –
- 52-Week Low
- $103.38
- –
- 20-Day Moving Average
- $132.01
- –
- 50-Day Moving Average
- $135.72
- –
- 200-Day Moving Average
- $131.30
- –
- Average True Range (14)
- $3.24
- –
- Price Change (1 Week)
- -0.77%
- -0.25%
- Price Change (1 Month)
- 3.61%
- 2.48%
- Price Change (3 Months)
- -8.55%
- -3.51%
- Price Change (6 Months)
- 4.05%
- 8.56%
- Price Change (YTD)
- 16.9%
- 19.7%
- Price Change (1 Year)
- 23.7%
- 28.3%
- Price Change (3 Years)
- 114.4%
- 81.0%
- Price Change (5 Years)
- 36.1%
- 30.4%
- Price Change (10 Years)
- 116.7%
- 81.4%
- Average Volume (10 Days)
- 690,100
- –
- Average Volume (20 Days)
- 669,442
- –
- Average Volume (90 Days)
- 650,328
- –
- Relative Volume
- 0.94
- 0.87
- Relative Strength Index (14)
- 52.0
- 53.3
- Volatility (1 Year)
- 24.3%
- 24.3%
- Beta (5 Years)
- 0.86
- 0.63
MarginsIndustry
- Pretax Margin
- 43.0%
- 36.7%
- FCF Margin
- 37.9%
- 33.0%
Returns on capitalIndustry
- Return on Equity (ROE)
- 13.5%
- 10.6%
- Return on Assets (ROA)
- 1.43%
- 1.12%
GrowthIndustry
- Revenue Growth (YoY)
- 27.3%
- 11.8%
- Net Income Growth (YoY)
- 70.1%
- 23.3%
- EPS Growth (YoY)
- 49.6%
- 22.9%
- FCF Growth (YoY)
- 41.7%
- 29.2%
- Revenue Growth (3Y CAGR)
- 21.8%
- 5.82%
- Revenue Growth (5Y CAGR)
- 15.5%
- 6.17%
- EPS Growth (3Y CAGR)
- 1.59%
- 1.31%
- EPS Growth (5Y CAGR)
- 9.39%
- 8.24%
EfficiencyIndustry
- Asset Turnover
- 0.04
- 0.04
- Revenue Per Employee
- $576.49K
- $356.83K
- Profits Per Employee
- $197.71K
- $107.97K
- Employee Count
- 5,222
- 492
- WACC
- 9.28%
- 8.05%
Income statement (TTM)Industry
- Pretax Income
- $1.29B
- $70.72M
Balance sheetIndustry
- Net Cash (Debt)
- $5.96B
- $162.18M
- Net Cash Per Share
- $78.52
- $8.22
- Equity (Book Value)
- $7.85B
- $560.97M
- Book Value Per Share
- $103.39
- $28.41
- Tangible Book Value
- $5.60B
- $476.95M
Cash flow (TTM)Industry
- Capital Expenditures
- -$45.29M
- -$4.13M
- FCF Per Share
- $15.03
- $3.24
Dividends and yieldsIndustry
- Earnings Yield
- 10.1%
- 7.92%
- FCF Yield
- 11.2%
- 8.68%
- Dividend Yield
- 1.21%
- 2.48%
- Buyback Yield
- 0.37%
- 1.54%
- Shareholder Yield
- 1.58%
- 3.25%
- Dividend Per Share
- $1.63
- $0.93
- Dividend Growth (YoY)
- 3.82%
- 4.26%
- Years of Dividend Growth
- 17
- 2
- Payout Ratio
- 15.7%
- 29.2%
- FCF Payout Ratio
- 14.2%
- 25.8%
Taxes and interestIndustry
- Income Tax
- $261.47M
- $14.60M
- Effective Tax Rate
- 20.2%
- 21.1%
Scores and fair valueIndustry
- Graham Number
- $175.30
- $45.40
- Graham Upside
- 30.4%
- 17.8%
- Altman Z-Score
- 0.22
- 0.22
- Piotroski F-Score
- 6
- 6
- Lynch Fair Value
- $124.09
- –
- Lynch Upside
- -7.72%
- -1.46%
Total return vs. the S&P 500
Price change plus reinvested dividends, to the close on Oct 30, 2026. The S&P 500 is measured by the SPY fund.
| Period | UMBFO | S&P 500 | Difference | UMBFO per year | S&P 500 per year |
|---|---|---|---|---|---|
| 1 month | +1.6% | -0.9% | +2.5 pts | ||
| 3 months | -0.9% | +2.1% | −3.0 pts | ||
| Year to date | +0.3% | +11.7% | −11.4 pts | ||
| 1 year | +2.2% | +12.4% | −10.2 pts |
Short interest
Shares sold short and not yet covered, reported by brokers to FINRA twice a month. Latest settlement date Oct 15, 2026.
0M UMBFO shares were sold short on Oct 15, 2026, down 84.4% from the previous report. At recent volumes it would take 1.0 days to buy them back. Over the last 20 sessions, 47.2% of the volume reported to FINRA was short selling.
| Settlement date | Shares short | Change | Avg. daily volume | Days to cover |
|---|---|---|---|---|
| Oct 15, 2026 | 12,257 | -84.4% | 16,411 | 1.0 |
| Sep 30, 2026 | 78,766 | +267.5% | 61,741 | 1.3 |
| Sep 15, 2026 | 21,432 | +82.0% | 11,827 | 1.8 |
| Aug 31, 2026 | 11,773 | -1.0% | 10,731 | 1.1 |
| Aug 14, 2026 | 11,892 | -13.2% | 5,344 | 2.2 |
| Jul 31, 2026 | 13,694 | -28.9% | 10,816 | 1.3 |
| Jul 15, 2026 | 19,257 | -82.6% | 10,878 | 1.8 |
| Jun 30, 2026 | 110,460 | +294.2% | 29,046 | 3.8 |
| Jun 15, 2026 | 28,019 | +29.7% | 13,724 | 2.0 |
| May 29, 2026 | 21,603 | -2.4% | 7,352 | 2.9 |
| May 15, 2026 | 22,140 | +264.0% | 7,190 | 3.1 |
| Apr 30, 2026 | 6,083 | -41.7% | 26,958 | 1.0 |
Ratios use trailing-twelve-month results and the latest balance sheet. How we calculate.