UMB Financial Corp (UMBF) stock
UMBFNasdaqNational Commercial BanksFiscal year ends December 31Also trades as UMBFO
Financials through Q3 FY2026, quarter ended Sep 30, 2026Last filing: 10-Q on Oct 29, 2026Score 19/309% below fair value
$133.86+0.38 (+0.28%)
Close on Nov 13, 2026Market cap $10.17BP/E 10.1Yield 1.22%
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 10, 2026
- Fundamentals through
- Sep 30, 2026
- Share price as of
- Nov 13, 2026
Valuation ratiosIndustry
- P/TBV Ratio
- 1.82
- 1.52
- P/OCF Ratio
- 8.56
- 9.82
Enterprise valuationIndustry
- EV / Sales
- 1.40
- 2.95
- EV / FCF
- 3.68
- 8.49
Share statisticsIndustry
- Shares Change (YoY)
- 14.4%
- 0.33%
- Shares Change (QoQ)
- 0.01%
- 0.00%
- Float
- 71M
- 17M
- Shares Held by Insiders
- 7.05%
- 6.05%
- Shares Held by Institutions
- 96.0%
- 61.3%
Short sellingIndustry
- Short Interest
- 4M
- –
- Short Interest Change
- -3.18%
- -4.13%
- Days to Cover
- 5.79
- 4.85
Stock price statisticsIndustry
- 52-Week High
- $153.32
- –
- 52-Week Low
- $103.38
- –
- 20-Day Moving Average
- $134.67
- –
- 50-Day Moving Average
- $134.22
- –
- 200-Day Moving Average
- $131.88
- –
- Average True Range (14)
- $3.99
- –
- Price Change (1 Week)
- 0.07%
- 0.69%
- Price Change (1 Month)
- 1.60%
- 3.79%
- Price Change (3 Months)
- -11.9%
- -2.72%
- Price Change (6 Months)
- 7.39%
- 12.2%
- Price Change (YTD)
- 16.4%
- 19.9%
- Price Change (1 Year)
- 21.9%
- 25.7%
- Price Change (3 Years)
- 85.4%
- 65.1%
- Price Change (5 Years)
- 26.9%
- 26.9%
- Price Change (10 Years)
- 83.7%
- 66.8%
- Average Volume (10 Days)
- 532,473
- –
- Average Volume (20 Days)
- 611,287
- –
- Average Volume (90 Days)
- 606,846
- –
- Relative Volume
- 0.82
- 0.68
- Relative Strength Index (14)
- 48.4
- 53.1
- Volatility (1 Year)
- 24.6%
- 24.4%
- Beta (5 Years)
- 0.85
- 0.63
MarginsIndustry
- Pretax Margin
- 43.0%
- 37.0%
- FCF Margin
- 37.9%
- 33.9%
Returns on capitalIndustry
- Return on Equity (ROE)
- 13.5%
- 10.7%
- Return on Assets (ROA)
- 1.43%
- 1.16%
GrowthIndustry
- Revenue Growth (YoY)
- 27.3%
- 11.7%
- Net Income Growth (YoY)
- 70.1%
- 22.6%
- EPS Growth (YoY)
- 49.6%
- 21.6%
- FCF Growth (YoY)
- 41.7%
- 27.2%
- 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
- $358.92K
- Profits Per Employee
- $197.71K
- $110.51K
- Employee Count
- 5,222
- 492
- WACC
- 9.35%
- 8.13%
Income statement (TTM)Industry
- Pretax Income
- $1.29B
- $74.07M
Balance sheetIndustry
- Net Cash (Debt)
- $5.96B
- $165.09M
- Net Cash Per Share
- $78.51
- $8.07
- Equity (Book Value)
- $7.85B
- $570.13M
- Book Value Per Share
- $103.39
- $28.12
- Tangible Book Value
- $5.60B
- $478.27M
Cash flow (TTM)Industry
- Capital Expenditures
- -$45.29M
- -$4.24M
- FCF Per Share
- $15.03
- $3.37
Dividends and yieldsIndustry
- Earnings Yield
- 10.2%
- 8.29%
- FCF Yield
- 11.2%
- 9.18%
- Dividend Yield
- 1.22%
- 2.44%
- Buyback Yield
- 0.37%
- 1.82%
- Shareholder Yield
- 1.59%
- 3.26%
- Dividend Per Share
- $1.63
- $0.92
- Dividend Growth (YoY)
- 3.82%
- 4.26%
- Years of Dividend Growth
- 17
- 2
- Payout Ratio
- 15.7%
- 28.5%
- FCF Payout Ratio
- 14.2%
- 24.8%
Taxes and interestIndustry
- Income Tax
- $261.47M
- $16.14M
- Effective Tax Rate
- 20.2%
- 21.1%
Scores and fair valueIndustry
- Graham Number
- $175.30
- $45.07
- Graham Upside
- 31.0%
- 18.8%
- Altman Z-Score
- 0.22
- 0.22
- Piotroski F-Score
- 6
- 6
- Lynch Fair Value
- $124.09
- –
- Lynch Upside
- -7.30%
- -0.43%
Total return vs. the S&P 500
Price change plus reinvested dividends, to the close on Nov 13, 2026. The S&P 500 is measured by the SPY fund.
| Period | UMBF | S&P 500 | Difference | UMBF per year | S&P 500 per year |
|---|---|---|---|---|---|
| 1 month | +2.9% | -3.0% | +5.9 pts | ||
| 3 months | -11.0% | -2.8% | −8.2 pts | ||
| Year to date | +17.6% | +11.5% | +6.1 pts | ||
| 1 year | +24.6% | +13.5% | +11.1 pts | ||
| 3 years | +110.1% | +77.7% | +32.4 pts | +28.1% | +21.1% |
| 5 years | +37.9% | +72.6% | −34.7 pts | +6.6% | +11.5% |
| 10 years | +119.4% | +308.2% | −188.8 pts | +8.2% | +15.1% |
Short interest
Shares sold short and not yet covered, reported by brokers to FINRA twice a month. Latest settlement date Oct 30, 2026.
4M UMBF shares were sold short on Oct 30, 2026, down 3.2% from the previous report. At recent volumes it would take 5.8 days to buy them back. Over the last 20 sessions, 70.9% of the volume reported to FINRA was short selling.
| Settlement date | Shares short | Change | Avg. daily volume | Days to cover |
|---|---|---|---|---|
| Oct 30, 2026 | 3,917,022 | -3.2% | 675,962 | 5.8 |
| Oct 15, 2026 | 4,045,623 | +4.0% | 647,355 | 6.3 |
| Sep 30, 2026 | 3,889,000 | +7.0% | 788,882 | 4.9 |
| Sep 15, 2026 | 3,634,556 | +6.1% | 540,486 | 6.7 |
| Aug 31, 2026 | 3,425,160 | +0.9% | 418,366 | 8.2 |
| Aug 14, 2026 | 3,395,125 | -0.9% | 507,645 | 6.7 |
| Jul 31, 2026 | 3,424,247 | -16.3% | 683,557 | 5.0 |
| Jul 15, 2026 | 4,092,660 | -1.5% | 623,585 | 6.6 |
| Jun 30, 2026 | 4,155,466 | +15.0% | 947,641 | 4.4 |
| Jun 15, 2026 | 3,613,585 | +3.7% | 589,008 | 6.1 |
| May 29, 2026 | 3,485,948 | -2.6% | 617,727 | 5.6 |
| May 15, 2026 | 3,580,024 | -1.8% | 660,777 | 5.4 |
Ratios use trailing-twelve-month results and the latest balance sheet. How we calculate.
See a number that looks wrong?