Stock Scorecard
Stock Summary for UMB Financial Corp (UMBF) - $139.37 as of 9/10/2026 9:26:03 PM EST
Total Score
18 out of 30
Safety Score
71 out of 100
Currently on the following lists
None
Tim's Recommendation
Possible Buy
Growth List Algorithm Criteria for UMBF
| Positive Quarterly and Annual earnings growth | |
| P/E ratio less than Industry P/E Ratio | |
| P/E ratio less than Sector P/E Ratio | |
| P/E ratio that is half the Annual earnings growth rate (or less) | |
| Positive net cash position the past year and most recent quarter | |
| Equity to debt ratio greater than 0.75 for past year and most recent quarter | |
| Positive net income past year and 12 trailing months | |
| Free cash flow ratio greater than 0 and less than 10 |
Small Cap List Algorithm Criteria for UMBF
| Revenue growing by at least 20% average per year over the last 5 years | |
| Market Capitalization under 2 billion | |
| Price to Sales (P/S) ratio 12 trailing months less than Industry P/S ratio twelve trailing months | |
| Price to Sales (P/S) ratio 12 trailing months less than Sector P/S ratio twelve trailing months | |
| Net Income past year > Net Income prior year OR Net Income 12 trailing months > Net Income prior year OR Net Income 12 trailing months > Net Income past year |
Dividend List Algorithm Criteria for UMBF
| Declared an ex-dividend date | |
| Forward annual dividend rate greater than 2 | |
| Positive net cash position the past year and most recent quarter | |
| Equity to debt ratio greater than 0.75 for past year and most recent quarter | |
| Current ratio most recent quarter greater than 2 | |
| Cash Flow per Share greater than Trailing Dividend Rate |
Bonus Criteria for UMBF
| P/E ratio less than five-year Average P/E ratio | |
| Last Price to 52 Week Low Ratio Less Than 1 | |
| Total Cash Per Share > Last Day Price | |
| P/S Ratio < 1 | |
| P/B Ratio < 1 |
Safety Rating Criteria for UMBF (71 out of 100)
| Stock Price Rating (Max of 10) | 10 |
| Historical Stock Price Rating (Max of 10) | 9 |
| Stock Price Trend (Max of 10) | 9 |
| Book Value (Max of 10) | 9 |
| Book Value to Price (Max of 10) | 1 |
| Analyst Buy Ratings (Max of 5) | 5 |
| Analyst Strong Buy Ratings (Max of 5) | 5 |
| Dividend Yield Percentage (Max of 10) | 1 |
| Operating Margin (Max of 10) | 8 |
| Trading Volume (Max of 10) | 5 |
| Price to Earnings (Max of 10) | 9 |
| Geopolitical Risk Adjustment (Always 0 for USA or a Negative Number for Non-USA) | 0 |
Latest News for for UMBF
Financial Details for UMBF
Company Overview |
|
|---|---|
| Ticker | UMBF |
| Company Name | UMB Financial Corp |
| Country | USA |
| Description | UMB Financial Corporation is the holding company of UMB Bank providing various banking and other financial services. The company is headquartered in Kansas City, Missouri. |
| Sector Name | FINANCIAL SERVICES |
| Industry Name | BANKS - REGIONAL |
| Most Recent Quarter | 6/30/2026 |
| Next Earnings Date | 10/27/2026 |
Stock Price History |
|
| Last Day Price | 139.37 |
| Price 4 Years Ago | 78.65 |
| Last Day Price Updated | 9/10/2026 9:26:03 PM EST |
| Last Day Volume | 425,051 |
| Average Daily Volume | 504,491 |
| 52-Week High | 153.32 |
| 52-Week Low | 102.27 |
| Last Price to 52 Week Low | 36.28% |
Valuation Measures |
|
| Trailing PE | 11.95 |
| Industry PE | 13.42 |
| Sector PE | 17.48 |
| 5-Year Average PE | 12.57 |
| Free Cash Flow Ratio | 13.57 |
| Industry Free Cash Flow Ratio | 14.43 |
| Sector Free Cash Flow Ratio | 70.23 |
| Current Ratio Most Recent Quarter | 0.25 |
| Total Cash Per Share | 10.27 |
| Book Value Per Share Most Recent Quarter | 97.41 |
| Price to Book Ratio | 1.41 |
| Industry Price to Book Ratio | 1.30 |
| Sector Price to Book Ratio | 1.97 |
| Price to Sales Ratio Twelve Trailing Months | 3.88 |
| Industry Price to Sales Ratio Twelve Trailing Months | 3.58 |
| Sector Price to Sales Ratio Twelve Trailing Months | 5.83 |
| Analyst Buy Ratings | 6 |
| Analyst Strong Buy Ratings | 5 |
Share Statistics |
|
| Total Shares Outstanding | 75,950,000 |
| Market Capitalization | 10,585,151,500 |
| Institutional Ownership | 97.74% |
Dividends |
|
| Ex-Dividend Date | 9/10/2026 |
| Previous Dividend Amount | 0.4300 |
| Current Dividend Amount | 0.5000 |
| Total Years Dividend Increasing |
|
| Trailing Annual Dividend Rate | 1.69 |
| Trailing Annual Dividend Yield | 1.18% |
| Forward Annual Dividend Rate | 2.00 |
| Forward Annual Dividend Yield | 1.39% |
| 5-Year Dividend Payments Count | 21 |
| 3-Year Average Dividend Yield | 0.00% |
| 5-Year Average Dividend Yield | 0.00% |
| 1-Year Dividend Growth Rate Percentage | 22.70% |
| 3-Year Dividend Growth Rate Percentage | 10.77% |
| 5-Year Dividend Growth Rate Percentage | 7.64% |
| All-Time Dividend Growth Rate Percentage | 6.00% |
| Dividend Payout Ratio | 13.91% |
Income Statement |
|
| Quarterly Earnings Growth YOY | 26.20% |
| Annual Earnings Growth | 59.19% |
| Reported EPS 12 Trailing Months | 12.03 |
| Reported EPS Past Year | 6.98 |
| Reported EPS Prior Year | 9.61 |
| Net Income Twelve Trailing Months | 942,679,000 |
| Net Income Past Year | 702,398,000 |
| Net Income Prior Year | 441,243,000 |
| Quarterly Revenue Growth YOY | 12.20% |
| 5-Year Revenue Growth | 27.96% |
| Operating Margin Twelve Trailing Months | 51.10% |
Balance Sheet |
|
| Total Cash Most Recent Quarter | 779,876,000 |
| Total Cash Past Year | 952,547,000 |
| Total Cash Prior Year | 8,559,445,000 |
| Net Cash Position Most Recent Quarter | 522,095,000 |
| Net Cash Position Past Year | 698,352,000 |
| Long Term Debt Past Year | 254,195,000 |
| Long Term Debt Prior Year | 385,292,000 |
| Total Debt Most Recent Quarter | 257,781,000 |
| Equity to Debt Ratio Past Year | 0.97 |
| Equity to Debt Ratio Most Recent Quarter | 0.97 |
| Total Stockholder Equity Past Year | 7,693,568,000 |
| Total Stockholder Equity Prior Year | 3,466,541,000 |
| Total Stockholder Equity Most Recent Quarter | 8,030,793,000 |
Free Cash Flow |
|
| Free Cash Flow Twelve Trailing Months | 1,054,625,000 |
| Free Cash Flow Per Share Twelve Trailing Months | 13.89 |
| Free Cash Flow Past Year | 978,109,000 |
| Free Cash Flow Prior Year | 201,080,000 |
Options |
|
| Put/Call Ratio | 0.00 |
| Has Options | Options Chain |
| Liquidity Rating | |
Technical Analysis |
|
| Yahoo Finance Chart | Yahoo Finance Chart |
| MACD | 0.00 |
| MACD Signal | 0.00 |
| 20-Day Bollinger Lower Band | 119.20 |
| 20-Day Bollinger Middle Band | 137.11 |
| 20-Day Bollinger Upper Band | 155.01 |
| Beta | 0.78 |
| RSI | 41.46 |
| 50-Day SMA | 0.00 |
| 150-Day SMA | 0.00 |
| 200-Day SMA | 0.00 |
System |
|
| Modified | 9/8/2026 10:08:07 AM EST |