Stock Scorecard
Stock Summary for UMB Financial Corp (UMBF) - $121.59 as of 8/22/2025 8:49:40 PM EST
Total Score
17 out of 30
Safety Score
70 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 (70 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) | 4 |
| Analyst Strong Buy Ratings (Max of 5) | 4 |
| Dividend Yield Percentage (Max of 10) | 1 |
| Operating Margin (Max of 10) | 6 |
| Trading Volume (Max of 10) | 8 |
| 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 | FINANCE |
| Industry Name | NATIONAL COMMERCIAL BANKS |
| Most Recent Quarter | 6/30/2025 |
| Next Earnings Date | 10/27/2025 |
Stock Price History |
|
| Last Day Price | 121.59 |
| Price 4 Years Ago | 99.64 |
| Last Day Price Updated | 8/22/2025 8:49:40 PM EST |
| Last Day Volume | 836,030 |
| Average Daily Volume | 579,625 |
| 52-Week High | 128.53 |
| 52-Week Low | 81.69 |
| Last Price to 52 Week Low | 48.84% |
Valuation Measures |
|
| Trailing PE | 13.11 |
| Industry PE | 20.06 |
| Sector PE | 21.25 |
| 5-Year Average PE | 13.10 |
| Free Cash Flow Ratio | 0.83 |
| Industry Free Cash Flow Ratio | 8.75 |
| Sector Free Cash Flow Ratio | 14.57 |
| Current Ratio Most Recent Quarter | 0.19 |
| Total Cash Per Share | 146.37 |
| Book Value Per Share Most Recent Quarter | 90.63 |
| Price to Book Ratio | 1.28 |
| Industry Price to Book Ratio | 1.04 |
| Sector Price to Book Ratio | 2.18 |
| Price to Sales Ratio Twelve Trailing Months | 4.51 |
| Industry Price to Sales Ratio Twelve Trailing Months | 2.96 |
| Sector Price to Sales Ratio Twelve Trailing Months | 3.31 |
| Analyst Buy Ratings | 4 |
| Analyst Strong Buy Ratings | 4 |
Share Statistics |
|
| Total Shares Outstanding | 75,928,000 |
| Market Capitalization | 9,232,085,520 |
| Institutional Ownership | 92.48% |
Dividends |
|
| Ex-Dividend Date | 9/10/2025 |
| Previous Dividend Amount | 0.4000 |
| Current Dividend Amount | 0.4000 |
| Total Years Dividend Increasing |
|
| Trailing Annual Dividend Rate | 1.59 |
| Trailing Annual Dividend Yield | 1.37% |
| Forward Annual Dividend Rate | 1.60 |
| Forward Annual Dividend Yield | 1.38% |
| 5-Year Dividend Payments Count | 21 |
| 3-Year Average Dividend Yield | 1.40% |
| 5-Year Average Dividend Yield | 1.63% |
| 1-Year Dividend Growth Rate Percentage | 1.91% |
| 3-Year Dividend Growth Rate Percentage | 0.95% |
| 5-Year Dividend Growth Rate Percentage | 3.77% |
| All-Time Dividend Growth Rate Percentage | 6.06% |
| Dividend Payout Ratio | 18.01% |
Income Statement |
|
| Quarterly Earnings Growth YOY | 36.20% |
| Annual Earnings Growth | 26.06% |
| Reported EPS 12 Trailing Months | 8.83 |
| Reported EPS Past Year | 5.54 |
| Reported EPS Prior Year | 9.01 |
| Net Income Twelve Trailing Months | 528,367,000 |
| Net Income Past Year | 441,243,000 |
| Net Income Prior Year | 350,024,000 |
| Quarterly Revenue Growth YOY | 77.70% |
| 5-Year Revenue Growth | 16.67% |
| Operating Margin Twelve Trailing Months | 46.30% |
Balance Sheet |
|
| Total Cash Most Recent Quarter | 11,113,882,000 |
| Total Cash Past Year | 8,559,445,000 |
| Total Cash Prior Year | 5,607,003,000 |
| Net Cash Position Most Recent Quarter | 10,674,422,000 |
| Net Cash Position Past Year | 8,174,153,000 |
| Long Term Debt Past Year | 385,292,000 |
| Long Term Debt Prior Year | 383,247,000 |
| Total Debt Most Recent Quarter | 439,460,000 |
| Equity to Debt Ratio Past Year | 0.90 |
| Equity to Debt Ratio Most Recent Quarter | 0.94 |
| Total Stockholder Equity Past Year | 3,466,541,000 |
| Total Stockholder Equity Prior Year | 3,100,419,000 |
| Total Stockholder Equity Most Recent Quarter | 7,285,765,000 |
Free Cash Flow |
|
| Free Cash Flow Twelve Trailing Months | 665,617,000 |
| Free Cash Flow Per Share Twelve Trailing Months | 8.77 |
| Free Cash Flow Past Year | 201,080,000 |
| Free Cash Flow Prior Year | 445,694,000 |
Options |
|
| Put/Call Ratio | 0.00 |
| Has Options | Options Chain |
| Liquidity Rating | |
Technical Analysis |
|
| Yahoo Finance Chart | Yahoo Finance Chart |
| MACD | 2.04 |
| MACD Signal | 1.74 |
| 20-Day Bollinger Lower Band | 89.70 |
| 20-Day Bollinger Middle Band | 104.23 |
| 20-Day Bollinger Upper Band | 118.77 |
| Beta | 0.78 |
| RSI | 60.14 |
| 50-Day SMA | 107.55 |
| 150-Day SMA | 85.38 |
| 200-Day SMA | 86.67 |
System |
|
| Modified | 8/21/2025 1:27:16 PM EST |