UMB Financial Corp, or UMBF, is a financial services holding company offering a suite of banking services and asset servicing to its customers in the United States and around the world. Its client base includes commercial, institutional, and personal customers.
It is a $9.90B financial services company. Revenue grew 27.6% over the last year, and it keeps 22¢ of every dollar of sales as profit. It trades at 10.5× earnings — around the middle of its own history.
- Website
- umb.com
- Location
- Kansas City, MO
- Employees
- 5 222
- Sector
- Financial Services
Skills
Six independent scores, 0–100, built from reported numbers and valuation history. Click a row to see how it was scored.
Strong valuation.
Valuation75
- P/E vs own history35th pct · 20/25
- FCF yield10.5% · 25/25
- P/S2.4x · 20/25
- EV/EBITDAn/a · 10/25
Growth69
- Revenue CAGR32.9% · 25/25
- Net income CAGR18.8% · 20/25
- EPS CAGR ~5Y10.0% · 12/25
- Fwd implied growth8.9% · 12/25
Profitability74
- ROIC9.8% · 12/25
- ROE12.2% · 12/25
- Net margin21.6% · 25/25
- Operating margin31.8% · 25/25
Health50
- Altman Zn/a · 0/25
- Current ration/a · 0/25
- Interest coverageno interest expense · 25/25
- Net cash / debtNet cash · 25/25
Quality52
- Piotroski F5/9 · 15/25
- Beneish M-2.04 · 12/25
- FCF conversion110% · 25/25
- Margin stabilityσ 28.9% · 0/25
Moat50
- ROIC >12% years2/9 yrs · 0/25
- Median gross marginn/a · 0/25
- FCF-positive years10/10 yrs · 25/25
- Worst-year net marginworst 15.8% · 25/25
Experience
The company's career so far — founding, the IPO, landmark products and acquisitions, plus revenue milestones and insider buying.
- Q3 2026Insiders2 open-market insider purchases~967 shares bought by insiders
- FY2025FinancialBest year on record$702M net income
- FY2024FinancialBecame debt-freecash now exceeds total debt
- FY2017FinancialRevenue crossed $1B$1.04B for the year
- FY2016FinancialProfitable every year on record10 consecutive profitable years in our data
- FY2016FinancialPositive free cash flow every year since10-year streak
- 2015AcquisitionUMB acquired Marquette Financial Companies, which expanded its operations into the U.S states of…
- 2006AcquisitionThis agreement expired in 2006, after which Verizon Wireless purchased naming rights
- 2002AcquisitionThe UMB acquired naming rights to St
- 2001AcquisitionUMB purchased Sunstone Financial Group Inc. and rebranded it to UMB Fund Services, Inc
- 1995AcquisitionUMB acquired Oklahoma Bank and its holding company, First Sooner Bancshares
- 1994MilestoneTo reflect its expansion outside of Missouri, UMB changed its name to the current UMB Financial Corporation in 1994
- 1992AcquisitionUMB acquired Denver's Columbine National Bank in 1992, and in 1994, all of UMB's Colorado banks were merged into one…
- 1987AcquisitionUMB acquired FCB Corp. and its three banks in Southern Illinois
- 1969MilestoneIt reorganized as a holding company, Missouri Bancshares
- 1934MilestoneThe bank was renamed City National Bank and Trust Company and moved to Kansas City's financial center
Achievements
Verifiable track record, straight from the reported numbers.
Strengths & watch-outs
What a bull and a bear would each point to. Both lists come from the reported numbers, not opinions.
Strengths
- Strongly profitable — 21.6% net margin
- Revenue growing 27.6% year over year
- Strong cash conversion — FCF is 23.9% of revenue
- Net cash position after subtracting debt from cash
Watch-outs
Nothing stands out as a concern in the available data.
Qualifications
The basics a company should meet before you research it further. Each check uses the reported numbers.
- Revenue growing — the company sells more than a year ago+27.6% YoY
- Profitable — makes more than it spends$943M TTM
- Profit growing — earnings are higher than last year+2.5% YoY
- Generates cash — cash left after running and investing$1.04B TTM
- Debt under control — could handle its obligationsmore cash than debt
- Established company — not a micro-cap — lower blow-up risk$9.90B market cap
- Not printing shares — share count not ballooning — you keep your slice+52.4% shares over ~5y
- Proven track record — years of profitability behind it10/10 profitable years
- Financially stable — balance sheet not near distresshealth score 25/100
- Pays a dividend — returns cash to shareholdersyield 1.53%
- Valuation not extreme — price not wildly above earningsP/E 10.5
Peer comparisonUMB Financial Corp vs 6 largest financial services peers — cap, P/E, growth and margin side by sideOpen ▾Close ▴
| Company | Market cap | P/E | Revenue growth | Net margin | Profile |
|---|---|---|---|---|---|
| UMBF this company | $9.9B | 10.5 | +27.6% | 21.6% | Strained |
| BRK.A Berkshire Hathaway Inc. | $1.1T | 11.6 | +3.9% | 22.3% | Mixed |
| BRK.B Berkshire Hathaway | $1.1T | 11.6 | +0.0% | 18.0% | Strong |
| JPM JPMorgan Chase & Co. | $886.2B | 13.6 | +13.5% | 32.6% | Strained |
| V VISA Inc. | $723.9B | 31.9 | +14.4% | 50.8% | Solid |
| MA Mastercard Incorporated | $516.4B | 31.7 | +16.0% | 46.3% | Mixed |
| BAC Bank of America Corporation | $380.4B | 11.3 | +15.9% | 27.8% | Mixed |
Head-to-head: UMBF vs BRK.A · UMBF vs BRK.B · UMBF vs JPM
References
What covering analysts publish about the company — information only, not a recommendation.
Appendix · Financial records
The full statements behind this CV, FY2016–FY2025. For readers who want to check the numbers.
Live data and quarterly detail: stockcv.com/UMBF
Want the live picture — intraday moves, valuation history and full analysis?
Deeper analysis of UMBF on PreMarketPriceFigures are derived from company filings (quarterly values normalised from as-filed year-to-date data where applicable) and may be delayed, restated or incomplete. This page is information, not investment advice. Latest price $130.30 · market cap $9.90B.