# UMB Financial Corp (UMBF) — Stock CV

UMB Financial Corp 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.

> 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.

## Identity

- **Ticker**: UMBF
- **Sector**: Financial Services
- **Industry**: National Commercial Banks
- **Headquarters**: KANSAS CITY, MO
- **Employees**: 5 222
- **Website**: https://www.umb.com
- **Market cap**: $9.90B
- **Last price**: $130.30
- **Financial profile**: Strained

## Vitals (TTM)

- **Revenue**: $4.36B
- **Net income**: $943M
- **Free cash flow**: $1.04B
- **Net cash**: $526M
- **P/E**: 10.5
- **Revenue growth (YoY)**: 27.6%

## Skills (profile scores, 0–100)

| Pillar | Score |
|---|---|
| Valuation | 75 |
| Growth | 69 |
| Profitability | 74 |
| Health | 50 |
| Quality | 52 |
| Moat | 50 |

## Qualifications (beginner checklist) — 9 of 11 passed

- [x] Revenue growing — +27.6% YoY
- [x] Profitable — $943M TTM
- [x] Profit growing — +2.5% YoY
- [x] Generates cash — $1.04B TTM
- [x] Debt under control — more cash than debt
- [x] Established company — $9.90B market cap
- [ ] Not printing shares — +52.4% shares over ~5y
- [x] Proven track record — 10/10 profitable years
- [ ] Financially stable — health score 25/100
- [x] Pays a dividend — yield 1.53%
- [x] Valuation not extreme — P/E 10.5

## Experience (career milestones)

- **Q3 2026** — 2 open-market insider purchases: ~967 shares bought by insiders
- **FY2025** — Best year on record: $702M net income
- **FY2024** — Became debt-free: cash now exceeds total debt
- **FY2017** — Revenue crossed $1B: $1.04B for the year
- **FY2016** — Profitable every year on record: 10 consecutive profitable years in our data
- **FY2016** — Positive free cash flow every year since: 10-year streak
- **2015** — UMB acquired Marquette Financial Companies, which expanded its operations into the U.S states of…
- **2006** — This agreement expired in 2006, after which Verizon Wireless purchased naming rights
- **2002** — The UMB acquired naming rights to St
- **2001** — UMB purchased Sunstone Financial Group Inc. and rebranded it to UMB Fund Services, Inc
- **1995** — UMB acquired Oklahoma Bank and its holding company, First Sooner Bancshares
- **1994** — To reflect its expansion outside of Missouri, UMB changed its name to the current UMB Financial Corporation in 1994
- **1992** — UMB acquired Denver's Columbine National Bank in 1992, and in 1994, all of UMB's Colorado banks were merged into one…
- **1987** — UMB acquired FCB Corp. and its three banks in Southern Illinois
- **1969** — It reorganized as a holding company, Missouri Bancshares
- **1934** — The bank was renamed City National Bank and Trust Company and moved to Kansas City's financial center

## 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

- None stand out in the data.

## Track record

| Year | Revenue | Net income | Free cash flow |
|---|---|---|---|
| FY2021 | $1.33B | $353M | $500M |
| FY2022 | $1.69B | $432M | $718M |
| FY2023 | $1.42B | $350M | $450M |
| FY2024 | $2.80B | $441M | $201M |
| FY2025 | $4.14B | $702M | $978M |

---

Source: https://stockcv.com/UMBF — derived from company filings; may be delayed or incomplete. Information, not investment advice.