UMB Financial Corporation (UMBF)

Official site

FINANCIAL SERVICES • BANKS - REGIONAL • NASDAQ

$128.86

-1.27 (-0.98%)

Market Cap: $9.79B

Last updated: Oct 16, 2026 at 1:55 PM ET

Earnings

Performance (10Y)

Beat Rate

85%(33/39)

Avg Surprise

+41.58%

Streak

15 Q

Upcoming Estimates

Period ending Sep 30, 2026

EPS Consensus$3.22

Range$3.07 - $3.31

16 analysts

EPS Revisions

30d

EPS Estimate DriftChange to current

90d ago$3.18+1.3%

60d ago$3.21+0.4%

30d ago$3.21+0.4%

7d ago$3.22-0.0%

Current$3.22

Revenue Consensus

$742M

Range$724M - $753M

11 analysts

Period ending Dec 31, 2026

EPS Consensus$4.10

Range$3.79 - $4.35

16 analysts

Revenue Consensus

$823M

Range$696M - $887M

12 analysts

Period	Reported	Est.	Range	Surprise	B/M	Analysts	Revisions	YoY
Dec 31, 2026Dec 26EST	-	$4.10	$3.79 - $4.35	-	-	16	-	-
Sep 30, 2026Sep 26EST	-	$3.22	$3.07 - $3.31	-	-	16	5 5 30d	-
Jun 30, 2026Jun 26 Reported Jul 28, 2026Reported Jul 28	$3.57	$3.08	$3.03 - $3.20	+15.91%	Beat	13	3 0 30d	+20.6%
Mar 31, 2026Mar 26 Reported Apr 28, 2026Reported Apr 28	$3.41	$2.82	$2.70 - $2.92	+20.92%	Beat	12	4 3 30d	+181.8%
Dec 31, 2025Dec 25 Reported Jan 27, 2026Reported Jan 27	$2.74	$2.47	$2.37 - $2.61	+10.93%	Beat	13	3 0 30d	+10.0%
Sep 30, 2025Sep 25 Reported Oct 28, 2025Reported Oct 28	$2.70	$2.50	$2.40 - $2.72	+8.00%	Beat	13	3 1 30d	+20.0%
Jun 30, 2025Jun 25 Reported Jul 29, 2025Reported Jul 29	$2.96	$2.37	$2.17 - $2.51	+24.89%	Beat	11	3 1 30d	+37.0%
Mar 31, 2025Mar 25 Reported Apr 29, 2025Reported Apr 29	$1.21	$0.11	$-0.22 - $0.43	+1000.00%	Beat	10	1 1 30d	-51.0%
Dec 31, 2024Dec 24 Reported Jan 28, 2025Reported Jan 28	$2.49	$2.26	$2.14 - $2.46	+10.18%	Beat	9	2 2 30d	+8.7%
Sep 30, 2024Sep 24 Reported Oct 29, 2024Reported Oct 29	$2.25	$2.20	$2.11 - $2.39	+2.27%	Beat	7	1 0 30d	+11.4%
Jun 30, 2024Jun 24 Reported Jul 30, 2024Reported Jul 30	$2.16	$2.01	$1.92 - $2.17	+7.46%	Beat	6	1 0 30d	+11.9%
Mar 31, 2024Mar 24 Reported Apr 29, 2024Reported Apr 29	$2.47	$1.80	$1.59 - $1.88	+37.22%	Beat	6	3 0 30d	+29.3%
Dec 31, 2023Dec 23 Reported Jan 30, 2024Reported Jan 30	$2.29	$1.76	$1.75 - $1.77	+30.11%	Beat	5	1 0 30d	+10.6%
Sep 30, 2023Sep 23 Reported Oct 24, 2023Reported Oct 24	$2.02	$1.77	$1.67 - $1.83	+14.12%	Beat	5	1 0 30d	+11.0%
Jun 30, 2023Jun 23 Reported Jul 25, 2023Reported Jul 25	$1.93	$1.93	$1.79 - $2.06	+0.00%	Beat	5	No revisions (30d)	-31.8%
Mar 31, 2023Mar 23 Reported Apr 25, 2023Reported Apr 25	$1.91	$1.89	$1.55 - $2.08	+1.06%	Beat	5	0 1 30d	-12.0%
Dec 31, 2022Dec 22 Reported Jan 24, 2023Reported Jan 24	$2.07	$2.00	$1.87 - $2.16	+3.50%	Beat	5	No revisions (30d)	+27.8%
Sep 30, 2022Sep 22 Reported Oct 25, 2022Reported Oct 25	$1.82	$2.15	$2.07 - $2.30	-15.35%	Miss	5	2 0 30d	-6.7%
Jun 30, 2022Jun 22 Reported Jul 26, 2022Reported Jul 26	$2.83	$1.90	$1.79 - $1.98	+48.95%	Beat	5	1 1 30d	+57.2%
Mar 31, 2022Mar 22 Reported Apr 26, 2022Reported Apr 26	$2.17	$1.67	$1.57 - $1.78	+29.94%	Beat	5	No revisions (30d)	+13.6%
Dec 31, 2021Dec 21 Reported Jan 25, 2022Reported Jan 25	$1.62	$1.86	$1.79 - $1.90	-12.90%	Miss	5	No revisions (30d)	-50.3%
Sep 30, 2021Sep 21 Reported Oct 26, 2021Reported Oct 26	$1.95	$1.80	$1.72 - $1.88	+8.33%	Beat	5	No revisions (30d)	+22.6%
Jun 30, 2021Jun 21 Reported Jul 27, 2021Reported Jul 27	$1.80	$1.75	$1.73 - $1.81	+2.86%	Beat	4	1 0 30d	+35.3%
Mar 31, 2021Mar 21 Reported Apr 27, 2021Reported Apr 27	$1.91	$1.48	$1.14 - $1.63	+29.05%	Beat	6	2 0 30d	+4875.0%
Dec 31, 2020Dec 20 Reported Jan 26, 2021Reported Jan 26	$3.26	$1.49	$1.21 - $2.78	+118.79%	Beat	6	2 0 30d	+139.7%
Sep 30, 2020Sep 20 Reported Oct 27, 2020Reported Oct 27	$1.59	$1.02	$0.54 - $1.33	+55.88%	Beat	6	2 0 30d	+25.2%
Jun 30, 2020Jun 20 Reported Jul 28, 2020Reported Jul 28	$1.33	$0.37	$0.12 - $0.55	+259.46%	Beat	7	No revisions (30d)	+13.7%
Mar 31, 2020Mar 20 Reported Apr 28, 2020Reported Apr 28	$-0.04	N/A	-	-104.60%	Miss	7	No revisions (30d)	-103.4%
Dec 31, 2019Dec 19 Reported Jan 28, 2020Reported Jan 28	$1.36	$1.17	$1.14 - $1.20	+16.24%	Beat	7	No revisions (30d)	+142.9%
Sep 30, 2019Sep 19 Reported Oct 29, 2019Reported Oct 29	$1.27	$1.17	$1.15 - $1.20	+8.55%	Beat	7	No revisions (30d)	+9.5%
Jun 30, 2019Jun 19 Reported Jul 30, 2019Reported Jul 30	$1.17	$1.17	$1.13 - $1.20	+0.00%	Beat	6	No revisions (30d)	+4.5%
Mar 31, 2019Mar 19 Reported Apr 23, 2019Reported Apr 23	$1.19	$1.10	$1.06 - $1.12	+8.18%	Beat	6	1 0 30d	+0.8%
Dec 31, 2018Dec 18 Reported Jan 29, 2019Reported Jan 29	$0.56	$1.11	$1.08 - $1.14	-49.55%	Miss	7	No revisions (30d)	-41.1%
Sep 30, 2018Sep 18 Reported Oct 23, 2018Reported Oct 23	$1.16	$1.12	$1.09 - $1.16	+3.57%	Beat	7	No revisions (30d)	+18.4%
Jun 30, 2018Jun 18 Reported Jul 24, 2018Reported Jul 24	$1.12	$1.14	$1.07 - $1.17	-1.75%	Miss	7	1 0 30d	+24.4%
Mar 31, 2018Mar 18 Reported Apr 24, 2018Reported Apr 24	$1.18	$1.05	$1.02 - $1.09	+12.38%	Beat	7	1 0 30d	+32.6%
Dec 31, 2017Dec 17 Reported Jan 23, 2018Reported Jan 23	$0.95	$0.93	$0.91 - $0.97	+2.15%	Beat	7	2 0 30d	+4.4%
Sep 30, 2017Sep 17 Reported Oct 24, 2017Reported Oct 24	$0.98	$0.93	$0.90 - $0.95	+5.38%	Beat	7	No revisions (30d)	-
Jun 30, 2017Jun 17 Reported Jul 25, 2017Reported Jul 25	$0.90	$0.92	$0.87 - $0.96	-2.17%	Miss	7	2 0 30d	-
Mar 31, 2017Mar 17 Reported Apr 25, 2017Reported Apr 25	$0.89	$0.85	-	+4.71%	Beat	-	-	-
Dec 31, 2016Dec 16 Reported Jan 24, 2017Reported Jan 24	$0.91	$0.85	-	+7.06%	Beat	-	-	-

Dividends

Dividend Metrics

Forward Yield1.55%

Forward Annual Dividend$2.00

FrequencyQuarterly

Pay MonthsJan, Apr, Jul, Oct

Growth

3Y CAGR+3.04%

5Y CAGR+5.45%

UMBF dividend history and ex-dividend dates Run UMBF in the free DRIP calculator

Key Metrics

Valuation
P/E Ratio	10.38	EV/EBITDA	N/A
Price/FCF	10.01x	FCF Yield	9.99%
Profitability
Profit Margin	33.50%	Operating Margin	51.10%
ROE	12.30%	ROIC	N/A
Financial Health
Debt/Equity	0.06x	Interest Coverage	0.59x
Current Ratio	N/A	Quick Ratio	N/A
Trading Statistics
Beta	0.83	Avg Volume	724.16K
52-Week High	$152.78	52-Week Low	$101.90

Technical Indicators Dashboard

Moving Averages

SMA 10$129.98

SMA 20$131.84

SMA 50$138.98

SMA 200$129.89

EMA 10$130.45

EMA 20$132.26

EMA 50$135.94

EMA 200$130.39

MACD

Line: -2.57Signal: -2.76Hist: 0.19

ADX

ADX: 37.1+DI: 17.3-DI: 35.7

Aroon & PSAR

Aroon UpN/A

Aroon Down80.0

PSAR$125.99

Bollinger Bands

Upper Band$136.47

Lower Band$127.20

%B Position703%(Upper)

Band Width0.18

RSI (14-Day)

Neutral

35.0

Momentum Oscillators

Stoch %K38.3

Stoch %D41.3

Williams %R-72.2

ROC (10d)-0.9%

Momentum-1.15

CCI (20d)-101.6

MFI (14d)43.0

Volatility Measures

ATR (14d)$2.81(2.2%)

StdDev (20d)2.32

Hist Vol14.9%(Low)

Volume Flow

VWAP$128.50

OBV12.2M

AD Line-84.9M

CMF (20d)-0.044

Volume Metrics

Avg Vol (20d)736.5K

Vol Ratio0.8x

VWMA (20d)$132.11

Pivot Points

R3$134.93

R2$133.66

R1$131.90

Pivot Point$130.63

S1$128.86

S2$127.59

S3$125.83

Advanced Oscillators

TSI-30.07

Ultimate Osc52.1

KST-72.91

Financial Data

Quarter	Jun 2026	Mar 2026	Dec 2025	Sep 2025	Jun 2025	Mar 2025	Dec 2024	Sep 2024	Jun 2024	Mar 2024	Dec 2023	Sep 2023
Total Revenue	$778.03M	$867.07M	$720.87M	$678.34M	$689.21M	$563.84M	$434.19M	$406.12M	$390.03M	$398.68M	$370.78M	$355.60M
Cost of Revenue	N/A	$332.70M	$364.38M	$830.84M	$404.51M	$426.33M	$304.99M	$328.32M	$307.22M	$290.63M	$266.08M	$254.67M
Gross Profit	N/A	$534.37M	$720.87M	$660.41M	$612.21M	$424.19M	$375.22M	$345.94M	$334.46M	$350.18M	$334.83M	$315.76M

Operating Expenses	$399.63M	$407.88M	$425.56M	$419.29M	$393.17M	$384.79M	$270.36M	$252.45M	$249.07M	$254.80M	$289.97M	$231.44M
R&D	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0
SG&A	$0	$357.42M	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0
Operating Income	N/A	$126.48M	$295.31M	$236.56M	$275.04M	$93.05M	$144.82M	$135.66M	$126.91M	$133.87M	$80.80M	$119.19M

Interest Income	$871.37M	$867.07M	$886.88M	$878.90M	$850.54M	$737.97M	$554.97M	$557.69M	$538.28M	$520.07M	$496.60M	$471.98M
Interest Expense	$338.84M	$332.70M	$364.38M	$403.86M	$383.51M	$340.33M	$285.99M	$310.32M	$293.17M	$280.63M	$266.08M	$249.69M
Income Before Tax	$350.40M	$331.28M	$270.31M	$236.56M	$275.04M	$93.05M	$144.82M	$135.66M	$126.91M	$133.87M	$80.80M	$119.19M
Income Tax Expense	$72.83M	$69.84M	$54.95M	$48.24M	$57.65M	$11.72M	$24.83M	$26.02M	$25.57M	$23.62M	$9.88M	$22.63M

Net Income	$277.57M	$261.44M	$215.35M	$188.32M	$217.39M	$81.33M	$120.00M	$109.64M	$101.34M	$110.26M	$70.92M	$96.55M

EBITDA	$373.86M	$149.94M	$254.10M	$236.34M	$336.39M	$101.33M	$182.53M	$156.94M	$148.73M	$154.61M	$104.95M	$144.81M
EBIT	$350.40M	$126.48M	$270.31M	$236.56M	$275.04M	$93.05M	$144.82M	$135.66M	$126.91M	$133.87M	$80.80M	$119.19M

* Some calculated fields are derived from available data when not provided by source

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Government Contracts

Gov Obligations (TTM)

$250000

Gov Obligations / Revenue

0.0%

Obligations YoY

N/A

Active Awards

New Awards (TTM)

Avg Remaining Term

13.9 mo

Top agency: Export-Import Bank of the United States at 100.0% of trailing twelve month obligations across 1 agencies

Federal contract obligations are bookings recorded by the awarding agency, not recognized revenue. They can exceed 100% of revenue and can be negative when contracts are de-obligated. Source: USAspending.gov prime awards, data through Jul 31, 2026.

News

UMBF5045774 Bond Profile: Coupon and Redemption

This article provides a detailed profile of the UMBF5045774 bond issued by UMB Financial Corporation. It outlines key facts such as the issue and maturity dates, face value, coupon rate...

TradingView•Oct 13, 2026 11:43 PM ET10/13/26•Neutral

UMB Financial Corp ADR stock hits 52-week low at 25.11 USD

UMB Financial Corp ADR stock has dropped to a 52-week low of $25.11, reflecting a challenging year with a -6.17% change. Despite this decline...

Investing.com Canada•Oct 12, 2026 3:52 PM ET10/12/26•Somewhat-Bearish

UMB Financial Corporation (UMBF) stock price, news, quote and history

This Yahoo Finance page provides comprehensive financial information for UMB Financial Corporation (UMBF), including its current stock price, historical data...

Yahoo Finance Australia•Sep 24, 2026 8:50 AM ET9/24/26•Neutral

California State Teachers Retirement System Grows Position in UMB Financial Corporation $UMBF

The California State Teachers Retirement System significantly increased its holdings in UMB Financial Corporation (NASDAQ:UMBF) by 13,612.7% during the second quarter...

MarketBeat•Sep 12, 2026 4:37 AM ET9/12/26•Bullish

UMB Financial Corp's Dividend Analysis

UMB Financial Corp (UMBF) recently announced a $0.50 per share dividend, with an ex-dividend date of September 10, 2026, and a payment date of October 1...

Yahoo Finance UK•Sep 10, 2026 7:11 AM ET9/10/26•Neutral

UMBF Valuation and Fair Value

P/E: 10.4x
Forward P/E: 9.6x
P/FCF: 10.0x
PEG: 2.5x
P/B: 1.3x

See GNG's fair value

UMBF Profitability: Margins, ROIC and FCF

Operating margin: 51.1%
Net margin: 33.5%
ROE: 12.3%
FCF yield: 10.0%

UMBF Competitors

Company	Ticker
Brookfield Wealth Solutions Ltd.	BNT
Evercore Partners Inc	EVR
Popular Inc	BPOP
Ryan Specialty Group Holdings Inc	RYAN
Jefferies Financial Group Inc	JEF
SouthState Corporation	SSB
FactSet Research Systems Inc	FDS
Wintrust Financial Corporation	WTFC

Sector: Financial Services

UMBF Analyst Ratings

Consensus: Buy
Analysts: 16
Strong Buy: 7
Buy: 6
Hold: 3
Sell: 0
Strong Sell: 0

UMBF Bull Case vs Bear Case

Bull case

UMBF has a 33.5% net profit margin.
UMBF beat EPS estimates in 100.0% of its last 8 reported quarters.
UMBF grew quarterly revenue 12.2% year over year.

UMBF Earnings: Beat Rate and Next Report

Beat rate: 8 of 8 quarters (100.0%)
Average surprise: 136.6%
EPS estimate (fiscal period ending Sep 30, 2026): $3.22
Estimate revisions (30 days, fiscal period ending Sep 30, 2026): 5 up, 5 down

UMBF Dividend

Forward yield: 1.6%
3Y DPS growth: 3.0%
5Y DPS growth: 5.5%
Pay months: Jan, Apr, Jul, Oct

UMBF dividend history

Frequently Asked Questions About UMBF

What is UMBF's current dividend yield?

UMB Financial Corporation (UMBF) has a forward dividend yield of 1.55%.

Does UMBF pay dividends?

Yes, UMB Financial Corporation pays dividends with a forward dividend yield of 1.55%.

What is UMBF's P/E ratio?

UMB Financial Corporation has a price-to-earnings (P/E) ratio of 10.38.

What is UMBF's market cap?

UMB Financial Corporation (UMBF) has a market capitalization of $9.79B with a current stock price of $128.86.

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