U

    UMB Financial Corporation (UMBF)

    Official site

    FINANCIAL SERVICES • BANKS - REGIONAL • NASDAQ

    $141.63
    -2.96 (-2.04%)

    Market Cap: $10.98B

    Last updated: Sep 01, 2026 at 10:00 AM ET

    Earnings

    Performance (10Y)

    Beat Rate
    85%(34/40)
    Avg Surprise
    +40.83%
    Streak
    15 Q

    Upcoming Estimates

    Sep 30, 2026
    EPS Consensus$3.20
    Range$3.07 - $3.31
    14 analysts
    EPS Revisions
    5
    0
    7d
    5
    5
    30d
    EPS Estimate Drift
    90d ago$3.18-0.8%
    60d ago$3.18-0.8%
    30d ago$3.19-0.4%
    7d ago$3.20-0.1%
    Current$3.20
    Revenue Consensus
    $740M
    Range$724M - $752M
    9 analysts
    Dec 31, 2026
    EPS Consensus$4.07
    Range$3.80 - $4.25
    14 analysts
    Revenue Consensus
    $813M
    Range$698M - $857M
    10 analysts
    PeriodReportedEst.SurpriseB/MYoY
    Dec 26EST
    -$4.07---
    Sep 26EST
    -$3.20---
    Jun 26
    $3.57$3.08+15.91%Beat+20.6%
    Mar 26
    $3.41$2.82+20.92%Beat+181.8%
    Dec 25
    $2.74$2.47+10.93%Beat+10.0%
    Sep 25
    $2.70$2.50+8.00%Beat+20.0%
    Jun 25
    $2.96$2.37+24.89%Beat+37.0%
    Mar 25
    $1.21$0.11+1000.00%Beat-51.0%
    Dec 24
    $2.49$2.26+10.18%Beat+8.7%
    Sep 24
    $2.25$2.20+2.27%Beat+11.4%
    Jun 24
    $2.16$2.01+7.46%Beat+11.9%
    Mar 24
    $2.47$1.80+37.22%Beat+29.3%
    Dec 23
    $2.29$1.76+30.11%Beat+10.6%
    Sep 23
    $2.02$1.77+14.12%Beat+11.0%
    Jun 23
    $1.93$1.93+0.00%Beat-31.8%
    Mar 23
    $1.91$1.89+1.06%Beat-12.0%
    Dec 22
    $2.07$2.00+3.50%Beat+27.8%
    Sep 22
    $1.82$2.15-15.35%Miss-6.7%
    Jun 22
    $2.83$1.90+48.95%Beat+57.2%
    Mar 22
    $2.17$1.67+29.94%Beat+13.6%
    Dec 21
    $1.62$1.86-12.90%Miss-50.3%
    Sep 21
    $1.95$1.80+8.33%Beat+22.6%
    Jun 21
    $1.80$1.75+2.86%Beat+35.3%
    Mar 21
    $1.91$1.48+29.05%Beat+4875.0%
    Dec 20
    $3.26$1.49+118.79%Beat+139.7%
    Sep 20
    $1.59$1.02+55.88%Beat+25.2%
    Jun 20
    $1.33$0.37+259.46%Beat+13.7%
    Mar 20
    $-0.04N/A-104.60%Miss-103.4%
    Dec 19
    $1.36$1.17+16.24%Beat+142.9%
    Sep 19
    $1.27$1.17+8.55%Beat+9.5%
    Jun 19
    $1.17$1.17+0.00%Beat+4.5%
    Mar 19
    $1.19$1.10+8.18%Beat+0.8%
    Dec 18
    $0.56$1.11-49.55%Miss-41.1%
    Sep 18
    $1.16$1.12+3.57%Beat+18.4%
    Jun 18
    $1.12$1.14-1.75%Miss+24.4%
    Mar 18
    $1.18$1.05+12.38%Beat+32.6%
    Dec 17
    $0.95$0.93+2.15%Beat+4.4%
    Sep 17
    $0.98$0.93+5.38%Beat+12.6%
    Jun 17
    $0.90$0.92-2.17%Miss-
    Mar 17
    $0.89$0.85+4.71%Beat-
    Dec 16
    $0.91$0.85+7.06%Beat-
    Sep 16
    $0.87$0.78+11.54%Beat-

    Dividends

    Dividend Metrics

    Yield1.19%
    Annual/Share$1.69
    Payout Ratio13.62%
    Frequency4
    Pay MonthsJan, Apr, Jul, Oct

    Growth

    3Y CAGR+3.04%
    5Y CAGR+5.45%
    View UMBF's full dividend history

    Key Metrics

    Valuation
    P/E Ratio11.40EV/EBITDAN/A
    Price/FCF10.97xFCF Yield9.11%
    Profitability
    Profit Margin33.50%Operating Margin51.10%
    ROE12.30%ROIC9.17%
    Financial Health
    Debt/Equity0.06xInterest Coverage0.68x
    Current RatioN/AQuick RatioN/A
    Trading Statistics
    Beta0.79Avg Volume469.79K
    52-Week High$153.3252-Week Low$102.27

    Technical Indicators Dashboard

    Moving Averages

    SMA 10$144.87
    SMA 20$146.63
    SMA 50$144.82
    SMA 200$126.76
    EMA 10$144.68
    EMA 20$145.37
    EMA 50$143.01
    EMA 200$129.79

    MACD

    Line: -0.26Signal: 0.60Hist: -0.86

    ADX

    ADX: 17.4+DI: 17.2-DI: 28.7

    Aroon & PSAR

    Aroon Up60.0
    Aroon Down4.0
    PSAR$148.08

    Bollinger Bands

    Upper Band$152.54
    Lower Band$140.71
    %B Position807%(Upper)
    Band Width0.08

    RSI (14-Day)

    Neutral
    40.0

    Momentum Oscillators

    Stoch %K16.7
    Stoch %D16.3
    Williams %R-95.7
    ROC (10d)-6.8%
    Momentum-10.32
    CCI (20d)-127.2
    MFI (14d)54.9

    Volatility Measures

    ATR (14d)$2.99(2.1%)
    StdDev (20d)2.96
    Hist Vol16.7%(Low)

    Volume Flow

    VWAP$142.45
    OBV9.5M
    AD Line-73.4M
    CMF (20d)-0.150

    Volume Metrics

    Avg Vol (20d)472.6K
    Vol Ratio1.1x
    VWMA (20d)$146.85

    Pivot Points

    R3$147.26
    R2$146.45
    R1$145.52
    Pivot Point$144.71
    S1$143.78
    S2$142.97
    S3$142.04

    Advanced Oscillators

    TSI-2.29
    Ultimate Osc37.8
    KST5.02

    Financial Data

    QuarterJun 2026Mar 2026Dec 2025Sep 2025Jun 2025Mar 2025Dec 2024Sep 2024Jun 2024Mar 2024Dec 2023Sep 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 RevenueN/A$332.70M$364.38M$830.84M$404.51M$426.33M$304.99M$328.32M$307.22M$290.63M$266.08M$254.67M
    Gross ProfitN/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 IncomeN/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
    1
    New Awards (TTM)
    0
    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

    Frequently Asked Questions About UMBF

    What is UMBF's current dividend yield?
    UMB Financial Corporation (UMBF) has a current dividend yield of 1.19%.
    Does UMBF pay dividends?
    Yes, UMB Financial Corporation pays dividends with a current yield of 1.19%.
    What is UMBF's P/E ratio?
    UMB Financial Corporation has a price-to-earnings (P/E) ratio of 11.40.
    What is UMBF's market cap?
    UMB Financial Corporation (UMBF) has a market capitalization of $10.98B with a current stock price of $141.63.

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