StockCV
UMB Financial Corp logo

UMB Financial Corp

National Commercial Banks

$130.30
-0.07%
Market cap $9.90B

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.

Valuation75Growth69Profitability74Health50Quality52Moat50

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

How the scores work →

Experience

The company's career so far — founding, the IPO, landmark products and acquisitions, plus revenue milestones and insider buying.

  1. Q3 2026Insiders
    2 open-market insider purchases
    ~967 shares bought by insiders
  2. FY2025Financial
    Best year on record
    $702M net income
  3. FY2024Financial
    Became debt-free
    cash now exceeds total debt
  4. FY2017Financial
    Revenue crossed $1B
    $1.04B for the year
  5. FY2016Financial
    Profitable every year on record
    10 consecutive profitable years in our data
  6. FY2016Financial
    Positive free cash flow every year since
    10-year streak
  7. 2015Acquisition
    UMB acquired Marquette Financial Companies, which expanded its operations into the U.S states of…
  8. 2006Acquisition
    This agreement expired in 2006, after which Verizon Wireless purchased naming rights
  9. 2002Acquisition
    The UMB acquired naming rights to St
  10. 2001Acquisition
    UMB purchased Sunstone Financial Group Inc. and rebranded it to UMB Fund Services, Inc
  11. 1995Acquisition
    UMB acquired Oklahoma Bank and its holding company, First Sooner Bancshares
  12. 1994Milestone
    To reflect its expansion outside of Missouri, UMB changed its name to the current UMB Financial Corporation in 1994
  13. 1992Acquisition
    UMB acquired Denver's Columbine National Bank in 1992, and in 1994, all of UMB's Colorado banks were merged into one…
  14. 1987Acquisition
    UMB acquired FCB Corp. and its three banks in Southern Illinois
  15. 1969Milestone
    It reorganized as a holding company, Missouri Bancshares
  16. 1934Milestone
    The 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.

$10 000 invested in 2021 would be worth ~$13 257 today — price return only
$4.1B revenue in FY2025
Revenue up 27.6% year over year
Profitable 10 years in a row
Positive free cash flow 10 years in a row
5 222 employees

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.

9 of 11 checks passed
  • Revenue growing+27.6% YoY
  • Profitable$943M TTM
  • Profit growing+2.5% YoY
  • Generates cash$1.04B TTM
  • Debt under controlmore cash than debt
  • Established company$9.90B market cap
  • Not printing shares+52.4% shares over ~5y
  • Proven track record10/10 profitable years
  • Financially stablehealth score 25/100
  • Pays a dividendyield 1.53%
  • Valuation not extremeP/E 10.5
Peer comparisonUMB Financial Corp vs 6 largest financial services peers — cap, P/E, growth and margin side by sideOpen ▾
CompanyMarket capP/ERevenue growthNet marginProfile
UMBF this company$9.9B10.5+27.6%21.6%Strained
BRK.A Berkshire Hathaway Inc.$1.1T11.6+3.9%22.3%Mixed
BRK.B Berkshire Hathaway$1.1T11.6+0.0%18.0%Strong
JPM JPMorgan Chase & Co.$886.2B13.6+13.5%32.6%Strained
V VISA Inc.$723.9B31.9+14.4%50.8%Solid
MA Mastercard Incorporated$516.4B31.7+16.0%46.3%Mixed
BAC Bank of America Corporation$380.4B11.3+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.

Strong buy 4Buy 14Hold 3

Appendix · Financial records

The full statements behind this CV, FY2016–FY2025. For readers who want to check the numbers.

Want the live picture — intraday moves, valuation history and full analysis?

Deeper analysis of UMBF on PreMarketPrice

Figures 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.