Umb Financial Corp
Umb Financial Corp (UMBF) is listed on NASDAQ and classified in Banks - Regional, part of the Financial Services sector. It is headquartered in Kansas City, United States and has 5,222 employees. The company is worth $10.34B and trades at 11.1x its earnings of the last twelve months; the median for its sector is 13.2x. Revenue was $2.65B in fiscal 2025, up 62.8% from the year before. Net income was $702.4M. The share price is 11.2% below its 52-week high of $153.32. It pays a dividend yielding 1.47%, and has raised its annual dividend for 28 years in a row in our records. 4 of the 38 superinvestors we track held it at the end of Q2 2026. The largest position belongs to Ken Griffin (Citadel Advisors), at $134.66M. In that quarter, 1 of them opened or added to the position and 3 reduced it. No open-market insider trades in it were filed over the last 30 days.
Written from the data on this page: SEC filings (13F, Form 4, annual reports) and market prices.
Year by year, from the annual reports; dividends from the payments themselves.
Bars are year-end balances; lines are what happened during the year.
Major managers that reported this stock in their latest 13F.
▲ +30.3% over 5Y.
today you would have $1,442.34▲ +44.2%
Dividends reinvested, splits accounted for. Past prices say what happened, not what will.
The last 18 closed years, each at that year’s closing price and reported numbers.
| Indicator | Median | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 | 2015 | 2014 | 2013 | 2012 | 2011 | 2010 | 2009 | 2008 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Year-end price | $115.04 | $112.86 | $83.55 | $83.52 | $106.11 | $68.99 | $68.64 | $60.97 | $71.92 | $77.12 | $46.55 | $56.89 | $64.28 | $43.82 | $37.25 | $41.44 | $39.35 | $49.14 |
Seven formulas applied to the reported numbers, each with its assumption next to the result. None of them predicts a price.
Square root of 22.5 × earnings × book value. Blind to intangibles, so it undervalues software and brands.
Earnings growing 9.4% a year plus a 1.5% dividend yield. Growth capped at 25%.
Median P/E of 13.2 among peers in the sector.
Median P/E of 14.6 across this company’s own years on record.
Cash flow growing 9.4% a year for 10 years, discounted at 10%, then 2.5% forever.
This formula has no meaning here — usually a loss, negative cash flow, or a missing input.
Companies of similar size in Financial Services, for comparison. The columns are the same ones above, in the same order.
| Stock | Price | P/E | P/B | Dividend yield | ROE | Market cap |
|---|---|---|---|---|---|---|
| SFStifel Financial Corp | $67.85 | 11.5x | 2.0x | 2.00% | — | $10.25B |
| AMGAffiliated Managers Group Inc | $395.53 | 13.8x | 3.4x | 0.01% | 24.26% | $10.23B |
| SSBSouthState Bank Corp | $105.22 | 10.8x | 1.2x | 2.51% | 10.60% | $10.2B |
| JEFJefferies Financial Group Inc. |
| P/E | 14.6x | 12.4x | 12.6x | 11.6x | 9.4x | 14.7x | 11.6x | 13.8x | 15.5x | 14.5x | 24.0x | 19.1x | 21.5x | 20.1x | 14.4x | 14.1x | 18.3x | 17.9x | 20.6x |
| P/S | 3.0x | 3.3x | 5.0x | 2.8x | 2.8x | 4.0x | 2.6x | 3.1x | 3.0x | 3.7x | 4.3x | 2.9x | 3.1x | 3.5x | 2.3x | 2.1x | 2.5x | 2.6x | 3.4x |
| P/B | 1.5x | 1.1x | 2.4x | 1.3x | 1.5x | 1.6x | 1.1x | 1.3x | 1.3x | 1.6x | 2.0x | 1.2x | 1.6x | 1.9x | 1.4x | 1.3x | 1.6x | 1.6x | 2.1x |
| EPS | $9.29 | $8.99 | $7.18 | $8.86 | $7.24 | $5.93 | $4.96 | $3.93 | $4.96 | $3.22 | $2.44 | $2.65 | $3.20 | $3.04 | $2.64 | $2.26 | $2.20 | $2.38 |
| Dividend yield | 1.77% | 1.42% | 1.39% | 1.83% | 1.78% | 1.30% | 1.81% | 1.76% | 1.92% | 1.45% | 1.28% | 2.04% | 1.60% | 1.35% | 1.89% | 2.12% | 1.81% | 1.80% | 1.33% |
| Payout | 27.25% | 17.55% | 17.46% | 21.31% | 16.82% | 19.06% | 21.08% | 24.40% | 29.77% | 20.97% | 30.75% | 38.93% | 34.34% | 27.19% | 27.30% | 29.92% | 33.19% | 32.27% | 27.52% |
| Profit margin | 18.50% | 26.48% | 27.09% | 23.94% | 29.41% | 27.52% | 22.19% | 22.19% | 19.32% | 25.15% | 17.69% | 14.83% | 14.22% | 16.24% | 15.77% | 14.56% | 13.56% | 14.59% | 16.68% |
| ROE | 9.24% | 9.13% | 12.73% | 11.29% | 16.19% | 11.22% | 9.50% | 9.35% | 8.77% | 11.33% | 8.09% | 6.13% | 7.34% | 8.90% | 9.59% | 8.94% | 8.58% | 8.81% | 10.06% |
Median of the years shown; P/E years above 200x are left out.
This formula has no meaning here — usually a loss, negative cash flow, or a missing input.
The average of the method families that answered, not of the seven numbers: four of the seven start from the same earnings per share.
5 methods answered, across 2 families.
Room for errors in the reported numbers.
+101.0% from the average.
Models, not forecasts, and not investment advice. How each formula works →
| $45.64 |
| 12.0x |
| 1.0x |
| 3.51% |
| 8.59% |
| $10.48B |
| WTFCWintrust Financial Corp | $149.75 | 11.3x | 1.5x | 1.47% | 12.88% | $10.1B |
| BPOPPopular Inc | $157.64 | 10.7x | 1.6x | 2.28% | 15.65% | $10.05B |