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Umb financial corporationUMBF.US Overview

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UMBF Recent Performance

0.99%

Umb financial corporation

1.79%

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-0.31%

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UMBF Key Information

UMBF Financial Forecast

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QuarterlyEPS ForecastQoQMaxMin
2026Q1
2026Q2
2026Q3
2026Q4
2027Q1

UMBF Profile

UMB Financial Corporation operates as the bank holding company for the UMB Bank that provides various banking and other financial services. The Commercial Banking segment provides commercial loans and credit card; commercial real estate financing; letters of credit; loan syndication, and consultative service; various business solutions including asset-based lending, accounts receivable financing, mezzanine debt, and minority equity investment; and treasury management service, such as depository service, account reconciliation, cash management tool, accounts payable and receivable solution, electronic fund transfer and automated payment, controlled disbursement, lockbox service, and remote deposit capture service. The Institutional Banking segment offers asset management and healthcare service provided to institutional client; and fund administration and accounting, investor service and transfer agency, marketing and distribution, custody, alternative investment service, fixed income sale, trading and underwriting, and corporate trust and escrow service, as well as institutional custody service. This segment also provides healthcare payment solution includes custodial service for health saving accounts and private label, multipurpose debit cards to insurance carriers, third-party administrator, software companies, employers, and financial institutions. The Personal Banking segment offers deposit account, retail credit card, private banking, installment loan, home equity line of credit, residential mortgage, and small business loan, as well as internet banking, ATM network, private banking, brokerage and insurance service, and advisory and trust service. It operates through a network of branches and offices in the states of Missouri, Kansas, Colorado, Illinois, Oklahoma, Texas, Arizona, Nebraska, Iowa, Pennsylvania, South Dakota, Indiana, Utah, Minnesota, California, and Wisconsin. The company was founded in 1913 and is headquartered in Kansas City, Missouri.

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UMBF FAQ

This disclaimer is provided by TradingValley Inc. and includes any messages, news, research, analysis, prices or other information provided by the Company's website, the application "Growin App" and other services provided through the Company's website. It is only general market information for educational and investment decision-making reference, and does not constitute any investment advice. View Growin Disclaimer

UMBF Earnings Table

Unit : USD

QTRNon-GAAP EPSEPS YoYEPS Surprise %SalesSales YoYSales Surprise %NPM
Current
2025Q4
2025Q3
2025Q2
2025Q1
METRIC
VALUE
vs. INDUSTRY
EPS (TTM)
9.25
PE Ratio (TTM)
12.47
Forward PE
10.43
PS Ratio (TTM)
3.52
PB Ratio
1.27
Price-to-FCF
10.12
METRIC
VALUE
vs. INDUSTRY
Gross Margin
87.38%
Net Margin
24.33%
Revenue Growth (YoY)
84.13%
Profit Growth (YoY)
60.89%
3-Year Revenue Growth
44.24%
3-Year Profit Growth
25.85%
METRIC
VALUE
vs. INDUSTRY
EPS (TTM)
9.25
PE Ratio (TTM)
12.47
Forward PE
10.43
PS Ratio (TTM)
3.52
PB Ratio
1.27
Price-to-FCF
10.12
Gross Margin
87.38%
Net Margin
24.33%
Revenue Growth (YoY)
84.13%
Profit Growth (YoY)
60.89%
3-Year Revenue Growth
44.24%
3-Year Profit Growth
25.85%

  • When is UMBF's latest earnings report released?

    The most recent financial report for Umb financial corporation (UMBF) covers the period of 2025Q4 and was published on 2025/12/31. This report is prepared according to IFRS/US GAAP standards and includes key financial indicators—Revenue, Profitability, Cash Flow, and Capital Structure. This information is essential for investors evaluating UMBF's short-term business performance and financial health. For the latest updates on UMBF's earnings releases, visit this page regularly.

  • Where does UMBF fall in the P/E River chart?

    According to historical valuation range analysis, Umb financial corporation (UMBF)'s current price-to-earnings (P/E) ratio is 10.14, placing it in the Watch zone on the P/E River chart. This level indicates that the market's expectations for future earnings are already reflected in the share price, with the valuation currently leaning optimistic. Investors are advised to further examine the company's fundamentals and its position in the industry cycle to validate whether the valuation is justified.

  • What is the operating profit of UMBF?

    According to the latest financial report, Umb financial corporation (UMBF) reported an Operating Profit of 295.31M with an Operating Margin of 27.21% this period, representing a growth of 103.91% compared to the same period last year. Operating Profit reflects the company's core business efficiency and cost control, making it a key indicator for evaluating operational strength and profitability.

  • How is UMBF's revenue growth?

    In the latest financial report, Umb financial corporation (UMBF) announced revenue of 1.09B, with a Year-Over-Year growth rate of 161.39%. Revenue growth can be driven by product mix changes, market share expansion, price adjustments, or international market penetration. Investors should also monitor gross margin and regional revenue distribution for a comprehensive view of growth quality and sustainability.

  • How much debt does UMBF have?

    As of the end of the reporting period, Umb financial corporation (UMBF) had total debt of 3.8B, with a debt ratio of 0.01. Short-term debt comprises a higher/lower proportion. The level of financial leverage directly impacts the company's capital structure and interest coverage. If debt is high, pay attention to interest expenses and refinancing risks. Conversely, a low-leverage structure indicates greater risk tolerance but potentially less growth flexibility.

  • How much cash does UMBF have?

    At the end of the period, Umb financial corporation (UMBF) held Total Cash and Cash Equivalents of 952.55M, accounting for 0.01 of total assets. Both current and quick ratios indicate robust short-term debt repayment ability. High cash reserves typically mean the company has strong liquidity, supporting operational needs, expansion investments, or shareholder returns.

  • Does UMBF go with three margins increasing?

    In the latest report, Umb financial corporation (UMBF) achieved the “three margins increasing” benchmark, with a gross margin of 66.42%%, operating margin of 27.21%%, and net margin of 19.84%%. This demonstrates improvement in profitability, which is a key signal for fundamental analysis. Investors should consider margin trends alongside other financial indicators to assess UMBF's profit trajectory and future growth potential.

  • Is UMBF's EPS continuing to grow?

    According to the past four quarterly reports, Umb financial corporation (UMBF)'s earnings per share (EPS) shows a steady growth trend, with the latest EPS at 2.76. If EPS continues to rise due to revenue growth and cost optimization, it can support P/E valuation recovery and attract long-term investors.

  • What is the FCF of UMBF?

    Umb financial corporation (UMBF)'s Free Cash Flow (FCF) for the period is 0, calculated as Operating Cash Flow minus Capital Expenditures, representing a rise of 100% compared with the previous period. Positive FCF growth provides stable funding for dividends, debt repayment, or strategic acquisitions, and is an important measure of true profitability and shareholder return potential.

  • What are the PEG ratio and PE ratio of UMBF?

    The latest valuation data shows Umb financial corporation (UMBF) has a Price-To-Earnings (PE) ratio of 10.14 and a Price/Earnings-To-Growth (PEG) ratio of 0.64. A PEG below 1 usually suggests the market is underestimating growth potential, while a PEG above 1 indicates high growth expectations are already priced in. Investors should conduct a comprehensive valuation by considering historical growth, market forecasts, and industry cycles.