UMB Financial
UMBF Nasdaq· Regional Banks
Last close · Oct 26, 2026
$134.26
KIRA · Stoqly’s AI analyst, in plain words
- UMB Financial had $2.7B of revenue in fiscal 2025, up 62.8% on the year before. Over five years, revenue changed +15.5% a year on average.
- UMB Financial made $702M of net profit in fiscal 2025. From fiscal 2016 to 2025, diluted EPS grew 12.5% a year.
- UMB Financial returned $153M to shareholders in fiscal 2025. The diluted share count rose 50.2%.
- It earned 12.6% on shareholders’ money. Running costs took 61.2% of revenue (the efficiency ratio; lower is better).
Market cap
$9.9B
P/E
11.2x
Revenue
$2.7B
Net income
$702M
Return on equity
12.6%
Efficiency ratio
61.2%
UMB Financial in 30 seconds · fiscal 2025
Are sales growing?
+62.8%
Yes. Sales grew 62.8% last year.
Does it make a profit?
26.5%
Yes. It keeps 26.5% of every sale as profit.
How lean are its costs?
61.2%
Average. Running costs take 61.2% of revenue.
How much does it earn on its capital?
12.6%
Good. It earns 12.6% a year on shareholders’ money.
How is the share priced?
11.2x
One share costs 11.2 times its yearly profit per share. Typical for its sector: 13.7x.
What UMB Financial does
No business description yet.
- Fiscal year ends
- December 31, 2025
- Latest annual report
- 10-K · Feb 26, 2026
- Legal name
- UMB FINANCIAL CORP
- CIK
- 0000101382
UMB Financial · UMBF
Results and finances
The last 5 fiscal years. Amounts in USD.
| Fiscal year | FY21 | FY22 | FY23 | FY24 | FY25 |
|---|---|---|---|---|---|
| Sales and profit | |||||
| Revenue | $1.3B | $1.5B | $1.5B | $1.6B | $2.7B |
| Revenue growth | −0.7% | 14.5% | −0.4% | 11.4% | 62.8% |
| Net interest income | $816M | $914M | $920M | $1.0B | $1.9B |
| Net income | $353M | $432M | $350M | $441M | $702M |
| Net margin | 27.5% | 29.4% | 23.9% | 27.1% | 26.5% |
| Diluted EPS | $7.24 | $8.86 | $7.18 | $8.99 | $9.29 |
| Cash | |||||
| Dividends paid | $66.8M | $72.0M | $74.2M | $77.1M | $136M |
| Share buybacks | $5.5M | $32.0M | $8.4M | $7.7M | $17.6M |
| Share count change | 0.8% | 0.0% | 0.0% | 0.6% | 50.2% |
| Debt and strength | |||||
| Loans, net | $17.0B | $20.8B | $23.0B | — | — |
| Deposits | $35.6B | $32.6B | $35.8B | $43.1B | $60.7B |
| Shareholders' equity | $3.1B | $2.7B | $3.1B | $3.5B | $7.7B |
| Returns and quality | |||||
| Return on equity | 11.5% | 14.9% | 12.1% | 13.4% | 12.6% |
| Return on tangible equity | 12.2% | 15.9% | 13.1% | 14.3% | 15.5% |
| Efficiency ratio | 65.0% | 61.2% | 68.3% | 63.0% | 61.2% |
Insiders bought, 12 months
$0.2M
2 insiders
Insiders sold, 12 months
$11.6M
11 insiders
Of sales under plans
0%
$0.0M
How to read these numbers
- Revenue:
- Total sales reported in the income statement.
- Net income:
- Profit after all expenses, interest and tax.
- Efficiency ratio:
- Noninterest expense as a share of revenue. Lower is better for banks.
- Return on equity:
- Net income as a share of average shareholders' equity.
- Return on tangible equity:
- Net income to common over equity minus goodwill and intangibles.
- Diluted EPS:
- Net income per diluted share.
UMB Financial · UMBF
Charts and comparison
Ten years at a glance, and how it stacks up against similar companies.
Revenue
Net income
Return on equity and efficiency ratio
Loans and deposits
Dividends and buybacks
Diluted EPS
Similar companies
Each company’s latest fiscal year. Fiscal years end in different months, so periods don’t line up exactly.
| Company | Market cap | Growth | Net margin | ROE | P/E | F-score |
|---|---|---|---|---|---|---|
| UMB Financial UMBF | $9.9B | 62.8% | 26.5% | 12.6% | 11.2x | — |
| South State Bank SSB | $10.7B | 56.1% | 29.8% | 10.7% | 11.1x | — |
| Wintrust Financial WTFC | $10.3B | 11.2% | 30.2% | 12.1% | 12.1x | — |
| Old National Bank ONB | $9.1B | 33.9% | 26.5% | 9.0% | 12.8x | — |
| East West Bancorp EWBC | $18.3B | 12.2% | 45.2% | 15.9% | 12.7x | — |
Price compared with profit (P/E)
How many times its yearly profit per share one share costs. Higher means investors pay more for each unit of profit.
KIRA
At $134.26 a share, the company is worth $9.9B: 11.2 times its earnings of the last four quarters.
UMB Financial grew sales faster than 4 of its 4 similar companies. Its P/E is higher than 1 of 4.
Source: SEC EDGAR XBRL filings (CIK 0000101382). Data updated October 18, 2026. For information only — not investment advice. Check the original filings before relying on any figure.