UMB Financial Corporation

UMBF

$143.44

+1.08%

2026-09-03 16:00:00 EDT+$1.53

Financial Services

Banks - Regional

NASDAQ

활발히 거래 중

UMB Financial Corporation serves as the holding company for UMB Bank, delivering a comprehensive array of banking and financial solutions. Its Commercial ...

UMBF 주가 흐름

$143.44

+1.08%+$1.53

고가—

저가—

52주 최고-6.4%

거래량비—

간격

범위6.5h

거래량—SMA5SMA10

—

UMB Financial Corporation, founded in 1913, is a bank holding company that provides a wide range of banking and financial services through its principal subsidiary, UMB Bank. The company operates in three primary segments: Commercial Banking, Institutional Banking, and Personal Banking. Commercial Banking offers businesses essential services such as commercial ...UMB Financial Corporation, founded in 1913, is a bank holding company that provides a wide range of banking and financial services through its principal subsidiary, UMB Bank. The company operates in three primary segments: Commercial Banking, Institutional Banking, and Personal Banking. Commercial Banking offers businesses essential services such as commercial loans, credit cards, real estate financing, letters of credit, loan syndication, and specialized solutions like asset-based lending and treasury management. Institutional Banking serves institutional clients with asset management, healthcare services, fund administration, custody, corporate trust, and investment banking, including fixed-income sales and trading. Personal Banking provides individual customers with deposit accounts, credit cards, private banking, loans (installment, home equity, residential mortgages, small business), and additional services like internet banking, brokerage, insurance, and trust services. The company operates a network of branches and offices across 17 states, including Missouri, Kansas, Colorado, and California. As of 2022, UMB Financial employed approximately 3,804 people and reported net income of $431.7 million on total assets of $38.5 billion. The company is publicly traded on NASDAQ under the symbol UMBF. With a history of innovation, such as introducing online banking in 1995, UMB remains committed to providing comprehensive financial solutions. Its financial performance reflects a solid return on equity of 12.2% and a strong dividend yield, supported by effective cost management and diverse revenue streams. Under the leadership of Chairman and CEO Mariner Kemper, UMB continues to expand its footprint and enhance its digital capabilities, maintaining a customer-centric approach across all segments.펼치기접기

설립

1913

직원 수

5222

CEO

J. Mariner Kemper

정식 명칭

UMB Financial Corporation

섹터

Financial Services

산업

Banks - Regional

ROE

12.17%

시가총액

$10.89B

유동비율

0.25

WACC

14.37%

ROIC

215.55%

연락처 정보

https://www.umb.com

816 860 7000

1010 Grand Boulevard, Kansas City, MO 64106

UMBF 핵심 지표

스냅샷

최근 / TTM · 6개 기간

시가총액

$10.89B

ROCE

1.5%

EV / EBITDA

11.79x

-9.6% YoY

FCF 수익률

9.8%

-1.4% YoY

현금전환주기

0.0d

유동비율

0.25

요약

TTM —

Current ratio below 1.0

Negative working capital

UMBF 재무 하이라이트

수익성 추세

최신 / TTM · 6개 기간

매출총이익률

58.5%

순이익률

20.7%

P/E 비율

11.87x

없음

부채 / 자본

0.44

없음

유동비율

0.25

배당수익률

1.2%

이해

TTM —

유동비율이 1.0 미만입니다

UMBF 캘린더

예정

2026년 9월 10일6일 후
배당락일
$1.69 주당
2026년 9월 30일26일 후
Q3 FY2026 · 실적 전망
예상 EPS $3.21 · 매출 $741.26M · 10 명의 애널리스트
2026년 10월 1일27일 후
배당 지급일
$1.69 주당
2026년 12월 30일
Q4 FY2026 · 실적 전망
예상 EPS $3.27 · 매출 $754.90M · 10 명의 애널리스트

최근 이력

2026년 7월 30일
Q2 FY2026 · 실적 발표 완료
EPS $3.56 · 매출 $1.12B
공시 보기
2026년 4월 30일
Q1 FY2026 · 실적 발표 완료
EPS $3.35 · 매출 $867.07M
공시 보기
2026년 2월 26일
FY2025 · 연간 실적 발표
EPS $9.13 · 매출 $4.44B
공시 보기
2025년 10월 30일
Q3 FY2025 · 실적 발표 완료
EPS $2.36 · 매출 $1.49B
공시 보기
2025년 7월 31일
Q2 FY2025 · 실적 발표 완료
EPS $2.82 · 매출 $1.02B
공시 보기
2025년 5월 2일
Q1 FY2025 · 실적 발표 완료
EPS $1.21 · 매출 $850.52M
공시 보기

UMBF 재무제표

5년 추세(매출, 이익, FCF)

지표	최신	전년 대비YoY는 Year-over-Year(전년 대비)를 의미합니다. 최근 연도 값을 이전 연도 값과 비교하여 장기 추세의 강도를 보여줍니다.	전분기 대비QoQ는 Quarter-over-Quarter(전분기 대비)를 의미합니다. 최근 분기를 직전 분기와 비교하여 단기 모멘텀 변화를 보여줍니다.
매출고객에게 물건을 판매하여 청구서가 지급되기 전까지 들어온 총 금액입니다. 고객의 모든 카드 결제의 총합이라고 보시면 됩니다. (YoY는 올해를 작년 성과와 비교하며, QoQ는 최근 3개월을 이전 3개월과 비교합니다).	$4.4B	+68.5%	+28.8%
순이익절대적인 최종 이익입니다. 회사가 모든 공급업체, 직원, 은행, 세무 당국에 비용을 지불하고 남은 실제 금액입니다.	$702.4M	+59.2%	+6.2%
매출총이익률기본적인 마진입니다. 100달러짜리 운동화를 판매한다면, 이 비율은 원료와 끈 비용을 지불한 직후의 이익이 가격의 얼마인지를 나타내며, 매장 임대료나 TV 광고 같은 비용은 제외됩니다.	+54.4%	+2.1%	+9.0%
영업이익률본업의 효율성 점수입니다. 고객이 지불하는 1달러 중에서 제품을 만들고 모든 일상적인 회사 운영비(급여, 마케팅, 임대료 등)를 지불한 후 회사가 보유하는 금액을 나타냅니다.	+20.3%	-1.3%	+115.1%
순이익률최종 이익 비율입니다. 모든 비용, 세금, 이자를 차감한 후, 매출 1달러 중 회사가 실제로 보유하는 정확한 액수입니다.	+15.8%	-5.5%	-17.6%
잉여현금흐름기업 현금흐름의 핵심입니다. 일상적인 운영비를 지불하고 생존에 필요한 큰 설비(공장, 서버 등)에 투자한 후 남은 사용 가능한 실제 현금입니다. 배당금이나 자사주 매각에 사용될 수 있는 '자유' 현금입니다.	$978.1M	+386.4%	-0.8%
FCF 마진궁극의 현금 전환율입니다. 일반 매출을 즉시 사용 가능한 현금으로 얼마나 잘 전환하는지를 나타냅니다. 비율이 높을수록 현금 창출 능력이 우수합니다.	+22.0%	+188.7%	-23.0%
부채/자본재무 리스크 지표입니다. 차입금으로 구축된 자산과 주주의 자기자본 비율을 비교합니다. 높으면 레버리지가 크고 위험이 큽니다.	49.4%	-42.8%	-13.8%
유동비율12개월 생존 점검입니다. 현재 보유한 현금과 즉시 현금화 가능한 자산으로 1년 내 갚아야 할 즉시 청구서를 갚을 수 있는지를 비교합니다. 1 이상이면 당장 지급에 충분합니다.	0.01x	-96.0%	+22.0%
총자산회사의 절대적인 규모입니다. 계산대의 현금, 창고의 재고, 소프트웨어 특허, 공장 등 회사가 보유한 모든 가치 있는 자산을 합친 것입니다.	$73.1B	+45.0%	-0.6%

실적 vs 추정치

A Dec 31Q Sep 30

지표	연간 (실적 vs 추정치)	연간 서프라이즈	분기 (실적 vs 추정치)	분기 서프라이즈
EPS 서프라이즈	9.13 vs 10.72	-14.8%	3.56 vs 3.21	+11.1%
매출 서프라이즈	$4.4B vs $2.6B	+70.5%	$1.1B vs $741.3M	+50.7%

UMBF 내부자 거래

매수 (A)

Since Aug 4, 2026

매도 (D)

Since Aug 4, 2026

매수/매도 주식 수와 종가 추세(공통 일간 가격 소스)

내부자 거래 스냅샷

날짜	임원	직책	증권	구분	주식 수	가격
Sep 1, 2026	Peterman Tamara	director	Common Stock	A	394	$139.60
Sep 1, 2026	GRAVES GREG M	director	Common Stock	A	573	$139.60
Aug 17, 2026	Terry Thomas S	officer: Chief Credit Officer	Common Stock	D	5,713	$151.77
Aug 17, 2026	Shankar Ram	officer: Chief Financial Officer	Common Stock	D	2,000	$151.61
Aug 6, 2026	Murphy Susan G	director	Common Stock	D	475	$145.66

UMBF 실적 발표 스크립트

1개 녹취록 세그먼트

Q2 2026

발화자 미상

Operator: Hello, and thank you for standing by. My name is Dennis, and I will be your conference operator today. At this time, I would like to welcome everyone to the UMB Financial Second Quarter 2026 Financial Results Conference Call. I would now like to turn the call over to Kay Gregory with Investor Relations. Please go ahead. Kay Gregory: Good morning, and welcome to our second quarter 2026 call. Mariner Kemper, Chairman and CEO; and Ram Shankar, CFO, will share a few comments about our results, and then we'll open the call for questions from equity research analysts. Jim Rine, President of the holding company and CEO of UMB Bank, along with Tom Terry, Chief Credit Officer, will be available for the question-and-answer session. Before we begin, let me remind you that today's presentation contains forward-looking statements, including the discussion of future financial and operating results as well as other opportunities management foresees. Forward-looking statements and any pro forma metrics are subject to assumptions, risks and uncertainties as outlined in our SEC filings and summarized in our presentation on Slide 48. Actual results may differ from those set forth in forward-looking statements, which speak only as of today. We undertake no obligation to update them, except to the extent required by securities laws. Presentation materials are available online at investorrelations.umb.com and include reconciliations of non-GAAP financial measures. All per share metrics refer to common shares and are on a diluted share basis. Now I'll turn the call over to Mariner Kemper. J. Kemper: Thank you, Kay, and good morning, everyone. Yesterday afternoon, we reported second quarter net income of $271.8 million, resulting in earnings per share of $3.56. Our strong results generated an operating return on tangible common equity of 20.3% and an operating efficiency ratio of 48.1%. A few highlights from the quarter include a 12.6% linked-quarter annualized growth in average loan balances, bolstered by a record $2.6 billion in gross production, continued high-quality credit metrics with net charge-offs of just 16 basis points of average loans. Nonperforming loans were 31 basis points, an improvement from 38 basis points in the first quarter, 4 basis points of core margin expansion through disciplined pricing on both sides of the balance sheet and ongoing momentum in our fee businesses. Our private investment activity continued to deliver with $27.1 million in net gains from our holdings, primarily related to our investment in Beacon Communications and SpaceX Technologies. Total fee income from our varied institutional banking businesses increased 6% on a linked-quarter basis and 19.6% from the second quarter in 2025, led by asset servicing and corporate trust. Each of those businesses saw a more than 20% year-over-year increase in fee income. In Fund Services, assets under administration increased nearly $57 billion from the prior quarter and stand at …

UMBF 리더십 팀

임원 11명

이름	직함	보수	성별	출생 연도	상태
J. Mariner Kemper	Chairman & Chief Executive Officer	USD 4,850,817	Male	1973	Active
James D. Rine	President & Vice Chairman	USD 2,780,808	Male	1971	Active
Ram Shankar	Executive Vice President & Chief Financial Officer	USD 1,684,278	Male	1973	Active
Shannon Andresen Johnson	Executive VP, Chief Administrative Officer & Chief Risk Officer	USD 1,682,101	Female	1980	Active
Uma Wilson	Executive VP and Chief Information, Bank Product & Operations Officer	USD 1,475,661	Female	1979	Active
Thomas S. Terry	Executive Vice President & Chief Credit Officer	USD 1,077,437	Male	1964	Active
Nikki Farentino Newton	President of Private Wealth Management - UMB Bank, National Association	USD 847,583	Male	1972	Active
John R. Russ	President of Commercial Services	—	Male	—	Active
James A. Sangster	Executive Vice President	—	Male	1955	Active
Brian Nelson Kaufman	Managing Director of Prairie Capital Management	—	Male	—	Active
David Carl Odgers	Senior Vice President, Chief Accounting Officer & Controller	—	Male	1970	Active

UMBF 최근 뉴스

Fool - Investing News4일 전Neutral

Shankar Ram Liquidates 2,000 UMB Financial Shares

Despite the 6% reduction in direct holdings, the insider maintains 30,389 shares directly.

247 Wallst2026. 8. 28.Neutral

Here Are Friday’s Top Wall Street Analyst Research Calls: Baozun, Commerce Bancshares, Element Solutions, Evolution Petroleum, Petrobras, Rythm Pharmaceuticals, Terawulf, UMB Financial, Workday, and More

NVIDIA's blockbuster earnings sent shockwaves through tech on Thursday, but Wall Street analysts were busy reshaping the landscape elsewhere, issuing a flurry of upgrades, downgrades, and fresh initiations across energy, crypto infrastructure, banking, and biotech.

247 Wallst2026. 8. 28.Neutral

5 Safe Dividend Stocks Retirees Can Rely On

A dividend cut can devastate a retirement portfolio overnight, and most income stocks carry more risk than retirees realize. These five picks cleared a strict screen for uninterrupted payments and durable business models that hold up when markets get ugly.

Zacks Investment Research2026. 8. 27.Neutral

UMB (UMBF) Down 3.3% Since Last Earnings Report: Can It Rebound?

UMB (UMBF) reported earnings 30 days ago. What's next for the stock?

Zacks Investment Research2026. 8. 26.Neutral

Is the Options Market Predicting a Spike in UMB Financial Stock?

Investors need to pay close attention to (Ticker) stock based on the movements in the options market lately.

UMBF 직원 수 추이

현재

5,222

변동

+41.21%

최소

3,529

최대

5,222

최근 공시

보고일	직원	양식 유형	공시일	SEC 공시
2025년 12월 31일	5,222	10-K	2026년 2월 26일	보기
2024년 12월 31일	3,698	10-K	2025년 2월 27일	보기
2023년 12월 31일	3,599	10-K	2024년 2월 22일	보기
2022년 12월 31일	3,770	10-K	2023년 2월 23일	보기
2021년 12월 31일	3,529	10-K	2022년 2월 24일	보기

UMB Financial Corporation

연락처 정보

예정

배당락일

Q3 FY2026 · 실적 전망

배당 지급일

Q4 FY2026 · 실적 전망

최근 이력

Q2 FY2026 · 실적 발표 완료

Q1 FY2026 · 실적 발표 완료

FY2025 · 연간 실적 발표

Q3 FY2025 · 실적 발표 완료

Q2 FY2025 · 실적 발표 완료

Q1 FY2025 · 실적 발표 완료

Shankar Ram Liquidates 2,000 UMB Financial Shares

Here Are Friday’s Top Wall Street Analyst Research Calls: Baozun, Commerce Bancshares, Element Solutions, Evolution Petroleum, Petrobras, Rythm Pharmaceuticals, Terawulf, UMB Financial, Workday, and More

5 Safe Dividend Stocks Retirees Can Rely On

UMB (UMBF) Down 3.3% Since Last Earnings Report: Can It Rebound?

Is the Options Market Predicting a Spike in UMB Financial Stock?

최근 공시

관련 종목Banks - Regional

예정

배당락일

Q3 FY2026 · 실적 전망

배당 지급일

Q4 FY2026 · 실적 전망

최근 이력

Q2 FY2026 · 실적 발표 완료

Q1 FY2026 · 실적 발표 완료

FY2025 · 연간 실적 발표

Q3 FY2025 · 실적 발표 완료

Q2 FY2025 · 실적 발표 완료

Q1 FY2025 · 실적 발표 완료

Shankar Ram Liquidates 2,000 UMB Financial Shares

Here Are Friday’s Top Wall Street Analyst Research Calls: Baozun, Commerce Bancshares, Element Solutions, Evolution Petroleum, Petrobras, Rythm Pharmaceuticals, Terawulf, UMB Financial, Workday, and More

5 Safe Dividend Stocks Retirees Can Rely On

UMB (UMBF) Down 3.3% Since Last Earnings Report: Can It Rebound?

Is the Options Market Predicting a Spike in UMB Financial Stock?

최근 공시