UMB Financial Corporation

UMBF

$144.08

+0.45%

2026-09-04 12:02:20 EDT+$0.64

Financial Services

Banks - Regional

NASDAQ

Active Trading

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

Financial Highlights of UMBF

Profitability trend

Latest / TTM · 6 periods

Gross Margin

58.5%

Net Margin

20.7%

P/E Ratio

11.87x

n/a

Debt / Equity

0.44

n/a

Current Ratio

0.25

Dividend Yield

1.2%

Understanding

TTM —

Current ratio below 1.0

Financial highlights

Latest / TTM · 6 periods

Snapshot

Latest / TTM: 2026-09-04

Gross Margin

58.5%

Net Margin

20.7%

P/E Ratio

11.87x

Debt / Equity

0.44

Profitability

Profitability table

Metric	2021	2022	2023	2024	2025	2026
Gross MarginGross profit as a percentage of revenue.	94.7%	83.5%	57.2%	53.3%	54.4%	—
Operating MarginOperating income as a percentage of revenue.	34.5%	33.6%	18.8%	20.5%	20.3%	—
Net MarginNet income as a percentage of revenue.	28.4%	27.3%	15.6%	16.7%	15.8%	—
EBITDA MarginEBITDA divided by revenue.	39.0%	37.0%	21.4%	22.5%	23.9%	—
Pre-tax MarginPre-tax profit as a percentage of revenue.	34.5%	33.6%	18.8%	20.5%	19.7%	—

Liquidity & leverage

Liquidity & leverage table

Metric	2021	2022	2023	2024	2025	2026
Current RatioCurrent assets divided by current liabilities.	0.55	0.26	0.34	0.36	0.01	—
Quick RatioLiquid assets divided by current liabilities.	0.55	0.26	0.34	0.36	0.01	—
Cash RatioCash and equivalents divided by current liabilities.	0.24	0.05	0.14	0.19	0.01	—
Debt / AssetsDebt as a share of total assets.	8.2%	6.8%	8.0%	5.9%	5.2%	—
Debt / EquityDebt compared with shareholder equity.	1.12	0.98	1.13	0.86	0.49	—

Operating efficiency

Operating efficiency table

Metric	2021	2022	2023	2024	2025	2026
Receivables TurnoverHow often receivables are collected in a year.	3.02x	3.21x	4.32x	6.20x	0.00x	—
Inventory TurnoverHow often inventory is sold in a year.	0.00x	0.00x	0.00x	0.00x	0.00x	—
Payables TurnoverHow often payables are paid in a year.	0.00x	0.00x	0.00x	0.00x	0.00x	—
Asset TurnoverRevenue generated per dollar of assets.	0.03x	0.04x	0.05x	0.05x	0.06x	—
Working Capital TurnoverRevenue generated per dollar of working capital.	-0.07x	-0.07x	-0.09x	-0.10x	-0.10x	—

Valuation ratios

Valuation ratios table

Metric	2021	2022	2023	2024	2025	2026
P/E RatioPrice paid for each dollar of earnings.	14.52x	9.35x	11.57x	12.47x	12.50x	—
P/B RatioPrice paid for each dollar of book value.	1.63x	1.51x	1.31x	1.59x	1.14x	—
P/S RatioPrice paid for each dollar of sales.	4.12x	2.55x	1.81x	2.09x	1.97x	—
P/FCF RatioPrice paid for each dollar of free cash flow.	10.24x	5.62x	9.09x	27.36x	8.93x	—
Dividend YieldAnnual dividend divided by current share price.	1.3%	1.8%	1.8%	1.4%	1.6%	—

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