UMBF — UMB Financial Corporation price, chart and key statistics

Price data

Price

$133.86

YTD price return

+16.36%

YTD total return

+17.60%

Market cap

10.2B2016-12 3.8B2026-11 10.2B+166.0% over the window

Enterprise value

4.6B

Shares outstanding

76M2016-09 49.6M2026-09 76M+53.2% over the window

52W low

$103.38

52W high

$153.32

From 52W high

-12.69%

From 52W low

+29.48%

52W range

61%$103–$153

Beta

0.77

Volume

Rel volume

0.80×

30D volume

623.8K

30D $ vol

83.1M

Insider trading

Insider net 1WNo open-market insider purchase or sale with a transaction date in the last 7 days, as filed on Form 4.

none

Insider net 1M2 insider-days of buying ($67K) and 1 of selling ($50K) in the last 30 days, by transaction date, open-market transactions only — awards, exercises, tax withholding and employee-plan purchases are not counted. A Form 4 is filed within two business days of the trade, so the newest days may not be in yet.

+$18K

Insider net 3M4 insider-days of buying ($203K) and 3 of selling ($1.2M) in the last 91 days, by transaction date, open-market transactions only — awards, exercises, tax withholding and employee-plan purchases are not counted. A Form 4 is filed within two business days of the trade, so the newest days may not be in yet.

−$1.0M

Insider net 1Y6 insider-days of buying ($250K) and 17 of selling ($9.3M) in the last 365 days, by transaction date, open-market transactions only — awards, exercises, tax withholding and employee-plan purchases are not counted. A Form 4 is filed within two business days of the trade, so the newest days may not be in yet.

−$9.1M

Form 4 transactions by trade date, as filed; latest on file 2026-11-02.

Fundamentals

Sales (ttm)

3B2016-09 895.2M2026-09 3B+236.3% over the window

Sales/share

$39.642016-09 $18.062026-09 $39.64+119.4% over the window

EPS (ttm)

$13.202016-09 $2.952026-09 $13.20+347.6% over the window

FCF (ttm)

1.1B2016-09 157.6M2026-09 1.1B+624.4% over the window

FCF/share

$15.032016-09 $3.182026-09 $15.03+372.7% over the window

Book value/share

$103.392016-09 $40.852026-09 $103.39+153.1% over the window

Net margin

34.30%2016-09 16.3%2026-09 34.3%+111.0% over the window

ROE

13.15%2016-09 7.2%2026-09 13.1%+82.9% over the window

ROA

1.42%2016-09 0.7%2026-09 1.4%+92.4% over the window

Debt / equity

0.04×2016-09 0.042026-09 0.04+13.9% over the window

Growth (CAGR, ttm) · 10Y

Sales

+27.28%2025-09-30 → 2026-09-302.4B → 3B (+27.3% total)+27.22%2023-09-30 → 2026-09-301.5B → 3B (+105.9% total)+16.95%2021-09-30 → 2026-09-301.4B → 3B (+118.7% total)+12.90%2016-09-30 → 2026-09-30895.2M → 3B (+236.3% total)

Net income

+70.14%2025-09-30 → 2026-09-30607M → 1B (+70.1% total)+39.62%2023-09-30 → 2026-09-30379.3M → 1B (+172.2% total)+19.10%2021-09-30 → 2026-09-30430.8M → 1B (+139.6% total)+21.65%2016-09-30 → 2026-09-30145.5M → 1B (+609.5% total)

FCF

+41.74%2025-09-30 → 2026-09-30805.7M → 1.1B (+41.7% total)+32.42%2023-09-30 → 2026-09-30491.6M → 1.1B (+132.3% total)+18.60%2021-09-30 → 2026-09-30486.6M → 1.1B (+134.6% total)+21.90%2016-09-30 → 2026-09-30157.6M → 1.1B (+624.4% total)

Shares

-0.00%2025-09-30 → 2026-09-3076M → 76M (-0.0% total)+16.10%2023-09-30 → 2026-09-3048.5M → 76M (+56.5% total)+9.45%2021-09-30 → 2026-09-3048.4M → 76M (+57.1% total)+4.36%2016-09-30 → 2026-09-3049.6M → 76M (+53.2% total)

Per-share growth (CAGR, ttm) · 10Y

EPS

+48.34%2025-09-30 → 2026-09-30$8.90 → $13.20 (+48.3% total)+19.27%2023-09-30 → 2026-09-30$7.78 → $13.20 (+69.7% total)+8.28%2021-09-30 → 2026-09-30$8.87 → $13.20 (+48.8% total)+16.17%2016-09-30 → 2026-09-30$2.95 → $13.20 (+347.6% total)

Sales/share

+27.29%2025-09-30 → 2026-09-30$31.14 → $39.64 (+27.3% total)+9.58%2023-09-30 → 2026-09-30$30.12 → $39.64 (+31.6% total)+6.85%2021-09-30 → 2026-09-30$28.46 → $39.64 (+39.3% total)+8.18%2016-09-30 → 2026-09-30$18.06 → $39.64 (+119.4% total)

FCF/share

+41.74%2025-09-30 → 2026-09-30$10.61 → $15.03 (+41.7% total)+14.06%2023-09-30 → 2026-09-30$10.13 → $15.03 (+48.4% total)+8.36%2021-09-30 → 2026-09-30$10.06 → $15.03 (+49.4% total)+16.81%2016-09-30 → 2026-09-30$3.18 → $15.03 (+372.7% total)

Book value/share

+5.50%2025-09-30 → 2026-09-30$98.01 → $103.39 (+5.5% total)+21.36%2023-09-30 → 2026-09-30$57.83 → $103.39 (+78.8% total)+9.94%2021-09-30 → 2026-09-30$64.37 → $103.39 (+60.6% total)+9.73%2016-09-30 → 2026-09-30$40.85 → $103.39 (+153.1% total)

Dividend/share

+11.88%2025-09-30 → 2026-09-30$1.60 → $1.79 (+11.9% total)+5.60%2023-09-30 → 2026-09-30$1.52 → $1.79 (+17.8% total)+6.12%2021-09-30 → 2026-09-30$1.33 → $1.79 (+34.6% total)+6.21%2016-09-30 → 2026-09-30$0.98 → $1.79 (+82.7% total)

Price

+22.79%2025-11-13 → 2026-11-13$109.03 → $133.86 (+22.8% total)Price appreciation from split-adjusted daily closes, excluding dividends; endpoints are exact trading-day anniversaries of the latest close.+26.07%2023-11-13 → 2026-11-13$66.79 → $133.86 (+100.4% total)Price appreciation from split-adjusted daily closes, excluding dividends; endpoints are exact trading-day anniversaries of the latest close.+4.87%2021-11-12 → 2026-11-13$105.52 → $133.86 (+26.9% total)Price appreciation from split-adjusted daily closes, excluding dividends; endpoints are exact trading-day anniversaries of the latest close.+6.37%2016-11-11 → 2026-11-13$72.18 → $133.86 (+85.5% total)Price appreciation from split-adjusted daily closes, excluding dividends; endpoints are exact trading-day anniversaries of the latest close.

Total return

+24.57%2025-11-13 → 2026-11-13$107.47 → $133.86 (+24.6% total)Total return with dividends reinvested (adjusted daily closes); endpoints are exact trading-day anniversaries of the latest close. The gap against the Price row is the dividend contribution.+28.07%2023-11-13 → 2026-11-13$63.72 → $133.86 (+110.1% total)Total return with dividends reinvested (adjusted daily closes); endpoints are exact trading-day anniversaries of the latest close. The gap against the Price row is the dividend contribution.+6.64%2021-11-12 → 2026-11-13$97.06 → $133.86 (+37.9% total)Total return with dividends reinvested (adjusted daily closes); endpoints are exact trading-day anniversaries of the latest close. The gap against the Price row is the dividend contribution.+8.17%2016-11-11 → 2026-11-13$61.02 → $133.86 (+119.4% total)Total return with dividends reinvested (adjusted daily closes); endpoints are exact trading-day anniversaries of the latest close. The gap against the Price row is the dividend contribution.

Fundamentals end at the last reported quarter; price and total return end at the latest close.

Valuation

P/E (ttm)Price ÷ TTM diluted EPS. Net income carries everything below the operating line, including one-off gains. Negative when the trailing year lost money.

10.1×2016-12 26.272026-11 9.85-62.5% over the window

Fwd P/E

9.5×

P/S (ttm)Market cap ÷ TTM revenue.

3.4×2016-12 4.272026-11 3.38-20.9% over the window

P/B (mrq)Market cap ÷ stockholders' equity at the most recent quarter end.

1.3×2016-12 1.892026-11 1.29-31.4% over the window

P/FCF (ttm)Market cap ÷ TTM free cash flow (operating cash flow − capex).

8.9×2016-12 24.252026-11 8.90-63.3% over the window

EV/Sales (ttm)

1.5×

FCF yield (ttm)TTM free cash flow ÷ market cap — the inverse of P/FCF.

11.23%2016-09 4.1%2026-09 11.6%+180.4% over the window

Dividend yield (fwd)Indicated annual dividend ÷ last close: the last regular payment × payments a year, from our own dividend record. Shown only for a company that pays the same amount each time (raises and cuts allowed), whose payments are on schedule and agree with the dividends it reports paying; a company whose payments vary in size, such as an unequal interim and final, has no forward figure — see the ttm yield.Div yieldIndicated annual dividend ÷ last close: the last regular payment × payments a year, from our own dividend record. Shown only for a company that pays the same amount each time (raises and cuts allowed), whose payments are on schedule and agree with the dividends it reports paying; a company whose payments vary in size, such as an unequal interim and final, has no forward figure — see the ttm yield.

1.49%

Dividend yield (ttm)Dividends paid over the last year ÷ last close: the last full cycle of regular payments in our own dividend record. Below the forward yield after a raise, above it after a cut. Shown only when the record holds that full cycle and it agrees with the dividends the company reports paying; otherwise —.

1.34%

Dividend/share (fwd)The indicated annual dividend: the last regular payment × payments a year, for a company that pays the same amount each time.

$2.00

Buyback yield (realized, 1y)1 − shares_at(2026-09-30) ÷ shares_at(2025-09-30) = 1 − 76.0M ÷ 76.0M. Point-in-time share counts from the company's own SEC filings (the same count at both ends), published only when the cash flow statement shows repurchases inside that window. A falling price can't inflate it; negative means net dilution.

0.00%

Shareholder yield (realized, 1y)Buyback leg + dividend leg: shares retired over the year (0.00%) + dividends paid over that year ($162.5M) ÷ market_cap_at(2025-09-30) ($9B). Both legs are measured against the start of the window, so a payout can't shrink its own denominator.

1.81%

Buyback yield (cash, ttm)Buybacks net of issuance over the trailing twelve months ($38M) ÷ today's market cap ($10.2B). Dollars SPENT over what the company is worth NOW — a stock that fell after buying reads high.

0.37%2016-09 0.4%2026-09 0.4%-10.8% over the window

Shareholder yield (cash, ttm)(TTM buybacks net of issuance $38M + TTM dividends $162.5M) ÷ today's market cap ($10.2B). Same caveat as the cash buyback yield.

1.97%2016-09 1.7%2026-09 2.0%+19.9% over the window

Vs own 10Y history

P/E

11th

P/S

54th

P/B

39th

P/FCF

24th