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UMBFUMB Financial Corporation
$146.00$11.1B
Overview & Verdict
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UMBF logoUMB Financial Corporation(UMBF)Earnings, Financials & Key Ratios

UMBF•NASDAQ•Banking & Credit
$146.00
16.0× P/E·Price updated Jul 7, 2026
SectorFinancial ServicesIndustryRegional BanksSub-IndustryBanks with large fee businesses
AboutUMB 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.Show more
  • Net Interest Income$2.57B+157.0%
  • Total Revenue$4.44B+68.5%
  • Net Income$702M+59.2%
  • Return on Equity12.59%-6.3%
  • Net Interest Margin3.52%+77.2%
  • Efficiency Ratio34.15%+4.2%
  • ROA1.14%+21.7%
  • Equity / Assets10.53%+53.1%
  • Book Value per Share100.60+42.4%

UMBF Price & Volume

UMB Financial Corporation (UMBF) stock price & volume — 10-year historical chart

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Inorganic Expansion Drives UMBF Asset Scale Growth

Investment Thesis • Updated 2026Q1

VerdictNeutral: While the bank shows strong earnings capacity with $261.4 million in 2026Q1 net income
Growth:Accelerating
Profitability:Moderate
Financial:Healthy
Cash Flow:Mixed
Primary Risk:M&A integration and margin compression

Key Thesis Takeaways

  • UMB Financial is currently navigating a transformative period defined by the Heartland Financial acquisition, which has expanded total assets to $72.7 billion as of 2026Q1.
  • While the bank demonstrates robust capital generation with $261.4 million in 2026Q1 net income, investors should monitor the integration-related efficiency ratio volatility, which reached 47.0% in the most recent quarter.
  • The long-term outlook remains contingent on management's ability to stabilize net interest margins, currently compressed at 0.7%, while managing the credit risk profile of the newly acquired loan portfolio.

Verdict Logic

the current 1.44 price-to-book ratio and 47.0% efficiency ratio suggest that the market is still pricing in significant integration risks and margin compression.

UMBF Growth Metrics

UMB Financial Corporation (UMBF) revenue, earnings & EPS growth — 3, 5 & 10-year CAGR

Revenue CAGR

10 Years19.55%
5 Years27.96%
3 Years41.06%
TTM-

Profit CAGR

10 Years19.73%
5 Years19.64%
3 Years17.62%
TTM114.03%

EPS CAGR

10 Years14.11%
5 Years9.01%
3 Years1.01%
TTM41.76%

Return on Capital

10 Years11.61%
5 Years12.84%
3 Years12.29%
Last Year14.45%

UMBF Recent Earnings

UMB Financial Corporation (UMBF) EPS & revenue vs analyst estimates — last 4 quarters

Full history →
●Beat EPS 10/12 qtrs (83%)●Beat Revenue 3/12 qtrs (25%)
Q2 2026Latest
Apr 28, 2026
Metric
Actual
Est
EPS
$3.41+20.9%
$2.82
Rev
$739M+5.3%
$702M
Q1 2026
Jan 27, 2026
Metric
Actual
Est
EPS
$3.08+13.7%
$2.71
Rev
$721M+6.4%
$678M
Q4 2025
Oct 28, 2025
Metric
Actual
Est
EPS
$2.70+8.0%
$2.50
Rev
$1.1B+64.4%
$662M
Q3 2025
Jul 29, 2025
Metric
Actual
Est
EPS
$2.96+24.9%
$2.37
Rev
$633M-2.9%
$652M
QuarterDateEPS (Act vs Est)Revenue (Act vs Est)
Q2 2026LatestApr 28, 2026
$3.41vs $2.82+20.9%
$739Mvs $702M+5.3%
Q1 2026Jan 27, 2026
$3.08vs $2.71+13.7%
$721Mvs $678M+6.4%
Q4 2025Oct 28, 2025
$2.70vs $2.50+8.0%
$1.1Bvs $662M+64.4%
Q3 2025Jul 29, 2025
$2.96vs $2.37+24.9%
$633Mvs $652M-2.9%
Based on last 12 quarters of dataView full earnings history →

Latest UMBF News

Recent stock market news and headlines for UMB Financial Corporation (UMBF)

Zacks Investment Research·4 days ago
Why UMB Financial (UMBF) is a Top Momentum Stock for the Long-Term

Whether you're a value, growth, or momentum investor, finding strong stocks becomes easier with the Zacks Style Scores, a top feature of the Zacks Premium research service.

Zacks Investment Research·5 days ago
Here's Why UMB Financial (UMBF) is a Strong Value Stock

The Zacks Style Scores offers investors a way to easily find top-rated stocks based on their investing style. Here's why you should take advantage.

PRNewsWire·Jun 25, 2026
Corastone Brings Permissioned Blockchain Technology to UMB Fund Services' Alternative Investment Servicing

StepStone becomes the first UMB client to connect to Corastone's network, streamlining subscription and lifecycle operations, with recordkeeping support from Envision. NEW YORK, June 25, 2026 /PRNewswire/ -- Corastone, the hyperscaler for private-market investing, today announced a partnership with UMB Fund Services, Inc. (UMBFS), a subsidiary of UMB Financial Corporation (NASDAQ: UMBF), a national leader in registered and alternative investment fund administration services, to connect UMBFS to Corastone's private, permissioned distributed ledger technology (DLT) network.

Zacks Investment Research·Jun 23, 2026
UMBF's Arm Expands Fund Platform With iCapital Blockchain Network

UMB Financial's arm integrates iCapital's DLT into its fund services platform to streamline operations and improve efficiency in alternative investments.

Business Wire·Jun 22, 2026
iCapital® and UMB Expand Blockchain-Enabled Network for Alternative Investments Through Distributed Ledger Technology Integration

NEW YORK & KANSAS CITY, Mo.--(BUSINESS WIRE)--iCapital1, the global fintech company shaping the future of investing, today announced an integrated partnership with UMB Fund Services (UMBFS), a subsidiary of UMB Financial Corporation (NASDAQ: UMBF) and a national leader in registered and alternative investment fund administration services, to further expand the deployment of its distributed ledger technology (DLT) into the operating layer of fund administration. This collaboration extends iCapit.

Peers Comparison

Key metrics vs top competitors for UMB Financial Corporation (UMBF)

Full Screener →
CompanyPriceMarket CapP/E RatioRev Growth (1Y)Net MarginROEDiv Yield
UMBF logoUMBFUMB Financial CorporationCurrent
$146.01$11.12B15.9968.52%15.81%12.59%1.21%
WTFC logoWTFCWintrust Financial Corporation
$161.45$10.89B13.976.66%20.11%11.93%—
CBSH logoCBSHCommerce Bancshares, Inc.
$58.84$8.58B14.422.23%26.11%14.78%—
BOKF logoBOKFBOK Financial Corporation
$140.43$8.53B15.30-1.07%18.3%10.31%—
IBCP logoIBCPIndependent Bank Corporation
$35.76$736.88M10.94-0.3%22.54%14.15%—
FFIN logoFFINFirst Financial Bankshares, Inc.
$34.67$4.97B19.5911.71%31.14%14.2%—

Compare UMBF vs Peers

UMB Financial Corporation (UMBF) vs competitors — business, growth, and fundamentals comparison against the closest industry rivals.

Closest Rival

vs WTFC

Most directly comparable listed peer for UMBF.

Scale Benchmark

vs V

Larger-name benchmark to compare UMBF against a more recognizable public peer.

Peer Set

Compare Top 5

vs WTFC, CBSH, BOKF, IBCP

UMBF SEC Filings & Documents

UMB Financial Corporation (UMBF) SEC filings — annual & quarterly reports (10-K, 10-Q)

8-K Announcements

6
Material company update

Apr 30, 2026·SEC

Material company update

Apr 28, 2026·SEC

Material company update

Feb 10, 2026·SEC

10-K Annual Reports

2
FY 2026

Feb 26, 2026·SEC

FY 2025

Feb 27, 2025·SEC

10-Q Quarterly Reports

4
FY 2026

Apr 30, 2026·SEC

FY 2025

Oct 30, 2025·SEC

FY 2025

Jul 31, 2025·SEC

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UMBF Frequently Asked Questions

UMB Financial Corporation (UMBF) stock FAQ — growth, dividends, profitability & financials explained

Growth & Financials
How fast is UMB Financial Corporation growing?

UMB Financial Corporation (UMBF) grew revenue by 68.5% over the past year. This is strong growth.

Is UMBF profitable?

Yes, UMB Financial Corporation (UMBF) is profitable, generating $882.5M in net income for fiscal year 2025 (15.8% net margin).

Dividend & Returns
Does UMBF pay dividends?

Yes, UMB Financial Corporation (UMBF) pays a dividend with a yield of 1.21%. This makes it attractive for income-focused investors.

What is UMBF's return on equity?

UMB Financial Corporation (UMBF) has a return on equity (ROE) of 12.6%. This is reasonable for most industries.

Industry Metrics
What is UMB Financial Corporation's net interest margin?

UMB Financial Corporation (UMBF) has a net interest margin (NIM) of 3.5%. This indicates healthy earnings from lending activities.

What is UMB Financial Corporation's efficiency ratio?

UMB Financial Corporation (UMBF) has an efficiency ratio of 34.2%. This is excellent, indicating strong cost control.

What if you invested $1,000 in UMBF back in 1996?

Total return calculator · dividends reinvested · 30+ years of data

See returns →