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UMB Financial Corp.
$120.23
4:00 PM ET
Open
$120.34
High
$120.84
Low
$119.07
Volume
672.3K
Market Cap
9.1B
Sector
Banks
Revenue (TTM)
$3.4B
Net Income
$702.4M
EPS (Diluted)
$6.53
Latest Quarter
P/E Ratio
13.0
P/S Ratio
2.72
P/B Ratio
1.19
ROE
9.1%
Profit Margin
20.9%
Debt/Equity
0.06
| Period | Revenue | Rev QoQ | Net Income | EPS | EPS YoY |
|---|---|---|---|---|---|
| Q3 2025 | $2.5B | +55.3% | $487M | $6.53 | -0.5% |
| Q2 2025 | $1.6B | +115.3% | $298.7M | $4.16 | -3.7% |
| Q1 2025 | $738M | — | $81.3M | $1.21 | -46.2% |
| Q1 2025 | — | — | — | — | — |
| Q3 2024 | $1.6B | +52.7% | $321.2M | $6.56 | — |
| Q2 2024 | $1.1B | +103.5% | $211.6M | $4.32 | — |
| Q1 2024 | $520.1M | — | $110.3M | $2.25 | — |
| Q1 2024 | — | — | — | — | — |
Net Interest Margin
2.55%
Sector avg: 7.24%
Efficiency Ratio
61.19%
Sector avg: 59.17%
CET1 Ratio
—
Return on Equity
9.13%
Sector avg: 23.70%
Return on Assets
0.96%
Sector avg: 2.62%
NPL Ratio
—
Sector avg: 0.62%
Loan/Deposit Ratio
—
Sector avg: 77.09%
Net Charge-Off Rate
—
Sector avg: 0.86%
Net Interest Income
$1.9B
Provision for Losses
$154.5M
Previous Close
$120.06
Day Range
$119.10 — $122.25
52W High
$136.11
52W Low
$82.00
Market Cap
9.1B
Avg Volume
550.7K
Exchange
XNAS
Industry
Regional Banks
| Item | 2025 | 2024 | 2023 | 2022 | 2021 |
|---|---|---|---|---|---|
| Revenue | $3.4B | $2.2B | $1.8B | $1.1B | $861.5M |
| Net Income | $702.4M | $441.2M | $350M | $431.7M | $353M |
| EPS (Basic) | $9.35 | $9.05 | $7.22 | $8.93 | $7.31 |
| Item | 2025 | 2024 | 2023 | 2022 | 2021 |
|---|---|---|---|---|---|
| Total Assets | $73.1B | $50.4B | $44B | $38.5B | $42.7B |
| Total Liabilities | $65.4B | $46.9B | $40.9B | $35.8B | $39.5B |
| Stockholders' Equity | $7.7B | $3.5B | $3.1B | $2.7B | $3.1B |
| Ratio | 2025 | 2024 | 2023 | 2022 |
|---|---|---|---|---|
| P/E Ratio | 13.0 | 13.4 | 16.8 | 13.6 |
| P/S Ratio | 2.72 | 4.20 | 4.96 | 8.02 |
| P/B Ratio | 1.19 | 2.63 | 2.94 | 3.42 |
| ROE | 9.1% | 12.7% | 11.3% | 16.2% |
| ROA | 1.0% |
| Date | Open | High | Low | Close | Chg% |
|---|---|---|---|---|---|
| 2026-04-09 | $119.12 | $122.26 | $119.10 | $120.81 | +0.62% |
| 2026-04-08 | $120.43 | $121.92 | $119.56 | $120.06 | +3.27% |
| 2026-04-07 | $115.46 | $116.80 | $113.55 | $116.26 | +1.06% |
| 2026-04-06 | $114.34 | $115.74 | $113.79 | $115.04 | +0.00% |
| 2026-04-02 | $112.64 | $115.44 | $111.92 | $115.04 | +0.34% |
| 2026-04-01 | $113.56 | $116.04 | $113.21 | $114.65 | +1.65% |
| 2026-03-31 | $111.66 | $113.43 | $110.63 | $112.79 | +2.56% |
| 2026-03-30 | $110.37 | $110.71 | $109.10 | $109.98 | -1.45% |
| 2026-03-26 | $111.52 | $114.12 | $111.18 | $111.60 | -0.99% |
| 2026-03-25 | $112.66 | $113.51 | $111.49 | $112.72 | +0.96% |
| Type | Ex-Date | Value |
|---|---|---|
| dividend | Mar 10, 2026 | $0.4300 |
| dividend | Dec 10, 2025 | $0.4300 |
| dividend | Sep 10, 2025 | $0.4000 |
| dividend | Jun 10, 2025 | $0.4000 |
| dividend |
Total Loans
—
Total Deposits
$60.7B
Tangible Book Value
$7.7B
TBV per Share
$101.28
Allowance for Losses
$421.2M
Noninterest Expense
$1.6B
| Period | NIM | Eff. Ratio | ROE | ROA | NPL% | NCO% |
|---|---|---|---|---|---|---|
| 2025-12-31 | 2.55% | 61.19% | 9.13% | 0.96% | — | — |
| 2025-09-30 | 7.46% | 61.99% | 26.17% | 2.71% | — | — |
| 2025-06-30 | 4.82% | 62.09% | 16.40% | 1.67% | — | — |
| 2025-03-31 | 2.29% | 68.24% | 4.82% | 0.47% | — | — |
| 2024-12-31 | 1.99% | 63.03% | 12.73% | 0.88% | — | — |
| 2024-12-31 | — | — | — | — | — | — |
| 2024-09-30 | 6.16% | 63.30% | 36.35% | 2.71% | — | — |
| 2024-06-30 | 4.36% | 63.89% | 26.23% | 1.90% | — | — |
| 2024-03-31 | 2.11% | 63.91% | 13.99% | 0.97% | 0.08% | 0.09% |
| 2023-12-31 | 2.09% | 68.34% | 11.29% | 0.80% | 0.06% | 0.08% |
| 2023-12-31 | — | — | — | — | 0.06% | — |
| 2023-09-30 | 6.65% | 64.99% | 39.78% | 2.69% | 0.08% | 0.24% |
| EPS (Diluted) |
| $9.29 |
| $8.99 |
| $7.18 |
| $8.86 |
| $7.24 |
| Cash & Equivalents | $7.8B | $8.4B | $5.5B | $1.6B | $9.2B |
| Total Debt | $474.2M | $385.3M | $383.2M | $381.3M | $271.5M |
| 0.9% |
| 0.8% |
| 1.1% |
| Profit Margin | 20.9% | 20.3% | 19.0% | 37.9% |
| Debt / Equity | 0.06 | 0.11 | 0.12 | 0.14 |
| Jun 9, 2025 |
| $0.4000 |
| dividend | Mar 10, 2025 | $0.4000 |
| dividend | Dec 10, 2024 | $0.4000 |
| dividend | Sep 10, 2024 | $0.3900 |
| dividend | Jun 10, 2024 | $0.3900 |
| dividend | Mar 8, 2024 | $0.3900 |
| dividend | Dec 8, 2023 | $0.3900 |
| dividend | Sep 8, 2023 | $0.3800 |
| dividend | Jun 9, 2023 | $0.3800 |
| dividend | Mar 9, 2023 | $0.3800 |
| dividend | Dec 9, 2022 | $0.3800 |
| dividend | Sep 9, 2022 | $0.3700 |
| dividend | Jun 9, 2022 | $0.3700 |
| dividend | Mar 9, 2022 | $0.3700 |
| dividend | Dec 9, 2021 | $0.3700 |
| dividend | Sep 9, 2021 | $0.3700 |
| dividend | Jun 9, 2021 | $0.3200 |
| dividend | Mar 9, 2021 | $0.3200 |
| dividend | Dec 9, 2020 | $0.3200 |
| dividend | Sep 9, 2020 | $0.3100 |
| dividend | Jun 9, 2020 | $0.3100 |
| dividend | Mar 9, 2020 | $0.3100 |
| dividend | Dec 9, 2019 | $0.3100 |
| dividend | Sep 9, 2019 | $0.3000 |
| dividend | Jun 7, 2019 | $0.3000 |
| dividend | Mar 8, 2019 | $0.3000 |
| dividend | Dec 7, 2018 | $0.3000 |
| dividend | Sep 7, 2018 | $0.2900 |
| dividend | Jun 8, 2018 | $0.2900 |
| dividend | Mar 8, 2018 | $0.2900 |
| dividend | Dec 7, 2017 | $0.2800 |
| dividend | Sep 7, 2017 | $0.2600 |
| dividend | Jun 7, 2017 | $0.2600 |
| dividend | Mar 8, 2017 | $0.2600 |
| dividend | Dec 7, 2016 | $0.2600 |
| dividend | Sep 7, 2016 | $0.2500 |
| dividend | Jun 8, 2016 | $0.2500 |
| dividend | Mar 8, 2016 | $0.2500 |
| dividend | Dec 8, 2015 | $0.2500 |
| dividend | Sep 8, 2015 | $0.2400 |
| dividend | Jun 8, 2015 | $0.2400 |
| dividend | Mar 6, 2015 | $0.2400 |
| dividend | Dec 8, 2014 | $0.2400 |
| dividend | Sep 8, 2014 | $0.2300 |
| dividend | Jun 6, 2014 | $0.2300 |
| dividend | Mar 6, 2014 | $0.2300 |
| dividend | Dec 6, 2013 | $0.2300 |
| dividend | Sep 6, 2013 | $0.2200 |
| dividend | Jun 5, 2013 | $0.2200 |
| dividend | Mar 6, 2013 | $0.2200 |
| dividend | Dec 6, 2012 | $0.2200 |
| dividend | Sep 6, 2012 | $0.2100 |
| dividend | Jun 6, 2012 | $0.2100 |
| dividend | Mar 7, 2012 | $0.2100 |
| dividend | Dec 7, 2011 | $0.2100 |
| dividend | Sep 7, 2011 | $0.2000 |
| dividend | Jun 8, 2011 | $0.2000 |
| dividend | Mar 9, 2011 | $0.2000 |
| dividend | Dec 8, 2010 | $0.2000 |
| dividend | Sep 8, 2010 | $0.1900 |
| dividend | Jun 9, 2010 | $0.1900 |
| dividend | Mar 9, 2010 | $0.1900 |
| dividend | Dec 9, 2009 | $0.1900 |
| dividend | Sep 8, 2009 | $0.1800 |
| dividend | Jun 9, 2009 | $0.1800 |
| dividend | Mar 9, 2009 | $0.1800 |
| dividend | Dec 9, 2008 | $0.1800 |
| dividend | Sep 29, 2008 | $0.1700 |
| dividend | Sep 8, 2008 | $0.1700 |
| dividend | Jun 9, 2008 | $0.1700 |
| dividend | Mar 7, 2008 | $0.1500 |
| dividend | Dec 7, 2007 | $0.1500 |
| dividend | Sep 10, 2007 | $0.1400 |
| dividend | Jun 7, 2007 | $0.1400 |
| dividend | Mar 8, 2007 | $0.1400 |
| dividend | Dec 8, 2006 | $0.1300 |
| dividend | Sep 7, 2006 | $0.1300 |
| dividend | Jun 8, 2006 | $0.1300 |
| split | May 31, 2006 | 2:1 |
| dividend | Mar 9, 2006 | $0.1250 |
| dividend | Dec 9, 2005 | $0.1250 |
| dividend | Sep 8, 2005 | $0.1100 |
| dividend | Jun 8, 2005 | $0.1100 |
| dividend | Mar 9, 2005 | $0.1100 |
| dividend | Dec 9, 2004 | $0.1100 |
| dividend | Sep 9, 2004 | $0.1050 |
| dividend | Jun 8, 2004 | $0.1050 |
| dividend | Mar 9, 2004 | $0.1050 |
| dividend | Dec 10, 2003 | $0.1050 |
| dividend | Sep 10, 2003 | $0.1000 |
| dividend | Jun 6, 2003 | $0.1000 |
| dividend | Mar 7, 2003 | $0.1000 |
| dividend | Dec 10, 2002 | $0.1000 |
| dividend | Sep 11, 2002 | $0.1000 |
| dividend | Jun 6, 2002 | $0.1000 |
| dividend | Mar 7, 2002 | $0.1000 |
| split | Dec 10, 2001 | 1.05:1 |
| dividend | Dec 10, 2001 | $0.1000 |
| split | Dec 7, 2001 | 1.053:1 |
| split | Dec 9, 1999 | 1.1:1 |
| split | Dec 9, 1997 | 1.05:1 |
| split | Dec 9, 1996 | 1.05:1 |
| split | Jan 5, 1987 | 1.5:1 |