Stock Fundamentals

Company Information

Company Name
UMB Financial Corporation
Sector
Financial Services
Industry
Banks - Regional
Exchange
NASDAQ
ISIN: US9027881088
CIK: 0000101382
CUSIP: 902788108
Currency: USD
Full Time Employees: 5,222
Phone: 816 860 7000
Fiscal Year End: December
IPO Date: Mar 27, 1990
Description:

UMB Financial Corporation operates as a bank holding company that provides banking services and asset servicing in the United States and internationally. The company operates through three segments: Commercial Banking, Institutional Banking, and Personal Banking. The Commercial Banking segment provides commercial loans and credit cards; commercial real estate financing; letters of credit; loan syndication, and consultative services; various business solutions including asset-based lending, 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 banking, fund, asset management, and healthcare services to institutional clients; fund administration and accounting, investor services and transfer agency, alternative investment services, fixed income sales, trading and underwriting, and corporate trust and escrow services, as well as institutional custody services. This segment also provides healthcare payment solutions, including custodial service for health saving accounts and private label, multipurpose debit cards to insurance carriers, third-party administrators, 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, as well as internet banking, ATM network, private banking, brokerage and insurance service, and investment advisory, trust, and custody services. It operates through a network of branches and offices. The company was founded in 1913 and is headquartered in Kansas City, Missouri.

Address:

1010 Grand Boulevard, Kansas City, MO, United States, 64106

Directors & Officers

Name Title Year Born
Mr. J. Mariner Kemper Chairman & CEO 1973
Mr. James D. Rine President & Vice Chairman 1971
Mr. Ram Shankar Executive VP & CFO 1973
Ms. Uma Wilson AAP, CTP Executive VP and Chief Information, Bank Product & Operations Officer 1979
Ms. Shannon Andresen Johnson P.H.R. Executive VP, Chief Administrative Officer & Chief Risk Officer 1980
Mr. David Carl Odgers Senior VP, Chief Accounting Officer & Controller 1970
Mr. James A. Sangster Executive Vice President 1955
Mr. Brian Nelson Kaufman Managing Director of Prairie Capital Management NA
Mr. Thomas S. Terry Executive VP & Chief Credit Officer 1964
Mr. Nikki Farentino Newton President of Private Wealth Management - UMB Bank, National Association 1972

Insider Trading

Date Insider Name Title Transaction Type Shares Price Value
Feb 03, 2026 Kevin Charles Gallagher N/A Sale 388.00 $129.30 $50.17K
Feb 02, 2026 Greg M Graves N/A Purchase 220.00 $127.83 $28.12K
Feb 02, 2026 J Mariner Kemper N/A Sale 3.50K $129.06 $451.71K
Feb 02, 2026 J Mariner Kemper N/A Sale 15.21K $128.59 $1.96M
Feb 02, 2026 Tamara Peterman N/A Purchase 154.00 $127.83 $19.69K
Dec 08, 2025 J Mariner Kemper N/A Sale 15.37K $114.58 $1.76M
Nov 10, 2025 Kevin Charles Gallagher N/A Sale 460.00 $110.71 $50.93K
Nov 04, 2025 Nikki Farentino Newton N/A Sale 1.30K $106.09 $137.92K
Nov 03, 2025 Greg M Graves N/A Purchase 264.00 $106.41 $28.09K
Nov 03, 2025 Tamara Peterman N/A Purchase 185.00 $106.41 $19.69K
Sep 03, 2025 Shannon Andresen Johnson N/A Sale 1.37K $120.58 $164.83K
Sep 02, 2025 Greg M Graves N/A Purchase 234.00 $120.44 $28.18K
Aug 27, 2025 Amy Harris N/A Sale 500.00 $122.02 $61.01K
Aug 25, 2025 Phillip James Mason N/A Sale 750.00 $120.97 $90.73K
Aug 22, 2025 Stacy H King N/A Sale 1.50K $118.88 $178.32K
Aug 13, 2025 J Mariner Kemper N/A Sale 15.52K $116.33 $1.81M
Aug 13, 2025 Robert Brian Beaird N/A Sale 1.21K $116.17 $139.98K
Aug 01, 2025 Greg M Graves N/A Purchase 261.00 $107.58 $28.08K
Aug 01, 2025 Tamara Peterman N/A Purchase 183.00 $107.58 $19.69K
Jun 02, 2025 J Mariner Kemper N/A Sale 5.41K $101.81 $551.00K

Institutional Holders

Holder Name Shares Date Reported % Out Value % Change
BlackRock Inc 9.34M Mar 31, 2026 12.30% $0.02 2.50%
Vanguard Group Inc 7.68M Dec 31, 2025 10.11% $0.01 -1.08%
UMB Bank NA 4.72M Mar 31, 2026 6.22% $7.44 -1.79%
Vanguard Portfolio Management, LLC 4.14M Mar 31, 2026 5.44% $0.02 0.00%
State Street Corp 3.98M Mar 31, 2026 5.24% $0.02 -4.80%
Vanguard Capital Management, LLC 3.10M Mar 31, 2026 4.08% $0.01 0.00%
Dimensional Fund Advisors, Inc. 2.91M Mar 31, 2026 3.83% $0.07 1.93%
Wellington Management Company LLP 2.71M Mar 31, 2026 3.56% $0.06 4.49%
FMR Inc 2.42M Mar 31, 2026 3.19% $0.01 -8.08%
Geode Capital Management, LLC 1.95M Mar 31, 2026 2.56% $0.01 2.07%
Neuberger Berman Group LLC 1.70M Mar 31, 2026 2.24% $0.15 -2.54%
Allspring Global Investments Holdings, LLC 1.36M Mar 31, 2026 1.79% $0.26 -17.75%
American Century Companies Inc 1.35M Mar 31, 2026 1.77% $0.08 -10.94%
Earnest Partners LLC 1.28M Mar 31, 2026 1.68% $0.59 -2.20%
AllianceBernstein L.P. 1.22M Mar 31, 2026 1.61% $0.05 -15.45%
Citadel Advisors Llc 1.07M Mar 31, 2026 1.41% $0.02 -13.90%
Morgan Stanley - Brokerage Accounts 1.01M Mar 31, 2026 1.33% $0.01 23.34%
Victory Capital Management Inc. 979.05K Mar 31, 2026 1.29% $0.07 -11.24%
Charles Schwab Investment Management Inc 966.74K Mar 31, 2026 1.27% $0.02 0.62%
First Trust Advisors L.P. 899.40K Mar 31, 2026 1.18% $0.07 11.97%

Shares Statistics

Shares Outstanding: 75.98M
Shares Float: 72.26M
% Insiders: 530.60%
% Institutions: 9,477.60%
Short % Float: 5.44%

Fund Holdings

Rank Holder Name Shares Held % of Shares Change Date Reported
1 iShares Core S&P Mid-Cap ETF 2.42M 3.19% ▲ 0.02% May 29, 2026
2 Vanguard Total Stock Mkt Idx Inv 2.17M 2.86% ▲ 0.21% Apr 30, 2026
3 iShares Russell 2000 ETF 1.74M 2.28% ▲ 0.93% May 29, 2026
4 Vanguard Small Cap Index 1.58M 2.08% ▼ 0.19% Apr 30, 2026
5 Vanguard Explorer Inv 1.19M 1.56% ▼ 2.58% Mar 31, 2026
6 Vanguard Small Cap Value Index Inv 1.01M 1.33% ▲ 0.72% Apr 30, 2026
7 Neuberger Genesis Inv 968.03K 1.27% ▼ 5.49% Mar 31, 2026
8 Vanguard Institutional Extnd Mkt Idx Tr 806.27K 1.06% ▲ 1.04% Apr 30, 2026
9 First Trust SMID Cp Rising Div Achv ETF 784.36K 1.03% ▼ 0.25% May 31, 2026
10 Allspring Special Small Cap Value A 722.70K 0.95% ▼ 10.79% May 31, 2026

Valuation Metrics

Enterprise Value: $12.07B
Trailing P/E: 11.84
Forward P/E: 10.98

Financial Highlights

Market Cap: $10.29B
P/E Ratio: $11.84
PEG Ratio: $2.54
Book Value: $97.41
Dividend/Share: $1.66
Dividend Yield: 1.25%
Earnings/Share: $11.43
Profit Margin: 32.30%
Operating Margin: 50.97%
ROA (TTM): 1.24%
ROE (TTM): 12.11%
Revenue (TTM): $2.73B
Revenue/Share (TTM): $35.95
Earnings Growth (YOY): 176.90%
Revenue Growth (YOY): 49.00%

Stock Price History

1 Year Price History

2 Years Price History

5 Years Price History

10 Years Price History

Financial Charts

Revenue & Net Income (Yearly)

Revenue & Net Income (Quarterly)

Operating Expenses (Yearly)

Operating Expenses (Quarterly)

Balance Sheet (Yearly)

Balance Sheet (Quarterly)

Assets Breakdown (Yearly)

Assets Breakdown (Quarterly)

Liabilities Breakdown (Yearly)

Liabilities Breakdown (Quarterly)

Earnings Per Share (EPS) History

Financial Ratios

Balance Sheet (Yearly)

Financial Ratios

Date Current Ratio Debt/Equity Debt/Assets Interest Coverage Debt/EBITDA
2025-12-31 0.01x 0.47x 0.89x 0.60x 3.38x
2024-12-31 0.36x 0.86x 0.93x 0.46x 5.04x
2023-12-31 0.34x 1.13x 0.93x 0.46x 7.29x
2022-12-31 0.00x 0.07x 0.01x 2.38x 4.46x
2021-12-31 1.09x 0.08x 0.01x 9.33x 7.26x
2020-12-31 1.06x 0.08x 0.01x 4.39x 6.45x
2019-12-31 1.04x 0.08x 0.00x 1.49x 5.90x
2018-12-31 1.83x 0.72x 0.90x 1.84x 5.79x
2017-12-31 1.68x 0.61x 0.90x 4.08x 4.60x
2016-12-31 1.45x 0.99x 0.91x 7.17x 7.64x
2015-12-31 0.46x 1.01x 0.90x 6.89x 10.55x
2014-12-31 54.27x 1.25x 0.91x 18.70x 11.50x
2013-12-31 0.61x 1.05x 0.91x 17.24x 6.95x
2012-12-31 0.62x 1.40x 0.91x 8.67x 8.50x
2011-12-31 0.63x 1.65x 0.91x 5.49x 10.40x
2010-12-31 0.11x 2.01x 0.91x 3.53x 12.80x
2009-12-31 0.15x 1.95x 0.91x 2.26x 16.42x
2008-12-31 0.10x 2.23x 0.91x 1.24x 17.28x
2007-12-31 0.10x 2.02x 0.90x 0.58x 12.65x
2006-12-31 0.07x 1.97x 0.90x 0.53x 14.46x
2005-12-31 0.08x 1.72x 0.90x 0.91x 11.72x
2004-12-31 0.07x 1.91x 0.90x 1.28x 18.58x
2003-12-31 0.09x 1.55x 0.90x 1.78x 9.40x
2002-12-31 0.10x 1.64x 0.90x 0.95x 11.56x
2001-12-31 0.10x 1.93x 0.91x 0.63x 12.61x
2000-12-31 0.15x 1.43x 0.91x 0.45x 8.00x
1999-12-31 0.11x 2.16x 0.92x 0.47x 16.01x
1998-12-31 0.13x 1.39x 0.91x 0.41x 10.31x
1997-12-31 0.16x 1.15x 0.91x 0.52x 5.56x
1996-12-31 0.15x 1.06x 0.91x 0.52x 4.69x
1995-12-31 0.14x 1.16x 0.90x 0.49x 7.15x
1994-12-31 0.14x 1.44x 0.92x 0.52x 8.65x
1993-12-31 0.13x 1.07x 0.91x 0.51x 5.34x
1992-12-31 0.15x 1.66x 0.92x 0.45x 9.59x
1991-12-31 0.18x 2.01x 0.92x 0.31x 11.35x
1990-12-31 0.12x 1.48x 0.92x 0.25x 8.26x
1989-12-31 0.17x 0.77x 0.92x 0.26x 3.92x
1988-12-31 N/A N/A N/A N/A 0.00x
1987-12-31 N/A N/A N/A N/A 0.00x
1986-12-31 N/A N/A N/A N/A 0.00x
1985-12-31 N/A N/A N/A N/A 0.00x

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