UMBFO
NASDAQ
US
UMB Financial Corporation - Depositary Shares Each Representing a 1/400th Interest in a Share of 7.750% Fixed-Rate Reset Non-Cumulative Perpetual Preferred Stock, Series B
$25.95
▲ +$0.25
(+0.97%)
Vol 19K
10
Quality Score
ok
Deep Check
2/5
ok
Rev ✓
NI ✓
>IPO ✗
Mkt Cap
$8.7B
P/E
14.4
ROE
9.7%
Margin
25.9%
D/E
44.46
Beta
0.82
Div Yield
1.50%
52W
$82–$126
Wall Street Consensus
19 analysts · Apr 20264
Strong Buy
12
Buy
3
Hold
0
Sell
0
Strong Sell
84.2%
Buy Rating
Price Chart
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Earnings
Beat rate: 50.0%| Quarter | EPS Est | EPS Act | Surprise |
|---|---|---|---|
| Dec 2025 | $2.60 | $2.74 | +$0.14 |
| Sep 2025 | $2.50 | $2.36 | $-0.14 |
| Jun 2025 | $2.44 | $2.82 | +$0.38 |
| Mar 2025 | $2.24 | $1.94 | $-0.30 |
Fundamentals Trend
| Metric | 2025-06-30 | 2025-09-02 | 2025-10-02 | 2025-11-03 | 2025-12-03 | 2026-01-02 |
|---|---|---|---|---|---|---|
| ROE (TTM) | 10.1% | 10.1% | 10.1% | 9.7% | 9.7% | 9.7% |
| P/E (TTM) | 15.11 | 16.67 | 16.87 | 13.37 | 14.18 | 14.39 |
| Net Margin | — | 25.9% | 25.9% | 25.9% | 25.9% | 25.9% |
| Gross Margin | — | — | — | — | — | — |
| D/E Ratio | 49.27 | 49.27 | 49.27 | 44.46 | 44.46 | 44.46 |
| Current Ratio | — | — | — | — | — | — |
Key Ratios
ROA (TTM)
0.9%
P/S (TTM)
2.37
P/B
1.6
EPS (TTM)
$9.00
CF/Share
$8.99
Rev Growth 3Y
+9.6%
52W High
$126.14
52W Low
$82.00
$82.00
52-Week Range
$126.14
How does UMBFO compare to Banking peers?
Peer group: Mid-cap Banking ($2B+) · 74 companies
UMBFO valuation vs Banking peers
P/E ratio
14.4
▲
15%
above
peers
(12.6)
vs Peers
vs Industry
Overvalued
P/S ratio
2.4
▼
0%
below
peers
(2.4)
vs Peers
vs Industry
Fair value
P/B ratio
1.6
▲
34%
above
peers
(1.2)
vs Peers
vs Industry
Overvalued
Div yield
1.5%
▼
59%
below
peers
(3.7%)
vs Peers
vs Industry
Low yield
UMBFO profitability vs Banking peers
ROE
9.7%
▼
2%
below
peers
(9.9%)
vs Peers
vs Industry
In line
Net margin
25.9%
▼
16%
below
peers
(30.9%)
vs Peers
vs Industry
Weak
Gross margin
—
—
vs Peers
vs Industry
Weak
ROA
0.9%
▼
14%
below
peers
(1.1%)
vs Peers
vs Industry
Weak
UMBFO financial health vs Banking peers
D/E ratio
44.5
▲
183%
above
peers
(15.7)
vs Peers
vs Industry
High debt
Current ratio
—
—
vs Peers
vs Industry
Low liquidity
Beta
0.8
▼
6%
below
peers
(0.9)
vs Peers
vs Industry
Less volatile
UMBFO fundamentals radar
UMBFO
Peer median
Industry
UMBFO profitability vs leverage
Bubble size = market cap · X = net margin · Y = D/E ratio
UMBFO vs peers: key metrics
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