UMBF UMB Financial Corporation - Common Stock

NASDAQ · Banking · SEC EDGAR에서 보기 ↗
$127.58
가격 · 5월 20, 2026
기준 재무 정보 4월 30, 2026
52주 범위
$98–$136
78% of range
애널리스트 평점
BUY
18 analysts
목표 주가
$147
+15% upside
P/E (TTM)
12.4
ROE
9.4%
순이익률
26.5%

UMBF 주식 스냅샷 가격, 시가총액, P/E, EPS, ROE, 부채/자본, 52주 범위

가격
$127.58
시가총액
$8.74B
P/E (TTM)
12.4
EPS (TTM)
$9.29
매출 (TTM)
—
배당 수익률
1.6%
ROE
9.4%
부채/자본
—
52주 범위
$98 – $136

UMBF 주가 차트 기술 지표가 포함된 일일 OHLCV — 팬, 확대/축소 및 보기 사용자 정의

10년 성과 매출, 순이익, 마진 및 EPS 추세

매출 및 순이익 —
EPS $9.29
10-point trend, +188.5%
2016-12-31 → 2025-12-31
잉여현금흐름 $978M
10-point trend, +298.3%
2016-12-31 → 2025-12-31
마진 26.5%

가치 평가 P/E, P/S, P/B, EV/EBITDA 비율 — 주식이 비싼가요, 싼가요?

지표
5년 추세
UMBF
동종업계 중앙값
P/E (TTM)
5-point trend, -15.5%
12.4
12.9
P/S (TTM)
5-point trend, -17.8%
3.3
2.2
P/B
5-point trend, -30.5%
1.1
1.2
Price / FCF (주가 / FCF)
5-point trend, -13.0%
8.9
—

수익성 총, 영업 및 순이익률; ROE, ROA, ROIC

지표
5년 추세
UMBF
동종업계 중앙값
Net Profit Margin (순이익률)
5-point trend, -3.8%
26.5%
27.6%
ROA
5-point trend, +22.6%
1.1%
1.0%
ROE
5-point trend, -16.8%
9.4%
9.7%

재무 건전성 부채, 유동성, 지급능력 — 대차대조표 건전성

지표
5년 추세
UMBF
동종업계 중앙값

성장 매출, EPS 및 순이익 성장률: YoY, 3년 CAGR, 5년 CAGR

지표
5년 추세
UMBF
동종업계 중앙값
Revenue YoY (매출 YoY)
62.8%
—
Revenue CAGR 3Y (매출 CAGR 3년)
21.8%
—
Revenue CAGR 5Y (매출 CAGR 5년)
15.5%
—
EPS YoY
5-point trend, +28.3%
3.3%
—
Net Income YoY (순이익 YoY)
5-point trend, +99.0%
59.2%
—

주당 지표 EPS, 주당 순자산, 주당 현금 흐름, 주당 배당금

지표
5년 추세
UMBF
동종업계 중앙값
EPS (Diluted) (EPS (희석))
5-point trend, +28.3%
$9.29
—

자본 효율성 자산 회전율, 재고 회전율, 매출채권 회전율

지표
5년 추세
UMBF
동종업계 중앙값
Payout Ratio (지급 비율)
5-point trend, +2.1%
19.3%
—

배당금 배당 수익률, 지급 비율, 배당 이력, 5년 CAGR

배당 수익률
1.6%
지급 비율
19.3%
5년 배당 CAGR
—
배당락일금액
2026년 3월 10일$0.4300
2025년 12월 10일$0.4300
2025년 9월 10일$0.4000
2025년 6월 10일$0.4000
2025년 3월 10일$0.4000
2024년 12월 10일$0.4000
2024년 9월 10일$0.3900
2024년 6월 10일$0.3900
2024년 3월 8일$0.3900
2023년 12월 8일$0.3900
2023년 9월 8일$0.3800
2023년 6월 9일$0.3800
2023년 3월 9일$0.3800
2022년 12월 9일$0.3800
2022년 9월 9일$0.3700
2022년 6월 9일$0.3700
2022년 3월 9일$0.3700
2021년 12월 9일$0.3700
2021년 9월 9일$0.3700
2021년 6월 9일$0.3200

UMBF 분석가 합의 강세 및 약세 애널리스트 의견, 12개월 목표 주가, 상승 여력

매수 18 명의 애널리스트
  • 적극 매수 3 16.7%
  • 매수 12 66.7%
  • 보유 3 16.7%
  • 매도 0 0.0%
  • 적극 매도 0 0.0%

12개월 목표 주가

12 명의 애널리스트 · 2026-05-17
중앙값 목표 $147.50 +15.6%
평균 목표 $147.08 +15.3%

실적 기록 EPS 실제 vs 예상, 서프라이즈 %, 달성률, 다음 실적 발표일

평균 서프라이즈
0.11%
기간 EPS Actual EPS 예상 서프라이즈
2026년 3월 31일 $3.35 $2.86 0.49%
2025년 12월 31일 $2.74 $2.60 0.14%
2025년 9월 30일 $2.36 $2.50 -0.14%
2025년 6월 30일 $2.82 $2.44 0.38%
2025년 3월 31일 $1.94 $2.24 -0.30%

동료 비교 주요 지표 대 섹터 동종 기업

티커 시가총액 P/E 매출 YoY 순이익률 ROE 매출 총이익률
UMBF $8.74B 12.4 62.8% 26.5% 9.4% —
EWBC $15.46B 11.8 12.2% 45.2% 15.5% —
PNFP $7.41B 11.8 18.3% 31.2% 9.5% —
WBS — 10.7 11.9% — — —
FHN $11.59B 12.8 7.2% 28.7% 11.1% —
WTFC $9.36B 12.3 5.9% 310.1% 11.4% —
SSB $9.33B 12.0 56.1% 29.8% 8.9% —
ONB $8.69B 12.5 — 26.5% 8.1% —
ZION $8.64B 9.7 3.6% 135.8% 13.1% —
CFR — 12.8 8.3% 29.0% 14.8% —
COLB $8.26B 12.2 18.8% 310.7% 8.5% —

전체 기본 지표 연도별 모든 지표 — 손익계산서, 대차대조표, 현금흐름

손익계산서 10
UMBF의 연간 손익계산서 데이터
지표 추세 202520242023202220212020201920182017201620152014
Interest Expense 10-point trend, +6548.7% · · $919M $224M $46M $77M $192M $122M $58M $28M $19M $14M
Interest Income 12-point trend, +821.8% $3.35B $2.17B $1.84B $1.14B $862M $808M $863M $732M $617M $523M $431M $364M
Pretax Income 12-point trend, +426.9% $875M $541M $422M $532M $429M $339M $286M $224M $236M $199M $128M $166M
Income Tax 12-point trend, +280.0% $173M $100M $72M $100M $76M $52M $42M $27M $53M $45M $32M $45M
Net Income 12-point trend, +482.2% $702M $441M $350M $432M $353M $287M $244M $196M $247M $159M $116M $121M
EPS (Basic) 12-point trend, +247.6% $9.35 $9.05 $7.22 $8.93 $7.31 $5.95 $4.99 $3.97 $5.02 $3.25 $2.46 $2.69
EPS (Diluted) 12-point trend, +250.6% $9.29 $8.99 $7.18 $8.86 $7.24 $5.93 $4.96 $3.93 $4.96 $3.22 $2.44 $2.65
Shares (Basic) 12-point trend, +63.4% 73,259,082 48,747,814 48,503,643 48,340,922 48,271,462 48,137,791 48,779,263 49,334,937 49,223,661 48,828,313 47,126,252 44,844,578
Shares (Diluted) 12-point trend, +62.1% 73,670,643 49,056,956 48,763,820 48,747,399 48,738,292 48,343,750 49,089,877 49,770,737 49,839,290 49,277,055 47,579,334 45,445,283
EBITDA 2-point trend, +15.5% · · · · · · · · · $-2M $-3M ·
대차대조표 17
UMBF의 연간 대차대조표 데이터
지표 추세 202520242023202220212020201920182017201620152014
Cash & Equivalents 12-point trend, +334.9% $7.77B $8.45B $5.53B $1.56B $9.21B $3.50B $1.67B $1.67B $1.72B $1.06B $819M $1.79B
PP&E (Net) 12-point trend, +54.5% $398M $222M $242M $264M $271M $293M $300M $284M $276M $289M $281M $258M
PP&E (Gross) 12-point trend, +88.4% $1.13B $913M $894M $876M $849M $835M $804M $758M $709M $701M $659M $598M
Goodwill 12-point trend, +777.1% $1.84B $207M $207M $207M $175M $181M $181M $181M $181M $181M $228M $210M
Intangibles 12-point trend, +1006.7% $487M $64M $71M $71M $14M $21M $28M $15M $20M $27M $47M $44M
Total Assets 12-point trend, +317.7% $73.09B $50.41B $44.01B $38.51B $42.69B $33.13B $26.56B $23.35B $21.77B $20.68B $19.09B $17.50B
Short-term Debt 2-point trend, +35835.3% · · $1.80B · · · · · · · $5M ·
Total Liabilities 12-point trend, +312.4% $65.40B $46.94B $40.91B $35.85B $39.55B $30.11B $23.95B $21.12B $19.59B $18.72B $17.20B $15.86B
Long-term Debt 12-point trend, +5282.8% $474M $385M $383M $381M $272M $270M $70M $83M $79M $77M $86M $9M
Total Debt 2-point trend, +35835.3% · · $1.80B · · · · · · · $5M ·
Common Stock 12-point trend, +42.9% $79M $55M $55M $55M $55M $55M $55M $55M $55M $55M $55M $55M
Retained Earnings 12-point trend, +287.6% $3.74B $3.17B $2.81B $2.54B $2.18B $1.89B $1.67B $1.49B $1.34B $1.14B $1.03B $964M
Treasury Stock 12-point trend, -41.2% $165M $336M $343M $347M $323M $338M $278M $274M $212M $211M $212M $281M
AOCI 12-point trend, -2476.2% $-262M $-573M $-557M $-703M $126M $318M $83M $-96M $-46M $-58M $-4M $11M
Stockholders' Equity 12-point trend, +368.0% $7.69B $3.47B $3.10B $2.67B $3.15B $3.02B $2.61B $2.23B $2.18B $1.96B $1.89B $1.64B
Liabilities + Equity 12-point trend, +317.7% $73.09B $50.41B $44.01B $38.51B $42.69B $33.13B $26.56B $23.35B $21.77B $20.68B $19.09B $17.50B
Shares Outstanding 12-point trend, +66.8% 75,960,675 48,814,177 48,554,127 48,319,404 48,430,805 48,006,386 49,097,606 49,117,222 49,894,990 49,673,056 49,396,366 45,532,188
현금 흐름 19
UMBF의 연간 현금 흐름 데이터
지표 추세 202520242023202220212020201920182017201620152014
D&A 12-point trend, +205.8% $142M $53M $59M $54M $56M $63M $56M $53M $55M $-2M $-3M $46M
Stock-based Comp 12-point trend, +290.7% $38M $23M $19M $21M $21M $15M $15M $11M $13M $12M $11M $10M
Deferred Tax 12-point trend, +823.0% $83M $-16M $-20M $-6M $-13M $-5M $-153.0K $-20M $60M $2M $-645.0K $-11M
Amort. of Intangibles 12-point trend, +667.0% $94M $8M $9M $5M $5M $7M $6M $6M $7M $9M $8M $12M
Other Non-cash 2-point trend, +36.8% · · · · · · · · · $125M $92M ·
Operating Cash Flow 12-point trend, +317.9% $1.03B $225M $473M $770M $534M $374M $340M $296M $327M $296M $212M $246M
CapEx 12-point trend, +8.5% $49M $20M $23M $52M $34M $60M $72M $58M $36M $51M $54M $45M
Investing Cash Flow 11-point trend, -322.5% $-5.62B $-3.26B $-1.27B $-3.85B $-4.24B $-4.49B $-2.99B $-1.75B $-479M $-1.50B $-1.33B ·
Debt Issued 8-point trend, +1967.7% · · · $110M · $200M $19M $4M $3M $2M $2M $5M
Net Debt Issued 9-point trend, -5426.2% $-200M · · $110M · $200M $14M $2M $1M $-10M $-8M $4M
Stock Issued $235M · · · · · · · · · · ·
Stock Repurchased 12-point trend, +207.1% $18M $8M $8M $32M $6M $64M $4M $77M $15M $16M $8M $6M
Net Stock Activity 12-point trend, +3888.8% $218M $-8M $-8M $-32M $-6M $-64M $-4M $-77M $-15M $-16M $-8M $-6M
Dividends Paid 12-point trend, +227.9% $136M $77M $74M $72M $67M $60M $59M $58M $52M $49M $46M $41M
Financing Cash Flow 11-point trend, +2507.4% $3.92B $5.96B $4.77B $-4.58B $9.42B $5.95B $2.64B $1.41B $804M $1.45B $150M ·
Net Change in Cash 12-point trend, +14.9% $-677M $2.92B $3.97B $-7.66B $5.72B $1.83B $-5M $-42M $652M $245M $-968M $-795M
Taxes Paid 9-point trend, +38.2% $63M $77M $79M $102M $93M $34M $2M $63M $46M · · ·
Free Cash Flow 12-point trend, +391.5% $978M $201M $446M $718M $500M $313M $269M $239M $290M $246M $157M $199M
Levered FCF 10-point trend, -267.8% · · $-317M $536M $463M $248M $106M $132M $245M $224M $144M $189M
수익성 5
UMBF의 연간 수익성 데이터
지표 추세 202520242023202220212020201920182017201620152014
Net Margin 12-point trend, +86.2% 26.5% 27.1% 23.9% 29.4% 27.5% 22.2% 22.2% 19.3% 25.1% 16.4% 13.2% 14.2%
Pretax Margin 12-point trend, +69.9% 33.0% 33.2% 28.8% 36.2% 33.5% 26.2% 26.1% 22.1% 24.1% 21.3% 18.1% 19.4%
EBITDA Margin 2-point trend, +22.6% · · · · · · · · · -0.24% -0.31% ·
ROA 12-point trend, +62.9% 1.1% 0.93% 0.85% 1.1% 0.93% 0.96% 0.98% 0.87% 1.2% 0.80% 0.63% 0.70%
ROE 12-point trend, +26.8% 9.4% 12.6% 11.8% 16.6% 11.3% 9.8% 9.4% 8.8% 11.5% 8.0% 6.1% 7.4%
유동성 및 지급능력 1
UMBF의 연간 유동성 및 지급능력 데이터
지표 추세 202520242023202220212020201920182017201620152014
Debt / Equity 2-point trend, +22230.8% · · 0.6 · · · · · · · 0.0 ·
효율성 1
UMBF의 연간 효율성 데이터
지표 추세 202520242023202220212020201920182017201620152014
Asset Turnover 12-point trend, -12.8% 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0
주당 6
UMBF의 연간 주당 데이터
지표 추세 202520242023202220212020201920182017201620152014
Book Value / Share 12-point trend, +180.6% $101.28 $71.02 $63.85 $55.20 $64.95 $62.84 $53.09 $45.37 $43.72 $39.51 $38.34 $36.10
Revenue / Share 12-point trend, +92.8% $36.00 $33.21 $29.98 $30.11 $26.32 $26.71 $22.36 $20.34 $19.71 $19.71 $18.46 $18.68
Cash Flow / Share 12-point trend, +159.8% $13.94 $4.59 $9.69 $15.79 $10.96 $7.73 $6.96 $5.97 $6.55 $6.02 $4.43 $5.36
Cash / Share 12-point trend, +160.7% $102.32 $173.08 $113.86 $32.24 $190.26 $72.86 $34.00 $34.08 $34.40 $21.42 $16.58 $39.25
Dividend Paid / Share 12-point trend, +79.1% $2 $2 $2 $1 $1 $1 $1 $1 $1 $1 $1 $1
EPS (TTM) 12-point trend, +250.6% $9.29 $8.99 $7.18 $8.86 $7.24 $5.93 $4.96 $3.93 $4.96 $3.22 $2.44 $2.65
성장률 10
UMBF의 연간 성장률 데이터
지표 추세 202520242023202220212020201920182017201620152014
Revenue YoY 5-point trend, +9474.6% 62.8% 11.4% -0.41% 14.4% -0.67% · · · · · · ·
Revenue CAGR 3Y 3-point trend, +416.4% 21.8% 8.3% 4.2% · · · · · · · · ·
Revenue CAGR 5Y 15.5% · · · · · · · · · · ·
EPS YoY 5-point trend, -84.9% 3.3% 25.2% -19.0% 22.4% 22.1% · · · · · · ·
EPS CAGR 3Y 3-point trend, -75.8% 1.6% 7.5% 6.6% · · · · · · · · ·
EPS CAGR 5Y 9.4% · · · · · · · · · · ·
Net Income YoY 5-point trend, +154.9% 59.2% 26.1% -18.9% 22.3% 23.2% · · · · · · ·
Net Income CAGR 3Y 3-point trend, +155.4% 17.6% 7.7% 6.9% · · · · · · · · ·
Net Income CAGR 5Y 19.6% · · · · · · · · · · ·
Dividend CAGR 5Y 17.6% · · · · · · · · · · ·
가치 평가 (TTM) 17
UMBF의 연간 가치 평가 (TTM) 데이터
지표 추세 202520242023202220212020201920182017201620152014
Revenue TTM 12-point trend, +212.5% $2.65B $1.63B $1.46B $1.47B $1.28B $1.29B $1.10B $1.01B $982M $898M $783M $849M
Net Income TTM 12-point trend, +482.2% $702M $441M $350M $432M $353M $287M $244M $196M $247M $159M $116M $121M
Market Cap 12-point trend, +237.4% $8.74B $5.51B $4.06B $4.04B $5.14B $3.31B $3.37B $2.99B $3.59B $3.83B $2.30B $2.59B
Enterprise Value 2-point trend, -77.9% · · $328M · · · · · · · $1.49B ·
P/E 12-point trend, -42.3% 12.4 12.6 11.6 9.4 14.7 11.6 13.8 15.5 14.5 24.0 19.1 21.5
P/S 12-point trend, +8.0% 3.3 3.4 2.8 2.7 4.0 2.6 3.1 3.0 3.7 4.3 2.9 3.1
P/B 12-point trend, -27.9% 1.1 1.6 1.3 1.5 1.6 1.1 1.3 1.3 1.6 2.0 1.2 1.6
P / Tangible Book 6-point trend, +38.4% 1.6 1.7 1.4 1.7 1.7 1.2 · · · · · ·
P / Cash Flow 12-point trend, -19.9% 8.5 24.5 8.6 5.2 9.6 8.9 9.9 10.1 11.0 12.9 10.9 10.6
P / FCF 12-point trend, -31.4% 8.9 27.4 9.1 5.6 10.3 10.6 12.5 12.5 12.4 15.6 14.6 13.0
EV / EBITDA · · · · · · · · · · -544.7 ·
EV / FCF 2-point trend, -92.2% · · 0.7 · · · · · · · 9.4 ·
EV / Revenue 2-point trend, -88.2% · · 0.2 · · · · · · · 1.9 ·
Dividend Yield 12-point trend, -3.1% 1.6% 1.4% 1.8% 1.8% 1.3% 1.8% 1.8% 1.9% 1.5% 1.3% 2.0% 1.6%
Earnings Yield 12-point trend, +73.4% 8.1% 8.0% 8.6% 10.6% 6.8% 8.6% 7.2% 6.5% 6.9% 4.2% 5.2% 4.7%
Payout Ratio 12-point trend, -43.7% 19.3% 17.5% 21.2% 16.7% 18.9% 21.0% 24.4% 29.8% 21.0% 30.9% 39.6% 34.3%
Annual Payout 12-point trend, +227.9% $136M $77M $74M $72M $67M $60M $59M $58M $52M $49M $46M $41M

재무제표 손익계산서, 대차대조표, 현금흐름 — 연간, 지난 5년

손익계산서
2025-12-312024-12-312023-12-312022-12-312021-12-31
순이익 $702M$441M$350M$432M$353M
희석 EPS $9.29$8.99$7.18$8.86$7.24
대차대조표
2025-12-312024-12-312023-12-312022-12-312021-12-31
부채 / 자기자본 비율 ——0.6——
현금 흐름
2025-12-312024-12-312023-12-312022-12-312021-12-31
잉여현금흐름 $978M$201M$446M$718M$500M

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