UMB FINANCIAL CORP
UMBFONasdaq
$26.37
↓ -0.6%Jul 17 close · end-of-day
Price
1Y↑ +8.8%
End-of-day closes; the latest point is the live 15-min-delayed price · split & dividend adjusted · chart by TradingView
Key statistics
Market Cap
$2.0B
Enterprise Value
-$3.8B
P/E
2.3
P/S
—
P/B
0.3
EV/EBITDA
—
PEG
1.4
FCF Yield
48.7%
Dividend Yield
6.3%
Revenue (TTM)
—
Net Income (TTM)
$882.5M
Free Cash Flow (TTM)
$980.7M
Gross Margin
—
Operating Margin
—
Net Margin
—
ROE
11.3%
ROIC
—
Debt / Equity
0.1
Net Cash
$5.8B
Return 1Y
+8.1%
Company profile
Management & directors
- Wilson UmaExecutive Vice President
- Rine James DPresident
- Beaird Robert BrianChief Human Resource Officer
- Harris AmyEVP and Chief Legal Officer
- Johnson Shannon AndresenChief Administrative Officer
- Kemper J MarinerChairman and CEO
- Mason Phillip JamesPresident, Inst. Banking
- Newton Nikki FarentinoPresident, Private Wealth Mgmt
- Odgers David CarlChief Accounting Officer
- Shankar RamChief Financial Officer
- Terry Thomas SChief Credit Officer
- Lewis Elizabeth TheresaPresident - Consumer Banking
Roles derived from SEC Form 4 filings.
Earnings
UMBFO Q1 2026 Earnings
Period ends 2026-03-31
MetricActualYoY
Revenue——
Diluted EPS$3.35↑ +176.9%
Actuals from SEC filings; YoY vs the year-ago quarter. Analyst estimates & surprise require a data feed (coming soon).
Financial statements
| Line item | FY2020 | FY2021 | FY2022 | FY2023 | FY2024 | FY2025 |
|---|---|---|---|---|---|---|
| Revenue | — | — | — | — | — | — |
| Gross profit | — | — | — | — | — | — |
| Operating income | — | — | — | — | — | — |
| Net income | $286.5M | $353.0M | $431.7M | $350.0M | $441.2M | $702.4M |
| Diluted EPS | $5.93 | $7.24 | $8.86 | $7.18 | $8.99 | $9.29 |
| Operating cash flow | $373.6M | $534.1M | $769.6M | $472.6M | $225.3M | $1.0B |
| Free cash flow | $313.4M | $500.4M | $717.8M | $449.5M | $205.3M | $978.1M |
| Gross margin | — | — | — | — | — | — |
| Operating margin | — | — | — | — | — | — |
| Net margin | — | — | — | — | — | — |
| Line item | Q2 '24 | Q3 '24 | Q4 '24 | Q1 '25 | Q2 '25 | Q3 '25 | Q4 '25 | Q1 '26 |
|---|---|---|---|---|---|---|---|---|
| Revenue | — | — | — | — | — | — | — | — |
| Gross profit | — | — | — | — | — | — | — | — |
| Operating income | — | — | — | — | — | — | — | — |
| Net income | $101.3M | $109.6M | $120.0M | $81.3M | $217.4M | $188.3M | $215.4M | $261.4M |
| Diluted EPS | $2.07 | $2.23 | $2.44 | $1.21 | $2.82 | $2.36 | $2.90 | $3.35 |
| Operating cash flow | $112.4M | $123.6M | -$66.9M | $363.0M | $285.4M | $272.2M | $106.1M | $361.3M |
| Free cash flow | $109.2M | $119.4M | -$77.1M | $354.2M | $270.8M | $257.8M | $95.3M | $356.8M |
| Gross margin | — | — | — | — | — | — | — | — |
| Operating margin | — | — | — | — | — | — | — | — |
| Net margin | — | — | — | — | — | — | — | — |
Company news
Coming soonHeadlines for UMBFO will appear here once the news feed is connected.
Analyst estimates
Coming soonConsensus revenue & EPS estimates and price targets will appear here once a forward-estimates data feed is connected.
Insider transactions
BoughtSoldMonthly insider $ volume · trailing 12 months
| Date | Insider | Type | Shares | Price | Value | Filing |
|---|---|---|---|---|---|---|
| 2026-06-10 | Wilson Uma· Executive Vice President | Sale | 922 | $133.05 | $122,672.10 | filing |
| 2026-06-10 | Wilson Uma· Executive Vice President | Option exercise | 922 | $75.25 | $69,380.50 | filing |
| 2026-06-10 | Gallagher Kevin Charles | Sale | 381 | $132.88 | $50,627.28 | filing |
| 2026-06-09 | Rine James D· President | Sale | 7,172 | $132.49 | $950,218.28 | filing |
| 2026-06-09 | Rine James D· President | Sale | 1,074 | $133.22 | $143,078.28 | filing |
| 2026-05-01 | ROBBINS KRIS A | Award | 116 | $129.24 | $14,991.84 | filing |
| 2026-05-01 | Peterman Tamara | Award | 116 | $129.24 | $14,991.84 | filing |
| 2026-05-01 | Murphy Susan G | Award | 116 | $129.24 | $14,991.84 | filing |
| 2026-05-01 | Lazo Margaret | Award | 116 | $129.24 | $14,991.84 | filing |
| 2026-05-01 | Gordon Lansford E. | Award | 116 | $129.24 | $14,991.84 | filing |
| 2026-05-01 | Hopkins Jennifer K | Award | 116 | $129.24 | $14,991.84 | filing |
| 2026-05-01 | GRAVES GREG M | Award | 116 | $129.24 | $14,991.84 | filing |
| 2026-05-01 | Gallagher Kevin Charles | Award | 116 | $129.24 | $14,991.84 | filing |
| 2026-05-01 | Davidson Janine | Award | 116 | $129.24 | $14,991.84 | filing |
| 2026-05-01 | BEERY ROBIN C | Award | 116 | $129.24 | $14,991.84 | filing |
| 2026-05-01 | Henderson Brad J. | Award | 116 | $129.24 | $14,991.84 | filing |
| 2026-05-01 | Murphy Timothy R. | Award | 116 | $129.24 | $14,991.84 | filing |
| 2026-05-01 | SCHMIDT JOHN K | Award | 116 | $129.24 | $14,991.84 | filing |
| 2026-05-01 | Williams Leroy James Jr | Award | 116 | $129.24 | $14,991.84 | filing |
| 2026-05-01 | SOSLAND L JOSHUA | Award | 116 | $129.24 | $14,991.84 | filing |
| 2026-02-11 | KEMPER J MARINER· Chairman and CEO | Tax withholding | 1,090 | $132.16 | $144,054.40 | filing |
| 2026-02-11 | Rine James D· President | Tax withholding | 311 | $132.16 | $41,101.76 | filing |
| 2026-02-11 | Shankar Ram· Chief Financial Officer | Tax withholding | 129 | $132.16 | $17,048.64 | filing |
| 2026-02-11 | Johnson Shannon Andresen· Chief Administrative Officer | Tax withholding | 124 | $132.16 | $16,387.84 | filing |
| 2026-02-11 | Newton Nikki Farentino· President, Private Wealth Mgmt | Tax withholding | 87 | $132.16 | $11,497.92 | filing |
Showing the latest 25 transactions — full history in the linked SEC filings.
Fundamentals & filings from SEC EDGAR. Prices adjusted for splits & dividends. Not investment advice.