UMB Financial Corp
Research UMB Financial Corp (UMBF) on Bullrun: valuation model: 3.3% overvalued, market cap USD 10.90B, P/E 12.0, dividend yield 1.2%. Explore financials, valuation history, model signals, and stock context.
Key Metrics
- TickerUMBF
- ExchangeNASDAQ
- CountryUnited States
- SectorFinancial Services
- IndustryBanks-Regional
- CurrencyUSD
- Valuation signal3.3% overvalued
- Market capUSD 10.90B
- P/E12.0
- Dividend yield1.2%
- Financial periodQ2 2026
- RevenueUSD 723.08M
- Net incomeUSD 277.57M
- Free cash flowUSD 330.80M
Valuation Snapshot
Bullrun's latest valuation model marks UMB Financial Corp as 3.3% overvalued; latest market cap is USD 10.90B; P/E is 12.0; dividend yield is 1.2%.
Peer valuation comparison
Latest P/E is 11.96x versus a Financial Services sector median of 13.84x (13.6% below).
Latest dividend yield is 1.17% versus a Financial Services sector median of 3.86% (69.6% below).
Five-year financial history
| Year | Revenue | Net income | Free cash flow | Gross margin | Diluted EPS | Cash | Total debt | Equity |
|---|---|---|---|---|---|---|---|---|
| FY2025 | USD 2.43B | USD 702.40M | USD 978.11M | n/a | 9.29 | USD 7.77B | USD 474.23M | USD 7.69B |
| FY2024 | USD 1.47B | USD 441.24M | USD 205.28M | n/a | 8.99 | USD 8.45B | USD 385.29M | USD 3.47B |
| FY2023 | USD 1.33B | USD 350.02M | USD 449.50M | n/a | 7.18 | USD 5.53B | USD 2.18B | USD 3.10B |
| FY2022 | n/a | USD 431.68M | USD 717.84M | n/a | 8.86 | USD 1.56B | USD 381.31M | USD 2.67B |
Valuation history
| Year | Snapshot date | Market cap | P/E | Dividend yield | Annual dividend/share |
|---|---|---|---|---|---|
| 2026 | 2026-08-25 | USD 10.90B | 12.0 | 1.2% | 1.69 |
| 2025 | 2025-12-31 | USD 8.74B | 12.6 | 1.4% | 1.63 |
| 2024 | 2024-12-31 | USD 5.51B | 12.5 | 1.4% | 1.57 |
| 2023 | 2023-12-29 | USD 4.05B | 10.7 | 1.8% | 1.53 |
| 2022 | 2022-12-30 | USD 4.04B | 9.9 | 1.8% | 1.49 |
| 2021 | 2021-12-31 | USD 5.14B | 14.6 | 1.3% | 1.38 |
Dividend history
Latest trailing dividend snapshot: annual dividend/share 1.69 USD, yield 1.2%.
| Year | Dividends/share |
|---|---|
| FY2025 | 1.63 USD |
| FY2024 | 1.57 USD |
| FY2023 | 1.53 USD |
| FY2022 | 1.49 USD |
About UMB Financial Corp
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;
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Frequently asked questions
Is UMB Financial Corp overvalued or undervalued?
Bullrun's valuation model currently marks UMB Financial Corp as 3.3% overvalued.
What is UMB Financial Corp's market cap?
UMB Financial Corp's market capitalization is USD 10.90B.
What is UMB Financial Corp's P/E ratio?
UMB Financial Corp's price-to-earnings (P/E) ratio is 12.0.
Does UMB Financial Corp pay a dividend?
UMB Financial Corp has a dividend yield of 1.2%.
What does UMB Financial Corp do?
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.