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147.04 USD
P/E
12.60
EPS
11.43
Yield
1.15%
Safety Score
91
P/B
1.45
ROE
12.11
Beta
0.78
Target Price
157.77 USD
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Key Metrics
Earnings dateAug. 4, 2026
P/E12.60
EPS11.43
Book Value99.15
Price to Book1.45
% Insiders5.306%
Growth
Revenue Growth0.49%
Earnings Growth1.77%
Estimates
Forward P/E10.46
Forward EPS13.77
Target Mean Price157.77
Dividend
Dividend Yield1.15%
Annual dividends1.69 USD
Ex-Div. DateSept. 10, 2026
Payout16.16%
5y avg Yield1.66%

DCF Valuation

Tweak assumptions to recompute fair value for UMB Financial Corporation (UMBF)
Currency: USD
DCF Assumptions
Decimal (e.g., 0.10 = 10%). Range allows declines (−50%) to strong growth (+50%).
Decimal (e.g., 0.30 = 30%).
Decimal (e.g., 0.04 = 4%).
Decimal (e.g., 0.20 = 20%).
Percent number (e.g., 3 = 3%).
Percent number (e.g., 10 = 10%).
Percent number (e.g., 5 = 5%).
DCF Result

Fair Value (DCF)
Current Price
Upside
WACC
Terminal PV
Σ PV of FCFs
Note: historical bars show reported FCF (for context); forward bars show PV of projected FCF; if no per-year data, totals are shown.

UMB Financial Corporation Logo UMB Financial Corporation Analysis (UMBF)

United States Financials Official Website Stock

Is UMB Financial Corporation a good investment? UMB Financial Corporation (UMBF) is currently trading at 147.04 USD. Market analysts have a consensus price target of 157.77 USD. This suggests a potential upside from current levels.

In terms of valuation, the stock trades at a P/E ratio of 12.60. This relatively low multiple may signal that UMB Financial Corporation is undervalued compared to historical market norms.

Earnings Schedule: UMB Financial Corporation is expected to release its next earnings report on Aug. 4, 2026. The market consensus estimate for Forward EPS is 13.77.

For income investors, UMB Financial Corporation pays a dividend yield of 1.15%. With a payout ratio of 16%, the dividend appears sustainable.

Investor FAQ

Does UMB Financial Corporation pay a dividend?

Yes, it pays an annual dividend of 1.69 USD (1.15% yield).

What asset class is UMB Financial Corporation?

UMB Financial Corporation is classified as a Stock. You can compare it against its peer in the "Related Symbols" list.

When is the next earnings date?

The next earnings date is projected to be Aug. 4, 2026. The company currently has a trailing EPS of 11.43.

Company Profile

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.

Exchange Ticker
NMS (United States) UMBF
Trades
Dividend Yield
1.15%
5y avg 1.66%
Annual Dividends
1.69USD
Next Ex. Div Date
Sept. 10, 2026
Payout Ratio
16.16%
Dividend History paid per year (USD)
Historical Dividends
Year Total Dividends
2027
1.37 USD
July 1, 2027 (estimated) 0.4560
April 1, 2027 (estimated) 0.4560
Jan. 4, 2027 (estimated) 0.4560
2026
1.79 USD
Oct. 1, 2026 0.5000
July 1, 2026 0.4300
April 1, 2026 0.4300
Jan. 2, 2026 0.4300
2025
1.60 USD
Oct. 1, 2025 0.4000
July 1, 2025 0.4000
April 1, 2025 0.4000
Jan. 2, 2025 0.4000
2024
1.56 USD
Oct. 1, 2024 0.3900
July 1, 2024 0.3900
April 1, 2024 0.3900
Jan. 2, 2024 0.3900
2023
1.52 USD
Oct. 2, 2023 0.3800
July 3, 2023 0.3800
April 3, 2023 0.3800
Jan. 3, 2023 0.3800
2022
1.48 USD
Oct. 3, 2022 0.3700
July 1, 2022 0.3700
April 1, 2022 0.3700
Jan. 3, 2022 0.3700
2021
1.33 USD
Oct. 1, 2021 0.3700
July 1, 2021 0.3200
April 1, 2021 0.3200
Jan. 4, 2021 0.3200
2020
1.24 USD
Oct. 1, 2020 0.3100
July 1, 2020 0.3100
April 1, 2020 0.3100
Jan. 2, 2020 0.3100
2019
1.20 USD
Oct. 1, 2019 0.3000
July 1, 2019 0.3000
April 1, 2019 0.3000
Jan. 2, 2019 0.3000
2018
1.15 USD
Oct. 1, 2018 0.2900
July 2, 2018 0.2900
April 2, 2018 0.2900
Jan. 2, 2018 0.2750
2017
1.02 USD
Oct. 2, 2017 0.2550
July 3, 2017 0.2550
April 3, 2017 0.2550
Jan. 3, 2017 0.2550
2016
0.98 USD
Oct. 3, 2016 0.2450
July 1, 2016 0.2450
April 1, 2016 0.2450
Jan. 4, 2016 0.2450
2015
0.94 USD
Oct. 1, 2015 0.2350
July 1, 2015 0.2350
April 1, 2015 0.2350
Jan. 2, 2015 0.2350
2014
0.90 USD
Oct. 1, 2014 0.2250
July 1, 2014 0.2250
April 1, 2014 0.2250
Jan. 2, 2014 0.2250
2013
0.65 USD
Oct. 1, 2013 0.2150
July 1, 2013 0.2150
April 1, 2013 0.2150
2012
1.04 USD
Dec. 28, 2012 0.2150
Oct. 1, 2012 0.2050
July 2, 2012 0.2050
April 2, 2012 0.2050
Jan. 3, 2012 0.2050
2011
0.59 USD
Oct. 3, 2011 0.1950
July 1, 2011 0.1950
April 1, 2011 0.1950
2010
0.94 USD
Dec. 30, 2010 0.1950
Oct. 1, 2010 0.1850
July 1, 2010 0.1850
April 1, 2010 0.1850
Jan. 4, 2010 0.1850
2009
0.70 USD
Oct. 1, 2009 0.1750
July 1, 2009 0.1750
April 1, 2009 0.1750
Jan. 2, 2009 0.1750
2008
0.63 USD
Oct. 1, 2008 0.1650
July 1, 2008 0.1650
April 1, 2008 0.1500
Jan. 2, 2008 0.1500
2007
0.55 USD
Oct. 1, 2007 0.1400
July 2, 2007 0.1400
April 2, 2007 0.1400
Jan. 2, 2007 0.1300
2006
0.39 USD
Oct. 2, 2006 0.1300
July 3, 2006 0.1300
March 9, 2006 0.1250
2005
0.45 USD
Dec. 9, 2005 0.1250
Sept. 8, 2005 0.1100
June 8, 2005 0.1100
March 9, 2005 0.1100
2004
0.43 USD
Dec. 9, 2004 0.1100
Sept. 9, 2004 0.1050
June 8, 2004 0.1050
March 9, 2004 0.1050
2003
0.41 USD
Dec. 10, 2003 0.1050
Sept. 10, 2003 0.1000
June 6, 2003 0.1000
March 7, 2003 0.1000
2002
0.40 USD
Dec. 10, 2002 0.1000
Sept. 11, 2002 0.1000
June 6, 2002 0.1000
March 7, 2002 0.1000
2001
0.29 USD
Dec. 10, 2001 0.1000
June 7, 2001 0.0952
March 8, 2001 0.0952
2000
0.38 USD
Dec. 8, 2000 0.0952
Sept. 12, 2000 0.0952
June 8, 2000 0.0952
March 8, 2000 0.0952
1999
0.35 USD
Dec. 9, 1999 0.0871
Sept. 9, 1999 0.0866
June 9, 1999 0.0866
March 10, 1999 0.0866
1998
0.33 USD
Dec. 10, 1998 0.0866
Sept. 9, 1998 0.0823
June 10, 1998 0.0823
March 11, 1998 0.0823
1997
0.32 USD
Dec. 9, 1997 0.0823
Sept. 10, 1997 0.0783
June 11, 1997 0.0783
March 12, 1997 0.0783
1996
0.31 USD
Dec. 9, 1996 0.0783
Sept. 11, 1996 0.0785
June 12, 1996 0.0785
March 13, 1996 0.0785
1995
0.31 USD
Dec. 11, 1995 0.0707
Sept. 13, 1995 0.0785
June 13, 1995 0.0785
March 9, 1995 0.0785
1994
0.39 USD
Dec. 6, 1994 0.0785
Sept. 12, 1994 0.0785
June 8, 1994 0.2297
1993
0.24 USD
Dec. 7, 1993 0.0785
Sept. 9, 1993 0.0785
March 9, 1993 0.0785
1992
0.31 USD
Dec. 8, 1992 0.0785
Sept. 9, 1992 0.0785
June 8, 1992 0.0785
March 6, 1992 0.0785
1991
0.24 USD
Dec. 9, 1991 0.0785
June 10, 1991 0.0785
March 11, 1991 0.0785
1990
0.31 USD
Dec. 10, 1990 0.0785
Sept. 11, 1990 0.0785
June 11, 1990 0.0785
March 9, 1990 0.0785
1989
0.34 USD
Dec. 8, 1989 0.1178
Sept. 11, 1989 0.0785
June 9, 1989 0.0785
March 13, 1989 0.0668
1988
0.27 USD
Dec. 9, 1988 0.0668
Sept. 12, 1988 0.0668
June 13, 1988 0.0668
March 10, 1988 0.0668
1987
0.27 USD
Dec. 8, 1987 0.0668
Sept. 10, 1987 0.0668
June 11, 1987 0.0668
March 12, 1987 0.0668
1986
0.07 USD
Dec. 9, 1986 0.0654
Upcoming Dividends
Name Payment Date Status Amount
UMB Financial Corporation Oct 01, 2026 Upcoming 0.5 USD
UMB Financial Corporation Jul 01, 2026 0.43 USD
UMB Financial Corporation Apr 01, 2026 0.43 USD
UMB Financial Corporation Jan 02, 2026 0.43 USD
UMB Financial Corporation Oct 01, 2025 0.4 USD
Stock Splits
Split Date Split Ratio to 1
Dec. 11, 1975 1.050000
Feb. 16, 1977 1.500000
Dec. 19, 1978 1.100000
Dec. 14, 1979 1.100000
Dec. 15, 1980 1.100000
Dec. 11, 1981 1.150000
Dec. 10, 1982 1.100000
Dec. 12, 1983 1.100000
Dec. 11, 1984 1.100000
Dec. 13, 1985 1.100000
Jan. 5, 1987 1.500000
Dec. 8, 1987 1.050000
Dec. 9, 1988 1.050000
Dec. 9, 1991 1.100000
June 8, 1994 1.100000
Dec. 11, 1995 1.100000
Dec. 9, 1996 1.050000
Dec. 9, 1997 1.050000
Dec. 9, 1999 1.100000
Dec. 10, 2001 1.050000
May 31, 2006 2.000000
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