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UMB Financial Corporation

UMBF

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Valuation & Multiples

Based on TTM earnings · Diluted shares

Market Cap$10.21B
EPS$13.37
P/E10.06
Div. Yield1.59%
Net Margin–
P/Book1.3x
UMB Financial Corporation intrinsic value
52-Week Range
$103.99$152.04

Profitability & Returns

Revenue

N/A

Net Income (TTM)

$1.03B

▲ +59.2% YoY

Net Margin

–

P/E

10.06

Balance Sheet

Total Assets

$72.74B

Equity

$7.85B

Total Debt

$333M

Cash & Equiv.

$4.60B

Continue Research

Peers

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Held by ETFs

UMBF is in 150 US ETFs. The largest of them, with UMBF's weight in each:

UMB Financial (UMBF) in four numbers

Fair value (book value)
$137.79
Price $134.47 is 2% below it.
Intrinsic Value
Quality score
54/100
Best check: book value growth, 23.3%. Weakest: share count change, 56.9%.
Quality
Dividend (TTM)
$1.79
1.59% yield, raised at least 17 years in a row.
Dividends
P/E
10.06
Price to free cash flow 8.95.
Financials

Questions about UMB Financial

Is UMB Financial (UMBF) overvalued?

At $134.47, UMB Financial's price is 2% below the $137.79 a share fair value that Intrinsiqq's calculator gets from its book value. It trades at 10.06 times earnings and 8.95 times free cash flow. The growth behind that figure is yours to set on the Intrinsic Value tab. See how to tell if a stock is overvalued.

What is UMB Financial's fair value?

Intrinsiqq's calculator puts UMB Financial's fair value at $137.79 a share. It grows book value per share 10.8% a year for 5 years, applies an exit P/B of 1.2, and works back at a 10% yearly return. A 25% margin of safety gives a buy-below price of $103.35. Every input can be changed on the Intrinsic Value tab.

Is UMB Financial a high-quality business?

UMB Financial scores 54 out of 100 on Intrinsiqq's quality score, which makes it a mixed business on these measures. The score blends 6 checks computed from SEC filings. Its best check is book value growth at 23.3%, and its weakest is share count change at 56.9%. The Quality tab shows every check against its target.

Does UMB Financial (UMBF) pay a dividend, and how much?

Yes. UMB Financial (UMBF) pays a dividend: $1.79 per share over the last twelve months, a dividend yield of 1.59% at the latest close. It has raised its dividend per share for at least 17 years in a row, growing at 5.5% a year over the last 5 years. The payout takes about 15.7% of earnings.

Source: 10-Q filed 26 Oct 2026 (period ending 30 Sept 2026), SEC. Price: last close 30 Oct 2026. How this is calculated. Sector medians are approximate S&P 500 benchmarks and update periodically. Analysis, not investment advice.

Spot a number that looks wrong? Check it in UMBF's SEC filings or

Download this analysis as a PDF (Pro)

Data sourced from SEC EDGAR filings and third-party price providers. Scores, valuations, and metrics are algorithmic estimates. This is not investment advice. See our Terms and Methodology.

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Intrinsiqq is a Netherlands-based company operating in Rotterdam, KvK 73238007.