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UMB Financial

NSQ:UMBF · US9027881088
BanksSmall

360

80
Profit price76
Cash yield29
Price/Sales35
EV / Gross Profit62
Price/Book41
Returns on capital71
Profit margins—
Cash Conversion65
Accruals7
Owner Earnings Margin71
Sales growth51
Profit Growth91
Long-Term EPS Growth47
Owner Earnings Growth97
Reinvestment24
Price momentum49
Debt load26
Debt serviceability89
Liquidity43
Analyst ratings75
Opinion Changes50
Price Target Upside71
Market mood79
Value Creation20/20strong value creator
  • Creates more value than its capital costs
  • Owner earnings growing
  • Owner earnings per share growing
  • Reinvests at strong returns
  • Solid earnings base

What this means

UMB Financial generates returns well above its cost of capital, the foundation of durable shareholder value.

Based on 3/5 components.

Profile

CountryUSA
IndustryBanks
SizeSmall
TypePublic Company
ExchangeNASDAQGS
Founded1967
Employees3,815
Websiteumb.com
ISINUS9027881088
Last UpdateApr 2, 2026
Indices
NASDAQ (USA)S&P MIDCAP (USA)D.J. US Regional Banks
Themes
BankingFinanceFinancial Services

Description

UMB Financial Corporation is a financial holding company. The company provides banking services and asset servicing to its customers in the United States and around the globe. The company is registered as a bank holding company under the Bank Holdi…

Analysis

Middle-of-the-road

UMB Financial Corporation sits in the middle of our grid: average quality, average price, no obvious signal in either direction.

On valuation, the picture is attractive. The owner-earnings multiple stands at 10.2×; owner earnings: the cash an owner could take out each year. The implied growth embedded in that price is around -3% a year, against analyst forecasts of 13%. The price, in other words, assumes less than the experts do.

Growth is solid; the safety picture is adequate. The company scores 20/20 on our value-creation score: strong value creator. Analysts lean positive.

No flags apply to this company at this time: accounts, balance sheet, and cash quality all pass. A clean bill of health is meaningful, not just the absence of a warning. This analysis describes numbers; it is not investment advice.

360° rank · history

1007550250
70
2023202420252026

All-time high

82

Jul 2024

All-time low

8

Oct 2025

Average rank

38

across all years

Detailed & Historical Ranks

Deep dive into 15 detailed ranks and 3 years of history.

Current202520242023
Price/Sales
35
49
57
43
Price/Earnings
46
51
45
25
Price/Book
41
28
24
25
Dividend Yield
29
14
10
16
Value (overall)
28
26
21
26

Cells are coloured by rank band (red weak → green strong). Sentiment & 360° history begins 2023.

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Make Sense of the Ranks

Every rank runs 1–100 against true peers. Higher is always better.

360° View
1 · Watch OutGood· 100
Value
1 · ExpensiveGood Value· 100
Quality
1 · Weak FundamentalsHigh Quality· 100
Growth
1 · Tough TimesHigh Growth· 100
Safety
1 · High LeverageWell-Financed· 100
Sentiment
1 · SkepticismPositive· 100
Learn More →