# UMB Financial Corporation (UMBF) fundamentals

Data as of 2026-09-08. NASDAQ, United States. Sector: Financial Services / Banks. Price $143.76, market value $10.9 billion.

## Valuation
- **P/E (trailing): 12.0×** (5-yr avg 11.6×, 3-yr avg 11.9×). UMB Financial Corporation trades at 12.0× trailing earnings, close to its own five-year average of 11.6×. The Financial Services median in the September 2026 study was 13.1×. Forward P/E is 10.3×, lower than trailing, so analysts expect earnings to grow.
- **PEG: 3.09**. A PEG of 3.09 means the P/E is high relative to expected earnings growth; the price already assumes a lot.
- **Price / book: 1.5×**. The shares trade at 1.5× book value; book value is a meaningful part of the valuation.
- **Free-cash-flow yield: 9.5%** (5-yr avg 11.2%). Free cash flow equals 9.5% of the market value, in line with its five-year average of 11.2%. Above 5% is generally attractive.
- **Earnings yield: 8.4%**. The inverse of the P/E: 8.4% of the price is earned each year.

## Profitability
- **Return on equity: 9.1%**. 9.1% on shareholders' equity is weak; the business earns little on the capital its owners have in it.

## Growth
- **EPS growth (1 yr): 3.3%** (3-yr 1.6%/yr, 5-yr 9.4%/yr). Earnings per share rose 3.3%.
- **Free-cash-flow growth (3 yr): 10.9%/yr**. Free cash flow has compounded at 10.9% a year over three years, keeping pace with earnings: the growth is real cash.

## Financial health
- **Piotroski F-score: 5/9**. 5 of 9 checks pass: mixed.
- **Cash and short-term investments: $7.8 billion**. Leverage ratios are shown differently for banks and insurers, whose balance sheets are built on deposits and reserves; use return on equity and the regulatory capital in the filings instead.

## Dividends
- **Dividend yield: 1.39%** ($1.69 per share, trailing). UMB Financial Corporation yields 1.39%, a modest yield more typical of a growth-oriented payer.
- **Payout ratio: 19%** (15% of free cash flow). 19% of earnings goes out as dividends, leaving room to keep raising it.
- **Consecutive years of increases: 24**. 24 straight years of increases, a record that survived at least one recession.
- **Dividend growth (5 yr): 5.5%/yr** (1-yr 3.8%). The dividend has grown 5.5% a year over five years.

## Analyst view
- **Analyst consensus: buy** (15 analysts). 15 analysts cover UMB Financial Corporation; the consensus is buy, with an average price target of $168.00 (+17% from the current price). Analyst opinion is shown for context; it is not part of the Fundamental Score.

## Price and momentum
- **Total return (1 yr): 17.9%** (YTD 25.8%, 3-mo 11.0%). The shares are up 17.9% over twelve months including dividends.
- **From 52-week high: -6.2%** (39.1% above the low). Trading 6% below its 52-week high.
- **200-day average: above**. The price sits above its 200-day moving average, the usual definition of an uptrend.
- **RSI (14-day): 49**. An RSI of 49 is neutral.
- **Beta (1 yr): 0.83** (volatility 26%). Beta of 0.83 against the S&P 500: the shares move roughly with the market.

Live score and charts: https://foliofundamentals.com/analyzer?s=UMBF · Page: https://foliofundamentals.com/stocks/umbf

Not investment advice.