UMB Financial (UMBF) Stock Analysis

November 11, 2026

This is a peer-relative look at UMB Financial (UMBF): its performance, risk, profitability, growth, financial strength, dividend, and valuation are each measured against its Banks peers, so every number reads in context rather than in isolation.

Company Profile

Company profile fields for UMB Financial (UMBF)
Profile Item	UMBF
Name	UMB Financial Corporation
Country/Region	United States
GICS Sector	Financials
GICS Industry Group	Banks
GICS Industry	Banks
GICS Sub-Industry	Regional Banks
Market Capitalization	10.16 billion USD
Currency	USD
Exchange	Nasdaq
Listing Date	March 17, 1980
Security Type	Common Stock

Price Performance

Cumulative Growth

UMBF

GSPC

UMB Financial (UMBF) vs. S&P 500 (GSPC): Growth of a $10,000 investment over the past five years. Adjusted for dividends and splits.

Trailing Returns

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Trailing total returns for UMB Financial (UMBF) and S&P 500 (GSPC). Returns over one year are annualized.

Calendar-Year Returns

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Calendar-year total returns for UMB Financial (UMBF) and S&P 500 (GSPC). Each bar is that year's total return, measured year-end to year-end.

Performance Metrics

UMB Financial (UMBF) metric values compared with Banks industry-group medians
Metric	Current stock: UMBF	Industry group median
Total Return (1Y)	28.13%	30.28%
Total Return (3Y, Annualized)	29.84%	26.57%
Total Return (5Y, Annualized)	7.39%	9.43%

Risk Profile

Drawdown History

UMBF

GSPC

UMB Financial (UMBF) vs. S&P 500 (GSPC): Drawdown from the running peak over the past five years. Each line shows the decline from its prior peak; 0% marks a new high.

Return Distribution

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Distribution of monthly total returns for UMB Financial (UMBF) and S&P 500 (GSPC). Each bar is the share of months whose return fell in that 5% bucket.

Risk Metrics

UMB Financial (UMBF) metric values compared with Banks industry-group medians
Metric	Current stock: UMBF	Industry group median
Volatility (1Y, Annualized)	24.80%	24.34%
Beta (5Y)	0.83	0.72
Max Drawdown (5Y)	-50.25%	-43.36%

Risk-Adjusted Performance

Risk-Return Positioning

Each dot is a stock plotted by 1-year volatility (risk) and 1-year return. UMBF is highlighted; the dashed line is the Capital Allocation Line from the risk-free rate through the industry median — dots above it are stronger on a risk-adjusted basis.

Risk-Adjusted Metrics

UMB Financial (UMBF) metric values compared with Banks industry-group medians
Metric	Current stock: UMBF	Industry group median
Sharpe Ratio (1Y)	0.96	1.08
Sortino Ratio (1Y)	1.45	1.61

Profitability

ROE (TTM)

UMB Financial (UMBF) posts ROE of 13.50%, roughly around the peer group’s normal range. Shareholders’ equity is producing a return that looks broadly typical for the industry.

UMBF

Banks industry group

13.50%

Group distribution

Max: 19.84%
Q3: 13.67%
UMBF: 13.50%
Median: 11.49%
Q1: 9.50%
Min: 3.64%

Largest peers

JPM: 18.01%
RY: 16.21%
HSBC: 14.22%
UMBF: 13.50%
WFC: 12.91%
BAC: 10.73%
MUFG: 9.46%

Where UMB Financial (UMBF) stands on ROE within its Banks peer group — the box is the group’s distribution and the dots its largest members.

Net Margin (TTM)

UMB Financial (UMBF) keeps 35.61% of revenue as net profit, putting net margin in the upper peer quartile. After operating costs, interest, and taxes, more of each sales dollar reaches shareholders than it does at most industry peers.

UMBF

Banks industry group

35.61%

Group distribution

Max: 47.19%
UMBF: 35.61%
Q3: 35.25%
Median: 31.21%
Q1: 27.11%
Min: 14.93%

Largest peers

HSBC: 41.16%
UMBF: 35.61%
JPM: 34.59%
RY: 33.87%
BAC: 28.06%
WFC: 27.64%
MUFG: 27.45%

Where UMB Financial (UMBF) stands on net margin within its Banks peer group — the box is the group’s distribution and the dots its largest members.

Operating Margin (TTM)

operating margin is set aside for UMB Financial (UMBF) in Banks: the operating-income line is not a clean boundary for this business model, so net margin, ROE, FFO, or industry-specific measures may be more useful.

Profitability Metrics

UMB Financial (UMBF) metric values compared with Banks industry-group medians
Metric	Current stock: UMBF	Industry group median
ROE (TTM)	13.50%	11.49%
ROA (TTM)	1.43%	1.24%
Net Margin (TTM)	35.61%	31.21%
Operating Margin (TTM)	--	--
Gross Margin (TTM)	--	--

Growth

Revenue Growth

UMB Financial (UMBF) grew revenue 65.66%, above the industry benchmark range. Demand is expanding faster than at any typical peer, though growth that far ahead of the group is worth checking for acquisitions or other one-off contributions.

UMB Financial (UMBF): Revenue Growth across different time periods, set against Banks industry-group medians.

EPS Growth

UMB Financial (UMBF) grew earnings per share 3.34%, in the lower peer quartile. Per-share profits are advancing more slowly than at most peers, so margins, costs, or share count deserve a closer look.

UMB Financial (UMBF): EPS Growth across different time periods, set against Banks industry-group medians.

Growth Metrics

UMB Financial (UMBF) metric values compared with Banks industry-group medians
Metric	Current stock: UMBF	Industry group median
Revenue Growth (YoY)	65.66%	11.23%
Revenue Growth (3Y CAGR)	21.36%	6.33%
EPS Growth (YoY)	3.34%	16.14%
EPS Growth (3Y CAGR)	1.59%	3.15%

Financial Strength

Current Ratio (MRQ)

current ratio is set aside for UMB Financial (UMBF) in Banks: these balance sheets are not best read through a current/non-current split, so regulatory, funding, or liquidity-coverage measures usually matter more.

Debt / Equity (MRQ)

debt-to-equity ratio is set aside for UMB Financial (UMBF) in Banks: leverage is part of the business model itself, so capital adequacy, funding mix, and regulatory measures are usually better risk gauges.

Financial Strength Metrics

UMB Financial (UMBF) metric values compared with Banks industry-group medians
Metric	Current stock: UMBF	Industry group median
Current Ratio (MRQ)	--	--
Debt / Equity (MRQ)	--	--
Net Debt / EBITDA	--	--

Dividends

Dividend Yield (TTM)

UMB Financial (UMBF) has dividend yield of 1.33%, in the industry’s normal income range. It provides a meaningful dividend without the red flag of an unusually high headline yield.

UMBF

Banks industry group

1.33%

Group distribution

Max: 5.79%
Q3: 3.18%
Median: 2.39%
UMBF: 1.33%
Q1: 1.20%
Min: 0.00%

Largest peers

MUFG: 406.81%
RY: 3.23%
BAC: 2.33%
WFC: 2.19%
JPM: 1.82%
UMBF: 1.33%
HSBC: 0.86%

Where UMB Financial (UMBF) stands on dividend yield within its Banks peer group — the box is the group’s distribution and the dots its largest members.

Dividend Payout Ratio (TTM)

UMB Financial (UMBF) has payout ratio of 13.54%, below the peer payout band. More earnings are being kept inside the business, but that is a dividend-policy choice rather than a coverage advantage on its own.

UMBF

Banks industry group

13.54%

Group distribution

Max: 70.75%
Q3: 41.28%
Median: 29.26%
Q1: 18.98%
UMBF: 13.54%
Min: 0.00%

Largest peers

HSBC: 53.57%
RY: 41.49%
MUFG: 34.74%
BAC: 27.62%
WFC: 26.09%
JPM: 25.80%
UMBF: 13.54%

Where UMB Financial (UMBF) stands on payout ratio within its Banks peer group — the box is the group’s distribution and the dots its largest members.

Dividend Metrics

UMB Financial (UMBF) metric values compared with Banks industry-group medians
Metric	Current stock: UMBF	Industry group median
Dividend Yield (TTM)	1.33%	2.39%
Dividend Payout Ratio (TTM)	13.54%	29.26%

Valuation

P/E Ratio (TTM)

UMB Financial (UMBF) trades at P/E ratio of 10.12, in the cheaper earnings-multiple quartile for its industry. Investors are paying less for each dollar of TTM earnings than they usually pay for comparable businesses.

UMBF

Banks industry group

10.12

Group distribution

Max: 18.16
Q3: 13.75
Median: 11.81
Q1: 10.64
UMBF: 10.12
Min: 6.49

Largest peers

RY: 17.58
JPM: 14.03
MUFG: 13.71
WFC: 11.84
BAC: 11.79
HSBC: 11.38
UMBF: 10.12

Where UMB Financial (UMBF) stands on P/E ratio within its Banks peer group — the box is the group’s distribution and the dots its largest members.

P/S Ratio (TTM)

P/S ratio is not assessed for UMB Financial (UMBF) in Banks: the revenue line is driven by spread economics rather than conventional product or service sales, so book value or earnings usually carry more weight.

P/B Ratio (MRQ)

UMB Financial (UMBF) trades at 1.34 on P/B ratio, roughly in line with the industry’s normal price-to-book range. Its balance sheet is not being priced at a clear discount or premium versus peers.

UMBF

Banks industry group

1.34

Group distribution

Max: 2.28
Q3: 1.58
UMBF: 1.34
Median: 1.32
Q1: 1.10
Min: 0.59

Largest peers

HSBC: 6.87
RY: 2.92
JPM: 2.53
MUFG: 1.64
WFC: 1.59
UMBF: 1.34
BAC: 1.26

Where UMB Financial (UMBF) stands on P/B ratio within its Banks peer group — the box is the group’s distribution and the dots its largest members.

Valuation Metrics

UMB Financial (UMBF) metric values compared with Banks industry-group medians
Metric	Current stock: UMBF	Industry group median
P/E Ratio (TTM)	10.12	11.81
P/S Ratio (TTM)	--	--
P/B Ratio (MRQ)	1.34	1.32
Free Cash Flow Yield (TTM)	--	--