# UMB Financial share price today (UMB Financial Corporation, UMBF)

> UMB Financial Corporation's share price, valuation and earnings point in different directions. The next one or two quarters should make it clearer. UMBF · Financials · Banks - Regional · data as of 5 November 2026. Page: https://www.sectoralpha.in/us/stocks/umbf

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## Key numbers

- Business trend: Mixed, from the last 12 quarters
- Price: $134.70 (+23.6% in a year)
- P/BV: 1.4× (lower than 52% of the last 5.3 years)
- Revenue (Jun 2026): $750 M (+12.2% on a year ago)
- Profit (Jun 2026): $272 M (+26.2% on a year ago)
- Net margin: 36.2% (+4.0 points on a year ago)
- ROE: 14%, FY25
- ROA: 1.43%, latest

Biggest thing to watch: the price has already been rising for 31 weeks, so timing is the risk more than the business. ## What is the UMB Financial share price today? UMB Financial Corporation's share price was $134.70 at the close on 5 November 2026. It has been rising for 31 weeks. That is 2.4% above its average price over the last 200 trading days. In the last 52 weeks it traded between $108 and $152, and at that close it sat 60% of the way up from that low. Over the past 13 weeks it has done worse than the S&P 500, and it has been behind for 9 weeks running. Over the last 10 years the share price moved +152% while the S&P 500 moved +245%, so it is behind the index over that whole period. It was last ahead over 13 weeks in the week of 4 September 2026. The chart above shows the 13-week comparison for every week. This page treats a rise as over when the price closes below its 200-day average on two Fridays in a row. ## What dividend does UMB Financial pay? UMB Financial Corporation paid $1.69 per share over the last four reported quarters. The most recent declaration was $0.43 for Jun 2026. At today's price of $134.70 that is a yield of 1.25%, based on dividends already paid, not a forecast. ## Which stock lists is UMB Financial on? UMB Financial is not in the Nasdaq 100, the S&P 500 or the Dow Jones 30, and is not on the US tech stocks list. ## Is UMB Financial profitable? UMB Financial Corporation earned $272 M of net profit in the Jun 2026 quarter, +26.2% on the same quarter a year earlier. That is the 5th quarter in a row of profit growth. Full-year FY25 profit was $685 M. Over 4 years profit has grown 18.0% a year on average. That is 36.2% of the quarter's revenue. The same quarter a year earlier earned $215 M. For the full year, FY25 profit was $685 M (+55.2% on the year before). Why profit moved: revenue changed +12.2% on a year earlier and the margin moved +4.0 percentage points. Most of the change came from keeping more of each sale. On average over the last four quarters, profit changed +96.9% and revenue +49.6%. Profit is growing faster than sales: fixed costs are spread over more sales, so each extra dollar of revenue adds more to profit. ## How much revenue does UMB Financial make, and is it growing? UMB Financial Corporation reported $750 M of income in the Jun 2026 quarter, +12.2% on the same quarter a year earlier. That is the 12th quarter in a row with growth on the year before. Over 4 years it has grown 18.6% a year on average. The last full year, FY25, came in at $2.5 B. The last four reported quarters add to $2.8 B. FY25 revenue was $2.5 B, +59.3% on the year before. Recent pace: the last four quarters grew +49.6% on average, against 18.6% a year over the longer run, so this year is growing faster than its own long-run rate. Is growth speeding up? Revenue over the last 12 months grew +44.5%, against +37.7% a year over the last 8 quarters (accelerating); profit over the last 12 months grew +74.9%, against +55.6% a year (accelerating). ## How much does UMB Financial keep from what it earns? UMB Financial Corporation's net margin was 36.2% in the Jun 2026 quarter, 4.0 percentage points higher than the same quarter a year ago. Across 5 years it has been between 24.6% and 30.2%. The latest quarter is above every full year in that period. Why: the net margin move is clear, but the cost details behind it are not in our data, so we show the move without guessing the reason. ## How many of UMB Financial's loans have gone bad? UMB Financial Corporation does not report loan-quality figures this page can read, so this section says so rather than guess. No bad-loan figures are filed in a form this page can read, and none are guessed from the profit line. The income, margin and return sections carry what this business does report. Why: loan quality drives a lender, but its details (new bad loans, recoveries, money set aside) are not in our data for this company. The sections around this one carry what we can back up. ## How fast is UMB Financial's loan book growing? UMB Financial Corporation's revenue was $2.5 B in FY25, +59.3% on the year before, so the loan book is growing. The latest quarter was +12.2% on a year earlier. The net margin on that income is 36.2%, +4.0 percentage points on a year ago. Interest income stands in for the size of the loan book; changes in interest rates can move it a few points in any year. In short: a lender grows well when its loan book grows, its margin stays steady and its loans stay clean. Quarterly loan-quality figures are missing here, so revenue growth and margin are the two we watch. ## What is UMB Financial's P/BV ratio, and how does it compare with its own history? UMB Financial Corporation's P/BV is 1.4×, in the middle of its own history: higher than 48% of past readings. Its usual P/BV (the middle reading) is 1.4×, over 5.3 years of weekly prices. This compares the share price with the company’s own past. It does not say what the business is worth. Why the multiple is where it is: over the past year book value grew while the price moved +23.6%. Price and book value moved together, so the multiple stayed in its range. Where the price move came from: over 5 years the price moved +5.3% a year; about +9.6% a year came from book-value growth and about −4.3 percentage points from the multiple (the market paying less). The split is approximate (price return minus book-value growth). It shows how much of the move came from the market paying a different multiple. In short: the multiple is about average against its own past, so the book value trend underneath matters more than the multiple. ## Is the UMB Financial business getting better or worse? UMB Financial Corporation's business is giving mixed signals. Growth has been steadily positive, but ROE at 11.4% is below the 12% level needed to call it steady growth. This is based on 12 quarters of 4 measures. Why it matters: when the lines disagree, each line above matters more than any single label. ## How much does UMB Financial earn on its equity and assets? UMB Financial Corporation earned a return on equity of 9% in FY25. That is its lowest yearly reading on file. On its assets, every $100 earned about $1.43, before the effect of borrowing. For a lender the balance sheet is the business, so the return on equity and on assets have to be read together. That return is below the level a bank needs to grow its net worth quickly, which helps explain why its multiple is where it is. Why: the ROE chart shows the move, but the deposit-cost and bad-loan details behind it are not in our data. ## Does UMB Financial have too much debt? For a bank, borrowing is the raw material of the business, not a warning sign: it borrows money in order to lend it out. Its safety is read through its returns and its loans. Its safety is read from the bad-loan figures and the return on equity instead. For a manufacturer, debt is a claim on its profits. For a lender it is the stock it trades in, so the usual debt-to-equity test would mislead and is not used here. ## What is the UMB Financial shareholding pattern? 5.5% of UMB Financial Corporation's tradable shares are in short positions, which are bets that the price will fall, so some traders are betting against it. At normal trading volumes, closing those positions would take about 5.7 days. US companies do not publish a quarter-by-quarter list of owners, so this page uses short interest instead. It is a single reading at one point in time; we do not have its history. Why it is at this level: the figure does not say who holds the short positions or why, so we show the level without guessing the story. ## How far is UMB Financial from balance-sheet trouble? For UMB Financial Corporation, the Z-score is not used, because it was built for manufacturers, not lenders. For a lender, safety is read from its capital and bad-loan figures instead. ## How does UMB Financial rank in its industry? There is no score against its industry: UMB Financial Corporation is not among the largest members shown in this industry comparison for Banks - Regional. The score ranks a company within its industry: each measure is scored against the other members. Without that group there is no score, so none is shown. ## Which companies is UMB Financial compared with? No sector comparison is shown here, not among the largest members shown in this industry comparison. ## Which companies are close to UMB Financial in size? UMB Financial is the 33rd largest of 274 Banks - Regional companies on Sector Alpha by market value (scores of 5 November 2026). Just above it: Webster Financial Corporation, First Horizon Corporation and Wintrust Financial Corporation. Just below it: SouthState Bank Corporation, Popular, Inc. and Cullen/Frost Bankers, Inc. ### Banks - Regional companies close in size

1. [Webster Financial Corporation](https://www.sectoralpha.in/us/stocks/wbs) $12.6 billion
2. [First Horizon Corporation](https://www.sectoralpha.in/us/stocks/fhn) $11 billion
3. [Wintrust Financial Corporation](https://www.sectoralpha.in/us/stocks/wtfc) $10.2 billion
4. UMB Financial Corporation $10.2 billion
5. [SouthState Bank Corporation](https://www.sectoralpha.in/us/stocks/ssb) $10.1 billion
6. [Popular, Inc.](https://www.sectoralpha.in/us/stocks/bpop) $9.8 billion
7. [Cullen/Frost Bankers, Inc.](https://www.sectoralpha.in/us/stocks/cfr) $9.7 billion

[All 274 Banks - Regional companies, largest first](https://www.sectoralpha.in/us/sectors/banks-regional#all-companies)

### Companies close in size in other industries

1. [Avantor, Inc.](https://www.sectoralpha.in/us/stocks/avtr) $10.6 billion · Medical Instruments & Supplies
2. [Wintrust Financial Corporation](https://www.sectoralpha.in/us/stocks/wtfc) $10.5 billion · Banks - Regional
3. UMB Financial Corporation $10.5 billion
4. [Qiagen N.V.](https://www.sectoralpha.in/us/stocks/qgen) $10.5 billion · Diagnostics & Research
5. [Service Corporation International](https://www.sectoralpha.in/us/stocks/sci) $10.5 billion · Personal Services

## What else do people ask about UMB Financial? ### What were UMB Financial's latest quarterly results? UMB Financial Corporation reported total income of $750 M and net profit of $272 M for the Jun 2026 quarter. Income rose 12.2% and profit rose 26.2% compared with a year earlier. Earnings per share were $3.56. The net margin was 36.2%, 4.0 percentage points higher than a year earlier (as of 5 November 2026). ### What is UMB Financial's market cap? UMB Financial Corporation's market capitalisation is $10.2 B at a stock price of $134.70. Market cap is the share price times the number of shares, so it changes whenever the price moves (as of 5 November 2026). ### How is UMB Financial performing? UMB Financial Corporation's share price has been rising for 31 weeks. In its latest quarter, income rose 12.2% and profit rose 26.2% compared with a year earlier. Over the past 13 weeks it has done worse than the S&P 500, for 9 weeks running (as of 5 November 2026). ### Will UMB Financial's stock price go up? This page does not forecast UMB Financial Corporation's stock price. What it shows instead: the stock price is $134.70, and it has been rising for 31 weeks. Its P/BV of 1.4× is higher than 48% of its own last 5 years (as of 5 November 2026). ### Where is UMB Financial in its business cycle? UMB Financial Corporation's FY25 net margin was 27.4%, against a 5-year range of 24.6% to 30.2%: the middle of its own range, neither a peak nor a low. The latest quarter was 36.2%. Comparing margins with a company's own long history is a good way to see where it is in its cycle (as of 5 November 2026). ### What could break the UMB Financial story? Biggest thing to watch: the price has already been rising for 31 weeks, so timing is the risk more than the business. On price, this page treats a rise as over when the share price closes below its 200-day average on two Fridays in a row (as of 5 November 2026). ### Is UMB Financial a stock worth studying right now? What the numbers show: UMB Financial Corporation's share price, valuation and earnings point in different directions. The next one or two quarters should make it clearer. The main open question: the next one or two quarters of results. Every number on this page is worked out by code from the published figures, with no forecasts and no price opinions (as of 5 November 2026). This is research, not advice. We’re not SEBI-registered.