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UMBF UMB FINANCIAL CORP

Trailing twelve months to 2026-06-30 · as filed 2026-07-30, not restated
Financials

Scale

Market cap
$10.9bn
Revenue TTM
$2.9bn
Net income TTM
$943m
Free cash flow
$1.0bn
Composite score
58.5
Sector rank
#674

Valuation

P / E
11.6
EV / EBITDA
EV / sales
2.0
FCF yield
9.52%
Earnings yield vs 10-yr
3.89pp

Earnings yield vs 10-yr compares what the business earns per pound invested against the 4.73% a 10-year US Treasury note pays for no equity risk. Negative means you are paying up front for growth not yet delivered.

Quality and growth

Net margin
32.3%
EBITDA margin
ROE
11.7%
ROIC
Revenue growth
39.3%

Insider activity, last 90 days

Net open-market
$-6.83m
Buyers
0
Sellers
11

Open-market purchases and sales only. Grants, option exercises, gifts and shares withheld for tax are excluded: they are how people are paid, not what they think.

What management said

The Company has identified and expects to continue identifying ongoing efficiencies through the normal course of business that, when combined with increased revenue, will contribute to improved operating leverage. During the second quarter of 2026, total revenue increased $88.8 million, or 12.9%, as compared to the second quarter of 2025, while noninterest expense increased $6.5 million, or 1.6%, for the same period. The change in net interest income was primarily driven by favorable repricing of deposits in conjunction with lower short-term interest rates, and increases of $4.2 billion, or 11.6%, in average loans and $2.2 billion, or 12.6%, in average securities. …UMB FINANCIAL CORP, 10-Q, period ended 2026-06-30, filed 2026-07-30

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