UMB Financial Corporation
UMBFFinancial ServicesNASDAQBanks - Regional · Last scanned Jun 3, 2026
Scan Results
Daily timeframeUMB Financial Corporation operates as a bank holding company that provides banking services and asset servicing in the United States and internationally. The $9.82B market capitalization puts UMBF squarely in mid-cap range for its industry. The company operates through three segments: Commercial Banking, Institutional Banking, and Personal Banking.
Market Cap
$9.82B
Beta
0.79
P/E (TTM)
11.30
P/E (Fwd)
9.43
EPS (TTM)
$11.43
EPS (Fwd)
$13.70
ROE
12.1%
ROA
1.2%
Cash
$2.68B
Total Debt
$4.17B
Free CF
—
52W Change
26.7%
Annual Financials
Cash vs Debt
On the balance sheet, UMBF has $2.68B in cash with $4.17B in obligations. The ability to service this debt comfortably depends on continued operational cash generation. Return on equity stands at 12.1%, which is decent for the sector. ROE measures how effectively a company uses shareholder capital to generate profits. ROA of 1.2% is on the lower side, which is common in asset-heavy industries. Revenue has grown from $1.36B (2022) to $2.43B (2025), reflecting a 79% increase over the period.
Investors considering UMB Financial Corporation should weigh the typical risks associated with UMBF's sector, size, and financial profile against their own risk tolerance and investment objectives. Understanding these risk dimensions helps frame what to watch going forward as conditions evolve for UMB Financial Corporation and its sector.