← UMB FINANCIAL CORP UMBF
Market Price
$152.10
Market Cap
$11.47B
P/E Ratio
16.37
Revenue (FY 2025)
↑62.8% YoY
$2.65B
3-Yr CAGR: 21.8%
Net Income
↑59.2% YoY
$702.40M
Net Margin: 26.5%
Free Cash Flow
↑386.4% YoY
$978.11M
FCF Yield: 8.53%
EPS (Diluted)
↑3.3% YoY
$9.29
Basic: $9.35
Return on Equity
Efficiency
9.1%
ROA: 1.0%
📊 Multi-Year Historical Performance & Trends
Financial Performance History
Revenue, Net Income & Free Cash Flow
Margins Trend (%)
Gross, Operating & Net Margins
Balance Sheet Strength
Cash, Debt & Equity
Cash Flow Generation
Operating Cash Flow vs CapEx vs FCF
📈 Year-over-Year (YoY) Growth History (UMBF)
All monetary values in millions ($M)| Fiscal Year | Revenue | Revenue YoY | Gross Profit | Net Income | Net Inc YoY | Diluted EPS | EPS YoY | Op. Cash Flow | Free Cash Flow | FCF YoY |
|---|---|---|---|---|---|---|---|---|---|---|
| FY 2016 | $611.7M | — | $159.8M | $158.8M | — | $3.22 | — | $296.4M | $245.6M | — |
| FY 2017 | $664.9M | +8.7% | $233.9M | $247.1M | +55.6% | $4.96 | +54.0% | $326.5M | $290.1M | +18.1% |
| FY 2018 | $705.4M | +6.1% | $270.3M | $195.5M | -20.9% | $3.93 | -20.8% | $297.1M | $239.2M | -17.6% |
| FY 2019 | $781.3M | +10.7% | $301.1M | $243.6M | +24.6% | $4.96 | +26.2% | $341.4M | $269.1M | +12.5% |
| FY 2020 | $959.5M | +22.8% | $448.5M | $286.5M | +17.6% | $5.93 | +19.6% | $373.6M | $313.4M | +16.5% |
| FY 2021 | $1,282.7M | +33.7% | $763.3M | $353.0M | +23.2% | $7.24 | +22.1% | $534.1M | $500.4M | +59.7% |
| FY 2022 | $1,468.0M | +14.4% | $930.0M | $431.7M | +22.3% | $8.86 | +22.4% | $769.6M | $717.8M | +43.5% |
| FY 2023 | $1,462.0M | -0.4% | $891.7M | $350.0M | -18.9% | $7.18 | -19.0% | $472.6M | $445.7M | -37.9% |
| FY 2024 | $1,629.0M | +11.4% | $1,020.3M | $441.2M | +26.1% | $8.99 | +25.2% | $225.3M | $201.1M | -54.9% |
| FY 2025 | $2,652.3M | +62.8% | $1,739.9M | $702.4M | +59.2% | $9.29 | +3.3% | $1,026.7M | $978.1M | +386.4% |
Valuation
Market Price
$152.10
Market Cap
$11.47B
Enterprise Value
$4.17B
P/E Ratio
16.37
P/B Ratio
1.50
FCF Yield
8.53%
Dividend Yield
N/A
Shares Outstanding
Profitability & Margins
Gross Margin
65.60%
Operating Margin
32.99%
Net Margin
26.48%
Return on Equity (ROE)
9.13%
Return on Assets (ROA)
0.96%
Asset Turnover
0.04x
Revenue 3-Yr CAGR
21.79%
Financial Health & Liquidity
Current Ratio
N/A
Cash Ratio
N/A
Debt / Equity
0.062
Debt / Assets
0.006
Cash & Equivalents
$7.77B
Total Debt
$474.23M
Book Value / Share
$101.26
Cash Flow Efficiency
Operating Cash Flow
$1.03B
Capital Expenditures (CapEx)
$48.58M
Free Cash Flow
$978.11M
OCF / Revenue
38.71%
FCF / Revenue
36.88%
FCF 3-Yr CAGR
10.86%
Per Share Metrics
EPS (Diluted)
$9.29
EPS (Basic)
$9.35
Dividends / Share
N/A
Book Value / Share
$101.26
EPS YoY Growth
3.34%
Balance Sheet (FY 2025)
Total Assets
$73.09B
Total Liabilities
$65.40B
Stockholders' Equity
$7.69B
Current Assets
N/A
Current Liabilities
N/A