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Kansas City regional bank holding company offering commercial banking plus institutional banking and fund/asset servicing.
Kansas City regional bank holding company offering commercial banking plus institutional banking and fund/asset servicing.
Earns the spread between loan interest and deposit costs, plus fees from servicing mutual funds and other institutional clients and from health-savings accounts, which gives fee income less tied to rates. Its 2025 agreement to buy Heartland Financial widened its bank footprint across the Midwest and West.
Moat: narrow (scale, switching costs, distribution). Niche institutional banking and fund-services business layered on a traditional Midwest bank.
Headquarters: Kansas City, Missouri, USA · Founded: 1913 · Employees: 5,222
Size UMB Financial (UMBF) is a United States Financials company (Major Banks) with a market value of $10.2B, the 768th largest of 3,117 United States companies the cockpit tracks. Shares closed at $133.77 on 6 Nov 2026.
Performance Over six months the shares gained 1.8%, against +1.6% for the median peer and -1.1% for the United States market (cap-weighted) — 11th highest of 21 in its peer set.
Growth Revenue grew 16.7% over the last twelve months (peer median +3.8%); the operating margin is 43.2% (peer median 40.7%).
Valuation It trades at 1.34× book value against a peer median of 1.10× (5th most expensive of 21).
Price implies The share price implies a return on equity of about 11.2%; UMB Financial delivers 13.5%, so the price asks less than the business earns today.
Short interest Short interest is 5.3% of the free float (15 Oct 2026).
Next results Next results expected around 26 Jan 2027 (exchange calendar; dates can move).
| TTM | FY2025 | FY2024 | FY2023 | FY2022 | |
|---|---|---|---|---|---|
| Revenue | $4.39B | $4.13B | $2.80B | $2.38B | $1.70B |
| Revenue growth | — | +47% | +17% | +40% | — |
| Net income | $1.03B | $702M | $441M | $350M | $432M |
| Free cash flow | $1.16B | $972M | $120M | $378M | $656M |
| Capital expenditure | $81.3M | $84.6M | $24.2M | $29.9M | $51.7M |
| Total debt | $3.57B | $3.87B | $3.05B | $4.36B | $2.67B |
The default views of Competitor Analysis ▸ Charts, drawn from the same data. Open them in the cockpit to change the axes, pin companies and read every value.
| Company | Market cap | 6M return | Revenue growth | ROE | Price / book | Implied ROE |
|---|---|---|---|---|---|---|
| UMB Financial UMBF | $10.2B | +2% | +17% | 14% | 1.34× | 11.2% |
| Commerce Bancshares CBSH | $7.82B | +6% | +9% | 15% | 1.87× | 12.1% |
| BOK Financial BOKF | $7.87B | -2% | +3% | 11% | 1.33× | 10.6% |
| Old National Bancorp ONB | $9.43B | +3% | +18% | 12% | 1.17× | 10.3% |
Peer set: Industry: the same industry and sector in any market, nearest in size. This is the same default set the interactive Competitor Analysis opens with.
| Measure | UMBF | Peer median | Rank in peer set |
|---|---|---|---|
| 1-month return | +2.6% | +2.7% | 11th highest of 21 |
| 6-month return | +1.8% | +1.6% | 11th highest of 21 |
| Return on equity | 13.5% | 10.3% | 4th highest of 21 |
| Price / book | 1.34× | 1.10× | 5th most expensive of 21 |
| Trailing P/E | 10.1× | 11.1× | 8th cheapest of 21 |
| ROE the price implies | 11.2% | 9.8% | 8th most demanding of 21 |
| ROE delivered | 13.5% | 10.3% | 4th highest of 21 |
| Company | Market | Market cap | 6M return | Revenue growth | ROE | Price / book | Implied ROE | Delivered ROE |
|---|---|---|---|---|---|---|---|---|
| UMB Financial UMBF | United States | $10.2B | +2% | +17% | 14% | 1.34× | 11.2% | 13.5% |
| SouthState Bank SSB | United States | $10.1B | +8% | +18% | 10% | 1.11× | 9.3% | 10.3% |
| Shinkin Central Bank Pfd Subs Cert 8421.T | Japan | $10.3B | -1% | +47% | 3% | 1.02× | 4.4% | 3.0% |
| Zions Bancorporation NA Depositary Shs Repr 1/40th Int Ser A Flt Rt Non Cum Perp Pfd ZIONP | United States | $9.72B | -16% | +4% | 16% | 0.31× | 4.0% | 16.5% |
| Unicaja Banco UNI.MC | Spain | $9.53B | +20% | -3% | 10% | 1.34× | 12.2% | 10.1% |
| Old National Bancorp ONB | United States | $9.43B | +3% | +18% | 12% | 1.17× | 10.3% | 11.5% |
| AL Sydbank A/S ALSYDB.CO | Denmark | $9.20B | +37% | +27% | 10% | 1.78× | 6.3% | 9.6% |
| China Zheshang Bank 601916.SS | China | $11.2B | -2% | -4% | 7% | 0.44× | 2.0% | 7.2% |
| IDBI Bank IDBI.NS | India | $9.04B | +5% | +3% | 12% | 1.18× | 26.1% | 11.8% |
| Jyske Bank A/S JYSK.CO | Denmark | $9.02B | +25% | +3% | 10% | 1.32× | 5.3% | 10.3% |
| Federal Bank Ltd. (India) FEDERALBNK.NS | India | $8.81B | +14% | +11% | 13% | 1.97× | 27.7% | 13.1% |
| Canara Bank CANBK.NS | India | $11.8B | -10% | -7% | 17% | 0.87× | 17.1% | 16.8% |
| Huishang Bank 3698.HK | Hong Kong | $8.31B | -8% | +1% | 11% | 0.36× | 3.8% | 10.7% |
| Indian Bank INDIANB.NS | India | $12.9B | +5% | +12% | 16% | 1.40× | 18.5% | 16.1% |
| Shanghai Rural Commercial Bank 601825.SS | China | $13.1B | +1% | -8% | 10% | 0.65× | 2.5% | 9.6% |
| BOK Financial BOKF | United States | $7.87B | -2% | +3% | 11% | 1.33× | 10.6% | 11.2% |
| Fukuoka Financial 8354.T | Japan | $7.75B | 0% | +22% | 9% | 1.08× | 7.0% | 8.7% |
| Valley National Bancorp VLY | United States | $7.75B | +5% | +3% | 9% | 1.03× | 10.6% | 9.4% |
| Mebuki Financial 7167.T | Japan | $7.57B | +6% | +25% | 9% | 1.16× | 6.2% | 9.2% |
| Bank of Baroda BANKBARODA.NS | India | $13.7B | -7% | +8% | 12% | 0.74× | 13.2% | 11.8% |
| IndusInd Bank INDUSINDBK.NS | India | $7.48B | -4% | -2% | 5% | 1.04× | 17.8% | 4.5% |