Terminal
Stocks
Spotlight
Research

Stocks
Financial Services
NASDAQ
UMBF

Market Cap: $10.59B

UC

UMB Financial Corporation

UMBF

NASDAQ (NASDAQ Global Select)USD

Overview News Analyst Reports Financials Politician Trades Insider Trades Executive Patents Earnings Surprise

By Cashu Finance. Providing market news, analysis, and research for investors worldwide.

Company

Stocks About Advertisers Brokers Contact

Legal

Terms of Service Privacy Policy

© 2026 Cashu Technologies Pty Ltd. All rights reserved. Cashu Finance is a trademark of Cashu Technologies Pty Ltd.

The content published on Cashu Finance is for informational purposes only and should not be construed as investment advice, a recommendation, or an offer to buy or sell any securities. All opinions expressed are those of the authors and do not reflect the official position of Cashu Technologies Pty Ltd or its affiliates. Past performance is not indicative of future results. Investing involves risk, including the possible loss of principal. Always conduct your own research and consult with a qualified financial advisor before making any investment decisions.

Cashu Finance and its contributors may hold positions in securities mentioned in published content. Any such holdings will be disclosed at the time of publication. Market data is provided on an "as-is" basis and may be delayed. Cashu Technologies Pty Ltd does not guarantee the accuracy, completeness, or timeliness of any information presented.

Financials

Profitability

Gross Profit Margin58.45%

EBITDA Margin25.44%

EBIT Margin22.12%

Pre-tax Margin26.06%

Net Profit Margin20.67%

Earnings Yield8.90%

Valuation Multiples

Price / Book1.32

Price / Sales2.32

Price / Earnings11.55

PEG0.31

Forward PEG2.12

EV / Sales2.93

EV / EBITDA11.53

EV / Operating Cash Flow12.29

EV / Free Cash Flow12.58

Price / Free Cash Flow9.96

Price / Operating Cash Flow9.73

Cash Flow & Capital

Free Cash Flow / Share$14

Operating Cash Flow / Share$14.33

Free Cash Flow Yield10.04%

Capex / Revenue0.55%

Capex / Operating Cash Flow2.31%

Capex / Depreciation0.17

Stock Compensation / Revenue0.87%

Dividend Payout Ratio16.16%

Dividend Yield1.28%

Liquidity & Leverage

Current Ratio0.25

Quick Ratio0.25

Cash Ratio0.25

Debt / Assets0.05

Debt / Capital0.31

Debt / Equity0.44

Long-Term Debt / Capital0.06

Debt / Market Cap33.64%

Net Debt / EBITDA2.40

Solvency Ratio0.02

Financial Leverage9.00

Efficiency & Working Capital

Asset Turnover0.06

Fixed Asset Turnover11.48

Inventory Turnover0.00

Receivables Turnover0.00

Payables Turnover0.00

Days Sales Outstanding0

Days Inventory Outstanding0

Days Payables Outstanding0

Operating Cycle0

Cash Conversion Cycle0

Working Capital Turnover-1.78

Returns & Quality

Return on Equity12.17%

Return on Assets1.30%

Return on Invested Capital1.11%

ROCE1.46%

Return on Tangible Assets1.35%

Operating Return on Assets1.39%

Income Quality1.16

Tax Burden0.79

Interest Burden1.18

Balance Sheet & Intrinsic Metrics

Enterprise Value$13.38B

Invested Capital$371.17M

Working Capital$-2.3B

Tangible Asset Value$5.75B

Net Current Asset Value$-63.44B

Graham Number$171.79

Graham Net-Net-$835.1

Book Value / Share$105.71

Tangible Book Value / Share$75.73

Cash / Share$10.27

Financial Health Scores

Piotroski Score7

Altman Z-Score0.25

Revenue$4.56B

EBIT$1.01B

Market Cap$10.59B

Working Capital$-2.3B

Retained Earnings$4.2B

Total Assets$72.26B

Total Liabilities$64.22B