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UMB Financial

UMBF

UMB Financial Corp is a financial holding company that provides comprehensive banking services and asset servicing to customers across the United States and globally.

Market cap
$9.86B+9.1%
Revenue$2.9B+39.3%
Net income$942.7M+78.4%
Free cash flow$1.0B+22.5%
EPS (diluted)$12.03+38.4%
Trailing twelve months · change vs. prior year

Earnings

Next report

Oct 27, 2026 (In 3 weeks)
Revenue estimate$741.6M
EPS estimate$3.21

Financials

Q2 2026

Income statement

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Revenue$778.0M+12.9%
Net income$277.6M+27.7%
EPS (diluted)$3.56+26.2%

Balance sheet

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Total debt$480.1M-27.0%
Total equity$8.0B+10.2%
Total assets$72.3B+0.7%

Cash flow

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Operating cash flow$349.3M+22.4%
CapEx$18.5M+26.4%
Free cash flow$330.8M+22.2%

Valuation & ratios

Valuation

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Market cap$9.86B+9.1%
P/E10.5×-4.3×
P/S3.4×-0.4×

Profitability

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Net margin32.3%+7.1pp
FCF margin35.7%—

Returns & leverage

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Return on equity12.3%+2.3pp
Debt / equity0.1×0.0×

Segments

By product

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Fiduciary And Trust$98.3M+18.1%
Credit Card$43.5M+1.7%
Deposit Account$29.6M+2.5%
Brokerage Fees$25.4M+23.8%
Other Financial Services$5.0M+28.4%

By segment

See full
Institutional Banking$119.3M+20.0%
Commercial Banking$48.3M+3.8%
Personal Banking$34.4M+2.6%

Competitors

Profile

UMB Financial Corp is a financial holding company that provides comprehensive banking services and asset servicing to customers across the United States and globally. The company offers a diverse suite of commercial, retail, and institutional financial solutions, including asset management, trust services, and cash management. Through its regional banking network and specialized nonbank subsidiaries, it serves a broad client base ranging from individual consumers to large institutional investment groups.

Competitive position

A diversified regional financial leader with a significant presence in the Midwest and Western U.S., distinguished by its specialized institutional asset servicing capabilities.

GeographiesUnited States, Midwest, Southwest, Western US, Global
Customer segmentsCommercial, Retail, Institutional, Government
Business modelB2B, B2C, Fee-based Services, Interest-based Lending
SuppliersFederal Reserve System, Technology Infrastructure Providers, Capital Markets, Deposit Insurance Fund
CustomersSmall and Mid-sized Businesses, Individual Consumers, Mutual Funds, Hedge Funds, Public Sector Entities
Listed1975
Employees3.6K
CEOJ. Mariner Kemper
Websiteumb.com
FilingsSEC EDGAR

FAQ

What is UMB Financial's market cap?
UMB Financial (UMBF) has a market capitalization of $9.9B and trades on NASDAQ.
What is UMB Financial's revenue and profitability?
UMB Financial generated $2.9B in trailing twelve-month revenue with net income of $942.7M, representing a net margin of 32.3%, with free cash flow of $1.0B. The latest reported period is Q2 2026.
Who are UMB Financial's competitors?
UMB Financial's key competitors include Commerce Bancshares, Inc., BOK Financial Corporation, State Street Corporation, and others. These companies compete in similar markets and product categories.
Who does UMB Financial partner with?
UMB Financial's notable partners include BofA Securities, Inc., NASDAQ.
What subsidiaries does UMB Financial have?
UMB Financial's subsidiaries include UMB Bank, National Association, UMB Fund Services, Inc., Heartland Financial USA, Inc., and others.
Where is UMB Financial headquartered?
UMB Financial is headquartered in United States of America and employs approximately 3,599 people. It has been publicly traded since 1975.