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UMB Financial UMBF Debt-to-equity

Debt-to-equity at other companies

State Street logo
State StreetSTT
0.9×0.0×
Webster Financial Corporation logo
Webster Financial CorporationWBS
0.6×+0.2×
Citizens Financial Group logo
Citizens Financial GroupCFG
0.5×0.0×
Old National Bancorp logo
Old National BancorpONB
0.0×
Regions Financial logo
Regions FinancialRF
0.5×+0.2×
Huntington Bancshares logo
Huntington BancsharesHBAN
0.7×-0.2×

Other financials

Income statement

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Revenue$739.2M+31.1%
Net income$261.4M+221%
EPS (diluted)$3.35+177%

Balance sheet

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Total debt$477.2M-27.1%
Total equity$7.8B+16.0%
Total assets$72.7B+4.8%

Cash flow

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Operating cash flow$361.3M-0.5%
CapEx$4.5M-48.8%
Free cash flow$356.8M+0.7%

Valuation

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Market cap$10.11B+16.9%
P/E11.5×-9.5×
P/S3.6×-1.2×

Profitability

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Net margin31.2%+8.2pp
FCF margin34.7%

Returns & leverage

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Return on equity12.1%+3.8pp

Where this comes from

Calculated from UMB Financial’s reported figures.

Based on the most recent quarter.

The official record: UMB Financial’s 10-Q, filed April 30, 2026, on SEC EDGAR. View the filing →

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Questions, answered.

What is UMB Financial's debt-to-equity?
UMB Financial (UMBF) reported debt-to-equity of 0.1× in Q1 2026.
How has UMB Financial's debt-to-equity changed year-over-year?
UMB Financial's debt-to-equity decreased by 37.1% year-over-year, from 0.1× to 0.1×.
What is the long-term trend for UMB Financial's debt-to-equity?
Over 5 years (2020 to 2025), UMB Financial's debt-to-equity has grown at a -8.9% compound annual growth rate (CAGR), from 0.1× to 0.1×.
What does debt-to-equity mean?
How much debt the company carries for every dollar of shareholder equity.
How do you interpret debt-to-equity?
Lower is generally safer, but moderate leverage can boost returns. Read in the context of cash-flow stability — a utility tolerates more debt than a cyclical. Negative equity makes the ratio meaningless and it is suppressed there.
How does debt-to-equity compare across companies?
Comparable within an industry; capital structures differ sharply across sectors. Not meaningful for banks.