Where do UMB Financial's ratios come from?

Every ratio is computed from UMB Financial's SEC filings — trailing-twelve-month flows over period-end balances. Valuation multiples combine those fundamentals with market data, recomputed each period. Switch between quarterly, annual, and TTM, or open any ratio for its full history and peer comparisons.

UMB Financial UMBF Ratios & Valuation

Income Statement Balance Sheet Cash Flow Ratios Segments

Quarterly Annual TTM

YoY QoQ

Simplified Detailed

	Q1 '26	Q4 '25	Q3 '25	Q2 '25	Q1 '25
Profitability
Net margin	31.2%+4.7pp	26.5%+0.8pp	25.7%+0.4pp	25.2%+2.3pp	23%-4.1pp
Returns
Return on equity	12.1%-0.5pp	12.6%+1.5pp	11.1%+1.0pp	10.1%+1.7pp	8.3%-5.1pp
Efficiency
Asset turnover	0×0.0×	0×0.0×	0×0.0×	0×0.0×	0×0.0×
Leverage
Debt-to-equity	0.1×0.0×	0.1×0.0×	0.1×0.0×	0.1×0.0×	0.1×0.0×
Per Share
Book value per share	$102.45-1.9%	$104.43+7.1%	$97.48+2.0%	$95.56-7.3%	$103.04+45.8%
Valuation
Market capitalization	$8.59B-1.7%	$8.74B-2.8%	$8.99B+14.1%	$7.87B+7.2%	$7.35B+33.4%
Price / earnings	9.7×-2.7×	12.4×-2.4×	14.8×-0.1×	14.9×-2.9×	17.8×+5.3×
Price / sales	3×-0.3×	3.3×-0.5×	3.8×0.0×	3.8×-0.3×	4.1×+0.7×
Price / book	1.1×0.0×	1.1×-0.1×	1.2×+0.1×	1.1×0.0×	1.1×-0.5×
Dividend yield	1.7%+0.1pp	1.6%+0.3pp	1.3%0.0pp	1.3%+0.1pp	1.2%-0.2pp

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Where do UMB Financial's ratios come from?: Every ratio is computed from UMB Financial's SEC filings — trailing-twelve-month flows over period-end balances. Valuation multiples combine those fundamentals with market data, recomputed each period. Switch between quarterly, annual, and TTM, or open any ratio for its full history and peer comparisons.