UMB Financial UMBF Ratios & Valuation
| FY'25 | FY'24 | FY'23 | FY'22 | ||
|---|---|---|---|---|---|
| Profitability | |||||
| Net margin | 26.5%-0.6pp | 27.1%+3.1pp | 23.9%-5.5pp | 29.4%+1.9pp | |
| Free cash flow margin | 36.9%— | —— | 30.7%-18.2pp | 48.9%+9.9pp | |
| Returns | |||||
| Return on equity | 12.6%-0.9pp | 13.4%+1.3pp | 12.1%-2.7pp | 14.9%+3.4pp | |
| Return on assets | 1.1%+0.2pp | 0.9%+0.1pp | 0.8%-0.2pp | 1.1%+0.1pp | |
| Efficiency | |||||
| Asset turnover | 0×0.0× | 0×0.0× | 0×0.0× | 0×0.0× | |
| Leverage | |||||
| Debt-to-equity | 0.1×-0.1× | 0.1×-0.6× | 0.7×+0.6× | 0.2×+0.1× | |
| Debt-to-assets | 0×0.0× | 0×0.0× | 0.1×0.0× | 0×0.0× | |
| Per Share | |||||
| Book value per share | $104.43+47.8% | $70.66+11.1% | $63.58+16.2% | $54.71-15.2% | |
| Valuation | |||||
| Market capitalization | $8.74B+58.7% | $5.51B+35.8% | $4.06B+0.5% | $4.04B-21.4% | |
| Enterprise value | $9.28B+56.1% | $5.95B-5.6% | $6.3B+40.6% | $4.48B-18.1% | |
| Price / earnings | 12.4×0.0× | 12.5×+0.9× | 11.6×+2.2× | 9.3×-5.2× | |
| Price / sales | 3.3×-0.1× | 3.4×+0.6× | 2.8×0.0× | 2.7×-1.3× | |
| Price / book | 1.1×-0.5× | 1.6×+0.3× | 1.3×-0.2× | 1.5×-0.1× | |
| EV / sales | 3.5×-0.2× | 3.7×-0.7× | 4.3×+1.3× | 3.1×-1.2× | |
| Free cash flow yield | 11.2%— | —— | 11.1%-6.7pp | 17.8%+8.0pp | |
| Earnings yield | 8%0.0pp | 8%-0.6pp | 8.6%-2.1pp | 10.7%+3.8pp | |
| Dividend yield | 1.6%+0.2pp | 1.4%-0.4pp | 1.8%0.0pp | 1.8%+0.5pp | |
| PEG ratio | 0.2×-0.3× | 0.5×— | —— | 0.4×-0.2× |
Chart any of these lines over time, or line them up against competitors.
Compare these in charts →Questions, answered.
- 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.
