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

	TTM Q1 '26	TTM Q4 '25	TTM Q3 '25	TTM Q2 '25	TTM Q1 '25
Profitability
Net margin	31.2%+8.2pp	26.5%-0.6pp	25.7%+0.6pp	25.2%+0.2pp	23%-1.7pp
Returns
Return on equity	12.1%+3.8pp	12.6%-0.9pp	11.1%-1.3pp	10.1%-2.5pp	8.3%-4.0pp
Return on assets	1.2%+0.5pp	1.1%+0.2pp	1%+0.1pp	0.9%0.0pp	0.7%-0.1pp
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×-0.1×	0.1×-0.3×	0.1×-0.4×	0.1×-0.6×
Debt-to-assets	0×0.0×	0×0.0×	0×0.0×	0×0.0×	0×0.0×
Per Share
Book value per share	$102.45-0.6%	$104.43+47.8%	$97.48+35.3%	$95.56+45.0%	$103.04+59.9%
Valuation
Market capitalization	$8.59B+16.9%	$8.74B+58.7%	$8.99B+75.4%	$7.87B+94.0%	$7.35B+73.5%
Enterprise value	$9.06B+13.3%	$9.28B+56.1%	$9.46B+44.2%	$8.53B+48.5%	$8B+24.7%
Price / earnings	9.7×-8.1×	12.4×0.0×	14.8×+1.7×	14.9×+4.2×	17.8×+6.3×
Price / sales	3×-1.1×	3.3×-0.1×	3.8×+0.5×	3.8×+1.1×	4.1×+1.3×
Price / book	1.1×0.0×	1.1×-0.5×	1.2×-0.2×	1.1×-0.2×	1.1×-0.3×
EV / sales	3.2×-1.3×	3.5×-0.2×	4×-0.2×	4.1×+0.3×	4.5×+0.1×
Earnings yield	10.3%+4.7pp	8%0.0pp	6.8%-0.9pp	6.7%-2.6pp	5.6%-3.1pp
Dividend yield	1.7%+0.5pp	1.6%+0.2pp	1.3%-0.2pp	1.3%-0.6pp	1.2%-0.6pp
PEG ratio	0.1×-1.4×	0.2×—	0.3×—	0.4×—	1.5×—

Chart any of these lines over time, or line them up against competitors.

Compare these in charts →

Ask your AI about UMB Financial.

Connect your AI assistant and get a quick read on the numbers, right in your chat.

Connect your AI

Claude

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.