UMB Financial Corporation
PosiFunda Ratios Only on PositoAI
PositoAI's own ratios from UMB Financial Corporation's yearly results (2022–2025), compared with Financial Services companies in United States. Tap ? on any ratio for what it means.
What stands out
- Shareholder Slice Ratio: Share count rose 57% in 3 years, so each share's slice of the company became smaller. Dividends paid equalled 19% of profit over the same period. Bigger rise in share count than 88% of Financial Services companies in United States.
Cash quality
Profit Cash Ratio
—Not applicable for banks
Deposits and loans are a bank's raw material, so cash-flow and debt figures mean something different for banks.
Self-Funding Ratio
—Not applicable for banks
Deposits and loans are a bank's raw material, so cash-flow and debt figures mean something different for banks.
Cash Locked Ratio
—Not applicable for banks
Deposits and loans are a bank's raw material, so cash-flow and debt figures mean something different for banks.
Growth quality
Steadiness Ratio
2/3 · 2/3Sales grew in 2 of the last 3 years; profit grew in 2 of 3.
Steadier than 53% of Financial Services companies in United States.
Growth Efficiency Ratio
$25Sales grew 79% in 3 years; of every extra $100 of sales, $25 became extra profit.
Higher than 52% of Financial Services companies in United States.
Asset Productivity Ratio
+79% / +90%In 3 years sales changed by +79% while total assets changed by +90%. Assets grew faster than sales.
Balance-sheet strength
Debt Due Cover Ratio
—Not applicable for banks
Deposits and loans are a bank's raw material, so cash-flow and debt figures mean something different for banks.
Cash Cushion Ratio
—Not applicable for banks
Deposits and loans are a bank's raw material, so cash-flow and debt figures mean something different for banks.
Tangible Assets Ratio
97%Of every $100 the company owns, $97 is in tangible assets such as plants, cash, stock and receivables; the rest is goodwill and other intangibles.
Less tangible than 63% of Financial Services companies in United States.
Tangible Net Worth Ratio
70%Of every $100 of net worth, $70 is tangible; the rest is goodwill and other intangibles, often from buying other companies.
Less tangible than 71% of Financial Services companies in United States.
Shareholders
Standard fundamentals
P/E, P/B, ROE, debt, growth and more (11)
UMB Financial Corporation owes $0.89 for every $1 it owns. Net profit rose 59% in the year to Dec 2025, and grew 18% a year on average over 3 years.
Compared with Financial Services companies in United States · latest annual results Dec 2025.
P/E ratio
11.3Investors pay $11.3 for every $1 of UMB Financial Corporation's yearly profit, lower than 66% of Financial Services companies in United States.
P/B ratio
1.29The share price is 1.29 times UMB Financial Corporation's book value per share, higher than 50% of Financial Services companies in United States.
Market cap
$10.3 BThe total market value of all of UMB Financial Corporation's shares at today's price (share price × number of shares), larger than 88% of Financial Services companies in United States. PosiCap size class: Meso Cap.
Net worth (book value)
$8.0 BWhat UMB Financial Corporation would have left on paper if it sold everything it owns and paid everything it owes, from its latest balance sheet (30 Jun 2026).
Book value per share
$105.74Net worth divided by the number of shares. The share price of $136.16 is 1.3 times this, which is the P/B above.
Return on equity (ROE)
12.3%UMB Financial Corporation earned 12.3% on its shareholders' money over the last year, higher than 62% of Financial Services companies in United States.
Owes vs Owns
0.89×UMB Financial Corporation owes $0.89 for every $1 it owns (high), higher than 72% of Financial Services companies in United States. Banks and lenders usually show higher figures.
Dividend yield
1.50%UMB Financial Corporation pays 1.50% of its share price as dividends a year, lower than 79% of dividend-paying Financial Services companies in United States.
Revenue growth
+66%Revenue rose 66% in the year to Dec 2025, and grew 21% a year on average over 3 years.
Profit growth
+59%Net profit rose 59% in the year to Dec 2025, and grew 18% a year on average over 3 years.
Profit margin
28.9%UMB Financial Corporation keeps $29 of every $100 of revenue as net profit.
Questions
What is UMB Financial Corporation's P/E ratio?
Investors pay $11.3 for every $1 of UMB Financial Corporation's yearly profit, lower than 66% of Financial Services companies in United States.
How is P/B calculated on PositoAI?
P/B is market cap divided by net worth from the latest balance sheet. For UMB Financial Corporation: $10.3 B ÷ $8.0 B (30 Jun 2026) = 1.3.
What is UMB Financial Corporation's return on equity?
UMB Financial Corporation earned 12.3% on its shareholders' money over the last year, higher than 62% of Financial Services companies in United States.
How much does UMB Financial Corporation owe compared with what it owns?
UMB Financial Corporation owes $0.89 for every $1 it owns (high), higher than 72% of Financial Services companies in United States. Banks and lenders usually show higher figures.
Does UMB Financial Corporation pay a dividend?
Yes. UMB Financial Corporation pays 1.50% of its share price as dividends a year, lower than 79% of dividend-paying Financial Services companies in United States.
Is UMB Financial Corporation's revenue growing?
Revenue rose 66% in the year to Dec 2025, and grew 21% a year on average over 3 years.
Figures from the company's yearly results and PositoAI's own data. Full tables are on the Go Deep tab. What each figure means. PositoAI is for research and education only and is not investment advice.