TICKVALE
>⌘K
Nasdaq · CIK 0000101382 · NATIONAL COMMERCIAL BANKS

UMB FINANCIAL CORP

UMBF chart by TradingView
P/E 12.0xP/B 1.4xP/SALES 3.9xEV/EBITDA FCF YIELD 9.18%

PRICE HISTORY

LIVE · NASDAQ
UMBF chart by TradingView
REVENUE FY2025 ENDED DEC 2025
$2.7B
EBITDA
FREE CASH FLOW
$1.0B
EPS
$9.53
GROSS MARGIN
ROIC
177.45%
Q2 FY26ENDED JUN 2026HOVERDRAG ACROSS ANY CHART TO SCRUB ALL 24 · 40 QUARTERS SHOWNVALUATIONGROWTHPROFITABILITY & RETURNSCASH & CAPITALBALANCE SHEET

VALUATION

what you pay for a unit of the business7 CHARTS

P / E RATIO (TTM)

11.6x
-43%
LATEST · Q2 FY26
11.6xQ3 FY16Q3 FY18Q3 FY20Q3 FY22Q3 FY24Q2 FY26
6.7x23.9x

P / SALES (TTM)

3.7x
+4%
LATEST · Q2 FY26
3.7xQ3 FY16Q3 FY18Q3 FY20Q3 FY22Q3 FY24Q2 FY26
1.9x4.2x

P / BOOK

1.4x
-6%
LATEST · Q2 FY26
1.4xQ3 FY16Q3 FY18Q3 FY20Q3 FY22Q3 FY24Q2 FY26
0.8x1.9x

EV / EBITDA (TTM)

LATEST · Q2 FY26
Q3 FY16Q3 FY18Q3 FY20Q3 FY22Q3 FY24Q2 FY26

EV / REVENUE (TTM)

LATEST · Q2 FY26
Q3 FY16Q3 FY18Q3 FY20Q3 FY22Q3 FY24Q2 FY26

FCF YIELD (TTM)

9.54%
+4.2pp
LATEST · Q2 FY26
9.54%Q3 FY16Q3 FY18Q3 FY20Q3 FY22Q3 FY24Q2 FY26
3.71%18.58%

DIVIDEND YIELD (TTM)

1.18%
-0.5pp
LATEST · Q2 FY26
1.18%Q3 FY16Q3 FY18Q3 FY20Q3 FY22Q3 FY24Q2 FY26
1.18%2.63%

GROWTH

is the business getting bigger5 CHARTS

REVENUE

$0.8B
+241%
LATEST · Q2 FY26
0.8BQ3 FY16Q3 FY18Q3 FY20Q3 FY22Q3 FY24Q2 FY26

EBITDA (DERIVED)

LATEST · Q2 FY26
Q3 FY16Q3 FY18Q3 FY20Q3 FY22Q3 FY24Q2 FY26

NET INCOME

$0.3B
+562%
LATEST · Q2 FY26
0.3BQ3 FY16Q3 FY18Q3 FY20Q3 FY22Q3 FY24Q2 FY26

EPS (DILUTED)

$3.63
+327%
LATEST · Q2 FY26
3.63Q3 FY16Q3 FY18Q3 FY20Q3 FY22Q3 FY24Q2 FY26

REVENUE GROWTH YOY

12.89%
+8.6pp
LATEST · Q2 FY26
12.89%Q3 FY16Q3 FY18Q3 FY20Q3 FY22Q3 FY24Q2 FY26
-22.13%76.71%

PROFITABILITY & RETURNS

what survives to the bottom, and what it earns on capital4 CHARTS

FCF MARGIN

42.52%
+13.7pp
LATEST · Q2 FY26
42.52%Q3 FY16Q3 FY18Q3 FY20Q3 FY22Q3 FY24Q2 FY26
-17.75%63.60%

RETURN ON CAPITAL

32.49%
+22.0pp
LATEST · Q2 FY26
32.49%Q3 FY16Q3 FY18Q3 FY20Q3 FY22Q3 FY24Q2 FY26
-362.60%177.45%

RETURN ON EQUITY (TTM)

11.74%
+4.6pp
LATEST · Q2 FY26
11.74%Q3 FY16Q3 FY18Q3 FY20Q3 FY22Q3 FY24Q2 FY26
6.11%16.25%

MARGIN FUNNEL

every line is a share of the same revenue, so they read on one scale — the gaps are what each layer takes out, and net rises above operating when income arrives from outside the business
GROSS MARGIN
OPERATING MARGIN
NET MARGIN35.68%
FCF MARGIN42.52%
71.7447.3322.93-1.48-25.88NETFCFQ3 FY16Q3 FY17Q3 FY18Q3 FY19Q3 FY20Q3 FY21Q3 FY22Q3 FY23Q3 FY24Q3 FY25Q2 FY26

CASH & CAPITAL

where the money actually goes5 CHARTS

FREE CASH FLOW

$0.3B
+402%
LATEST · Q2 FY26
0.3BQ3 FY16Q3 FY18Q3 FY20Q3 FY22Q3 FY24Q2 FY26

STOCK-BASED COMP

$0.0B
+188%
LATEST · Q2 FY26
0.0BQ3 FY16Q3 FY18Q3 FY20Q3 FY22Q3 FY24Q2 FY26

CAPITAL EXPENDITURE

$0.0B
-14%
LATEST · Q2 FY26
0.0BQ3 FY16Q3 FY18Q3 FY20Q3 FY22Q3 FY24Q2 FY26

SHARES OUTSTANDING

0.08B
+55%
LATEST · Q2 FY26
0.08BQ3 FY16Q3 FY18Q3 FY20Q3 FY22Q3 FY24Q2 FY26

DIVIDEND / SHARE

$0.43
+76%
LATEST · Q2 FY26
0.43Q3 FY16Q3 FY18Q3 FY20Q3 FY22Q3 FY24Q2 FY26

BALANCE SHEET

how much cushion there is3 CHARTS

CASH & EQUIVALENTS

$5.6B
+689%
LATEST · Q2 FY26
5.6BQ3 FY16Q3 FY18Q3 FY20Q3 FY22Q3 FY24Q2 FY26

TOTAL DEBT

$0.5B
+537%
LATEST · Q2 FY26
0.5BQ3 FY16Q3 FY18Q3 FY20Q3 FY22Q3 FY24Q2 FY26

DEBT / EBITDA (TTM)

LATEST · Q2 FY26
Q3 FY16Q3 FY18Q3 FY20Q3 FY22Q3 FY24Q2 FY26
SOURCE → ALL FILINGS
FILING DATA AS OF 2026-08-11. Figures are derived from public SEC EDGAR filings (40most recent quarters shown, Q4 implied as full-year minus Q1-Q3). Valuation multiples use each period’s fiscal period-end close. Live price charts and quotes are provided by TradingView. This page is informational only — it is not investment advice, and figures are not warranted for accuracy. EBITDA is not a GAAP measure; it is derived as operating income + D&A. Verify against the linked source filing before relying on any number here.