UMB Financial Corporation

UMBF

Banks - Regional · Financial Services

Price

$145.14

-0.72 (-0.49%)

Market Cap

$11.02B

Exchange

NASDAQ

Winston Score

Winston is happy

A high-quality business with solid fundamentals.

Data as of Aug 23, 2026 · filings through Jun 30, 2026

How the score breaks down

Bank Quality

Strong

Growth

Exceptional

Capital Strength

Strong

Asset Quality

Exceptional

Valuation

Good

Dividends

Good

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Share count rising — dilution

+56.9% over 4y

The company has issued more shares over this period, which dilutes each existing shareholder’s stake.

Diluted shares outstanding: 48.7M (2021) → 76.5M (2025)

Winston Score History

The full picture

UMB Financial Corporation is a regional bank headquartered in Kansas City, Missouri. It offers everyday banking services like checking accounts, loans, and mortgages to regular people and businesses. It also runs a large fund services and asset management division, helping mutual funds, institutional investors, and corporations manage their money.

UMB makes money through interest on loans, fees for banking services, and charges for managing assets and processing fund transactions. It operates mainly across the central United States, with a strong presence in Missouri, Kansas, Colorado, and nearby states. The company generates roughly $11 billion in market value and competes by combining traditional banking with specialized financial services — a mix that is harder for smaller banks to replicate. A key growth driver is its institutional fund services business, which benefits from growing demand for outsourced financial administration, but rising interest rates or a slowdown in loan demand could pressure its earnings.

Growth Profile

For growth stock investors

When traditional metrics don't capture the full picture, these are the signals growth stock investors use instead.

Revenue Growth

+9.9% YoY

YoY Growth Rate

Slow revenue growth

EPS Growth

+26.1% YoY

YoY Growth Rate

Strong earnings growth

R&D Spend

$0/ year

0.0% of revenue

Below sector average (7%)

Research and development spending

Insider Activity

4.9%ownership

→ Flat

Insider ownership roughly steady over the past year

Cash Position

Cash flow positive

$67.3B cash & investments

Quarterly Free Cash Flow

↑ Burn rate improving

Company generates more cash than it spends — no dilution risk from fundraising

Growth context

UMB Financial Corporation is growing revenue at 10% year-over-year. The Winston Score measures business quality today — these growth metrics show what could matter tomorrow.

The Winston Score above measures business quality today. Growth stocks often score lower because they invest in the future rather than maximising current profits. These metrics show what matters most for evaluating that future.

Score breakdown

Every number that matters to educated investors.

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Bank Quality

Return on owners' money

Return on Equity

13.2%

no trend

Strong — 13.2% return on equity

Standard mid-range return on equity. Acceptable.

Profit on lending

Net Interest Margin

3.28%

no trend

Healthy — 3.28% net interest margin

Cost of running the bank

Efficiency Ratio

48.1%

no trend

Very lean — spends 48.1¢ to earn a dollar

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Growth

Sales growth

Sales YoY

+41.6%

Fast-growing sales (+41.6% YoY)

Profit growth

EPS YoY

+37.7%

Earnings growing fast (+37.7% YoY)

Earnings growing 25%+ a year. The compounder zone.

How steady the profit is

EPS Consistency

7/8 quarters

Every recent quarter grew earnings vs last year

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Capital Strength

Safety cushion

Capital Ratio

11.6%

no trend

Well capitalised — 11.6% CET1

A solid capital cushion. The bank can take some loan losses and keep going.

Asset Quality

Loans not being repaid

Non-Performing Loans

0.41%

no trend

Clean loan book — 0.41% non-performing

Under half a percent of loans are going bad. A very clean loan book.

Loans written off

Net Charge-Offs

0.19%

no trend

Minimal losses — 0.19% net charge-offs

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Valuation

Price vs profit

P/E Ratio (TTM)

12.0x

Attractive valuation — P/E 12.0

P/E in the normal range. Price is roughly $15 for every $1 of yearly profit.

Cheaper or dearer next year

P/E vs Forward

+0.7

GROWING

Earnings roughly flat

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Dividends

Dividend

Dividend Yield

1.13%

Small dividend — 1.13% yield

Modest yield. The bulk of any return needs to come from price appreciation.

Dividend record

Dividend Growth

+11.9%

Dividend growing fast (11.9% YoY)

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