UMB Financial Corporation (UMBF) Compounding Analysis

UMB Financial Corporation(UMBF)

Banks - Regional · Kansas City, MO

$130.08+0.28 (+0.22%)

Delayed quote: Oct 6, 2026, 4:00 PM EDT

About UMB Financial Corporation

UMB Financial Corporation serves as the holding company for UMB Bank, delivering a comprehensive array of banking and financial solutions. Its Commercial Banking division provides businesses with essential services, including commercial loans, credit cards, and real estate financing. This segment also offers letters of credit, loan syndication, and consultative support. Furthermore, it delivers specialized business solutions such as asset-based lending, accounts receivable financing, mezzanine debt, and minority equity investments. Comprehensive treasury management services are also available, encompassing depository functions, account reconciliation, cash management tools, accounts payable and receivable solutions, electronic funds transfers, automated payments, controlled disbursements, lockbox services, and remote deposit capture. The Institutional Banking division caters specifically to institutional clients, offering asset management and healthcare services. Its extensive offerings include fund administration and accounting, investor services, transfer agency functions, marketing and distribution support, custody, and alternative investment services. This segment also manages fixed-income sales, trading, and underwriting, alongside providing corporate trust, escrow, and institutional custody services. A notable feature of this division is its healthcare payment solutions, which incorporate custodial services for health savings accounts and versatile private-label debit cards. These solutions are extended to a diverse clientele, including insurance carriers, third-party administrators, software companies, employers, and financial institutions. For individual customers, the Personal Banking segment presents a suite of services such as deposit accounts, retail credit cards, and private banking. It also provides various loan products, including installment loans, home equity lines of credit, residential mortgages, and small business loans. These offerings are complemented by internet banking, an expansive ATM network, brokerage, insurance, advisory, and trust services. The company operates a substantial network of branches and offices across 17 states: Missouri, Kansas, Colorado, Illinois, Oklahoma, Texas, Arizona, Nebraska, Iowa, Pennsylvania, South Dakota, Indiana, Utah, Minnesota, California, and Wisconsin. Established in 1913, UMB Financial Corporation maintains its headquarters in Kansas City, Missouri.

Kansas City, MO

5,222 employees

www.umb.com

Financial Services / Banks - Regional

Sector: Financial Services
Industry: Banks - Regional
CEO: J. Mariner Kemper

View full financials

Across metrics · 10Y

UMBF reported stats per metric over 10Y: annual CAGR, median quarterly year-over-year growth, YoY standard deviation, quarters at or above 20%, and negative quarters.
Metric	10Y CAGR	Median YoY	YoY σ	Qtrs ≥ 20%	Neg. qtrs
RevenueRevenue	19.6%	12.6%	22.4pp	13 of 40	4
EPSEPS	14.1%	14.1%	45.0pp	16 of 40	8
Op cash flowOperating cash flow	17.1%	5.9%	60.5pp	14 of 40	15
EBITDAEBITDA	19.3%	13.1%	42.0pp	14 of 40	8
FCFFree cash flow	20.1%	9.5%	63.8pp	13 of 40	17

Reported figures over 10Y: annual-series CAGR, median and standard deviation (σ, percentage points) of quarterly year-over-year growth, quarters at or above 20%, and quarters with negative YoY. “—” means the window needs more comparable data.