Key metrics and charts across all fundamental categories.
Stock price and market valuation
UMBF trades at $143.41, a 41.8% increase year-over-year. Market capitalization stands at $10.90B, up 65.8% from the prior year. Track UMBF price trends and market cap history to understand how the market values this company over time.
Revenue and earnings growth across quarters
$4.31B in TTM revenue grew 42.6% YoY, reaching $1.07B last quarter. TTM EBITDA of $1.26B on operating income of $331.28M shows growth is flowing through. Net income of $882.50M TTM confirms the company is converting revenue into profit. Revenue is growing at a healthy pace — a signal to hold.
Assets, cash, debt, and leverage
With $72.67B in assets and $477.16M in long-term debt, the D/E of 0.1 shows a conservative capital structure — the company has a strong financial cushion to weather downturns.
Price multiples and return ratios
At 12.4x P/E, the stock trades below market averages — potentially undervalued. P/S of 2.5x and P/B of 1.4x provide additional context. Below-market P/E with growing revenue suggests a potential buying opportunity — the stock may be undervalued relative to its fundamentals.
Operating efficiency and return metrics
Op. margin of 30.9% is up 20.6% YoY — cost efficiency is improving. Net margin at 24.4% and gross margin of 69.0%. ROE of 11.3% shows the company generates solid returns on shareholder equity.
Free cash flow, earnings quality, and capital allocation
FCF of $361.27M on $361.27M in operating cash flow. The FCF / Net Income ratio of 0.4x indicates partial cash conversion — earnings quality needs attention. Cash reserves of $6.26B provide financial flexibility. Shares outstanding rose 16.9% YoY — shareholder dilution is eroding per-share value.
