UMB Financial Corporation

UMB Financial Corporation

UMBFยทNASDAQ

$126.35

-1.7%
Financial ServicesBanks - Regional

UMB Financial Corporation operates as the bank holding company for the UMB Bank that provides various banking and other financial services. The Commercial Banking segment provides commercial loans and credit card; commercial real estate financing; letters of credit; loan syndication, and consultative service; various business solutions including asset-based lending, accounts receivable financing, mezzanine debt, and minority equity investment; and treasury management service, such as depository service, account reconciliation, cash management tool, accounts payable and receivable solution, electronic fund transfer and automated payment, controlled disbursement, lockbox service, and remote deposit capture service. The Institutional Banking segment offers asset management and healthcare service provided to institutional client; and fund administration and accounting, investor service and transfer agency, marketing and distribution, custody, alternative investment service, fixed income sale, trading and underwriting, and corporate trust and escrow service, as well as institutional custody service. This segment also provides healthcare payment solution includes custodial service for health saving accounts and private label, multipurpose debit cards to insurance carriers, third-party administrator, software companies, employers, and financial institutions. The Personal Banking segment offers deposit account, retail credit card, private banking, installment loan, home equity line of credit, residential mortgage, and small business loan, as well as internet banking, ATM network, private banking, brokerage and insurance service, and advisory and trust service. It operates through a network of branches and offices in the states of Missouri, Kansas, Colorado, Illinois, Oklahoma, Texas, Arizona, Nebraska, Iowa, Pennsylvania, South Dakota, Indiana, Utah, Minnesota, California, and Wisconsin. The company was founded in 1913 and is headquartered in Kansas City, Missouri.

At a Glance

Live Snapshot
Market Cap$9.60B
EPS9.2000
P/E Ratio13.73
Earnings Date08/04/2026
0.46%
Dividend Yield
-1%
3Y-30.0%
5Y+33.0%
10Y-2.0%
15.15%
Dividend Payout Ratio
-20%
3Y-24.0%
5Y-9.0%
10Y-53.0%
3Y+115.0%
5Y+156.0%
10Y+226.0%
UMB Financial Corporation

UMB Financial Corporation Dividend History

UMBF ยท NASDAQ
10Y CAGR +0%
Latest $0
Annual $0
Stable dividend payments
Last Period: +0%

UMBF Dividend Payment History

UMBF ยท NASDAQ

Total Payments

50

Latest Dividend

$0.4300

Annual Amount

$2.0900

Frequency

Quarterly

DeclarationEx-DatePayment DateDividendAdjustedFrequencyGrowth
Apr 28, 2026
Jun 10, 2026Jul 1, 2026
$0.4300
$0.4300
Quarterly0.00%
Jan 27, 2026
Mar 10, 2026Apr 1, 2026
$0.4300
$0.4300
Quarterly0.00%
Oct 28, 2025
Dec 10, 2025Jan 2, 2026
$0.4300
$0.4300
Quarterly+7.50%
Jul 29, 2025
Sep 10, 2025Oct 1, 2025
$0.4000
$0.4000
Quarterly0.00%
Apr 29, 2025
Jun 10, 2025Jul 1, 2025
$0.4000
$0.4000
Quarterly0.00%
Jan 28, 2025
Mar 10, 2025Apr 1, 2025
$0.4000
$0.4000
Quarterly0.00%
Oct 29, 2024
Dec 10, 2024Jan 2, 2025
$0.4000
$0.4000
Quarterly+2.56%
Jul 30, 2024
Sep 10, 2024Oct 1, 2024
$0.3900
$0.3900
Quarterly0.00%
Apr 29, 2024
Jun 10, 2024Jul 1, 2024
$0.3900
$0.3900
Quarterly0.00%
Jan 30, 2024
Mar 11, 2024Apr 1, 2024
$0.3900
$0.3900
Quarterly0.00%
Oct 24, 2023
Dec 11, 2023Jan 2, 2024
$0.3900
$0.3900
Quarterly+2.63%
Jul 25, 2023
Sep 11, 2023Oct 2, 2023
$0.3800
$0.3800
Quarterly0.00%
Apr 25, 2023
Jun 12, 2023Jul 3, 2023
$0.3800
$0.3800
Quarterly0.00%
Jan 24, 2023
Mar 10, 2023Apr 3, 2023
$0.3800
$0.3800
Quarterly0.00%
Oct 25, 2022
Dec 12, 2022Jan 3, 2023
$0.3800
$0.3800
Quarterly+2.70%
Jul 26, 2022
Sep 12, 2022Oct 3, 2022
$0.3700
$0.3700
Quarterly0.00%
Apr 26, 2022
Jun 10, 2022Jul 1, 2022
$0.3700
$0.3700
Quarterly0.00%
Jan 25, 2022
Mar 10, 2022Apr 1, 2022
$0.3700
$0.3700
Quarterly0.00%
Oct 26, 2021
Dec 10, 2021Jan 3, 2022
$0.3700
$0.3700
Quarterly0.00%
Jul 27, 2021
Sep 10, 2021Oct 1, 2021
$0.3700
$0.3700
Quarterly+15.62%
Apr 27, 2021
Jun 10, 2021Jul 1, 2021
$0.3200
$0.3200
Quarterly0.00%
Jan 26, 2021
Mar 10, 2021Apr 1, 2021
$0.3200
$0.3200
Quarterly0.00%
Oct 27, 2020
Dec 10, 2020Jan 4, 2021
$0.3200
$0.3200
Quarterly+3.23%
Jul 28, 2020
Sep 10, 2020Oct 1, 2020
$0.3100
$0.3100
Quarterly0.00%
Apr 28, 2020
Jun 10, 2020Jul 1, 2020
$0.3100
$0.3100
Quarterly0.00%
Jan 28, 2020
Mar 10, 2020Apr 1, 2020
$0.3100
$0.3100
Quarterly0.00%
Oct 29, 2019
Dec 10, 2019Jan 2, 2020
$0.3100
$0.3100
Quarterly+3.33%
Jul 30, 2019
Sep 10, 2019Oct 1, 2019
$0.3000
$0.3000
Quarterly0.00%
Apr 23, 2019
Jun 10, 2019Jul 1, 2019
$0.3000
$0.3000
Quarterly0.00%
Jan 29, 2019
Mar 11, 2019Apr 1, 2019
$0.3000
$0.3000
Quarterly0.00%
Oct 23, 2018
Dec 10, 2018Jan 2, 2019
$0.3000
$0.3000
Quarterly+3.45%
Jul 24, 2018
Sep 10, 2018Oct 1, 2018
$0.2900
$0.2900
Quarterly0.00%
Apr 24, 2018
Jun 11, 2018Jul 2, 2018
$0.2900
$0.2900
Quarterly0.00%
Jan 23, 2018
Mar 9, 2018Apr 2, 2018
$0.2900
$0.2900
Quarterly+5.45%
Oct 24, 2017
Dec 8, 2017Jan 2, 2018
$0.2750
$0.2750
Quarterly+7.84%
Jul 25, 2017
Sep 8, 2017Oct 2, 2017
$0.2550
$0.2550
Quarterly0.00%
May 1, 2017
Jun 9, 2017Jul 3, 2017
$0.2550
$0.2550
Quarterly0.00%
Jan 24, 2017
Mar 10, 2017Apr 3, 2017
$0.2550
$0.2550
Quarterly0.00%
Oct 25, 2016
Dec 9, 2016Jan 3, 2017
$0.2550
$0.2550
Quarterly+4.08%
Jul 26, 2016
Sep 9, 2016Oct 3, 2016
$0.2450
$0.2450
Quarterly0.00%
Apr 26, 2016
Jun 10, 2016Jul 1, 2016
$0.2450
$0.2450
Quarterly0.00%
Jan 26, 2016
Mar 10, 2016Apr 1, 2016
$0.2450
$0.2450
Quarterly0.00%
Oct 27, 2015
Dec 10, 2015Jan 4, 2016
$0.2450
$0.2450
Quarterly+4.26%
Jul 28, 2015
Sep 10, 2015Oct 1, 2015
$0.2350
$0.2350
Quarterly0.00%
Apr 28, 2015
Jun 10, 2015Jul 1, 2015
$0.2350
$0.2350
Quarterly0.00%
Jan 27, 2015
Mar 10, 2015Apr 1, 2015
$0.2350
$0.2350
Quarterly0.00%
Oct 28, 2014
Dec 10, 2014Jan 2, 2015
$0.2350
$0.2350
Quarterly+4.44%
Jul 22, 2014
Sep 10, 2014Oct 1, 2014
$0.2250
$0.2250
Quarterly0.00%
Apr 22, 2014
Jun 10, 2014Jul 1, 2014
$0.2250
$0.2250
Quarterly0.00%
Jan 28, 2014
Mar 10, 2014Apr 1, 2014
$0.2250
$0.2250
Quarterly-
umbf

UMB Financial Corporation Payout Ratio Analysis

UMBF ยท NASDAQ
Dividends Paid
-135.62M
2025
Net Income
702.40M
2025
Payout Ratio
19.31%
2025

Dividend Sustainability Analysis

Payout Ratio
19.31%

Conservative payout with excellent safety margin. Company retains significant earnings for growth, acquisitions, or building cash reserves. Dividend is highly sustainable.

FCF Payout Ratio
13.9%

Excellent FCF coverage. Dividend is well-supported by actual cash generation with ample room for increases and business reinvestment.

Dividend Growth
-75.8%

Significant dividend reduction signals serious challenges. Company prioritizing financial stability over shareholder returns. High risk of further cuts.

Sustainability
Good

Sustainable dividend with adequate coverage. Some areas for improvement but overall appears safe for dividend investors.

Key Insight

Recent dividend cut signals distress: Management forced to reduce payout, indicating financial pressure. Evaluate whether business challenges are temporary or structural before reinvesting.