Question 1

What is UMB Financial's P/FCF ratio?

Accepted Answer

UMB Financial (UMBF) P/FCF ratio is 10.1× as of June 5, 2026. The ratio is calculated by dividing market capitalisation by trailing twelve-month free cash flow, using USD-normalised financials (IAS 21 exchange-rate translation for non-USD reporters).

Question 2

How is the P/FCF ratio calculated?

Accepted Answer

P/FCF = Market Capitalisation ÷ Trailing Twelve-Month (TTM) Free Cash Flow, where Free Cash Flow = Operating Cash Flow − Capital Expenditures. All inputs are sourced from audited GAAP/IFRS filings and translated to USD using period-end exchange rates so the multiple is comparable across companies and currencies.

Question 3

What is the P/FCF ratio?

Accepted Answer

The price-to-free-cash-flow (P/FCF) ratio compares a company's market capitalisation to its trailing twelve-month (TTM) free cash flow. It is calculated as market cap ÷ TTM free cash flow, where free cash flow = operating cash flow − capital expenditures. Because FCF cannot be inflated by non-cash accounting items, P/FCF is often considered a cleaner measure of "earnings-power valuation" than P/E — especially for capital-intensive businesses where depreciation diverges from real cash outflows.

Question 4

What is a good P/FCF ratio for UMB Financial?

Accepted Answer

Mature companies that consistently convert profit into cash often trade at 15–25× P/FCF; capital-intensive businesses with lumpy capex typically trade lower. Compare against sector peers and against the company's own multi-year average — single-year P/FCF can be distorted by working-capital swings. For UMB Financial specifically, the relevant sector benchmark is the current sector median of 11.1×.

Question 5

Is UMB Financial's P/FCF ratio high or low?

Accepted Answer

UMB Financial's P/FCF ratio of 10.1× is above its own 5-year average of 9.7× and below the sector median of 11.1×. That places the current reading at the 57th percentile of its 10-year history. A higher multiple usually reflects stronger expected growth, lower perceived risk, or higher returns on capital; a lower multiple reflects the opposite.

Question 6

What is UMB Financial's historical P/FCF ratio range?

Accepted Answer

In the available daily series, UMB Financial (UMBF) P/FCF ratio has ranged from a low of 4.0× in 2023 to a high of 70.6× in 2008. The 5-year average is 9.7× and the 5-year median is 8.8×.

Question 7

What was UMB Financial's P/FCF ratio in 2025?

Accepted Answer

UMB Financial (UMBF) P/FCF ratio at the end of 2025 was 8.9×. Annual values reflect the multiple on the last trading day of each calendar year, using the trailing twelve-month free cash flow figure available at that date.

Question 8

Why does UMB Financial's P/FCF ratio change over time?

Accepted Answer

Valuation multiples move with two inputs: the numerator (market capitalisation, which tracks the share price) and the denominator (free cash flow). Share-price changes — driven by interest rates, earnings expectations, risk appetite, and broader market sentiment — typically dominate short-term moves, while changes in the underlying fundamental drive the longer-term trend. As a result, the ratio can rise during stock-price rallies even if the business itself has not become more valuable, and fall during sell-offs even when fundamentals are improving.


2025	$8.73B	$978.11M	8.9×	-18.5×	Dec 31, 2025
2024	$5.51B	$201.08M	27.4×	+18.3×	Dec 31, 2024
2023	$4.06B	$445.69M	9.1×	+3.5×	Dec 31, 2023
2022	$4.03B	$717.84M	5.6×	-4.6×	Dec 31, 2022
2021	$5.13B	$500.39M	10.3×	-0.3×	Dec 31, 2021
2020	$3.31B	$312.90M	10.6×	-1.9×	Dec 31, 2020
2019	$3.35B	$269.11M	12.5×	-0.0×	Dec 31, 2019
2018	$2.98B	$239.16M	12.5×	+0.3×	Dec 31, 2018
2017	$3.54B	$290.08M	12.2×	-3.2×	Dec 31, 2017
2016	$3.77B	$245.63M	15.4×	+1.0×	Dec 31, 2016
2015	$2.26B	$157.93M	14.3×	+1.5×	Dec 31, 2015
2014	$2.56B	$198.99M	12.8×	+1.7×	Dec 31, 2014
2013	$2.86B	$256.88M	11.1×	+1.4×	Dec 31, 2013
2012	$1.75B	$179.71M	9.8×	+1.4×	Dec 31, 2012
2011	$1.49B	$177.49M	8.4×	-2.9×	Dec 31, 2011
2010	$1.66B	$147.40M	11.3×	-1.5×	Dec 31, 2010
2009	$1.58B	$123.26M	12.8×	-4.8×	Dec 31, 2009
2008	$1.99B	$113.39M	17.6×	+2.5×	Dec 31, 2008
2007	$1.57B	$103.89M	15.1×	-2.1×	Dec 31, 2007
2006	$1.53B	$89.06M	17.2×	-2.1×	Dec 31, 2006
2005	$1.38B	$71.10M	19.3×	+3.1×	Dec 31, 2005
2004	$1.23B	$75.42M	16.3×	+8.8×	Dec 31, 2004
2003	$1.03B	$138.21M	7.5×	-1.4×	Dec 31, 2003
2002	$838.64M	$94.32M	8.9×	-7.8×	Dec 31, 2002
2001	$883.56M	$52.81M	16.7×	—	Dec 31, 2001


Assurant (AIZ)	7.5×
Progressive (PGR)	7.1×
Cincinnati Financial (CINF)	7.1×
Alerus Financial (ALRS)	7.0×
Interactive Brokers (IBKR)	6.9×
Invesco (IVZ)	6.9×
American Financial Group (AFG)	6.8×
The Hartford (HIG)	6.5×
Commerce Bancshares (CBSH)	6.4×
Bank of America (BAC)	6.3×
Arch Capital Group (ACGL)	5.9×
JPMorgan Chase (JPM)	5.8×
Travelers Companies (TRV)	5.5×
Principal Financial Group (PFG)	5.5×
Everest Re Group (RE)	5.0×
Allstate (ALL)	4.7×
Everest Re Group (EG)	4.6×
Capital One Financial (COF)	3.9×
Prudential Financial (PRU)	3.5×
Mercury General (MCY)	3.4×
RenaissanceRe Holdings (RNR)	3.0×
MetLife (MET)	2.8×
Synchrony Financial (SYF)	2.4×
Atlantic Union Bankshares (AUB)	2.2×
StoneX Group (SNEX)	0.8×

P/FCF Ratio for UMB Financial (UMBF)

P/FCF Ratio daily chart for UMB Financial (UMBF)

Historical P/FCF Ratio for UMB Financial (UMBF) from 2001 to 2025

About P/FCF Ratio at UMB Financial (UMBF)

UMB Financial P/FCF Ratio by Year

UMB Financial P/FCF Ratio 2025: 8.9×

UMB Financial P/FCF Ratio 2024: 27.4×

UMB Financial P/FCF Ratio 2023: 9.1×

UMB Financial P/FCF Ratio 2022: 5.6×

UMB Financial P/FCF Ratio 2021: 10.3×

Sector peers by P/FCF Ratio — chart

Sector peers by P/FCF Ratio — table

Frequently asked questions

UMB Financial (UMBF) Key Financials

P/FCF Ratio daily chart for UMB Financial (UMBF)

Historical P/FCF Ratio for UMB Financial (UMBF) from 2001 to 2025

About P/FCF Ratio at UMB Financial (UMBF)

UMB Financial P/FCF Ratio by Year

UMB Financial P/FCF Ratio 2025: 8.9×

UMB Financial P/FCF Ratio 2024: 27.4×

UMB Financial P/FCF Ratio 2023: 9.1×

UMB Financial P/FCF Ratio 2022: 5.6×

UMB Financial P/FCF Ratio 2021: 10.3×

Sector peers by P/FCF Ratio — chart

Sector peers by P/FCF Ratio — table

Frequently asked questions

+What is UMB Financial's P/FCF ratio?

+How is the P/FCF ratio calculated?

+What is the P/FCF ratio?

+What is a good P/FCF ratio for UMB Financial?

+Is UMB Financial's P/FCF ratio high or low?

+What is UMB Financial's historical P/FCF ratio range?

+What was UMB Financial's P/FCF ratio in 2025?

+Why does UMB Financial's P/FCF ratio change over time?

UMB Financial (UMBF) Key Financials