Question 1

What is UMB Financial's P/E ratio?

Accepted Answer

UMB Financial (UMBF) P/E ratio is 11.2× as of June 5, 2026. The ratio is calculated by dividing market capitalisation by trailing twelve-month earnings (net income), using USD-normalised financials (IAS 21 exchange-rate translation for non-USD reporters).

Question 2

How is the P/E ratio calculated?

Accepted Answer

P/E = Share Price ÷ Trailing Twelve-Month (TTM) Diluted EPS, or equivalently Market Capitalisation ÷ TTM Net Income. 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/E ratio?

Accepted Answer

The price-to-earnings (P/E) ratio, also called the earnings multiple, measures how much investors pay per dollar of a company's trailing twelve-month (TTM) earnings. It is calculated as share price ÷ TTM diluted EPS (equivalent to market capitalisation ÷ TTM net income). A higher P/E implies the market is pricing in stronger future earnings growth or lower risk; a lower P/E can signal slower expected growth, higher risk, or potential undervaluation.

Question 4

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

Accepted Answer

There is no universal "good" P/E. As a rule of thumb, the S&P 500 has historically averaged a P/E in the mid-to-high teens; mature, slow-growth businesses commonly trade in the 10–18× range, while high-growth or asset-light companies often trade at 25–50×+. What matters is the comparison to sector peers and to the company's own historical range. For UMB Financial specifically, the relevant sector benchmark is the current sector median of 12.8×.

Question 5

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

Accepted Answer

UMB Financial's P/E ratio of 11.2× is below its own 5-year average of 11.4× and below the sector median of 12.8×. That places the current reading at the 43th 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/E ratio range?

Accepted Answer

In the available daily series, UMB Financial (UMBF) P/E ratio has ranged from a low of 6.3× in 2023 to a high of 28.6× in 2004. The 5-year average is 11.4× and the 5-year median is 11.1×.

Question 7

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

Accepted Answer

UMB Financial (UMBF) P/E ratio at the end of 2025 was 12.4×. Annual values reflect the multiple on the last trading day of each calendar year, using the trailing twelve-month earnings figure available at that date.

Question 8

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

Accepted Answer

Valuation multiples move with two inputs: the numerator (market capitalisation, which tracks the share price) and the denominator (earnings). 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	$702.40M	12.4×	-0.0×	Dec 31, 2025
2024	$5.51B	$441.24M	12.5×	+0.9×	Dec 31, 2024
2023	$4.06B	$350.02M	11.6×	+2.2×	Dec 31, 2023
2022	$4.03B	$431.68M	9.3×	-5.2×	Dec 31, 2022
2021	$5.13B	$353.02M	14.5×	+3.0×	Dec 31, 2021
2020	$3.31B	$286.50M	11.5×	-2.2×	Dec 31, 2020
2019	$3.35B	$243.60M	13.8×	-1.5×	Dec 31, 2019
2018	$2.98B	$195.51M	15.2×	+0.9×	Dec 31, 2018
2017	$3.54B	$247.10M	14.3×	-9.4×	Dec 31, 2017
2016	$3.77B	$158.80M	23.8×	+4.3×	Dec 31, 2016
2015	$2.26B	$116.07M	19.5×	-1.7×	Dec 31, 2015
2014	$2.56B	$120.66M	21.2×	-0.2×	Dec 31, 2014
2013	$2.86B	$133.97M	21.4×	+7.1×	Dec 31, 2013
2012	$1.75B	$122.72M	14.3×	+0.3×	Dec 31, 2012
2011	$1.49B	$106.47M	14.0×	-4.2×	Dec 31, 2011
2010	$1.66B	$91.00M	18.2×	+0.6×	Dec 31, 2010
2009	$1.58B	$89.48M	17.6×	-2.7×	Dec 31, 2009
2008	$1.99B	$98.08M	20.3×	-0.8×	Dec 31, 2008
2007	$1.57B	$74.21M	21.2×	-4.5×	Dec 31, 2007
2006	$1.53B	$59.77M	25.7×	+1.3×	Dec 31, 2006
2005	$1.38B	$56.32M	24.4×	-4.2×	Dec 31, 2005
2004	$1.23B	$42.84M	28.6×	+11.1×	Dec 31, 2004
2003	$1.03B	$58.88M	17.5×	+2.8×	Dec 31, 2003
2002	$838.64M	$57.17M	14.7×	+1.1×	Dec 31, 2002
2001	$883.56M	$65.23M	13.5×	—	Dec 31, 2001


Prudential Financial (PRU)	9.8×
Globe Life (GL-PD)	9.7×
T. Rowe Price (TROW)	9.6×
Everest Re Group (RE)	9.6×
Old Republic International (ORI)	9.5×
First Financial (THFF)	9.3×
Globe Life (GL)	9.3×
The Hartford (HIG)	9.3×
Assured Guaranty (AGO)	8.9×
Cincinnati Financial (CINF)	8.8×
Federal Agricultural Mortgage (AGM)	8.8×
Ally Financial (ALLY)	8.7×
Travelers Companies (TRV)	8.3×
PayPal (PYPL)	8.2×
Farmers & Merchants Bancorp (FMCB)	8.0×
Chesapeake Financial Shares (CPKF)	7.6×
PSB Holdings (PSBQ)	7.5×
Arch Capital Group (ACGL)	7.1×
AXIS Capital Holdings (AXS)	7.0×
Tompkins Financial (TMP)	6.7×
Everest Re Group (EG)	6.5×
Synchrony Financial (SYF)	6.5×
Mercury General (MCY)	5.8×
RenaissanceRe Holdings (RNR)	4.5×
Allstate (ALL)	4.4×

P/E Ratio for UMB Financial (UMBF)

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

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

About P/E Ratio at UMB Financial (UMBF)

UMB Financial P/E Ratio by Year

UMB Financial P/E Ratio 2025: 12.4×

UMB Financial P/E Ratio 2024: 12.5×

UMB Financial P/E Ratio 2023: 11.6×

UMB Financial P/E Ratio 2022: 9.3×

UMB Financial P/E Ratio 2021: 14.5×

Sector peers by P/E Ratio — chart

Sector peers by P/E Ratio — table

Frequently asked questions

UMB Financial (UMBF) Key Financials

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

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

About P/E Ratio at UMB Financial (UMBF)

UMB Financial P/E Ratio by Year

UMB Financial P/E Ratio 2025: 12.4×

UMB Financial P/E Ratio 2024: 12.5×

UMB Financial P/E Ratio 2023: 11.6×

UMB Financial P/E Ratio 2022: 9.3×

UMB Financial P/E Ratio 2021: 14.5×

Sector peers by P/E Ratio — chart

Sector peers by P/E Ratio — table

Frequently asked questions

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

+How is the P/E ratio calculated?

+What is the P/E ratio?

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

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

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

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

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

UMB Financial (UMBF) Key Financials