Question 1

What is UMB Financial's P/S ratio?

Accepted Answer

UMB Financial (UMBF) P/S ratio is 2.2× as of June 5, 2026. The ratio is calculated by dividing market capitalisation by trailing twelve-month revenue, using USD-normalised financials (IAS 21 exchange-rate translation for non-USD reporters).

Question 2

How is the P/S ratio calculated?

Accepted Answer

P/S = Market Capitalisation ÷ Trailing Twelve-Month (TTM) Revenue, or equivalently Share Price ÷ TTM Revenue Per Share. 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/S ratio?

Accepted Answer

The price-to-sales (P/S) ratio compares a company's market capitalisation to its trailing twelve-month (TTM) revenue. It is calculated as market cap ÷ TTM revenue (equivalent to share price ÷ TTM revenue per share). Because the denominator (revenue) cannot be negative, P/S is widely used to value unprofitable or pre-profit companies and to make cross-sector comparisons.

Question 4

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

Accepted Answer

A "good" P/S depends heavily on profit margin and growth: software and other high-margin businesses often command 5–15× sales, while low-margin retailers and commodity producers typically trade below 1×. Compare against sector peers rather than absolute thresholds. For UMB Financial specifically, the relevant sector benchmark is the current sector median of 2.2×.

Question 5

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

Accepted Answer

UMB Financial's P/S ratio of 2.2× is below its own 5-year average of 2.4× and above the sector median of 2.2×. That places the current reading at the 47th 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/S ratio range?

Accepted Answer

In the available daily series, UMB Financial (UMBF) P/S ratio has ranged from a low of 1.4× in 2023 to a high of 4.2× in 2016. The 5-year average is 2.4× and the 5-year median is 2.1×.

Question 7

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

Accepted Answer

UMB Financial (UMBF) P/S ratio at the end of 2025 was 2.0×. Annual values reflect the multiple on the last trading day of each calendar year, using the trailing twelve-month revenue figure available at that date.

Question 8

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

Accepted Answer

Valuation multiples move with two inputs: the numerator (market capitalisation, which tracks the share price) and the denominator (revenue). 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	$4.44B	2.0×	-0.1×	Dec 31, 2025
2024	$5.51B	$2.64B	2.1×	+0.3×	Dec 31, 2024
2023	$4.06B	$2.24B	1.8×	-0.7×	Dec 31, 2023
2022	$4.03B	$1.58B	2.5×	-1.6×	Dec 31, 2022
2021	$5.13B	$1.24B	4.1×	+1.6×	Dec 31, 2021
2020	$3.31B	$1.30B	2.6×	-0.2×	Dec 31, 2020
2019	$3.35B	$1.22B	2.7×	-0.0×	Dec 31, 2019
2018	$2.98B	$1.07B	2.8×	-0.8×	Dec 31, 2018
2017	$3.54B	$978.67M	3.6×	-0.6×	Dec 31, 2017
2016	$3.77B	$900.71M	4.2×	+1.4×	Dec 31, 2016
2015	$2.26B	$825.52M	2.7×	-0.5×	Dec 31, 2015
2014	$2.56B	$786.92M	3.2×	-0.5×	Dec 31, 2014
2013	$2.86B	$764.00M	3.7×	+1.2×	Dec 31, 2013
2012	$1.75B	$676.52M	2.6×	+0.6×	Dec 31, 2012
2011	$1.49B	$757.99M	2.0×	-0.4×	Dec 31, 2011
2010	$1.66B	$706.90M	2.3×	-0.0×	Dec 31, 2010
2009	$1.58B	$666.39M	2.4×	-0.5×	Dec 31, 2009
2008	$1.99B	$700.75M	2.8×	+0.6×	Dec 31, 2008
2007	$1.57B	$703.95M	2.2×	-0.2×	Dec 31, 2007
2006	$1.53B	$624.03M	2.5×	-0.2×	Dec 31, 2006
2005	$1.38B	$523.78M	2.6×	-0.1×	Dec 31, 2005
2004	$1.23B	$449.10M	2.7×	+0.6×	Dec 31, 2004
2003	$1.03B	$485.33M	2.1×	+0.5×	Dec 31, 2003
2002	$838.64M	$527.04M	1.6×	+0.1×	Dec 31, 2002
2001	$883.56M	$606.95M	1.5×	—	Dec 31, 2001


Brookfield (BN)	1.3×
The Hartford (HIG)	1.3×
Chesapeake Financial Shares (CPKF)	1.3×
American Financial Group (AFG)	1.3×
Progressive (PGR)	1.3×
Markel (MKL)	1.3×
PSB Holdings (PSBQ)	1.3×
Principal Financial Group (PFG)	1.3×
Travelers Companies (TRV)	1.3×
PayPal (PYPL)	1.2×
Loews (L)	1.2×
Synchrony Financial (SYF)	1.2×
Citigroup (C)	1.2×
AXIS Capital Holdings (AXS)	1.1×
RenaissanceRe Holdings (RNR)	1.1×
Old Republic International (ORI)	1.0×
Everest Re Group (RE)	0.9×
Assurant (AIZ)	0.8×
Allstate (ALL)	0.8×
Mercury General (MCY)	0.8×
Ally Financial (ALLY)	0.8×
Everest Re Group (EG)	0.8×
MetLife (MET)	0.6×
Prudential Financial (PRU)	0.5×
StoneX Group (SNEX)	0.0×

P/S Ratio for UMB Financial (UMBF)

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

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

About P/S Ratio at UMB Financial (UMBF)

UMB Financial P/S Ratio by Year

UMB Financial P/S Ratio 2025: 2.0×

UMB Financial P/S Ratio 2024: 2.1×

UMB Financial P/S Ratio 2023: 1.8×

UMB Financial P/S Ratio 2022: 2.5×

UMB Financial P/S Ratio 2021: 4.1×

Sector peers by P/S Ratio — chart

Sector peers by P/S Ratio — table

Frequently asked questions

UMB Financial (UMBF) Key Financials

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

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

About P/S Ratio at UMB Financial (UMBF)

UMB Financial P/S Ratio by Year

UMB Financial P/S Ratio 2025: 2.0×

UMB Financial P/S Ratio 2024: 2.1×

UMB Financial P/S Ratio 2023: 1.8×

UMB Financial P/S Ratio 2022: 2.5×

UMB Financial P/S Ratio 2021: 4.1×

Sector peers by P/S Ratio — chart

Sector peers by P/S Ratio — table

Frequently asked questions

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

+How is the P/S ratio calculated?

+What is the P/S ratio?

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

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

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

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

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

UMB Financial (UMBF) Key Financials