UMBFUMB FINANCIAL CORP
National Commercial Banks
- Revenue
- —
- Operating margin
- —
- EBITDA
- —
- Market cap
- —
- Employees
- —
- Net debt / EBITDA
- —
- −$4.3B net debt
- AI in 10-K
- —
Red flags 0 of 9
- TSR below peersClear—3+ of last 5 years
- High CEO pay despite TSRClear—Median CEO pay ≥ $15M and TSR flag
- Active 13DClear0 filingsActive-intent 13D in 18 months
- Net insider sellingClear$0 netNet sales over $10M in 12 months
- Earnings not backed by cashClear146% of net incomeCash flow under 80% of net income
- Dilutive SBCClear—Over 10% of revenue
- Payouts exceed cash flowClear15% of cash flowBuybacks + dividends over cash flow
- Goodwill-heavyClear3% of assetsOver 40% of assets
- Shareholder dissentClear—Any vote under 80% support
Financials
| Metric | FY2021 | FY2022 | FY2023 | FY2024 | FY2025 | YoY |
|---|---|---|---|---|---|---|
| Net income | $353M | $432M | $350M | $441M | $702M | 59% |
| Operating cash flow | $534M | $770M | $473M | $225M | $1.0B | 356% |
| Capex | $34M | $52M | $23M | $20M | $49M | 143% |
| Stock-based comp | $21M | $21M | $19M | $23M | $38M | 67% |
| Buybacks | $6M | $32M | $8M | $8M | $18M | 128% |
| Dividends | $67M | $72M | $74M | $77M | $136M | 76% |
Deal filings
None.
13D filers
None on file.
Insider trading
- Open-market buys, 12 mo
- $0 · 0
- Open-market sells, 12 mo
- $101K · 2
- Net
- −$101K
Pay vs performance
No pay-versus-performance disclosure yet.