UMB Financial (FRA:UMB) Debt-to-Equity : 0.10 (As of Mar. 2025)

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What is UMB Financial Debt-to-Equity?

UMB Financial's Short-Term Debt & Capital Lease Obligation for the quarter that ended in Mar. 2025 was €0 Mil. UMB Financial's Long-Term Debt & Capital Lease Obligation for the quarter that ended in Mar. 2025 was €605 Mil. UMB Financial's Total Stockholders Equity for the quarter that ended in Mar. 2025 was €6,242 Mil. UMB Financial's debt to equity for the quarter that ended in Mar. 2025 was 0.10.

A high debt to equity ratio generally means that a company has been aggressive in financing its growth with debt. This can result in volatile earnings as a result of the additional interest expense.

The historical rank and industry rank for UMB Financial's Debt-to-Equity or its related term are showing as below:

FRA:UMB' s Debt-to-Equity Range Over the Past 10 Years
Min: 0.03 Med: 0.05 Max: 1.13
Current: 0.1

During the past 13 years, the highest Debt-to-Equity Ratio of UMB Financial was 1.13. The lowest was 0.03. And the median was 0.05.

FRA:UMB's Debt-to-Equity is ranked better than
89% of 1482 companies
in the Banks industry
Industry Median: 0.58 vs FRA:UMB: 0.10

UMB Financial Debt-to-Equity Historical Data

The historical data trend for UMB Financial's Debt-to-Equity can be seen below:

* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD.
* For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.

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UMB Financial Debt-to-Equity Chart

UMB Financial Annual Data

Trend

Dec15

Dec16

Dec17

Dec18

Dec19

Dec20

Dec21

Dec22

Dec23

Dec24

Debt-to-Equity

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0.09

0.14

0.45

0.11

UMB Financial Quarterly Data
	Jun20	Sep20	Dec20	Mar21	Jun21	Sep21	Dec21	Mar22	Jun22	Sep22	Dec22	Mar23	Jun23	Sep23	Dec23	Mar24	Jun24	Sep24	Dec24	Mar25
Debt-to-Equity	Get a 7-Day Free Trial															0.44	0.27	0.18	0.11	0.10

Competitive Comparison of UMB Financial's Debt-to-Equity

For the Banks - Regional subindustry, UMB Financial's Debt-to-Equity, along with its competitors' market caps and Debt-to-Equity data, can be viewed below:

* Competitive companies are chosen from companies within the same industry, with headquarter located in same country, with closest market capitalization; x-axis shows the market cap, and y-axis shows the term value; the bigger the dot, the larger the market cap. Note that "N/A" values will not show up in the chart.

UMB Financial's Debt-to-Equity Distribution in the Banks Industry

For the Banks industry and Financial Services sector, UMB Financial's Debt-to-Equity distribution charts can be found below:

* The bar in red indicates where UMB Financial's Debt-to-Equity falls into.

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UMB Financial Debt-to-Equity Calculation

Debt to Equity measures the financial leverage a company has.

UMB Financial's Debt to Equity Ratio for the fiscal year that ended in Dec. 2024 is calculated as

Debt to Equity	=	Total Debt			/	Total Stockholders Equity
	=	(Short-Term Debt & Capital Lease Obligation	+	Long-Term Debt & Capital Lease Obligation)	/	Total Stockholders Equity
	=	(0	+	367.954)	/	3310.547
	=	0.11

UMB Financial's Debt to Equity Ratio for the quarter that ended in Mar. 2025 is calculated as

Debt to Equity	=	Total Debt			/	Total Stockholders Equity
	=	(Short-Term Debt & Capital Lease Obligation	+	Long-Term Debt & Capital Lease Obligation)	/	Total Stockholders Equity
	=	(0	+	605.301)	/	6242.301
	=	0.10

UMB Financial (FRA:UMB) Debt-to-Equity Explanation

In the calculation of Debt to Equity, we use the total of Short-Term Debt & Capital Lease Obligation and Long-Term Debt & Capital Lease Obligation divided by Total Stockholders Equity. In some calculations, Total Liabilities is used to for calculation.

Be Aware

Because a company can increase its ROE % by having more financial leverage, it is important to watch the leverage ratio when investing in high ROE % companies.

UMB Financial Debt-to-Equity Related Terms

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UMB Financial Business Description

Industry

GURUFOCUS.COM » STOCK LIST » Financial Services » Banks » UMB Financial Corp (FRA:UMB) » Definitions » Debt-to-Equity

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UMBF:USA

Address

1010 Grand Boulevard, Kansas City, MO, USA, 64106

Website

https://www.umb.com

UMB Financial Corp, or UMBF, is a financial services holding company offering a suite of banking services and asset servicing to its customers in the United States and around the world. Its client base includes commercial, institutional, and personal customers. Along with its subsidiaries, the company operates in the following business segments: Commercial Banking, Institutional Banking, and Personal Banking. A majority of its revenue is generated from the Commercial Banking segment, which serves the commercial banking and treasury management needs of small to middle-market businesses through various products and services such as commercial loans, commercial real estate financing, commercial credit cards, letters of credit, loan syndication services, consultative services, and others.

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