UMB Financial (UMB Financial) Debt-to-Equity

: 0.45 (As of Dec. 2023)

View and export this data going back to 1990. Start your Free Trial

UMB Financial's Short-Term Debt & Capital Lease Obligation for the quarter that ended in Dec. 2023 was $1,000 Mil. UMB Financial's Long-Term Debt & Capital Lease Obligation for the quarter that ended in Dec. 2023 was $383 Mil. UMB Financial's Total Stockholders Equity for the quarter that ended in Dec. 2023 was $3,100 Mil. UMB Financial's debt to equity for the quarter that ended in Dec. 2023 was 0.45.

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:

UMBF' s Debt-to-Equity Range Over the Past 10 Years
Min: 0.01 Med: 0.04 Max: 0.45
Current: 0.45

During the past 13 years, the highest Debt-to-Equity Ratio of UMB Financial was 0.45. The lowest was 0.01. And the median was 0.04.

UMBF's Debt-to-Equity is ranked better than
63.77% of 1394 companies
in the Banks industry
Industry Median: 0.7 vs UMBF: 0.45

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.

* Premium members only.

UMB Financial Annual Data

Trend

Dec14

Dec15

Dec16

Dec17

Dec18

Dec19

Dec20

Dec21

Dec22

Dec23

Debt-to-Equity

Get a 7-Day Free Trial

0.03

0.09

0.14

0.45

UMB Financial Quarterly Data
	Mar19	Jun19	Sep19	Dec19	Mar20	Jun20	Sep20	Dec20	Mar21	Jun21	Sep21	Dec21	Mar22	Jun22	Sep22	Dec22	Mar23	Jun23	Sep23	Dec23
Debt-to-Equity	Get a 7-Day Free Trial															0.14	1.13	0.49	0.96	0.45

Competitive Comparison

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 Debt-to-Equity Distribution

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.

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. 2023 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
	=	(1000	+	383.247)	/	3100.419
	=	0.45

UMB Financial's Debt to Equity Ratio for the quarter that ended in Dec. 2023 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
	=	(1000	+	383.247)	/	3100.419
	=	0.45

UMB Financial (NAS:UMBF) 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

Thank you for viewing the detailed overview of UMB Financial's Debt-to-Equity provided by GuruFocus.com. Please click on the following links to see related term pages.

UMB Financial (UMB Financial) Business Description

Industry

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

Comparable Companies

Traded in Other Exchanges

UMB:Germany

Address

1010 Grand Boulevard, Kansas, MO, USA, 64106

Website

https://www.umb.com

UMB Financial Corp, or UMBF, is a financial services holding company offering a suite of banking, asset management, and health spending solutions. Its customer base includes commercial, institutional, and personal customers across the United States. The company's banking subsidiaries own and operate banking and wealth-management centres mostly throughout the Midwest and Southwest regions of the U.S. Subsidiaries of the holding company and its lead bank, UMB Bank, include mutual fund and alternative investment services groups, single-purpose companies that deal with brokerage services and insurance, and a registered investment advisory. The bank's revenue is split nearly evenly between interest income and noninterest income.

Executives

Thomas S Terry	officer: Chief Lending Officer	1010 GRAND BOULEVARD, KANSAS CITY MO 64106
Robert Brian Beaird	officer: Chief Human Resource Officer	1010 GRAND BLVD, KANSAS CITY MO 64106
Uma Wilson	officer: Executive Vice President	1010 GRAND BLVD, KANSAS CITY MO 64106
Shannon Andresen Johnson	officer: EVP/Chief HR Officer	1010 GRAND BLVD, KANSAS CITY MO 64106
J Mariner Kemper	officer: Vice Chairman	1010 GRAND BLVD., KANSAS CITY MO 64106
Abigail M Wendel	officer: President - Consumer Banking	1010 GRAND BOULEVARD, KANSAS CITY MO 64106
Tamara Peterman	director	1010 GRAND BLVD, KANSAS CITY MO 64106
Greg M Graves	director	1010 GRAND BLVD, KANSAS CITY MO 64106
Nikki Farentino Newton	officer: President, Private Wealth Mgmt	1010 GRAND BLVD, KANSAS CITY MO 64106
Timothy R. Murphy	director	1524 N. CORRINGTON AVE, KANSAS CITY MO 64120
Phillip James Mason	officer: President, Inst. Banking	1010 GRAND BLVD, KANSAS CITY MO 64106
Janine Davidson	director	1010 GRAND BLVD, KANSAS CITY MO 64106
Lansford E. Gordon	director	1001 LOCUST ST., KANSAS CITY MO 64106
Kris A Robbins	director
L Joshua Sosland	director