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UMBF (UMB Financial) PB Ratio : 1.22 (As of Apr. 04, 2025)


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What is UMB Financial PB Ratio?

The PB Ratio, or Price-to-Book ratio, or Price/Book, is a financial ratio used to compare a company's market price to its Book Value per Share. As of today (2025-04-04), UMB Financial's share price is $86.925. UMB Financial's Book Value per Share for the quarter that ended in Dec. 2024 was $71.02. Hence, UMB Financial's PB Ratio of today is 1.22.

Good Sign:

UMB Financial Corp stock PB Ratio (=1.28) is close to 1-year low of 1.23.

The historical rank and industry rank for UMB Financial's PB Ratio or its related term are showing as below:

UMBF' s PB Ratio Range Over the Past 10 Years
Min: 0.77   Med: 1.45   Max: 2.03
Current: 1.22

During the past 13 years, UMB Financial's highest PB Ratio was 2.03. The lowest was 0.77. And the median was 1.45.

UMBF's PB Ratio is ranked worse than
77.43% of 1524 companies
in the Banks industry
Industry Median: 0.89 vs UMBF: 1.22

During the past 12 months, UMB Financial's average Book Value Per Share Growth Rate was 11.20% per year. During the past 3 years, the average Book Value Per Share Growth Rate was 3.00% per year. During the past 5 years, the average Book Value Per Share Growth Rate was 3.90% per year. During the past 10 years, the average Book Value Per Share Growth Rate was 7.10% per year.

During the past 13 years, the highest 3-Year average Book Value Per Share Growth Rate of UMB Financial was 12.90% per year. The lowest was 0.50% per year. And the median was 6.80% per year.

Back to Basics: PB Ratio


UMB Financial PB Ratio Historical Data

The historical data trend for UMB Financial's PB Ratio 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 PB Ratio Chart

UMB Financial Annual Data
Trend Dec15 Dec16 Dec17 Dec18 Dec19 Dec20 Dec21 Dec22 Dec23 Dec24
PB Ratio
Get a 7-Day Free Trial Premium Member Only Premium Member Only 1.10 1.63 1.51 1.31 1.59

UMB Financial Quarterly Data
Mar20 Jun20 Sep20 Dec20 Mar21 Jun21 Sep21 Dec21 Mar22 Jun22 Sep22 Dec22 Mar23 Jun23 Sep23 Dec23 Mar24 Jun24 Sep24 Dec24
PB Ratio Get a 7-Day Free Trial Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only 1.31 1.34 1.26 1.45 1.59

Competitive Comparison of UMB Financial's PB Ratio

For the Banks - Regional subindustry, UMB Financial's PB Ratio, along with its competitors' market caps and PB Ratio 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 PB Ratio Distribution in the Banks Industry

For the Banks industry and Financial Services sector, UMB Financial's PB Ratio distribution charts can be found below:

* The bar in red indicates where UMB Financial's PB Ratio falls into.


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UMB Financial PB Ratio Calculation

The PB Ratio, or Price-to-Book ratio, or Price/Book, is a financial ratio used to compare a company's market price to its Book Value per Share. It is a ratio widely used to value stocks.

UMB Financial's PB Ratio for today is calculated as follows:

PB Ratio=Share Price/Book Value per Share (Q: Dec. 2024)
=86.925/71.015
=1.22

* 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.

It can also be calculated from the numbers for the whole company:

A closely related ratio is called Price-to-Tangible-Book. The difference between Price-to-Tangible-Book and PB Ratio is that book value other than intangibles are used in the calculation.


UMB Financial  (NAS:UMBF) PB Ratio Explanation

Unlike valuation ratios relative to the earning power such as PE Ratio, PE Ratio without NRI, PS Ratio, Price-to-Operating-Cash-Flow , or Price-to-Free-Cash-Flow, the PB Ratio measures the valuation of the stock relative to the underlying asset of the company.

The PB Ratio works the best for the businesses that earn most of their profit from their assets, e.g. banks and insurance companies.


Be Aware

Some businesses have very light assets, such as software companies or insurance agencies. The PB Ratio does not work well for these companies. Some companies even have negative equity, so the PB Ratio cannot be applied to them.


UMB Financial PB Ratio Related Terms

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


UMB Financial Business Description

Traded in Other Exchanges
N/A
Address
1010 Grand Boulevard, Kansas City, MO, USA, 64106
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.
Executives
Nikki Farentino Newton officer: President, Private Wealth Mgmt 1010 GRAND BLVD, 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
J Mariner Kemper officer: Vice Chairman 1010 GRAND BLVD., KANSAS CITY MO 64106
Kevin Charles Gallagher director 370 17TH ST, SUITE 5600, DENVER CO 80202
Robert Brian Beaird officer: Chief Human Resource Officer 1010 GRAND BLVD, KANSAS CITY MO 64106
Thomas S Terry officer: Chief Lending Officer 1010 GRAND BOULEVARD, KANSAS CITY MO 64106
David Carl Odgers officer: Chief Accounting Officer 1010 GRAND BLVD, KANSAS CITY MO 64106
James D Rine officer: Executive Vice President 1010 GRAND BOULEVARD, KANSAS CITY MO 64106
John Pauls officer: EVP & General Counsel 1010 GRAND BLVD, KANSAS CITY MO 64106
Kris A Robbins director
Ram Shankar officer: Chief Financial Officer 1010 GRAND BLVD., KANSAS CITY MO 64106
Uma Wilson officer: Executive Vice President 1010 GRAND BLVD, KANSAS CITY MO 64106
Phillip James Mason officer: President, Inst. Banking 1010 GRAND BLVD, KANSAS CITY MO 64106
Stacy H King officer: Chief Risk Officer 1010 GRAND BLVD, KANSAS CITY MO 64106