UMBF – Dividend Returns, History & Calculator

Dividend Champion 33 Years

UMB Financial Corporation operates as the bank holding company that provides banking services and asset servicing in the United States and internationally. The Commercial Banking segment provides commercial loans and credit card; commercial real estate financi

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Company Info

Symbol UMBF
Company UMB Financial Corporation
Sector Financial Services
Industry Banks - Regional
Website Visit
Market Cap $9,031.0M

Price Data

Price $118.90
Price Change +0.00
Price Change % +0.00%
Next Earnings Report Jan 27, 2026
Low (52W) $82.00
High (52W) $126.14

Dividend Data

Div Yield 1.45%
5Y Avg Yield 1.74%
Current Div $0.430
Payouts/Year 4
Annualized $1.720
Previous Div $0.400
Ex-date Dec 10, 2025
Dividend Pay Date Jan 2, 2026

Growth Rates

Chowder Number 6.9
DGR 1Y 3.8%
DGR 3Y 3.0%
DGR 5Y 5.5%
DGR 10Y 5.5%

Total Returns

TTR 1Y - With Specials 7.6%
TTR 3Y - With Specials 14.8%
TTR 1Y - No Specials 7.6%
TTR 3Y - No Specials 14.8%

Fair Value

Fair Value (P/E 10) $78.89
FV (P/E 10) % 51.0%
Fair Value (Peter Lynch) $224.25
FV (Peter Lynch) % -47.0%
Fair Value (Blended) $90.22
FV (Blended) % 32.0%

Financial Metrics

Revenue 1Y 11.2%
NPM 24.8%
CF/Share $11.24
ROE 11.1%
Debt/Capital 3.0%
ROTC 9.2%
P/E 13.3x
P/BV 1.3x
PEG 1.67
📊 Financial data last updated: December 29, 2025 12:34 pm (Data may be stale)

Calculate your UMBF Dividend Returns

Quickly and easily calculate UMBF dividend yield using our UMBF calculator. Adjust the fields below to see how your UMBF investments snowball over time.

Show Idealized Scenario (Assumes all future extra investments and dividends are made on Day 1 and reinvested instantly — this creates a best-case scenario for compounding growth.)

Portfolio Growth Over Time

Year-by-Year Portfolio Growth (Realistic DRIP Scenario)

YearStart BalanceStart SharesShare PriceDividend / ShareDividend YieldYield on CostAnnual DividendTotal DividendsEnd SharesEnd Balance
1$10,000200$50.00$1.028.16%8.16%$904$904242$12,104
2$12,709242$52.50$1.078.16%8.57%$1,132$2,035286$15,041
3$15,793286$55.13$1.128.16%9.00%$1,391$3,427333$18,384
4$19,303333$57.88$1.188.16%9.45%$1,686$5,113383$22,189
5$23,299383$60.78$1.248.16%9.92%$2,023$7,136436$26,522
6$27,848436$63.81$1.308.16%10.41%$2,405$9,541493$31,453
7$33,026493$67.00$1.378.16%10.94%$2,841$12,382553$37,066
8$38,920553$70.36$1.448.16%11.48%$3,337$15,719618$43,457
9$45,629618$73.87$1.518.16%12.06%$3,901$19,620687$50,731
10$53,267687$77.57$1.588.16%12.66%$4,544$24,164761$59,011

UMBF Dividend History

Invest in UMBF with Interactive Brokers

UMBF 10-yr Total Return ($10,000 invested)

This chart compares the 10-year total return performance of UMBF with and without dividend reinvestment (DRIP). The analysis demonstrates how reinvesting dividends can significantly enhance long-term investment returns through the power of compounding, showing the difference between collecting dividends as cash versus automatically purchasing additional shares.

With DRIP No DRIP

Projected Future Returns & Dividends for UMBF

Based on past 10-year performance, here are UMBF growth metrics:

Share price CAGR of +9.43%
Dividend CAGR of +5.55%

Using UMBF CAGR metrics, we can estimate that your initial $10,000 investment, over the next 10 years, should grow as follows:

UMBF (DRIP)UMBF (No DRIP)
Current Price$118.95$118.95
Start Shares84.0784.07
Start Value$10,000$10,000
After 10 years:
Final Share Count94.6484.07
Dividends Payment$2.95$2.95
Annual Dividends$277$248
Yield on cost2.77%2.48%
Share Price$292.94$292.94
Total Dividends$2,097$1,969
Final Value$27,725$26,597

Estimated Future Value + Dividends – UMBF

Dividend History: Payments & Yield

Shows quarterly dividend payments with trailing yield and a 5-year rolling average overlay. Use the range pills to switch the visible period.

Yield Dividend

Dividend Growth

Lifetime quarterly dividend amounts, with range controls for 1Y/2Y/5Y/10Y. Useful to visualize the cadence and pace of dividend increases over time.

Dividend

Dividend Payments & Yield

Quarterly dividends with TTM yield and a 5‑year rolling average overlay. Helps compare current yield versus recent history across different ranges.

Dividend 5-yr Rolling AVG Yield

UMBF Dividend History

Dividend Payout Ratio

Tracks the percentage of earnings paid out as dividends each quarter. Lower and stable ratios often indicate safer, more sustainable payouts.

Payout Ratio

Dividend to Free Cash Flow Ratio

Shows dividends as a percentage of free cash flow. Consistently high values may signal limited reinvestment capacity or potential dividend risk.

Dividend/FCF Ratio

Share Price

Historical closing price with range controls. Table view includes quarter‑over‑quarter and year‑over‑year changes for additional context.

UMBF Price

Price to Earnings

This chart displays UMBF price to earnings data over time, helping analyze the company’s financial performance and operational trends.

Price to Sales

This chart displays UMBF price to sales data over time, helping analyze the company’s financial performance and operational trends.

Revenue

This chart displays UMBF revenue data over time, helping analyze the company’s financial performance and operational trends.

Net Income

This chart displays UMBF net income data over time, helping analyze the company’s financial performance and operational trends.

Revenue vs Net Income

This chart displays UMBF revenue vs net income data over time, helping analyze the company’s financial performance and operational trends.

Gross Profit

This chart displays UMBF gross profit data over time, helping analyze the company’s financial performance and operational trends.

Operating Income

This chart displays UMBF operating income data over time, helping analyze the company’s financial performance and operational trends.

EBITDA

This chart displays UMBF ebitda data over time, helping analyze the company’s financial performance and operational trends.

Operating Cash Flow

This chart displays UMBF operating cash flow data over time, helping analyze the company’s financial performance and operational trends.

Free Cash Flow

This chart displays UMBF free cash flow data over time, helping analyze the company’s financial performance and operational trends.

Free Cash Flow / Share

This chart displays UMBF free cash flow / share data over time, helping analyze the company’s financial performance and operational trends.

Earnings Per Share (EPS)

This chart displays UMBF earnings per share (eps) data over time, helping analyze the company’s financial performance and operational trends.

Return on Equity (ROE)

This chart displays UMBF return on equity (roe) data over time, helping analyze the company’s financial performance and operational trends.

Return on Assets (ROA)

This chart displays UMBF return on assets (roa) data over time, helping analyze the company’s financial performance and operational trends.

Net Profit Margin

This chart displays UMBF net profit margin data over time, helping analyze the company’s financial performance and operational trends.

Gross Profit Margin

This chart displays UMBF gross profit margin data over time, helping analyze the company’s financial performance and operational trends.

Cash & Debt

This chart displays UMBF cash & debt data over time, helping analyze the company’s financial performance and operational trends.

Shares Outstanding

This chart displays UMBF shares outstanding data over time, helping analyze the company’s financial performance and operational trends.

Stock-Based Comp

This chart displays UMBF stock-based comp data over time, helping analyze the company’s financial performance and operational trends.

FCF vs Stock Based Comp

This chart displays UMBF fcf vs stock based comp data over time, helping analyze the company’s financial performance and operational trends.

FCF vs FCF / Share

This chart displays UMBF fcf vs fcf / share data over time, helping analyze the company’s financial performance and operational trends.

Revenue: Actual + Estimates

This chart displays UMBF revenue: actual + estimates data over time, helping analyze the company’s financial performance and operational trends.

EPS: Actual + Estimates

This chart displays UMBF eps: actual + estimates data over time, helping analyze the company’s financial performance and operational trends.

Net Income: Actual + Estimates

This chart displays UMBF net income: actual + estimates data over time, helping analyze the company’s financial performance and operational trends.

EBITDA: Actual + Estimates

This chart displays UMBF ebitda: actual + estimates data over time, helping analyze the company’s financial performance and operational trends.

Disclaimer: The information on this page is for educational and entertainment purposes only and does not constitute financial advice. Do your own research and consult a qualified financial advisor before making investment decisions. Data sources include Yahoo Finance and other third-party providers and may contain errors or delays.

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