UMBF – Dividend Returns, History & Calculator

Dividend Champion 33 Years

Dividend Data

Div Yield 1.41%
5Y Avg Yield 1.51%
Current Div $0.430
Payouts/Year 4
Annualized $1.720
Previous Div $0.430
Ex-date Mar 10, 2026
Dividend Pay Date Apr 1, 2026

Price Data

Price $122.22
Price Change -1.40
Price Change % -1.13%
Next Earnings Report Apr 28, 2026
Low (52W) $90.96
High (52W) $136.11

Growth Rates

Chowder Number 7.1
DGR 1Y 5.1%
DGR 3Y 3.4%
DGR 5Y 5.7%
DGR 10Y 5.6%

Total Returns

TTR 1Y - With Specials 31.4%
TTR 3Y - With Specials 27.4%
TTR 1Y - No Specials 31.4%
TTR 3Y - No Specials 27.4%

Fair Value

Fair Value (P/E 10) $81.15
FV (P/E 10) % 51.0%
Fair Value (Peter Lynch) $232.25
FV (Peter Lynch) % -47.0%
Fair Value (Blended) $98.16
FV (Blended) % 25.0%

Financial Metrics

Revenue 1Y 62.3%
NPM 25.5%
CF/Share $13.48
ROE 12.6%
Debt/Capital 3.0%
ROTC 9.2%
P/E 13.2x
P/BV 1.3x
PEG 2.54

Company Info

Symbol UMBF
Company UMB Financial Corporation
Sector Financial Services
Industry Banks - Regional
Website Visit
Market Cap $9,305.4M
📊 Financial data last updated: April 27, 2026 12:36 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

Data last updated: May 6, 2026 4:13 pm

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

YearStart BalanceStart SharesShare PriceDividend / ShareDividend YieldYield on CostAnnual DividendTotal DividendsEnd SharesEnd Balance
1$10,00075$132.68$0.431.30%1.30%$140$14085$11,340
2$12,39785$145.05$0.451.25%1.37%$166$30695$13,763
3$15,04595$158.56$0.481.21%1.45%$193$498104$16,438
4$17,970104$173.34$0.511.17%1.53%$221$719112$19,391
5$21,198112$189.50$0.541.14%1.62%$251$970120$22,649
6$24,759120$207.16$0.571.10%1.72%$282$1,251127$26,241
7$28,687127$226.47$0.601.06%1.82%$315$1,566133$30,201
8$33,016133$247.57$0.641.03%1.92%$349$1,915140$34,565
9$37,787140$270.65$0.671.00%2.03%$386$2,301145$39,372
10$43,042145$295.87$0.710.96%2.15%$424$2,725151$44,666

UMBF Dividend History

Ex-Date Payment Date Amount TTM Yield Forward Yield Price on Ex-Date
03/10/202603/10/2026$0.4301.47%1.53%$112.70
12/10/202512/10/2025$0.4301.38%1.45%$118.43
09/10/202509/10/2025$0.4001.31%1.31%$121.99
06/10/202506/10/2025$0.4001.50%1.51%$106.09
03/10/202503/10/2025$0.4001.60%1.62%$98.78
12/10/202412/10/2024$0.4001.26%1.29%$124.24
09/10/202409/10/2024$0.3901.54%1.54%$101.51
06/10/202406/10/2024$0.3901.93%1.94%$80.31
03/08/202403/08/2024$0.3901.86%1.88%$82.87
12/08/202312/08/2023$0.3902.01%2.05%$76.27
09/08/202309/08/2023$0.3802.46%2.46%$61.76
06/09/202306/09/2023$0.3802.30%2.31%$65.75
03/09/202303/09/2023$0.3801.88%1.91%$79.76
12/09/202212/09/2022$0.3801.84%1.88%$81.02
09/09/202209/09/2022$0.3701.64%1.64%$90.36
06/09/202206/09/2022$0.3701.67%1.67%$88.39
03/09/202203/09/2022$0.3701.47%1.52%$97.38
12/09/202112/09/2021$0.3701.32%1.42%$104.56
09/09/202109/09/2021$0.3701.49%1.66%$89.20
06/09/202106/09/2021$0.3201.35%1.36%$94.39
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Invest in UMBF with Interactive Brokers

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

This analysis of UMBF demonstrates the power of dividend reinvestment over a 10-year period with a $10,000 initial investment. The dividend reinvestment strategy delivered a 9.0% CAGR, representing moderate long-term performance. The DRIP strategy provided 20% more total return compared to collecting dividends as cash, highlighting the compounding effect of reinvestment.

With DRIP No DRIP

Total Return with and without DRIP (UMBF)

Over the selected period, investing $10,000 in UMBF would grow to $27,713 with DRIP (177.1%), and $25,757 without DRIP (157.6%).

UMBF Dividend Reinvestment Snowball

Investing $10,000 + $100/mo in UMBF with historic price growth (9.32%) and dividend growth (5.79%) produces dramatically different outcomes depending on whether you reinvest dividends.

After 20 Years

Your Investment: $34,000

With DRIP

Portfolio: $146,065

Annual Dividend: $981

Yield on Cost: 2.89%

Total Dividends: $9,388

No DRIP

Portfolio: $134,731

Total Dividends: $8,490

After 30 Years

Your Investment: $46,000

With DRIP

Portfolio: $396,431

Annual Dividend: $1,918

Yield on Cost: 4.17%

Total Dividends: $23,052

No DRIP

Portfolio: $347,185

Total Dividends: $20,000

Milestones on the way

By year 13, the compounding really starts to show. Your total dividends collected reach $4,171 against a total investment of $25,600. At this point, your portfolio is throwing off $577 per year in dividends alone.

By year 17, the annual dividend climbs to around your initial contribution. For a starting investment of $10,000, the yearly dividend now sits at approximately $789, a powerful “income on autopilot” milestone.

After two decades, cumulative dividends total $9,388 versus $34,000 invested, nearly a 28% recovery of capital purely from income. Yield on cost reaches 2.89%.

At year 25, the income engine takes over. The portfolio’s annual dividend of $1,384 is greater than total contributions to date ($40,000), and cumulative dividends exceed $15,091.

By year 30, the DRIP snowball is in full force. Yearly income reaches $1,918, cumulative dividends total $23,052, and the DRIP portfolio value stands at $396,431, compared with $347,185 if dividends weren’t reinvested.

How we estimate these numbers

We use the latest calculator inputs for UMBF, price $132.68, dividend per period $0.43 (4x/year), along with historic growth assumptions: price growth 9.32% and dividend growth 5.79% annually.

We simulate month by month for 30 years. Every month, a $100 contribution is added and converted to shares at that month’s price. Dividends are paid roughly evenly across the year based on the dividend frequency; in the DRIP path, each payout immediately buys additional shares at the then-current price. In the No-DRIP path, dividends accrue as cash. Prices grow using a monthly rate derived from the annual price growth. Dividends per share increase once per year at the annual dividend growth rate.

This model isn’t investment advice; it’s a simple, transparent framework that illustrates how reinvesting dividends can accelerate both income and total return over time.

Projected Future Returns & Dividends for UMBF

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

Share price CAGR of +9.53%
Dividend CAGR of +5.63%

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$125.35$125.35
Start Shares79.7879.78
Start Value$10,000$10,000
After 10 years:
Final Share Count89.2679.78
Dividends Payment$2.97$2.97
Annual Dividends$263$237
Yield on cost2.63%2.37%
Share Price$311.50$311.50
Total Dividends$1,993$1,877
Final Value$27,806$26,728

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

Ex-Date Payment Date Amount TTM Yield Forward Yield Price on Ex-Date
03/10/202603/10/2026$0.4301.47%1.53%$112.70
12/10/202512/10/2025$0.4301.38%1.45%$118.43
09/10/202509/10/2025$0.4001.31%1.31%$121.99
06/10/202506/10/2025$0.4001.50%1.51%$106.09
03/10/202503/10/2025$0.4001.60%1.62%$98.78
12/10/202412/10/2024$0.4001.26%1.29%$124.24
09/10/202409/10/2024$0.3901.54%1.54%$101.51
06/10/202406/10/2024$0.3901.93%1.94%$80.31
03/08/202403/08/2024$0.3901.86%1.88%$82.87
12/08/202312/08/2023$0.3902.01%2.05%$76.27
09/08/202309/08/2023$0.3802.46%2.46%$61.76
06/09/202306/09/2023$0.3802.30%2.31%$65.75
03/09/202303/09/2023$0.3801.88%1.91%$79.76
12/09/202212/09/2022$0.3801.84%1.88%$81.02
09/09/202209/09/2022$0.3701.64%1.64%$90.36
06/09/202206/09/2022$0.3701.67%1.67%$88.39
03/09/202203/09/2022$0.3701.47%1.52%$97.38
12/09/202112/09/2021$0.3701.32%1.42%$104.56
09/09/202109/09/2021$0.3701.49%1.66%$89.20
06/09/202106/09/2021$0.3201.35%1.36%$94.39
03/09/202103/09/2021$0.3201.35%1.37%$93.19
12/09/202012/09/2020$0.3201.81%1.86%$68.92
09/09/202009/09/2020$0.3102.37%2.37%$52.28
06/09/202006/09/2020$0.3102.00%2.01%$61.59
03/09/202003/09/2020$0.3102.57%2.61%$47.47
12/09/201912/09/2019$0.3101.80%1.84%$67.37
09/09/201909/09/2019$0.3001.90%1.90%$63.15
06/07/201906/07/2019$0.3001.90%1.92%$62.57
03/08/201903/08/2019$0.3001.80%1.83%$65.48
12/07/201812/07/2018$0.3001.83%1.88%$63.95
09/07/201809/07/2018$0.2901.52%1.54%$75.47
06/08/201806/08/2018$0.2901.39%1.45%$79.91
03/08/201803/08/2018$0.2901.42%1.53%$75.87
12/07/201712/07/2017$0.2751.40%1.48%$74.44
09/07/201709/07/2017$0.2551.61%1.61%$63.35
06/07/201706/07/2017$0.2551.42%1.43%$71.27
03/08/201703/08/2017$0.2551.31%1.34%$76.14
12/07/201612/07/2016$0.2551.26%1.30%$78.49
09/07/201609/07/2016$0.2451.65%1.65%$59.45
06/08/201606/08/2016$0.2451.68%1.70%$57.78
03/08/201603/08/2016$0.2451.89%1.93%$50.72
12/08/201512/08/2015$0.2451.97%2.04%$48.11
09/08/201509/08/2015$0.2351.88%1.88%$49.91
06/08/201506/08/2015$0.2351.67%1.68%$55.81
03/06/201503/06/2015$0.2351.78%1.82%$51.74
12/08/201412/08/2014$0.2351.65%1.70%$55.14
09/08/201409/08/2014$0.2251.55%1.55%$57.88
06/06/201406/06/2014$0.2251.47%1.48%$60.61
03/06/201403/06/2014$0.2251.39%1.42%$63.53
12/06/201312/06/2013$0.2251.38%1.43%$62.99
09/06/201309/06/2013$0.2151.50%1.50%$57.18
06/05/201306/05/2013$0.2151.62%1.64%$52.50
03/06/201303/06/2013$0.2151.84%1.88%$45.63
12/06/201212/06/2012$0.2151.95%2.02%$42.52
09/06/201209/06/2012$0.2051.65%1.65%$49.78
06/06/201206/06/2012$0.2051.79%1.81%$45.21
03/07/201203/07/2012$0.2051.91%1.95%$41.98
12/07/201112/07/2011$0.2052.19%2.27%$36.07
09/07/201109/07/2011$0.1952.11%2.11%$37.05
06/08/201106/08/2011$0.1951.86%1.89%$41.30
03/09/201103/09/2011$0.1951.92%1.97%$39.54
12/08/201012/08/2010$0.1951.87%1.94%$40.17
09/08/201009/08/2010$0.1852.22%2.22%$33.33
06/09/201006/09/2010$0.1852.00%2.02%$36.56
03/09/201003/09/2010$0.1851.79%1.84%$40.28
12/09/200912/09/2009$0.1851.82%1.90%$38.97
09/08/200909/08/2009$0.1751.75%1.75%$40.05
06/09/200906/09/2009$0.1751.75%1.78%$39.36
03/09/200903/09/2009$0.1751.99%2.05%$34.11
12/09/200812/09/2008$0.1751.42%1.52%$45.98
09/08/200809/08/2008$0.1651.15%1.20%$54.90
06/09/200806/09/2008$0.1651.20%1.30%$50.61
03/07/200803/07/2008$0.1501.57%1.62%$36.98
12/07/200712/07/2007$0.1501.54%1.62%$36.93
09/10/200709/10/2007$0.1401.29%1.31%$42.66
06/07/200706/07/2007$0.1401.42%1.47%$38.10
03/08/200703/08/2007$0.1401.40%1.48%$37.74
12/08/200612/08/2006$0.1301.44%1.45%$35.87
09/07/200609/07/2006$0.1301.49%1.52%$34.17
06/08/200606/08/2006$0.1301.46%1.55%$33.50
03/09/200603/09/2006$0.1251.39%1.48%$33.86
12/09/200512/09/2005$0.1251.39%1.53%$32.77
09/08/200509/08/2005$0.1101.36%1.36%$32.40
06/08/200506/08/2005$0.1101.57%1.58%$27.78
03/09/200503/09/2005$0.1101.54%1.57%$27.96
12/09/200412/09/2004$0.1101.47%1.52%$28.86
09/09/200409/09/2004$0.1051.71%1.71%$24.50
06/08/200406/08/2004$0.1051.63%1.65%$25.39
03/09/200403/09/2004$0.1051.64%1.68%$25.05
12/10/200312/10/2003$0.1051.67%1.73%$24.23
09/10/200309/10/2003$0.1001.67%1.67%$24.00
06/06/200306/06/2003$0.1001.89%1.89%$21.20
03/07/200303/07/2003$0.1002.10%2.10%$19.08
12/10/200212/10/2002$0.1002.10%2.10%$19.02
09/11/200209/11/2002$0.1002.01%2.01%$19.90
06/06/200206/06/2002$0.1001.73%1.75%$22.88
03/07/200203/07/2002$0.1001.92%1.97%$20.31
12/10/200112/10/2001$0.1001.84%1.91%$21.00
06/07/200106/07/2001$0.0952.05%2.05%$18.62
03/08/200103/08/2001$0.0952.11%2.11%$18.10
12/08/200012/08/2000$0.0952.35%2.35%$16.19
09/12/200009/12/2000$0.0952.19%2.24%$17.02
06/08/200006/08/2000$0.0952.20%2.31%$16.52
03/08/200003/08/2000$0.0952.20%2.35%$16.19
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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

UMBF trades at a 37.8x price-to-earnings ratio. This elevated valuation suggests investors expect strong future growth.

Price to Sales

UMBF trades at a 13.1x price-to-sales ratio, providing insight into market valuation relative to revenue generation.

Revenue

UMBF generated $0.7B in revenue. Revenue has grown by 101% over the period.

Net Income

UMBF reported $0.3B in net income. Net income has grown by 137% over the period.

Revenue vs Net Income

UMBF generated $0.7B in revenue with net income of $0.3B, representing a 34.6% net profit margin.

Gross Profit

UMBF achieved $0.6B in gross profit, showing revenue after direct production costs.

Operating Income

UMBF generated $0.3B in operating income, representing profit from core business operations.

EBITDA

UMBF generated $0.3B in EBITDA, measuring operational profitability before interest, taxes, depreciation, and amortization.

Operating Cash Flow

UMBF generated $0.3B in operating cash flow, demonstrating the company’s ability to convert earnings into cash.

Free Cash Flow

UMBF generated $0.3B in free cash flow. Free cash flow has increased by 141% over the period.

Free Cash Flow / Share

UMBF generates $3.53 in free cash flow per share. FCF per share has grown by 141% over the period.

Earnings Per Share (EPS)

UMBF reported $3.36 in earnings per share. EPS has grown by 137% over the period.

Return on Equity (ROE)

UMBF delivered a 28.8% return on equity, indicating how effectively the company generates returns for shareholders.

Return on Assets (ROA)

UMBF achieved a 17.3% return on assets, measuring how efficiently the company uses its assets to generate profit.

Net Profit Margin

UMBF maintains a 34.6% net profit margin, showing the percentage of revenue retained as profit after all expenses.

Gross Profit Margin

UMBF operates with a 82.2% gross profit margin, reflecting pricing power and cost efficiency in core operations.

Cash & Debt

UMBF holds $0.1B in cash against $0.0B in debt, resulting in a net cash position of $0.1B.

Shares Outstanding

UMBF has 0.1B shares outstanding.

Stock-Based Comp

UMBF reported $0.0B in stock-based compensation. Over the period, stock-based compensation has increased by 101%.

FCF vs Stock Based Comp

UMBF generated $0.3B in free cash flow while spending $0.0B on stock-based compensation, representing 7% of FCF.

FCF vs FCF / Share

UMBF reported $0.3B in free cash flow, translating to $3.53 per share.

Revenue: Actual + Estimates

This chart tracks UMBF revenue: actual + estimates metrics over time, providing insights into the company’s financial performance and trends.

EPS: Actual + Estimates

This chart tracks UMBF eps: actual + estimates metrics over time, providing insights into the company’s financial performance and trends.

Net Income: Actual + Estimates

This chart tracks UMBF net income: actual + estimates metrics over time, providing insights into the company’s financial performance and trends.

EBITDA: Actual + Estimates

This chart tracks UMBF ebitda: actual + estimates metrics over time, providing insights into the company’s financial performance and trends.

About UMB Financial Corporation

UMB Financial Corporation operates as a bank holding company that provides banking services and asset servicing in the United States and internationally. The company operates through three segments: Commercial Banking, Institutional Banking, and Personal Banki

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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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