UMB Financial Corporation
UMBF30 yrs growthFinancial Services · Stock · quarterly payer
Forward Yield
1.18%
Annual Dividend
$1.72
Payout Ratio
15%
5-Yr Growth
5.5%
Ex-Date
Jun 10, 2026
Frequency
Quarterly
Summary
As of July 2026, UMB Financial Corporation (UMBF) yields 1.18% ($1.72 per share annually), with a blended fair-value estimate of $224.80 — +54% upside, so it screens as undervalued. Dividend safety grade: A (98/100). 30 years of dividend growth.
Is UMBF a good dividend stock?
YesUMB Financial Corporation (UMBF) pays a quarterly dividend yielding 1.18% ($1.72/yr), with 30 years of growth and a dividend-safety grade of A. It scores well across payout coverage, growth history and safety — a dependable income holding.
Advantages
- Dividend Aristocrat — 30 consecutive years of growth
- Never cut its dividend on record
- Comfortable payout ratio (15%)
- Strong 5.5% 5-yr dividend growth
- 59% total price return over 5 years
- Top-tier dividend safety score
Risks
- Single-stock concentration risk — diversify
Key Data
- Dividend Yield
- 1.18%
- Payout Ratio
- 15%
- Annual Dividend
- $1.72
- 5-Yr Avg Growth
- 5.5%
- Ex-Dividend Date
- Jun 10, 2026
- Years of Growth
- 30
- Frequency
- quarterly
- Beta
- 0.78
- Market Cap
- $11.0B
- P/E Ratio
- 12.8
- 5-Yr Total Return
- 59%
- 52-Week Range
- $103.38 – $148.31
- Dividend Safety
- A · 98/100
- Ever Cut?
- No
Frequently Asked Questions
UMBF Price — Last 12 Months
Daily close
Price Return
1 Year
+20%
3 Years
+131%
5 Years
+59%
52-Week Range
$103.38 – $148.31
Price change over each period (excludes dividends). Past performance doesn't guarantee future results.
What is UMBF worth?
Undervaluedlow confidenceOur blended fair-value estimate for UMB Financial Corporation is $224.80 per share, versus a market price of $145.99. That implies 54% of upside — a margin of safety of about 35%.
Fair Value
$224.80
Current Price
$145.99
Upside
+54%
Margin of Safety
35%
How we get there
Discounted cash flow
Discounts projected free cash flow back to today.
Dividend discount
Discounts the future dividend stream back to today.
Earnings multiple (Graham)
Graham's earnings-multiple formula, anchored to bond yields.
At today's price, the market is pricing in about 8.5% annual free-cash-flow growth. We model 20.0% — below our estimate, leaving room for upside if the business executes.
Assumptions: 8.2% discount rate (CAPM), 20.0% stage-1 growth, 2.5% terminal growth, $11.43 EPS, $1.72 annual dividend. Updated weekly.
Fair-value estimates are model output for educational purposes only — not investment advice or a price target.
UMBF Dividend Safety Score
Very Safe
SmarterDividends' proprietary score, backtested against which dividends were actually cut over 15+ years (0.78 AUC). It blends a validated cut-risk model (growth streak, cut history) with current payout, cash-flow and debt. Higher is safer · not investment advice.
Dividend Growth
Total dividends per share by year
Dividend History
| Ex-Date | Pay Date | Amount | Type |
|---|---|---|---|
| Jun 10, 2026 | — | $0.4300 | regular |
| Mar 10, 2026 | — | $0.4300 | regular |
| Dec 10, 2025 | — | $0.4300 | regular |
| Sep 10, 2025 | — | $0.4000 | regular |
| Jun 10, 2025 | — | $0.4000 | regular |
| Mar 10, 2025 | — | $0.4000 | regular |
| Dec 10, 2024 | — | $0.4000 | regular |
| Sep 10, 2024 | — | $0.3900 | regular |
| Jun 10, 2024 | — | $0.3900 | regular |
| Mar 8, 2024 | — | $0.3900 | regular |
| Dec 8, 2023 | — | $0.3900 | regular |
| Sep 8, 2023 | — | $0.3800 | regular |
| Jun 9, 2023 | — | $0.3800 | regular |
| Mar 9, 2023 | — | $0.3800 | regular |
Income Calculator
At $1.72 / yr per share
