UMB Financial Corporation
UMBF30 yrs growthFinancial Services · Stock · quarterly payer
Forward Yield
1.42%
Annual Dividend
$2.00
Payout Ratio
14%
5-Yr Growth
5.5%
Ex-Date
Sep 10, 2026
Frequency
Quarterly
Summary
As of September 2026, UMB Financial Corporation (UMBF) yields 1.42% ($2.00 per share annually), with a blended fair-value estimate of $231.76 — +61% 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 1.42% ($2.00/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 (14%)
- Strong 5.5% 5-yr dividend growth
- 49% total price return over 5 years
- Top-tier dividend safety score
Risks
- Single-stock concentration risk — diversify
Key Data
- Dividend Yield
- 1.42%
- Payout Ratio
- 14%
- Annual Dividend
- $2.00
- 5-Yr Avg Growth
- 5.5%
- Ex-Dividend Date
- Sep 10, 2026
- Years of Growth
- 30
- Frequency
- quarterly
- Beta
- 0.78
- Market Cap
- $10.6B
- P/E Ratio
- 11.8
- 5-Yr Total Return
- 49%
- 52-Week Range
- $103.38 – $153.32
- Dividend Safety
- A · 98/100
- Ever Cut?
- No
Frequently Asked Questions
UMBF Price — Last 12 Months
Daily close
Price Return
1 Year
+21%
3 Years
+132%
5 Years
+49%
52-Week Range
$103.38 – $153.32
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 $231.76 per share, versus a market price of $143.76. That implies 61% of upside — a margin of safety of about 38%.
Fair Value
$231.76
Current Price
$143.76
Upside
+61%
Margin of Safety
38%
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 8.3% 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, $12.03 EPS, $2.00 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 |
|---|---|---|---|
| Sep 10, 2026 | — | $0.5000 | regular |
| 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 |
Income Calculator
At $2.00 / yr per share
