UMB Financial (UMBF) Total Return Calculator
$10,000 since Dec 2007, with and without reinvesting · data through Oct 2026
$10,000 invested in UMB Financial (UMBF) ten years ago, at the end of Oct 2016, was worth $25,638 at the end of Oct 2026 with every dividend reinvested: 9.9% a year, against $41,633 in the S&P 500. Since Dec 2007, $10,000 became $48,458 reinvested (8.7% a year), or $40,604 taking the dividends as cash, $5,550 of it paid out along the way.
UMBF became
$48,458
S&P 500: $72,756
Return a year
8.7%
S&P 500: 11.1%
Payouts reinvested
$6,726
bought more shares
Worst drop
-45.5%
S&P 500: -48.2%
$10,000, Dec 2007 to Oct 2026
Payouts reinvested · S&P 500 reinvested
| Year | UMBF total return | Paid out | S&P 500 |
|---|---|---|---|
| 2026 (part) | +18.1% | $491 | +11.7% |
| 2025 | +3.5% | $577 | +17.7% |
| 2024 | +37.3% | $559 | +24.9% |
| 2023 | +2.2% | $492 | +26.2% |
| 2022 | −20.0% | $494 | −18.2% |
| 2021 | +56.0% | $468 | +28.7% |
| 2020 | +2.6% | $370 | +18.3% |
| 2019 | +14.7% | $395 | +31.2% |
| 2018 | −13.9% | $355 | −4.6% |
| 2017 | −5.4% | $333 | +21.7% |
| 2016 | +68.4% | $300 | +12.0% |
| 2015 | −16.7% | $290 | +1.2% |
| 2014 | −10.1% | $273 | +13.5% |
| 2013 | +49.0% | $258 | +32.3% |
| 2012 | +19.9% | $257 | +16.0% |
| 2011 | −8.2% | $220 | +1.9% |
| 2010 | +7.4% | $212 | +15.1% |
| 2009 | −18.4% | $200 | +26.4% |
| 2008 | +29.9% | $182 | −36.8% |
"Paid out" is what your holding received that year. Month-end prices; no costs or taxes.
Key facts: UMBF total return
Data as of · Source: SmarterDividends data
- $10,000 invested in UMB Financial (UMBF) at the end of Dec 2007, with dividends reinvested, was worth $48,458 at the end of Oct 2026: 8.7% a year, against $72,756 (11.1% a year) in the S&P 500.
- Over the 10 years to Oct 2026, UMBF turned $10,000 into $25,638 with dividends reinvested, 9.9% a year.
- Over the 5 years to Oct 2026, UMBF returned 8.2% a year with dividends reinvested (S&P 500: 12.0%).
- Taking UMBF's dividends as cash instead of reinvesting them, the same $10,000 ended at $40,604, including $5,550 of cash received; reinvesting added $7,853.
- UMBF's best calendar year in that time was 2016 (68.4%) and its worst 2022 (-20.0%), with dividends reinvested.
Cite this page
SmarterDividends, "UMB Financial (UMBF) Total Return Calculator," updated Nov 5, 2026, https://smarterdividends.com/stocks/UMBF/total-return
UMBF total return questions
If I invested $10,000 in UMBF 10 years ago, how much would I have?
About $25,638 at the end of Oct 2026, with every dividend reinvested: 9.9% a year. Taking them as cash, you'd have shares worth $21,671 or so plus the cash you received. The same $10,000 in the S&P 500 became $41,633.
What is UMBF's total return since Dec 2007?
385% in total, or 8.7% a year, through Oct 2026 with dividends reinvested. The share price alone rose 251%.
How much of UMBF's return came from dividends?
About 21% of its yearly return since Dec 2007. Reinvesting them, rather than taking cash, left you $7,853 better off on a $10,000 start.
What was UMBF's worst year?
2022, at -20.0% with dividends reinvested (S&P 500: -18.2%). Its deepest fall from a peak, on month-end values, was -45.5%.
How is total return calculated here?
From month-end prices: the adjusted price counts every dividend reinvested in the month it was paid; the plain price doesn't. The S&P 500 is SPY with its dividends reinvested. No trading costs or taxes.