Is UMB FINANCIAL CORP (UMBFO) Halal?
Shariah Screening — 5 Standards
Based on financial data from December 2025
| Standard | Debt Ratio | Cash Ratio | Receivables | Income | Status |
|---|---|---|---|---|---|
| AAOIFI | Excluded — Banks - Regional | ✗ NOT HALAL | |||
| DJIM | Excluded — Banks - Regional | ✗ NOT HALAL | |||
| MSCI | Excluded — Banks - Regional | ✗ NOT HALAL | |||
| S&P | Excluded — Banks - Regional | ✗ NOT HALAL | |||
| FTSE | Excluded — Banks - Regional | ✗ NOT HALAL | |||
Financial Highlights
Profitability
| Gross Margin | 0.0% | |
| Operating Margin | 43.0% | |
| Net Margin | 28.1% | |
| Return on Equity (ROE) | 12.6% | |
| Return on Assets (ROA) | 1.1% |
Cash Flow & Balance Sheet
| Operating Cash Flow | $1.0B |
| Free Cash Flow | $978M |
| Total Debt | $254M |
| Total Assets | $73.1B |
Price & Trading
| Last Close | $26.07 |
| 50-Day MA | $26.88 |
| 200-Day MA | $26.72 |
| Avg Volume | 14K |
| Beta | 0.8 |
|
52-Week Range
$25.10
| |
About UMB FINANCIAL CORP (UMBFO)
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 Banking. The Commercial Banking segment provides commercial loans and credit cards; commercial real estate financing; letters of credit; loan syndication, and consultative services; various business solutions including asset-based lending, mezzanine debt, and minority equity investment; and treasury management service, such as depository service, account reconciliation, cash management tool, accounts payable and receivable solution, electronic fund transfer and automated payment, controlled disbursement, lockbox service, and remote deposit capture service. The Institutional Banking segment offers banking, fund, asset management, and healthcare services to institutional clients; fund administration and accounting, investor services and transfer agency, alternative investment services, fixed income sales, trading and underwriting, and corporate trust and escrow services, as well as institutional custody services. This segment also provides healthcare payment solutions, including custodial service for health saving accounts and private label, multipurpose debit cards to insurance carriers, third-party administrators, software companies, employers, and financial institutions. The Personal Banking segment offers deposit account, retail credit card, private banking, installment loan, home equity line of credit, residential mortgage, as well as internet banking, ATM network, private banking, brokerage and insurance service, and investment advisory, trust, and custody services. It operates through a network of branches and offices. The company was founded in 1913 and is headquartered in Kansas City, Missouri.
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Frequently Asked Questions
Is UMB FINANCIAL CORP (UMBFO) halal to invest in?
Based on our screening using AAOIFI Standard 21 (the strictest methodology), UMB FINANCIAL CORP is Not Halal. The company fails one or more screening criteria. We screen against all 5 major standards: AAOIFI, DJIM, MSCI, S&P, and FTSE.
What is UMB FINANCIAL CORP's debt ratio?
UMB FINANCIAL CORP's debt ratio is not available under the AAOIFI standard (which uses market capitalization as the denominator). The AAOIFI threshold is 30%.
What are UMB FINANCIAL CORP's key financial metrics?
UMB FINANCIAL CORP has a market capitalization of N/A, and revenue of $2.4B. Return on equity stands at 12.6%.
How often is the screening data updated?
Our screening data is updated regularly using the latest available financial statements and market data. Stock prices and market caps are refreshed frequently, while financial statements are updated quarterly when companies report earnings.
Disclaimer: HalalStockGuide.com provides Shariah compliance screening for educational and informational purposes only. This is not a fatwa, financial advice, or a recommendation to buy or sell any security. Screening results are based on publicly available financial data and established methodologies. Always consult a qualified Islamic scholar and a licensed financial advisor before making investment decisions.