UMBF 10 Year Annualized Return and Average Annual Return

The UMBF 10 year annualized return is 11.97% with dividends reinvested through 07/17/2026. Investors often use annualized return to compare long-term performance because it shows the average yearly compounded return over a full period rather than just the headline total gain.

This page shows UMBF average annual return, total return, start and end dates, and the growth of a hypothetical $10,000 investment with dividends reinvested.

Quick links: Annualized Return Table  |  Performance Chart  |  FAQ
UMBF Average Annual Return Chart 10 Years
Growth of $10,000.00
With Dividends Reinvested Into UMBF

Also see:
• UMBF stock yearly return 2016
• UMBF stock yearly return 2017
• UMBF stock yearly return 2018
• UMBF stock yearly return 2019
• UMBF stock yearly return 2020
• UMBF stock yearly return 2021
• UMBF stock yearly return 2022
• UMBF stock yearly return 2023
• UMBF stock yearly return 2024
• UMBF stock yearly return 2025
• UMBF YTD return
Average Annual Return Benchmarks
Compare UMBF average annual return versus benchmarks:

S&P Average Annual Return
Dow Average Annual Return
Nasdaq 100 Average Annual Return
Russell 2000 Average Annual Return
Gold Average Annual Return
10 Year Treasury Average Annual Return
UMBF Share Performance
UMBF Average Annual Return Table 10 Years
Start date: 07/20/2016
End date: 07/17/2026
Start price/share: $55.56
End price/share: $145.99
Starting shares: 179.99
Ending shares: 212.08
Dividends reinvested/share: $13.32
Total return: 209.62%
UMBF Average Annual Return: 11.97%
Starting investment: $10,000.00
Ending investment: $30,965.80


UMBF average annual return is presented with the assumption of reinvestments of any dividends on ex-date.
About UMB Financial Corp
UMB Financial Corporation is a financial services company that provides a broad range of financial services through three main segments: Commercial Banking, Institutional Banking, and Personal Banking. The Commercial Banking segment serves small to middle-market businesses with deposit, lending, investment, and treasury management services. Institutional Banking offers banking, fund services, asset management, and healthcare services to institutional clients. Personal Banking delivers consumer banking and wealth management through personal relationships, branches, ATMs, and internet banking, ensuring comprehensive financial solutions. The UMBF average annual return 10 years is shown above.

The Average Annual Return on the UMBF average annual return 10 years page and across the coverage universe of our site, is a measure of the annualized return over the past ten years (or specified start date) for a given investment (up to the end of prior trading session recorded). Arguably, choosing ten years for a measurement period is on the one hand completely arbitrary, but on the other hand provides a sufficiently long window to capture long-term trends.

Thus, researching Average Annual Returns is good practice for investors — whether UMBF average annual return 10 years or other benchmarks/peers — and when doing so it is also important to factor in dividends, because a financial instrument's annualized return is more than just the change in price if that instrument pays a dividend or coupon. Our website aims to empower investors by performing the UMBF average annual return calculation with any dividends reinvested as applicable (on ex-dates).
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Average Annual Return Peers
UMB Financial (UMBF) is categorized under the Financials sector; to help you further research average annual return performance across stocks, below are some other companies in the same sector:

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★★★★ Based on a ranking of our entire coverage universe by highest ten year average annual return, UMB Financial (UMBF) ranks within the highest 50% of all stocks whose returns we have reviewed.
What has the average annual return been for UMBF over the past ten years?
✔️Accepted answer: The ten year UMBF average annual return has been 11.97% with dividends reinvested.

When you say 'with dividends reinvested' what does that mean?
✔️Accepted answer: That means that each time the stock goes ex-dividend, the average annual return calculation then factors in how that dividend amount could have been reinvested into more shares of UMBF at the then-current price — often this is referred to as 'compounding' and is very important when considering average annual return over a long period like a full decade.

What start date was used in your UMBF average annual return calculation?
✔️Accepted answer: The start date was 07/20/2016.

What end date was used in your UMBF average annual return calculation?
✔️Accepted answer: The end date was 07/17/2026.

If I had invested $10,000 into UMBF ten years ago, how much would I have today?
✔️Accepted answer: With dividends reinvested, as of 07/17/2026, you would have $30,965.80.

What does that work out to on a total return basis?
✔️Accepted answer: The UMBF ten year total return ending 07/17/2026 works out to 209.62%.


Also see:
• UMBF stock yearly return 2016
• UMBF stock yearly return 2017
• UMBF stock yearly return 2018
• UMBF stock yearly return 2019
• UMBF stock yearly return 2020
• UMBF stock yearly return 2021
• UMBF stock yearly return 2022
• UMBF stock yearly return 2023
• UMBF stock yearly return 2024
• UMBF stock yearly return 2025
• UMBF YTD return
 

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