What if you'd held UMBF?
A $1,000 investment in UMB Financial Corporation (UMBF) at the month-end close of 1980-03 would be worth $62,170 at the close of 2026-08 — +6117.0% total return, dividends reinvested. The same $1,000 in the S&P 500 would be worth $75,502.
Your scenario
Result
If you'd bought $1,000 at the start of each year
Value of $1,000 invested on January 1 of each year, held to 2026-08, dividends included.
Every year, $1,000 from 1980
| Year | Value of $1,000 | Year return |
|---|---|---|
| 1980 | $1,000 | — |
| 1981 | $1,042 | +4.2% |
| 1982 | $931 | -10.7% |
| 1983 | $1,121 | +20.4% |
| 1984 | $1,304 | +16.3% |
| 1985 | $1,598 | +22.6% |
| 1986 | $1,585 | -0.8% |
| 1987 | $1,690 | +6.6% |
| 1988 | $1,683 | -0.4% |
| 1989 | $2,000 | +18.8% |
| 1990 | $1,837 | -8.2% |
| 1991 | $2,582 | +40.6% |
| 1992 | $2,827 | +9.5% |
| 1993 | $2,693 | -4.7% |
| 1994 | $2,310 | -14.2% |
| 1995 | $2,663 | +15.3% |
| 1996 | $3,281 | +23.2% |
| 1997 | $4,716 | +43.7% |
| 1998 | $4,029 | -14.6% |
| 1999 | $3,716 | -7.8% |
| 2000 | $3,765 | +1.3% |
| 2001 | $4,297 | +14.1% |
| 2002 | $4,193 | -2.4% |
| 2003 | $5,307 | +26.6% |
| 2004 | $6,428 | +21.1% |
| 2005 | $7,363 | +14.5% |
| 2006 | $8,539 | +16.0% |
| 2007 | $9,101 | +6.6% |
| 2008 | $11,824 | +29.9% |
| 2009 | $9,647 | -18.4% |
| 2010 | $10,366 | +7.5% |
| 2011 | $9,513 | -8.2% |
| 2012 | $11,405 | +19.9% |
| 2013 | $17,000 | +49.1% |
| 2014 | $15,281 | -10.1% |
| 2015 | $12,739 | -16.6% |
| 2016 | $21,451 | +68.4% |
| 2017 | $20,297 | -5.4% |
| 2018 | $17,484 | -13.9% |
| 2019 | $20,056 | +14.7% |
| 2020 | $20,585 | +2.6% |
| 2021 | $32,121 | +56.0% |
| 2022 | $25,709 | -20.0% |
| 2023 | $26,278 | +2.2% |
| 2024 | $36,088 | +37.3% |
| 2025 | $37,330 | +3.4% |
| 2026 | $47,745 | +27.9% |
Best and worst month-end to buy
The best single month-end close to have bought UMBF was 1980-03 ($2.35): $1,000 then is $62,170 today. The worst was 2026-08 ($146): $1,000 then is $1,000.
FAQ
What would $1,000 in UMBF be worth today?
A $1,000 investment in UMB Financial Corporation (UMBF) at the start of 1980 would be worth about $62,170 today, a total return of +6117.0%. Dividends are reinvested in these figures.
What were the best and worst years for UMBF?
UMB Financial Corporation (UMBF)'s strongest calendar year since 1980 was 2016, a +68.4% return — $1,000 held through that year became about $1,684 by year-end. Its weakest year was 2022, at -20.0%.
Does the calculator include dividends and splits?
Yes where available. Prices are adjusted for both stock splits and reinvested dividends (total return), the same measure brokerages use.
How much would $100 per month in UMBF have grown?
Investing $100 at the end of every month since 1980-03 would have grown to about $794,974 on $55,800 invested.
Did UMBF beat the S&P 500?
Over the same period, $1,000 in the S&P 500 index would be worth $75,502. UMBF trailed the S&P 500 by +17.7% in total return.
Is this investment advice?
No. Wall Street Regrets is an entertainment and education tool. Every number is a historical calculation, not a prediction, and past performance never guarantees future results.
Methodology
UMB Financial Corporation (UMBF) historical total-return data from 1980-03 to 2026-08, reduced to month-end closes for the tables above.
Returns use adjusted close prices from Yahoo Finance historical data — adjusted for stock splits and reinvested dividends — the same convention used by major brokerages. A "year" scenario invests $1,000 at the prior December's month-end close and values it at the latest available month-end close. Non-USD amounts are converted at historical month-end exchange rates (Yahoo Finance): to USD on the buy date and back to your currency at the latest rate, so the return reflects the currency move as well as the asset.
Month-end resolution means intra-month extremes are not captured in tables; the calculator uses exact trading-day closes where daily data is available. Figures ignore taxes, fees, and the currency effects of non-USD listings. History is not a forecast. Wall Street Regrets is entertainment, not investment advice.
What if you'd held…
Data: adjusted close prices via Yahoo Finance. As of 2026-08. Not financial advice.