UMB FINANCIAL CORP (UMBF)
US9027881088 - Common Stock
Overall UMBF gets a fundamental rating of 3 out of 10. We evaluated UMBF against 411 industry peers in the Banks industry. There are concerns on the financial health of UMBF while its profitability can be described as average. UMBF has a decent growth rate and is not valued too expensively.
1. Profitability
1.1 Basic Checks
UMBF had positive earnings in the past year.
UMBF had a positive operating cash flow in the past year.
Each year in the past 5 years UMBF has been profitable.
UMBF had a positive operating cash flow in each of the past 5 years.
1.2 Ratios
UMBF has a Return On Assets (0.81%) which is comparable to the rest of the industry.
Looking at the Return On Equity, with a value of 11.67%, UMBF is in the better half of the industry, outperforming 77.37% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 0.81% | ||
| ROE | 11.67% | ||
| ROIC | N/A |
ROA(3y)0.91%
ROA(5y)0.91%
ROE(3y)12.9%
ROE(5y)11.51%
ROIC(3y)N/A
ROIC(5y)N/A
1.3 Margins
With a Profit Margin value of 24.71%, UMBF perfoms like the industry average, outperforming 57.66% of the companies in the same industry.
In the last couple of years the Profit Margin of UMBF has grown nicely.
UMBF does not have Operating Margin and Gross Margin available, so we won't be analyzing them here.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| OM | N/A | ||
| PM (TTM) | 24.71% | ||
| GM | N/A |
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y2.57%
PM growth 5Y4.39%
GM growth 3YN/A
GM growth 5YN/A
2. Health
2.1 Basic Checks
UMBF does not have a ROIC to compare to the WACC, probably because it is not profitable.
The number of shares outstanding for UMBF has been increased compared to 1 year ago.
Compared to 5 years ago, UMBF has less shares outstanding
The debt/assets ratio for UMBF is higher compared to a year ago.
2.2 Solvency
UMBF has a debt to FCF ratio of 8.69. This is a slightly negative value and a sign of low solvency as UMBF would need 8.69 years to pay back of all of its debts.
Looking at the Debt to FCF ratio, with a value of 8.69, UMBF is doing worse than 76.16% of the companies in the same industry.
A Debt/Equity ratio of 1.40 is on the high side and indicates that UMBF has dependencies on debt financing.
The Debt to Equity ratio of UMBF (1.40) is worse than 87.83% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 1.4 | ||
| Debt/FCF | 8.69 | ||
| Altman-Z | N/A |
ROIC/WACCN/A
WACC15.24%
2.3 Liquidity
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | N/A | ||
| Quick Ratio | N/A |
3. Growth
3.1 Past
UMBF shows a strong negative growth in Earnings Per Share. In the last year the EPS decreased by -12.44%.
UMBF shows quite a strong growth in Earnings Per Share. Measured over the last years, the EPS has been growing by 12.81% yearly.
UMBF shows a decrease in Revenue. In the last year, the revenue decreased by -1.14%.
UMBF shows a small growth in Revenue. Measured over the last years, the Revenue has been growing by 7.63% yearly.
EPS 1Y (TTM)-12.44%
EPS 3Y20.54%
EPS 5Y12.81%
EPS Q2Q%18.42%
Revenue 1Y (TTM)-1.14%
Revenue growth 3Y4.22%
Revenue growth 5Y7.63%
Sales Q2Q%7.2%
3.2 Future
UMBF is expected to show quite a strong growth in Earnings Per Share. In the coming years, the EPS will grow by 14.04% yearly.
The Revenue is expected to grow by 21.23% on average over the next years. This is a very strong growth
EPS Next Y15.76%
EPS Next 2Y3.01%
EPS Next 3Y14.04%
EPS Next 5YN/A
Revenue Next Year5.61%
Revenue Next 2Y25.8%
Revenue Next 3Y21.23%
Revenue Next 5YN/A
3.3 Evolution
When comparing the EPS growth rate of the last years to the growth rate of the upcoming years, we see that the growth is stable.
The Revenue growth rate is accelerating: in the next years the growth will be better than in the last years.
4. Valuation
4.1 Price/Earnings Ratio
A Price/Earnings ratio of 10.95 indicates a reasonable valuation of UMBF.
UMBF's Price/Earnings is on the same level as the industry average.
UMBF's Price/Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 28.05.
UMBF is valuated reasonably with a Price/Forward Earnings ratio of 10.82.
The rest of the industry has a similar Price/Forward Earnings ratio as UMBF.
When comparing the Price/Forward Earnings ratio of UMBF to the average of the S&P500 Index (20.07), we can say UMBF is valued slightly cheaper.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 10.95 | ||
| Fwd PE | 10.82 |
4.2 Price Multiples
Compared to the rest of the industry, the Price/Free Cash Flow ratio of UMBF indicates a somewhat cheap valuation: UMBF is cheaper than 61.56% of the companies listed in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 7.92 | ||
| EV/EBITDA | N/A |
4.3 Compensation for Growth
UMBF's low PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a rather cheap valuation of the company.
A more expensive valuation may be justified as UMBF's earnings are expected to grow with 14.04% in the coming years.
PEG (NY)0.69
PEG (5Y)0.85
EPS Next 2Y3.01%
EPS Next 3Y14.04%
5. Dividend
5.1 Amount
UMBF has a Yearly Dividend Yield of 1.93%. Purely for dividend investing, there may be better candidates out there.
Compared to an average industry Dividend Yield of 3.78, UMBF is paying slightly less dividend.
Compared to an average S&P500 Dividend Yield of 2.38, UMBF has a dividend comparable with the average S&P500 company.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 1.93% |
5.2 History
The dividend of UMBF has a limited annual growth rate of 5.48%.
UMBF has been paying a dividend for at least 10 years, so it has a reliable track record.
UMBF has not decreased its dividend for at least 10 years, so it has a reliable track record of non decreasing dividend.
Dividend Growth(5Y)5.48%
Div Incr Years16
Div Non Decr Years16
5.3 Sustainability
UMBF pays out 20.35% of its income as dividend. This is a sustainable payout ratio.
The dividend of UMBF is growing, but earnings are growing more, so the dividend growth is sustainable.
DP20.35%
EPS Next 2Y3.01%
EPS Next 3Y14.04%
UMB FINANCIAL CORP
NASDAQ:UMBF (5/31/2024, 7:11:13 PM)
After market: 82.44 0 (0%)82.44
+1.65 (+2.04%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)
Earnings (Next)
Inst Owners
Inst Owner Change
Ins Owners
Ins Owner Change
Market Cap4.02B
Analysts
Price Target
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 1.93% |
Dividend Growth(5Y)
DP
Div Incr Years
Div Non Decr Years
Ex-Date
Surprises & Revisions
EPS beat(2)
Avg EPS beat(2)
Min EPS beat(2)
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EPS beat(4)
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EPS beat(8)
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EPS beat(16)
Avg EPS beat(16)
Revenue beat(2)
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Revenue beat(4)
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Revenue beat(8)
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Revenue beat(12)
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Revenue beat(16)
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PT rev (1m)
PT rev (3m)
EPS NQ rev (1m)
EPS NQ rev (3m)
EPS NY rev (1m)
EPS NY rev (3m)
Revenue NQ rev (1m)
Revenue NQ rev (3m)
Revenue NY rev (1m)
Revenue NY rev (3m)
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 10.95 | ||
| Fwd PE | 10.82 | ||
| P/S | |||
| P/FCF | |||
| P/OCF | |||
| P/B | |||
| P/tB | |||
| EV/EBITDA |
EPS(TTM)
EY
EPS(NY)
Fwd EY
FCF(TTM)
FCFY
OCF(TTM)
OCFY
SpS
BVpS
TBVpS
PEG (NY)0.69
PEG (5Y)0.85
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 0.81% | ||
| ROE | 11.67% | ||
| ROCE | |||
| ROIC | |||
| ROICexc | |||
| ROICexgc | |||
| OM | N/A | ||
| PM (TTM) | 24.71% | ||
| GM | N/A | ||
| FCFM |
ROA(3y)
ROA(5y)
ROE(3y)
ROE(5y)
ROIC(3y)
ROIC(5y)
ROICexc(3y)
ROICexc(5y)
ROICexgc(3y)
ROICexgc(5y)
ROCE(3y)
ROCE(5y)
ROICexcg growth 3Y
ROICexcg growth 5Y
ROICexc growth 3Y
ROICexc growth 5Y
OM growth 3Y
OM growth 5Y
PM growth 3Y
PM growth 5Y
GM growth 3Y
GM growth 5Y
F-Score
Asset Turnover0.03
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 1.4 | ||
| Debt/FCF | |||
| Debt/EBITDA | |||
| Cap/Depr | |||
| Cap/Sales | |||
| Interest Coverage | |||
| Cash Conversion | |||
| Profit Quality | |||
| Current Ratio | N/A | ||
| Quick Ratio | N/A | ||
| Altman-Z |
F-Score
WACC
ROIC/WACC
Cap/Depr(3y)
Cap/Depr(5y)
Cap/Sales(3y)
Cap/Sales(5y)
Profit Quality(3y)
Profit Quality(5y)
High Growth Momentum
Growth
EPS 1Y (TTM)-12.44%
EPS 3Y20.54%
EPS 5Y
EPS Q2Q%
EPS Next Y15.76%
EPS Next 2Y
EPS Next 3Y
EPS Next 5Y
Revenue 1Y (TTM)-1.14%
Revenue growth 3Y4.22%
Revenue growth 5Y
Sales Q2Q%
Revenue Next Year
Revenue Next 2Y
Revenue Next 3Y
Revenue Next 5Y
EBIT growth 1Y
EBIT growth 3Y
EBIT growth 5Y
EBIT Next Year
EBIT Next 3Y
EBIT Next 5Y
FCF growth 1Y
FCF growth 3Y
FCF growth 5Y
OCF growth 1Y
OCF growth 3Y
OCF growth 5Y