UMBF Fundamental Analysis - UMB FINANCIAL CORP

Fundamental Rating

Taking everything into account, UMBF scores 5 out of 10 in our fundamental rating. UMBF was compared to 391 industry peers in the Banks industry. UMBF has a bad profitability rating. Also its financial health evaluation is rather negative. UMBF is not priced too expensively while it is growing strongly. Keep and eye on this one! Finally UMBF also has an excellent dividend rating.

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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.

Each year in the past 5 years UMBF had a positive operating cash flow.

1.2 Ratios

The Return On Assets of UMBF (0.73%) is comparable to the rest of the industry.

UMBF has a Return On Equity of 7.20%. This is comparable to the rest of the industry: UMBF outperforms 40.66% of its industry peers.

		Industry Rank	Sector Rank
ROA	0.73%
ROE	7.2%
ROIC	N/A

ROA(3y)0.93%

ROA(5y)0.9%

ROE(3y)13.4%

ROE(5y)12.19%

ROIC(3y)N/A

ROIC(5y)N/A

1.3 Margins

UMBF has a Profit Margin (25.05%) which is in line with its industry peers.

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)	25.05%
GM	N/A

OM growth 3YN/A

OM growth 5YN/A

PM growth 3Y-0.53%

PM growth 5Y4.07%

GM growth 3YN/A

GM growth 5YN/A

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ROA

ROE

ROIC

Operating and Profit Margin

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2. Health

2.1 Basic Checks

UMBF does not have a ROIC to compare to the WACC, probably because it is not profitable.

Compared to 1 year ago, UMBF has more shares outstanding

Compared to 5 years ago, UMBF has less shares outstanding

UMBF has a better debt/assets ratio than last year.

2.2 Solvency

UMBF has a debt to FCF ratio of 5.39. This is a neutral value as UMBF would need 5.39 years to pay back of all of its debts.

UMBF has a Debt to FCF ratio of 5.39. This is in the lower half of the industry: UMBF underperforms 69.31% of its industry peers.

A Debt/Equity ratio of 0.49 indicates that UMBF is not too dependend on debt financing.

Looking at the Debt to Equity ratio, with a value of 0.49, UMBF is doing worse than 76.21% of the companies in the same industry.

		Industry Rank	Sector Rank
Debt/Equity	0.49
Debt/FCF	5.39
Altman-Z	N/A

ROIC/WACCN/A

WACC14.06%

2.3 Liquidity

		Industry Rank	Sector Rank
Current Ratio	N/A
Quick Ratio	N/A

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WACC

Debt/Equity

How to determine the health of a company

Altman-Z score

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3. Growth

3.1 Past

UMBF shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 21.94%, which is quite impressive.

The Earnings Per Share has been growing by 12.68% on average over the past years. This is quite good.

UMBF shows a strong growth in Revenue. In the last year, the Revenue has grown by 38.17%.

Measured over the past years, UMBF shows a quite strong growth in Revenue. The Revenue has been growing by 8.22% on average per year.

EPS 1Y (TTM)21.94%

EPS 3Y7.51%

EPS 5Y12.68%

EPS Q2Q%36.23%

Revenue 1Y (TTM)38.17%

Revenue growth 3Y8.29%

Revenue growth 5Y8.22%

Sales Q2Q%76.71%

3.2 Future

The Earnings Per Share is expected to grow by 12.13% on average over the next years. This is quite good.

The Revenue is expected to grow by 22.30% on average over the next years. This is a very strong growth

EPS Next Y16.46%

EPS Next 2Y13.72%

EPS Next 3Y12.13%

EPS Next 5YN/A

Revenue Next Year59.55%

Revenue Next 2Y31.09%

Revenue Next 3Y22.3%

Revenue Next 5YN/A

3.3 Evolution

The EPS growth rate is stable: in the next years the growth will be about the same than in the last years.

When comparing the Revenue growth rate of the last years to the growth rate of the upcoming years, we see that the growth is accelerating.

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4. Valuation

4.1 Price/Earnings Ratio

With a Price/Earnings ratio of 12.88, UMBF is valued correctly.

Compared to the rest of the industry, the Price/Earnings ratio of UMBF is on the same level as its industry peers.

When comparing the Price/Earnings ratio of UMBF to the average of the S&P500 Index (27.43), we can say UMBF is valued rather cheaply.

UMBF is valuated reasonably with a Price/Forward Earnings ratio of 10.44.

UMBF's Price/Forward Earnings is on the same level as the industry average.

The average S&P500 Price/Forward Earnings ratio is at 22.87. UMBF is valued rather cheaply when compared to this.

		Industry Rank	Sector Rank
PE	12.88
Fwd PE	10.44

4.2 Price Multiples

The rest of the industry has a similar Price/Free Cash Flow ratio as UMBF.

		Industry Rank	Sector Rank
P/FCF	13.88
EV/EBITDA	N/A

4.3 Compensation for Growth

The low PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a rather cheap valuation of the company.

UMBF's earnings are expected to grow with 12.13% in the coming years. This may justify a more expensive valuation.

PEG (NY)0.78

PEG (5Y)1.02

EPS Next 2Y13.72%

EPS Next 3Y12.13%

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5. Dividend

5.1 Amount

UMBF has a Yearly Dividend Yield of 7.29%, which is a nice return.

UMBF's Dividend Yield is rather good when compared to the industry average which is at 3.56. UMBF pays more dividend than 94.12% of the companies in the same industry.

Compared to an average S&P500 Dividend Yield of 2.45, UMBF pays a better dividend.

		Industry Rank	Sector Rank
Dividend Yield	7.29%

5.2 History

The dividend of UMBF has a limited annual growth rate of 5.50%.

UMBF has paid a dividend for at least 10 years, which is 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)5.5%

Div Incr Years29

Div Non Decr Years29

5.3 Sustainability

UMBF pays out 19.28% of its income as dividend. This is a sustainable payout ratio.

UMBF's earnings are growing more than its dividend. This makes the dividend growth sustainable.

DP19.28%

EPS Next 2Y13.72%

EPS Next 3Y12.13%

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UMB FINANCIAL CORP

NASDAQ:UMBF (9/11/2025, 8:19:42 PM)

Premarket: 121.68 0 (0%)

121.68

-0.31 (-0.25%)

Chartmill FA Rating

GICS SectorFinancials

GICS IndustryGroupBanks

GICS IndustryBanks

Earnings (Last)07-29 2025-07-29/amc

Earnings (Next)10-27 2025-10-27/amc

Inst Owners89.24%

Inst Owner Change2.31%

Ins Owners5.53%

Ins Owner Change-0.16%

Market Cap9.24B

Analysts81.18

Price Target134.18 (10.27%)

Short Float %2.78%

Short Ratio3.21

Dividend

		Industry Rank	Sector Rank
Dividend Yield	7.29%

Yearly Dividend1.58

Dividend Growth(5Y)5.5%

DP19.28%

Div Incr Years29

Div Non Decr Years29

Ex-Date09-10 2025-09-10 (0.4)

Surprises & Revisions

EPS beat(2)1

Avg EPS beat(2)1.04%

Min EPS beat(2)-13.34%

Max EPS beat(2)15.42%

EPS beat(4)3

Avg EPS beat(4)2.08%

Min EPS beat(4)-13.34%

Max EPS beat(4)15.42%

EPS beat(8)6

Avg EPS beat(8)3.05%

EPS beat(12)7

Avg EPS beat(12)0.19%

EPS beat(16)10

Avg EPS beat(16)4.2%

Revenue beat(2)1

Avg Revenue beat(2)2.37%

Min Revenue beat(2)-1.12%

Max Revenue beat(2)5.85%

Revenue beat(4)2

Avg Revenue beat(4)1.99%

Min Revenue beat(4)-1.12%

Max Revenue beat(4)5.85%

Revenue beat(8)4

Avg Revenue beat(8)1.22%

Revenue beat(12)4

Avg Revenue beat(12)-0.25%

Revenue beat(16)5

Avg Revenue beat(16)0.21%

PT rev (1m)0%

PT rev (3m)9.17%

EPS NQ rev (1m)-1%

EPS NQ rev (3m)2.32%

EPS NY rev (1m)2.64%

EPS NY rev (3m)2.41%

Revenue NQ rev (1m)-0.46%

Revenue NQ rev (3m)2.63%

Revenue NY rev (1m)2.14%

Revenue NY rev (3m)2.22%

Valuation

		Industry Rank	Sector Rank
PE	12.88
Fwd PE	10.44
P/S	4.41
P/FCF	13.88
P/OCF	13.1
P/B	1.27
P/tB	1.87
EV/EBITDA	N/A

EPS(TTM)9.45

EY7.77%

EPS(NY)11.65

Fwd EY9.58%

FCF(TTM)8.77

FCFY7.2%

OCF(TTM)9.29

OCFY7.63%

SpS27.57

BVpS95.95

TBVpS65.08

PEG (NY)0.78

PEG (5Y)1.02

Profitability

		Industry Rank	Sector Rank
ROA	0.73%
ROE	7.2%
ROCE	N/A
ROIC	N/A
ROICexc	N/A
ROICexgc	N/A
OM	N/A
PM (TTM)	25.05%
GM	N/A
FCFM	31.8%

ROA(3y)0.93%

ROA(5y)0.9%

ROE(3y)13.4%

ROE(5y)12.19%

ROIC(3y)N/A

ROIC(5y)N/A

ROICexc(3y)N/A

ROICexc(5y)N/A

ROICexgc(3y)N/A

ROICexgc(5y)N/A

ROCE(3y)N/A

ROCE(5y)N/A

ROICexcg growth 3YN/A

ROICexcg growth 5YN/A

ROICexc growth 3YN/A

ROICexc growth 5YN/A

OM growth 3YN/A

OM growth 5YN/A

PM growth 3Y-0.53%

PM growth 5Y4.07%

GM growth 3YN/A

GM growth 5YN/A

F-Score5

Asset Turnover0.03

Health

		Industry Rank	Sector Rank
Debt/Equity	0.49
Debt/FCF	5.39
Debt/EBITDA	N/A
Cap/Depr	42.53%
Cap/Sales	1.89%
Interest Coverage	N/A
Cash Conversion	N/A
Profit Quality	126.94%
Current Ratio	N/A
Quick Ratio	N/A
Altman-Z	N/A

F-Score5

WACC14.06%

ROIC/WACCN/A

Cap/Depr(3y)62.48%

Cap/Depr(5y)68.76%

Cap/Sales(3y)2.28%

Cap/Sales(5y)2.83%

Profit Quality(3y)113.07%

Profit Quality(5y)118.07%

High Growth Momentum

Growth

EPS 1Y (TTM)21.94%

EPS 3Y7.51%

EPS 5Y12.68%

EPS Q2Q%36.23%

EPS Next Y16.46%

EPS Next 2Y13.72%

EPS Next 3Y12.13%

EPS Next 5YN/A

Revenue 1Y (TTM)38.17%

Revenue growth 3Y8.29%

Revenue growth 5Y8.22%

Sales Q2Q%76.71%

Revenue Next Year59.55%

Revenue Next 2Y31.09%

Revenue Next 3Y22.3%

Revenue Next 5YN/A

EBIT growth 1YN/A

EBIT growth 3YN/A

EBIT growth 5YN/A

EBIT Next YearN/A

EBIT Next 3YN/A

EBIT Next 5YN/A

FCF growth 1Y42.44%

FCF growth 3Y-26.21%

FCF growth 5Y-5.56%

OCF growth 1Y35.82%

OCF growth 3Y-25%

OCF growth 5Y-7.9%

UMB FINANCIAL CORP (UMBF) Stock Fundamental Analysis

1. Profitability

1.1 Basic Checks

1.2 Ratios

1.3 Margins

More info and screens

2. Health

2.1 Basic Checks

2.2 Solvency

2.3 Liquidity

More info and screens

3. Growth

3.1 Past

3.2 Future

3.3 Evolution

More info and screens

4. Valuation

4.1 Price/Earnings Ratio

4.2 Price Multiples

4.3 Compensation for Growth

More info and screens

5. Dividend

5.1 Amount

5.2 History

5.3 Sustainability

More info and screens