UMB FINANCIAL CORP (UMBF) Stock Fundamental Analysis
USA - NASDAQ:UMBF - US9027881088 - Common Stock
109.4 USD
+0.72 (+0.66%)
Overall UMBF gets a fundamental rating of 4 out of 10. We evaluated UMBF against 390 industry peers in the Banks industry. UMBF has a bad profitability rating. Also its financial health evaluation is rather negative. UMBF is not overvalued while it is showing excellent growth. This is an interesting combination.
1. Profitability
1.1 Basic Checks
In the past year UMBF was profitable.
UMBF had a positive operating cash flow in the past year.
UMBF had positive earnings in each of the past 5 years.
Each year in the past 5 years UMBF had a positive operating cash flow.
1.2 Ratios
UMBF has a Return On Assets of 0.73%. This is comparable to the rest of the industry: UMBF outperforms 41.03% of its industry peers.
The Return On Equity of UMBF (7.20%) is worse than 61.03% 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 of 25.05%. This is in the better half of the industry: UMBF outperforms 60.26% of its industry peers.
UMBF's Profit Margin has improved in the last couple of years.
The Operating Margin and Gross Margin are not available for UMBF so they could not be analyzed.
| 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
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
The number of shares outstanding for UMBF has been reduced compared to 5 years ago.
UMBF has a better debt/assets ratio than last year.
2.2 Solvency
The Debt to FCF ratio of UMBF is 5.39, which is a neutral value as it means it would take UMBF, 5.39 years of fcf income to pay off all of its debts.
UMBF has a worse Debt to FCF ratio (5.39) than 70.00% of its industry peers.
A Debt/Equity ratio of 0.49 indicates that UMBF is not too dependend on debt financing.
The Debt to Equity ratio of UMBF (0.49) is worse than 76.67% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.49 | ||
| Debt/FCF | 5.39 | ||
| Altman-Z | N/A |
ROIC/WACCN/A
WACC14.34%
2.3 Liquidity
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | N/A | ||
| Quick Ratio | N/A |
3. Growth
3.1 Past
UMBF shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 23.44%, which is quite impressive.
The Earnings Per Share has been growing by 12.68% on average over the past years. This is quite good.
The Revenue has grown by 11.43% in the past year. This is quite good.
The Revenue has been growing by 8.22% on average over the past years. This is quite good.
EPS 1Y (TTM)23.44%
EPS 3Y7.51%
EPS 5Y12.68%
EPS Q2Q%20%
Revenue 1Y (TTM)11.43%
Revenue growth 3Y8.29%
Revenue growth 5Y8.22%
Sales Q2Q%69.08%
3.2 Future
Based on estimates for the next years, UMBF will show a quite strong growth in Earnings Per Share. The EPS will grow by 12.51% on average per year.
UMBF is expected to show a strong growth in Revenue. In the coming years, the Revenue will grow by 22.58% yearly.
EPS Next Y5.58%
EPS Next 2Y13.71%
EPS Next 3Y12.51%
EPS Next 5YN/A
Revenue Next Year60.1%
Revenue Next 2Y31.48%
Revenue Next 3Y22.58%
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.
4. Valuation
4.1 Price/Earnings Ratio
With a Price/Earnings ratio of 11.05, the valuation of UMBF can be described as very reasonable.
Compared to the rest of the industry, the Price/Earnings ratio of UMBF is on the same level as its industry peers.
Compared to an average S&P500 Price/Earnings ratio of 26.76, UMBF is valued rather cheaply.
Based on the Price/Forward Earnings ratio of 9.39, the valuation of UMBF can be described as reasonable.
Compared to the rest of the industry, the Price/Forward Earnings ratio of UMBF is on the same level as its industry peers.
UMBF's Price/Forward Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 22.63.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 11.05 | ||
| Fwd PE | 9.39 |
4.2 Price Multiples
UMBF's Price/Free Cash Flow is on the same level as the industry average.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 12.48 | ||
| EV/EBITDA | N/A |
4.3 Compensation for Growth
The high PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates an expensive valuation of the company.
A more expensive valuation may be justified as UMBF's earnings are expected to grow with 12.51% in the coming years.
PEG (NY)1.98
PEG (5Y)0.87
EPS Next 2Y13.71%
EPS Next 3Y12.51%
5. Dividend
5.1 Amount
UMBF has a Yearly Dividend Yield of 1.58%. Purely for dividend investing, there may be better candidates out there.
UMBF's Dividend Yield is slightly below the industry average, which is at 3.50.
Compared to the average S&P500 Dividend Yield of 2.31, UMBF is paying slightly less dividend.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 1.58% |
5.2 History
The dividend of UMBF has a limited annual growth rate of 5.50%.
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)5.5%
Div Incr Years29
Div Non Decr Years29
5.3 Sustainability
19.28% of the earnings are spent on dividend by UMBF. This is a low number and sustainable payout ratio.
The dividend of UMBF is growing, but earnings are growing more, so the dividend growth is sustainable.
DP19.28%
EPS Next 2Y13.71%
EPS Next 3Y12.51%
NASDAQ:UMBF (10/30/2025, 10:48:50 AM)
109.4
+0.72 (+0.66%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)
Earnings (Next)
Inst Owners92.56%
Inst Owner Change-0.15%
Ins Owners5.51%
Ins Owner Change-0.41%
Market Cap8.31B
Revenue(TTM)1.63B
Net Income(TTM)524.34M
Analysts81.11
Price Target141.7 (29.52%)
Short Float %3.38%
Short Ratio5.13
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 1.58% |
Yearly Dividend1.58
Dividend Growth(5Y)5.5%
DP19.28%
Div Incr Years29
Div Non Decr Years29
Ex-Date
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)1.13%
PT rev (3m)8.21%
EPS NQ rev (1m)1.02%
EPS NQ rev (3m)-1.86%
EPS NY rev (1m)-0.68%
EPS NY rev (3m)-6.95%
Revenue NQ rev (1m)0.19%
Revenue NQ rev (3m)1.97%
Revenue NY rev (1m)0.04%
Revenue NY rev (3m)2.53%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 11.05 | ||
| Fwd PE | 9.39 | ||
| P/S | 3.97 | ||
| P/FCF | 12.48 | ||
| P/OCF | 11.78 | ||
| P/B | 1.14 | ||
| P/tB | 1.68 | ||
| EV/EBITDA | N/A |
EPS(TTM)9.9
EY9.05%
EPS(NY)11.65
Fwd EY10.65%
FCF(TTM)8.77
FCFY8.01%
OCF(TTM)9.29
OCFY8.49%
SpS27.57
BVpS95.95
TBVpS65.08
PEG (NY)1.98
PEG (5Y)0.87
Graham Number146.2
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
ROICexgc growth 3YN/A
ROICexgc 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
WACC14.34%
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)23.44%
EPS 3Y7.51%
EPS 5Y12.68%
EPS Q2Q%20%
EPS Next Y5.58%
EPS Next 2Y13.71%
EPS Next 3Y12.51%
EPS Next 5YN/A
Revenue 1Y (TTM)11.43%
Revenue growth 3Y8.29%
Revenue growth 5Y8.22%
Sales Q2Q%69.08%
Revenue Next Year60.1%
Revenue Next 2Y31.48%
Revenue Next 3Y22.58%
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 FAQ
Can you provide the ChartMill fundamental rating for UMB FINANCIAL CORP?
ChartMill assigns a fundamental rating of 4 / 10 to UMBF.
What is the valuation status for UMBF stock?
ChartMill assigns a valuation rating of 4 / 10 to UMB FINANCIAL CORP (UMBF). This can be considered as Fairly Valued.
What is the profitability of UMBF stock?
UMB FINANCIAL CORP (UMBF) has a profitability rating of 3 / 10.
Can you provide the financial health for UMBF stock?
The financial health rating of UMB FINANCIAL CORP (UMBF) is 2 / 10.
What is the expected EPS growth for UMB FINANCIAL CORP (UMBF) stock?
The Earnings per Share (EPS) of UMB FINANCIAL CORP (UMBF) is expected to grow by 5.58% in the next year.