UMBF Fundamental Analysis - UMB FINANCIAL CORP

Fundamental Rating

We assign a fundamental rating of 4 out of 10 to UMBF. UMBF was compared to 392 industry peers in the Banks industry. Both the profitability and financial health of UMBF have multiple concerns. UMBF is not overvalued while it is showing excellent growth. This is an interesting combination. UMBF also has an excellent dividend rating.

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1. Profitability

1.1 Basic Checks

In the past year UMBF was profitable.

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

In the past 5 years UMBF has always been profitable.

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

1.2 Ratios

UMBF has a Return On Assets (0.73%) which is in line with its industry peers.

UMBF has a Return On Equity (7.20%) which is comparable to the rest of the industry.

		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's Profit Margin of 25.05% is in line compared to the rest of the industry. UMBF outperforms 59.95% 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

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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.

The number of shares outstanding for UMBF has been increased compared to 1 year ago.

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

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 worse Debt to FCF ratio (5.39) than 69.39% of its industry peers.

UMBF has a Debt/Equity ratio of 0.49. This is a healthy value indicating a solid balance between debt and equity.

UMBF's Debt to Equity ratio of 0.49 is on the low side compared to the rest of the industry. UMBF is outperformed by 76.28% of its industry peers.

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

ROIC/WACCN/A

WACC14.2%

2.3 Liquidity

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

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WACC

Debt/Equity

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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 12.69% on average over the next years. This is quite good.

Based on estimates for the next years, UMBF will show a very strong growth in Revenue. The Revenue will grow by 22.30% on average per year.

EPS Next Y6.3%

EPS Next 2Y13.26%

EPS Next 3Y12.69%

EPS Next 5YN/A

Revenue Next Year60.04%

Revenue Next 2Y31.18%

Revenue Next 3Y22.3%

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.

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

The Price/Earnings ratio is 12.65, which indicates a correct valuation of UMBF.

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

UMBF's Price/Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 27.86.

The Price/Forward Earnings ratio is 10.34, which indicates a very decent valuation of UMBF.

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

UMBF's Price/Forward Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 23.32.

		Industry Rank	Sector Rank
PE	12.65
Fwd PE	10.34

4.2 Price Multiples

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

		Industry Rank	Sector Rank
P/FCF	13.63
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.

UMBF's earnings are expected to grow with 12.69% in the coming years. This may justify a more expensive valuation.

PEG (NY)2.01

PEG (5Y)1

EPS Next 2Y13.26%

EPS Next 3Y12.69%

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5. Dividend

5.1 Amount

With a Yearly Dividend Yield of 1.35%, UMBF has a reasonable but not impressive dividend return.

Compared to an average industry Dividend Yield of 3.52, UMBF pays a better dividend. On top of this UMBF pays more dividend than 94.90% of the companies listed in the same industry.

With a Dividend Yield of 1.35, UMBF pays less dividend than the S&P500 average, which is at 2.41.

		Industry Rank	Sector Rank
Dividend Yield	1.35%

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.

The dividend of UMBF is growing, but earnings are growing more, so the dividend growth is sustainable.

DP19.28%

EPS Next 2Y13.26%

EPS Next 3Y12.69%

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UMB FINANCIAL CORP

NASDAQ:UMBF (10/3/2025, 8:09:32 PM)

After market: 119.5 0 (0%)

119.5

+1.2 (+1.01%)

Chartmill FA Rating

GICS SectorFinancials

GICS IndustryGroupBanks

GICS IndustryBanks

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

Earnings (Next)10-28 2025-10-28/amc

Inst Owners92.56%

Inst Owner Change2.32%

Ins Owners5.51%

Ins Owner Change-0.41%

Market Cap9.07B

Analysts81.11

Price Target137.19 (14.8%)

Short Float %3.15%

Short Ratio4.07

Dividend

		Industry Rank	Sector Rank
Dividend Yield	1.35%

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)1.11%

PT rev (3m)10.56%

EPS NQ rev (1m)-1.78%

EPS NQ rev (3m)-3.16%

EPS NY rev (1m)-8.72%

EPS NY rev (3m)-6.34%

Revenue NQ rev (1m)0.17%

Revenue NQ rev (3m)1.88%

Revenue NY rev (1m)0.3%

Revenue NY rev (3m)2.49%

Valuation

		Industry Rank	Sector Rank
PE	12.65
Fwd PE	10.34
P/S	4.33
P/FCF	13.63
P/OCF	12.87
P/B	1.25
P/tB	1.84
EV/EBITDA	N/A

EPS(TTM)9.45

EY7.91%

EPS(NY)11.56

Fwd EY9.67%

FCF(TTM)8.77

FCFY7.34%

OCF(TTM)9.29

OCFY7.77%

SpS27.57

BVpS95.95

TBVpS65.08

PEG (NY)2.01

PEG (5Y)1

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

WACC14.2%

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 Y6.3%

EPS Next 2Y13.26%

EPS Next 3Y12.69%

EPS Next 5YN/A

Revenue 1Y (TTM)38.17%

Revenue growth 3Y8.29%

Revenue growth 5Y8.22%

Sales Q2Q%76.71%

Revenue Next Year60.04%

Revenue Next 2Y31.18%

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

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