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UMB FINANCIAL CORP (UMBF) Stock Fundamental Analysis

NASDAQ:UMBF - Nasdaq - US9027881088 - Common Stock - Currency: USD

90.335  -1.18 (-1.28%)

Fundamental Rating

4

Overall UMBF gets a fundamental rating of 4 out of 10. We evaluated UMBF against 398 industry peers in the Banks industry. There are concerns on the financial health of UMBF while its profitability can be described as average. UMBF is showing excellent growth while it is valued at reasonable prices. Keep and eye on this one!


Dividend Valuation Growth Profitability Health

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4

1. Profitability

1.1 Basic Checks

UMBF had positive earnings in the past year.
In the past year UMBF had a positive cash flow from operations.
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.
UMBF Yearly Net Income VS EBIT VS OCF VS FCFUMBF Yearly Net Income VS EBIT VS OCF VS FCFYearly Net Income VS EBIT VS OCF VS FCF 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 200M 400M 600M

1.2 Ratios

Looking at the Return On Assets, with a value of 0.88%, UMBF is in line with its industry, outperforming 57.79% of the companies in the same industry.
UMBF has a Return On Equity of 12.73%. This is amongst the best in the industry. UMBF outperforms 86.18% of its industry peers.
Industry RankSector Rank
ROA 0.88%
ROE 12.73%
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
UMBF Yearly ROA, ROE, ROICUMBF Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 5 10 15

1.3 Margins

With a decent Profit Margin value of 27.09%, UMBF is doing good in the industry, outperforming 69.60% of the companies in the same industry.
In the last couple of years the Profit Margin of UMBF has grown nicely.
The Operating Margin and Gross Margin are not available for UMBF so they could not be analyzed.
Industry RankSector Rank
OM N/A
PM (TTM) 27.09%
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
UMBF Yearly Profit, Operating, Gross MarginsUMBF Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 5 10 15 20 25

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1

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
UMBF has less shares outstanding than it did 5 years ago.
Compared to 1 year ago, UMBF has an improved debt to assets ratio.
UMBF Yearly Shares OutstandingUMBF Yearly Shares OutstandingYearly Shares Outstanding 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 10M 20M 30M 40M
UMBF Yearly Total Debt VS Total AssetsUMBF Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 10B 20B 30B 40B 50B

2.2 Solvency

UMBF has a debt to FCF ratio of 14.89. This is a negative value and a sign of low solvency as UMBF would need 14.89 years to pay back of all of its debts.
With a Debt to FCF ratio value of 14.89, UMBF is not doing good in the industry: 78.64% of the companies in the same industry are doing better.
UMBF has a Debt/Equity ratio of 0.86. This is a neutral value indicating UMBF is somewhat dependend on debt financing.
UMBF has a Debt to Equity ratio of 0.86. This is amonst the worse of the industry: UMBF underperforms 83.17% of its industry peers.
Industry RankSector Rank
Debt/Equity 0.86
Debt/FCF 14.89
Altman-Z N/A
ROIC/WACCN/A
WACC15.54%
UMBF Yearly LT Debt VS Equity VS FCFUMBF Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 1B 2B 3B

2.3 Liquidity

Industry RankSector Rank
Current Ratio N/A
Quick Ratio N/A
UMBF Yearly Current Assets VS Current LiabilitesUMBF Yearly Current Assets VS Current LiabilitesYearly Current Assets VS Current Liabilites 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 1B 2B 3B 4B

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8

3. Growth

3.1 Past

UMBF shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 25.49%, which is quite impressive.
Measured over the past years, UMBF shows a quite strong growth in Earnings Per Share. The EPS has been growing by 12.68% on average per year.
UMBF shows quite a strong growth in Revenue. In the last year, the Revenue has grown by 11.43%.
The Revenue has been growing by 8.22% on average over the past years. This is quite good.
EPS 1Y (TTM)25.49%
EPS 3Y7.51%
EPS 5Y12.68%
EPS Q2Q%68.28%
Revenue 1Y (TTM)11.43%
Revenue growth 3Y8.29%
Revenue growth 5Y8.22%
Sales Q2Q%17.1%

3.2 Future

The Earnings Per Share is expected to grow by 9.85% on average over the next years. This is quite good.
UMBF is expected to show a strong growth in Revenue. In the coming years, the Revenue will grow by 20.80% yearly.
EPS Next Y5.31%
EPS Next 2Y12.24%
EPS Next 3Y9.85%
EPS Next 5YN/A
Revenue Next Year54.5%
Revenue Next 2Y29.73%
Revenue Next 3Y20.8%
Revenue Next 5YN/A

3.3 Evolution

The EPS growth rate is decreasing: in the next years the growth will be less 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.
UMBF Yearly Revenue VS EstimatesUMBF Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2014 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 500M 1B 1.5B 2B 2.5B
UMBF Yearly EPS VS EstimatesUMBF Yearly EPS VS EstimatesYearly EPS VS Estimates 2014 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 2 4 6 8 10

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4

4. Valuation

4.1 Price/Earnings Ratio

With a Price/Earnings ratio of 10.03, the valuation of UMBF can be described as very reasonable.
66.83% of the companies in the same industry are more expensive than UMBF, based on the Price/Earnings ratio.
UMBF's Price/Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 28.29.
Based on the Price/Forward Earnings ratio of 9.52, the valuation of UMBF can be described as reasonable.
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 (21.32), we can say UMBF is valued rather cheaply.
Industry RankSector Rank
PE 10.03
Fwd PE 9.52
UMBF Price Earnings VS Forward Price EarningsUMBF Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 5 10 15 20 25

4.2 Price Multiples

Based on the Price/Free Cash Flow ratio, UMBF is valued expensively inside the industry as 81.16% of the companies are valued cheaper.
Industry RankSector Rank
P/FCF 32.64
EV/EBITDA N/A
UMBF Per share dataUMBF EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 10 20 30 40

4.3 Compensation for Growth

The high PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates UMBF does not grow enough to justify the current Price/Earnings ratio.
PEG (NY)1.89
PEG (5Y)0.79
EPS Next 2Y12.24%
EPS Next 3Y9.85%

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5

5. Dividend

5.1 Amount

With a Yearly Dividend Yield of 1.75%, UMBF has a reasonable but not impressive dividend return.
In the last 3 months the price of UMBF has falen by -23.47%. A price decline artificially increases the dividend yield. It may be a sign investors do not expect the dividend to last.
UMBF's Dividend Yield is slightly below the industry average, which is at 3.66.
UMBF's Dividend Yield is slightly below the S&P500 average, which is at 2.51.
Industry RankSector Rank
Dividend Yield 1.75%

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 their dividend for at least 10 years, which is a reliable track record.
Dividend Growth(5Y)5.5%
Div Incr Years29
Div Non Decr Years29
UMBF Yearly Dividends per shareUMBF Yearly Dividends per shareYearly Dividends per share 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 0.5 1 1.5

5.3 Sustainability

UMBF pays out 17.48% 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.
DP17.48%
EPS Next 2Y12.24%
EPS Next 3Y9.85%
UMBF Yearly Income VS Free CF VS DividendUMBF Yearly Income VS Free CF VS DividendYearly Income VS Free CF VS Dividend 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 200M 400M 600M
UMBF Dividend Payout.UMBF Dividend Payout, showing the Payout Ratio.UMBF Dividend Payout.PayoutRetained Earnings

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UMB FINANCIAL CORP

NASDAQ:UMBF (4/21/2025, 3:43:56 PM)

90.335

-1.18 (-1.28%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)01-28 2025-01-28/amc
Earnings (Next)04-29 2025-04-29/amc
Inst Owners71.82%
Inst Owner Change0.51%
Ins Owners5.83%
Ins Owner Change13.54%
Market Cap6.56B
Analysts80
Price Target138.83 (53.68%)
Short Float %2.93%
Short Ratio2.58
Dividend
Industry RankSector Rank
Dividend Yield 1.75%
Yearly Dividend1.58
Dividend Growth(5Y)5.5%
DP17.48%
Div Incr Years29
Div Non Decr Years29
Ex-Date03-10 2025-03-10 (0.4)
Surprises & Revisions
EPS beat(2)2
Avg EPS beat(2)3.13%
Min EPS beat(2)0.32%
Max EPS beat(2)5.94%
EPS beat(4)4
Avg EPS beat(4)8.07%
Min EPS beat(4)0.32%
Max EPS beat(4)25.03%
EPS beat(8)5
Avg EPS beat(8)2.05%
EPS beat(12)8
Avg EPS beat(12)6.18%
EPS beat(16)10
Avg EPS beat(16)5.87%
Revenue beat(2)1
Avg Revenue beat(2)1.62%
Min Revenue beat(2)-0.19%
Max Revenue beat(2)3.44%
Revenue beat(4)2
Avg Revenue beat(4)2.2%
Min Revenue beat(4)-0.67%
Max Revenue beat(4)6.2%
Revenue beat(8)3
Avg Revenue beat(8)-0.15%
Revenue beat(12)4
Avg Revenue beat(12)0.32%
Revenue beat(16)5
Avg Revenue beat(16)-0.06%
PT rev (1m)-1.69%
PT rev (3m)-2%
EPS NQ rev (1m)-1.6%
EPS NQ rev (3m)5.66%
EPS NY rev (1m)-1.04%
EPS NY rev (3m)0.79%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)19.63%
Revenue NY rev (1m)-0.2%
Revenue NY rev (3m)5.66%
Valuation
Industry RankSector Rank
PE 10.03
Fwd PE 9.52
P/S 4.03
P/FCF 32.64
P/OCF 29.14
P/B 1.89
P/tB 2.05
EV/EBITDA N/A
EPS(TTM)9.01
EY9.97%
EPS(NY)9.49
Fwd EY10.5%
FCF(TTM)2.77
FCFY3.06%
OCF(TTM)3.1
OCFY3.43%
SpS22.42
BVpS47.71
TBVpS43.98
PEG (NY)1.89
PEG (5Y)0.79
Profitability
Industry RankSector Rank
ROA 0.88%
ROE 12.73%
ROCE N/A
ROIC N/A
ROICexc N/A
ROICexgc N/A
OM N/A
PM (TTM) 27.09%
GM N/A
FCFM 12.34%
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-Score6
Asset Turnover0.03
Health
Industry RankSector Rank
Debt/Equity 0.86
Debt/FCF 14.89
Debt/EBITDA N/A
Cap/Depr 45.87%
Cap/Sales 1.49%
Interest Coverage N/A
Cash Conversion N/A
Profit Quality 45.57%
Current Ratio N/A
Quick Ratio N/A
Altman-Z N/A
F-Score6
WACC15.54%
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)25.49%
EPS 3Y7.51%
EPS 5Y12.68%
EPS Q2Q%68.28%
EPS Next Y5.31%
EPS Next 2Y12.24%
EPS Next 3Y9.85%
EPS Next 5YN/A
Revenue 1Y (TTM)11.43%
Revenue growth 3Y8.29%
Revenue growth 5Y8.22%
Sales Q2Q%17.1%
Revenue Next Year54.5%
Revenue Next 2Y29.73%
Revenue Next 3Y20.8%
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 1Y-54.88%
FCF growth 3Y-26.21%
FCF growth 5Y-5.56%
OCF growth 1Y-52.33%
OCF growth 3Y-25%
OCF growth 5Y-7.9%