UMBF Fundamental Analysis - UMB FINANCIAL CORP

Fundamental Rating

UMBF gets a fundamental rating of 4 out of 10. The analysis compared the fundamentals against 395 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!

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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.

UMBF had a positive operating cash flow in each of the past 5 years.

1.2 Ratios

Looking at the Return On Assets, with a value of 0.59%, UMBF is doing worse than 69.62% of the companies in the same industry.

Looking at the Return On Equity, with a value of 6.08%, UMBF is doing worse than 70.38% of the companies in the same industry.

		Industry Rank	Sector Rank
ROA	0.59%
ROE	6.08%
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 (22.87%) which is comparable to the rest of the industry.

UMBF's Profit Margin has improved in the last couple of years.

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)	22.87%
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

The number of shares outstanding for UMBF has been reduced compared to 5 years ago.

Compared to 1 year ago, UMBF has an improved debt to assets ratio.

2.2 Solvency

UMBF has a debt to FCF ratio of 6.41. This is a slightly negative value and a sign of low solvency as UMBF would need 6.41 years to pay back of all of its debts.

With a Debt to FCF ratio value of 6.41, UMBF is not doing good in the industry: 74.18% of the companies in the same industry are doing better.

UMBF has a Debt/Equity ratio of 0.48. This is a healthy value indicating a solid balance between debt and equity.

UMBF has a worse Debt to Equity ratio (0.48) than 78.48% of its industry peers.

		Industry Rank	Sector Rank
Debt/Equity	0.48
Debt/FCF	6.41
Altman-Z	N/A

ROIC/WACCN/A

WACC15.68%

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

The Earnings Per Share has grown by an impressive 24.04% over the past year.

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 20.51%.

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)24.04%

EPS 3Y7.51%

EPS 5Y12.68%

EPS Q2Q%14.67%

Revenue 1Y (TTM)20.51%

Revenue growth 3Y8.29%

Revenue growth 5Y8.22%

Sales Q2Q%41.43%

3.2 Future

The Earnings Per Share is expected to grow by 10.91% 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 21.16% on average per year.

EPS Next Y13.72%

EPS Next 2Y12.86%

EPS Next 3Y10.91%

EPS Next 5YN/A

Revenue Next Year56.08%

Revenue Next 2Y29.66%

Revenue Next 3Y21.16%

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

A Price/Earnings ratio of 10.65 indicates a reasonable valuation of UMBF.

62.78% of the companies in the same industry are more expensive than UMBF, based on the Price/Earnings ratio.

When comparing the Price/Earnings ratio of UMBF to the average of the S&P500 Index (26.32), we can say UMBF is valued rather cheaply.

UMBF is valuated reasonably with a Price/Forward Earnings ratio of 8.67.

UMBF's Price/Forward Earnings ratio is a bit cheaper when compared to the industry. UMBF is cheaper than 62.78% of the companies in the same industry.

The average S&P500 Price/Forward Earnings ratio is at 22.19. UMBF is valued rather cheaply when compared to this.

		Industry Rank	Sector Rank
PE	10.65
Fwd PE	8.67

4.2 Price Multiples

UMBF's Price/Free Cash Flow ratio is a bit more expensive when compared to the industry. UMBF is more expensive than 64.81% of the companies in the same industry.

		Industry Rank	Sector Rank
P/FCF	15.06
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.

PEG (NY)0.78

PEG (5Y)0.84

EPS Next 2Y12.86%

EPS Next 3Y10.91%

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5. Dividend

5.1 Amount

With a Yearly Dividend Yield of 1.55%, UMBF has a reasonable but not impressive dividend return.

UMBF's Dividend Yield is slightly below the industry average, which is at 3.46.

UMBF's Dividend Yield is slightly below the S&P500 average, which is at 2.40.

		Industry Rank	Sector Rank
Dividend Yield	1.55%

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 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

5.3 Sustainability

21.50% of the earnings are spent on dividend by UMBF. This is a low number and sustainable payout ratio.

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

DP21.5%

EPS Next 2Y12.86%

EPS Next 3Y10.91%

More info and screens

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UMB FINANCIAL CORP

NASDAQ:UMBF (6/18/2025, 4:39:55 PM)

After market: 99.49 0 (0%)

99.49

+0.77 (+0.78%)

Chartmill FA Rating

GICS SectorFinancials

GICS IndustryGroupBanks

GICS IndustryBanks

Earnings (Last)04-29 2025-04-29/amc

Earnings (Next)07-28 2025-07-28/amc

Inst Owners88.88%

Inst Owner Change30.7%

Ins Owners5.52%

Ins Owner Change14.38%

Market Cap7.55B

Analysts81.25

Price Target122.91 (23.54%)

Short Float %2.86%

Short Ratio3.5

Dividend

		Industry Rank	Sector Rank
Dividend Yield	1.55%

Yearly Dividend1.58

Dividend Growth(5Y)5.5%

DP21.5%

Div Incr Years29

Div Non Decr Years29

Ex-Date06-10 2025-06-10 (0.4)

Surprises & Revisions

EPS beat(2)2

Avg EPS beat(2)10.59%

Min EPS beat(2)5.94%

Max EPS beat(2)15.25%

EPS beat(4)4

Avg EPS beat(4)5.63%

Min EPS beat(4)0.32%

Max EPS beat(4)15.25%

EPS beat(8)6

Avg EPS beat(8)3.97%

EPS beat(12)8

Avg EPS beat(12)5.15%

EPS beat(16)10

Avg EPS beat(16)4.94%

Revenue beat(2)1

Avg Revenue beat(2)1.16%

Min Revenue beat(2)-1.12%

Max Revenue beat(2)3.44%

Revenue beat(4)1

Avg Revenue beat(4)0.37%

Min Revenue beat(4)-1.12%

Max Revenue beat(4)3.44%

Revenue beat(8)3

Avg Revenue beat(8)-0.15%

Revenue beat(12)4

Avg Revenue beat(12)0.35%

Revenue beat(16)5

Avg Revenue beat(16)0.13%

PT rev (1m)0%

PT rev (3m)-12.96%

EPS NQ rev (1m)-0.13%

EPS NQ rev (3m)4.6%

EPS NY rev (1m)0%

EPS NY rev (3m)6.85%

Revenue NQ rev (1m)0%

Revenue NQ rev (3m)1.16%

Revenue NY rev (1m)0.04%

Revenue NY rev (3m)0.83%

Valuation

		Industry Rank	Sector Rank
PE	10.65
Fwd PE	8.67
P/S	4.21
P/FCF	15.06
P/OCF	14.19
P/B	1.12
P/tB	1.72
EV/EBITDA	N/A

EPS(TTM)9.34

EY9.39%

EPS(NY)11.48

Fwd EY11.54%

FCF(TTM)6.61

FCFY6.64%

OCF(TTM)7.01

OCFY7.05%

SpS23.63

BVpS88.89

TBVpS57.86

PEG (NY)0.78

PEG (5Y)0.84

Profitability

		Industry Rank	Sector Rank
ROA	0.59%
ROE	6.08%
ROCE	N/A
ROIC	N/A
ROICexc	N/A
ROICexgc	N/A
OM	N/A
PM (TTM)	22.87%
GM	N/A
FCFM	27.95%

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-Score4

Asset Turnover0.03

Health

		Industry Rank	Sector Rank
Debt/Equity	0.48
Debt/FCF	6.41
Debt/EBITDA	N/A
Cap/Depr	44.87%
Cap/Sales	1.71%
Interest Coverage	N/A
Cash Conversion	N/A
Profit Quality	122.23%
Current Ratio	N/A
Quick Ratio	N/A
Altman-Z	N/A

F-Score4

WACC15.68%

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)24.04%

EPS 3Y7.51%

EPS 5Y12.68%

EPS Q2Q%14.67%

EPS Next Y13.72%

EPS Next 2Y12.86%

EPS Next 3Y10.91%

EPS Next 5YN/A

Revenue 1Y (TTM)20.51%

Revenue growth 3Y8.29%

Revenue growth 5Y8.22%

Sales Q2Q%41.43%

Revenue Next Year56.08%

Revenue Next 2Y29.66%

Revenue Next 3Y21.16%

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-4.05%

FCF growth 3Y-26.21%

FCF growth 5Y-5.56%

OCF growth 1Y-7.48%

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