UMB FINANCIAL CORP (UMBF)

US9027881088 - Common Stock

86.99  +1.38 (+1.61%)

After market: 86.99 0 (0%)

Fundamental Rating

3

Overall UMBF gets a fundamental rating of 3 out of 10. We evaluated UMBF against 415 industry peers in the Banks industry. UMBF has a medium profitability rating, but doesn't score so well on its financial health evaluation. UMBF is valued expensive and it does not seem to be growing.



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.
Each year in the past 5 years UMBF has been profitable.
In the past 5 years UMBF always reported a positive cash flow from operatings.

1.2 Ratios

Looking at the Return On Assets, with a value of 0.80%, UMBF is in line with its industry, outperforming 41.45% of the companies in the same industry.
UMBF has a Return On Equity of 11.29%. This is in the better half of the industry: UMBF outperforms 67.71% of its industry peers.
Industry RankSector Rank
ROA 0.8%
ROE 11.29%
ROIC N/A
ROA(3y)0.91%
ROA(5y)0.91%
ROE(3y)12.9%
ROE(5y)11.51%
ROIC(3y)N/A
ROIC(5y)N/A

1.3 Margins

UMBF has a Profit Margin (23.94%) 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 RankSector Rank
OM N/A
PM (TTM) 23.94%
GM N/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y2.57%
PM growth 5Y4.39%
GM growth 3YN/A
GM growth 5YN/A

0

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.
Compared to 1 year ago, UMBF has a worse debt to assets ratio.

2.2 Solvency

The Debt to FCF ratio of UMBF is 9.65, which is on the high side as it means it would take UMBF, 9.65 years of fcf income to pay off all of its debts.
With a Debt to FCF ratio value of 9.65, UMBF is not doing good in the industry: 77.59% of the companies in the same industry are doing better.
A Debt/Equity ratio of 1.39 is on the high side and indicates that UMBF has dependencies on debt financing.
UMBF has a worse Debt to Equity ratio (1.39) than 87.47% of its industry peers.
Industry RankSector Rank
Debt/Equity 1.39
Debt/FCF 9.65
Altman-Z N/A
ROIC/WACCN/A
WACC15.32%

2.3 Liquidity

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

3

3. Growth

3.1 Past

UMBF shows a strong negative growth in Earnings Per Share. In the last year the EPS decreased by -19.05%.
The Earnings Per Share has been growing by 12.81% on average over the past years. This is quite good.
UMBF shows a decrease in Revenue. In the last year, the revenue decreased by -0.42%.
UMBF shows a small growth in Revenue. Measured over the last years, the Revenue has been growing by 7.63% yearly.
EPS 1Y (TTM)-19.05%
EPS 3Y20.54%
EPS 5Y12.81%
EPS growth Q2Q-29.61%
Revenue 1Y (TTM)-0.42%
Revenue growth 3Y4.22%
Revenue growth 5Y7.63%
Revenue growth Q2Q0.02%

3.2 Future

Based on estimates for the next years, UMBF will show a small growth in Earnings Per Share. The EPS will grow by 4.37% on average per year.
Based on estimates for the next years, UMBF will show a small growth in Revenue. The Revenue will grow by 4.09% on average per year.
EPS Next Y2.68%
EPS Next 2Y4.37%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next Year2.94%
Revenue Next 2Y4.09%
Revenue Next 3YN/A
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 decreasing.
The Revenue growth rate is decreasing: in the next years the growth will be less than in the last years.

3

4. Valuation

4.1 Price/Earnings Ratio

With a Price/Earnings ratio of 12.12, UMBF is valued correctly.
Based on the Price/Earnings ratio, UMBF is valued a bit more expensive than the industry average as 68.92% of the companies are valued more cheaply.
The average S&P500 Price/Earnings ratio is at 26.48. UMBF is valued rather cheaply when compared to this.
A Price/Forward Earnings ratio of 11.80 indicates a reasonable valuation of UMBF.
UMBF's Price/Forward Earnings is on the same level as the industry average.
UMBF is valuated rather cheaply when we compare the Price/Forward Earnings ratio to 22.79, which is the current average of the S&P500 Index.
Industry RankSector Rank
PE 12.12
Fwd PE 11.8

4.2 Price Multiples

UMBF's Price/Free Cash Flow is on the same level as the industry average.
Industry RankSector Rank
P/FCF 9.51
EV/EBITDA N/A

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)4.52
PEG (5Y)0.95
EPS Next 2Y4.37%
EPS Next 3YN/A

5

5. Dividend

5.1 Amount

UMBF has a Yearly Dividend Yield of 1.88%. Purely for dividend investing, there may be better candidates out there.
UMBF's Dividend Yield is slightly below the industry average, which is at 3.70.
UMBF's Dividend Yield is comparable with the S&P500 average which is at 2.34.
Industry RankSector Rank
Dividend Yield 1.88%

5.2 History

The dividend of UMBF has a limited annual growth rate of 5.48%.
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)5.48%
Div Incr Years16
Div Non Decr Years16

5.3 Sustainability

21.21% 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 the earnings are growing slower. This means the dividend growth is not sustainable.
DP21.21%
EPS Next 2Y4.37%
EPS Next 3YN/A

UMB FINANCIAL CORP

NASDAQ:UMBF (3/28/2024, 8:00:02 PM)

After market: 86.99 0 (0%)

86.99

+1.38 (+1.61%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)
Earnings (Next)
Inst Owners
Inst Owner Change
Ins Owners
Ins Owner Change
Market Cap4.24B
Analysts
Price Target
Dividend
Industry RankSector Rank
Dividend Yield 1.88%
Dividend Growth(5Y)
DP
Div Incr Years
Div Non Decr Years
Ex-Date
Surprises & Revisions
EPS beat(2)
Avg EPS beat(2)
Min EPS beat(2)
Max EPS beat(2)
EPS beat(4)
Avg EPS beat(4)
Min EPS beat(4)
Max EPS beat(4)
EPS beat(8)
Avg EPS beat(8)
EPS beat(12)
Avg EPS beat(12)
EPS beat(16)
Avg EPS beat(16)
Revenue beat(2)
Avg Revenue beat(2)
Min Revenue beat(2)
Max Revenue beat(2)
Revenue beat(4)
Avg Revenue beat(4)
Min Revenue beat(4)
Max Revenue beat(4)
Revenue beat(8)
Avg Revenue beat(8)
Revenue beat(12)
Avg Revenue beat(12)
Revenue beat(16)
Avg Revenue beat(16)
PT rev (1m)
PT rev (3m)
EPS NQ rev (1m)
EPS NQ rev (3m)
EPS NY rev (1m)
EPS NY rev (3m)
Revenue NQ rev (1m)
Revenue NQ rev (3m)
Revenue NY rev (1m)
Revenue NY rev (3m)
Valuation
Industry RankSector Rank
PE 12.12
Fwd PE 11.8
P/S
P/FCF
P/OCF
P/B
P/tB
EV/EBITDA
EPS(TTM)
EY
EPS(NY)
Fwd EY
FCF(TTM)
FCFY
OCF(TTM)
OCFY
SpS
BVpS
TBVpS
PEG (NY)4.52
PEG (5Y)0.95
Profitability
Industry RankSector Rank
ROA 0.8%
ROE 11.29%
ROCE
ROIC
ROICexc
ROICexgc
OM N/A
PM (TTM) 23.94%
GM N/A
FCFM
ROA(3y)
ROA(5y)
ROE(3y)
ROE(5y)
ROIC(3y)
ROIC(5y)
ROICexc(3y)
ROICexc(5y)
ROICexgc(3y)
ROICexgc(5y)
ROCE(3y)
ROCE(5y)
ROICexcg growth 3Y
ROICexcg growth 5Y
ROICexc growth 3Y
ROICexc growth 5Y
OM growth 3Y
OM growth 5Y
PM growth 3Y
PM growth 5Y
GM growth 3Y
GM growth 5Y
F-Score
Asset Turnover0.03
Health
Industry RankSector Rank
Debt/Equity 1.39
Debt/FCF
Debt/EBITDA
Cap/Depr
Cap/Sales
Interest Coverage
Cash Conversion
Profit Quality
Current Ratio N/A
Quick Ratio N/A
Altman-Z
F-Score
WACC
ROIC/WACC
Cap/Depr(3y)
Cap/Depr(5y)
Cap/Sales(3y)
Cap/Sales(5y)
Profit Quality(3y)
Profit Quality(5y)
Growth
EPS 1Y (TTM)-19.05%
EPS 3Y20.54%
EPS 5Y
EPS growth Q2Q
EPS Next Y2.68%
EPS Next 2Y
EPS Next 3Y
EPS Next 5Y
Revenue 1Y (TTM)-0.42%
Revenue growth 3Y4.22%
Revenue growth 5Y
Revenue growth Q2Q
Revenue Next Year
Revenue Next 2Y
Revenue Next 3Y
Revenue Next 5Y
EBIT growth 1Y
EBIT growth 3Y
EBIT growth 5Y
EBIT Next Year
EBIT Next 3Y
EBIT Next 5Y
FCF growth 1Y
FCF growth 3Y
FCF growth 5Y
OCF growth 1Y
OCF growth 3Y
OCF growth 5Y