109.21 USD
+0.38 (+0.35%)
109.21 USD
0 (0%)
Overall UMBF gets a fundamental rating of 4 out of 10. We evaluated UMBF against 387 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.
1. Profitability
1.1 Basic Checks
In the past year UMBF was profitable.
In the past year UMBF had a positive cash flow from operations.
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
UMBF has a Return On Assets of 0.83%. This is comparable to the rest of the industry: UMBF outperforms 44.44% of its industry peers.
The Return On Equity of UMBF (7.99%) is comparable to the rest of the industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 0.83% | ||
| ROE | 7.99% | ||
| 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 (25.16%) 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) | 25.16% | ||
| 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
Compared to 5 years ago, UMBF has less shares outstanding
UMBF has a better debt/assets ratio than last year.
2.2 Solvency
UMBF has a debt to FCF ratio of 4.11. This is a neutral value as UMBF would need 4.11 years to pay back of all of its debts.
UMBF's Debt to FCF ratio of 4.11 is on the low side compared to the rest of the industry. UMBF is outperformed by 65.89% of its industry peers.
UMBF has a Debt/Equity ratio of 0.44. This is a healthy value indicating a solid balance between debt and equity.
Looking at the Debt to Equity ratio, with a value of 0.44, UMBF is doing worse than 74.68% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.44 | ||
| Debt/FCF | 4.11 | ||
| 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 19.20%, which is quite good.
The Earnings Per Share has been growing by 12.68% on average over the past years. This is quite good.
Looking at the last year, UMBF shows a very strong growth in Revenue. The Revenue has grown by 51.10%.
The Revenue has been growing by 8.22% on average over the past years. This is quite good.
EPS 1Y (TTM)19.2%
EPS 3Y7.51%
EPS 5Y12.68%
EPS Q2Q%4.89%
Revenue 1Y (TTM)51.1%
Revenue growth 3Y8.29%
Revenue growth 5Y8.22%
Sales Q2Q%67.03%
3.2 Future
The Earnings Per Share is expected to grow by 12.65% 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 22.88% yearly.
EPS Next Y5.77%
EPS Next 2Y13.93%
EPS Next 3Y12.65%
EPS Next 5YN/A
Revenue Next Year60.95%
Revenue Next 2Y31.76%
Revenue Next 3Y22.88%
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
Based on the Price/Earnings ratio of 11.42, the valuation of UMBF can be described as reasonable.
UMBF's Price/Earnings ratio is in line with the industry average.
UMBF is valuated cheaply when we compare the Price/Earnings ratio to 25.47, which is the current average of the S&P500 Index.
With a Price/Forward Earnings ratio of 9.34, the valuation of UMBF can be described as very reasonable.
61.24% of the companies in the same industry are more expensive than UMBF, based on the Price/Forward Earnings ratio.
UMBF's Price/Forward Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 34.42.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 11.42 | ||
| Fwd PE | 9.34 |
4.2 Price Multiples
Based on the Price/Free Cash Flow ratio, UMBF is valued a bit cheaper than 61.50% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 10.29 | ||
| 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.
A more expensive valuation may be justified as UMBF's earnings are expected to grow with 12.65% in the coming years.
PEG (NY)1.98
PEG (5Y)0.9
EPS Next 2Y13.93%
EPS Next 3Y12.65%
5. Dividend
5.1 Amount
UMBF has a Yearly Dividend Yield of 1.65%.
UMBF's Dividend Yield is slightly below the industry average, which is at 3.33.
Compared to the average S&P500 Dividend Yield of 2.41, UMBF is paying slightly less dividend.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 1.65% |
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
5.3 Sustainability
19.25% 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.
DP19.25%
EPS Next 2Y13.93%
EPS Next 3Y12.65%
109.21
+0.38 (+0.35%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)
Earnings (Next)
Inst Owners92.56%
Inst Owner Change2.11%
Ins Owners5.51%
Ins Owner Change-0.18%
Market Cap8.29B
Revenue(TTM)2.37B
Net Income(TTM)595.07M
Analysts81.05
Price Target141.15 (29.25%)
Short Float %3.5%
Short Ratio5.33
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 1.65% |
Yearly Dividend1.58
Dividend Growth(5Y)5.5%
DP19.25%
Div Incr Years29
Div Non Decr Years29
Ex-Date
Surprises & Revisions
EPS beat(2)1
Avg EPS beat(2)4.94%
Min EPS beat(2)-5.54%
Max EPS beat(2)15.42%
EPS beat(4)2
Avg EPS beat(4)0.62%
Min EPS beat(4)-13.34%
Max EPS beat(4)15.42%
EPS beat(8)5
Avg EPS beat(8)1.18%
EPS beat(12)7
Avg EPS beat(12)1.19%
EPS beat(16)9
Avg EPS beat(16)3.49%
Revenue beat(2)2
Avg Revenue beat(2)3.16%
Min Revenue beat(2)0.48%
Max Revenue beat(2)5.85%
Revenue beat(4)3
Avg Revenue beat(4)2.16%
Min Revenue beat(4)-1.12%
Max Revenue beat(4)5.85%
Revenue beat(8)5
Avg Revenue beat(8)1.85%
Revenue beat(12)5
Avg Revenue beat(12)0.16%
Revenue beat(16)6
Avg Revenue beat(16)0.45%
PT rev (1m)2.89%
PT rev (3m)5.2%
EPS NQ rev (1m)5.45%
EPS NQ rev (3m)-0.66%
EPS NY rev (1m)0.18%
EPS NY rev (3m)-9.18%
Revenue NQ rev (1m)0.73%
Revenue NQ rev (3m)0.56%
Revenue NY rev (1m)0.53%
Revenue NY rev (3m)0.88%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 11.42 | ||
| Fwd PE | 9.34 | ||
| P/S | 3.51 | ||
| P/FCF | 10.29 | ||
| P/OCF | 9.71 | ||
| P/B | 1.11 | ||
| P/tB | 1.63 | ||
| EV/EBITDA | N/A |
EPS(TTM)9.56
EY8.75%
EPS(NY)11.69
Fwd EY10.71%
FCF(TTM)10.61
FCFY9.72%
OCF(TTM)11.24
OCFY10.3%
SpS31.15
BVpS98.04
TBVpS67.13
PEG (NY)1.98
PEG (5Y)0.9
Graham Number145.22
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 0.83% | ||
| ROE | 7.99% | ||
| ROCE | N/A | ||
| ROIC | N/A | ||
| ROICexc | N/A | ||
| ROICexgc | N/A | ||
| OM | N/A | ||
| PM (TTM) | 25.16% | ||
| GM | N/A | ||
| FCFM | 34.06% |
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-Score7
Asset Turnover0.03
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.44 | ||
| Debt/FCF | 4.11 | ||
| Debt/EBITDA | N/A | ||
| Cap/Depr | 41% | ||
| Cap/Sales | 2.03% | ||
| Interest Coverage | N/A | ||
| Cash Conversion | N/A | ||
| Profit Quality | 135.4% | ||
| Current Ratio | N/A | ||
| Quick Ratio | N/A | ||
| Altman-Z | N/A |
F-Score7
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)19.2%
EPS 3Y7.51%
EPS 5Y12.68%
EPS Q2Q%4.89%
EPS Next Y5.77%
EPS Next 2Y13.93%
EPS Next 3Y12.65%
EPS Next 5YN/A
Revenue 1Y (TTM)51.1%
Revenue growth 3Y8.29%
Revenue growth 5Y8.22%
Sales Q2Q%67.03%
Revenue Next Year60.95%
Revenue Next 2Y31.76%
Revenue Next 3Y22.88%
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 1Y63.9%
FCF growth 3Y-26.21%
FCF growth 5Y-5.56%
OCF growth 1Y60.45%
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 5 / 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 5.77% in the next year.