UMB FINANCIAL CORP - UMBF 7 3/4 PERP (UMBFO) Fundamental Analysis & Valuation

NASDAQ:UMBFO • US9027884058

Current stock price

26.24 USD
+0.22 (+0.85%)
At close:
25.9834 USD
-0.26 (-0.98%)
After Hours:

This UMBFO fundamental analysis includes valuation metrics, fair value assessment, financial health analysis, profitability trends, growth metrics and dividend sustainability analysis.

3

1. UMBFO Profitability Analysis

1.1 Basic Checks

  • In the past year UMBFO was profitable.
  • In the past year UMBFO had a positive cash flow from operations.
  • Each year in the past 5 years UMBFO has been profitable.
  • Each year in the past 5 years UMBFO had a positive operating cash flow.
UMBFO Yearly Net Income VS EBIT VS OCF VS FCFUMBFO Yearly Net Income VS EBIT VS OCF VS FCFYearly Net Income VS EBIT VS OCF VS FCF 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 200M 400M 600M 800M 1B

1.2 Ratios

  • The Return On Assets of UMBFO (0.94%) is comparable to the rest of the industry.
  • UMBFO has a Return On Equity (8.90%) which is in line with its industry peers.
Industry RankSector Rank
ROA 0.94%
ROE 8.9%
ROIC N/A
ROA(3y)0.87%
ROA(5y)0.91%
ROE(3y)10.97%
ROE(5y)12.07%
ROIC(3y)N/A
ROIC(5y)N/A
UMBFO Yearly ROA, ROE, ROICUMBFO Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 5 10 15

1.3 Margins

  • With a Profit Margin value of 25.81%, UMBFO perfoms like the industry average, outperforming 54.21% of the companies in the same industry.
  • UMBFO's Profit Margin has improved in the last couple of years.
  • UMBFO 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) 25.81%
GM N/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y-4.25%
PM growth 5Y3.08%
GM growth 3YN/A
GM growth 5YN/A
UMBFO Yearly Profit, Operating, Gross MarginsUMBFO Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 5 10 15 20 25

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ROAROEROICOperating and Profit MarginShow most profitable peers

1

2. UMBFO Health Analysis

2.1 Basic Checks

  • UMBFO does not have a ROIC to compare to the WACC, probably because it is not profitable.
  • UMBFO has more shares outstanding than it did 1 year ago.
  • Compared to 5 years ago, UMBFO has more shares outstanding
  • The debt/assets ratio for UMBFO has been reduced compared to a year ago.
UMBFO Yearly Shares OutstandingUMBFO Yearly Shares OutstandingYearly Shares Outstanding 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 20M 40M 60M
UMBFO Yearly Total Debt VS Total AssetsUMBFO Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 20B 40B 60B

2.2 Solvency

  • UMBFO has a debt to FCF ratio of 3.88. This is a good value and a sign of high solvency as UMBFO would need 3.88 years to pay back of all of its debts.
  • UMBFO has a worse Debt to FCF ratio (3.88) than 65.00% of its industry peers.
  • A Debt/Equity ratio of 0.49 indicates that UMBFO is not too dependend on debt financing.
  • UMBFO's Debt to Equity ratio of 0.49 is on the low side compared to the rest of the industry. UMBFO is outperformed by 75.53% of its industry peers.
Industry RankSector Rank
Debt/Equity 0.49
Debt/FCF 3.88
Altman-Z N/A
ROIC/WACCN/A
WACC26.41%
UMBFO Yearly LT Debt VS Equity VS FCFUMBFO Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2B 4B 6B

2.3 Liquidity

Industry RankSector Rank
Current Ratio N/A
Quick Ratio N/A
UMBFO Yearly Current Assets VS Current LiabilitesUMBFO Yearly Current Assets VS Current LiabilitesYearly Current Assets VS Current Liabilites 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 1B 2B 3B 4B

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WACCDebt/EquityHow to determine the health of a companyAltman-Z scoreShow peers with great health

6

3. UMBFO Growth Analysis

3.1 Past

  • UMBFO shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 9.43%, which is quite good.
  • The Earnings Per Share has been growing by 19.18% on average over the past years. This is quite good.
  • UMBFO shows a strong growth in Revenue. In the last year, the Revenue has grown by 62.81%.
  • The Revenue has been growing by 15.48% on average over the past years. This is quite good.
EPS 1Y (TTM)9.43%
EPS 3Y3.59%
EPS 5Y19.18%
EPS Q2Q%12.3%
Revenue 1Y (TTM)62.81%
Revenue growth 3Y21.8%
Revenue growth 5Y15.48%
Sales Q2Q%66.03%

3.2 Future

  • The Earnings Per Share is expected to grow by 13.87% on average over the next years. This is quite good.
  • The Revenue is expected to grow by 7.30% on average over the next years.
EPS Next Y24.5%
EPS Next 2Y16.64%
EPS Next 3Y13.87%
EPS Next 5YN/A
Revenue Next Year10.91%
Revenue Next 2Y8.71%
Revenue Next 3Y7.3%
Revenue Next 5YN/A

3.3 Evolution

  • The estimated forward EPS growth is still strong, although it is decreasing when compared to the stronger growth in the past years.
  • The Revenue growth rate is decreasing: in the next years the growth will be less than in the last years.
UMBFO Yearly Revenue VS EstimatesUMBFO Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 2028 1B 2B 3B
UMBFO Yearly EPS VS EstimatesUMBFO Yearly EPS VS EstimatesYearly EPS VS Estimates 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 2028 5 10

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8

4. UMBFO Valuation Analysis

4.1 Price/Earnings Ratio

  • A Price/Earnings ratio of 2.66 indicates a rather cheap valuation of UMBFO.
  • 98.68% of the companies in the same industry are more expensive than UMBFO, based on the Price/Earnings ratio.
  • UMBFO's Price/Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 24.75.
  • UMBFO is valuated cheaply with a Price/Forward Earnings ratio of 2.14.
  • UMBFO's Price/Forward Earnings ratio is rather cheap when compared to the industry. UMBFO is cheaper than 98.95% of the companies in the same industry.
  • Compared to an average S&P500 Price/Forward Earnings ratio of 22.10, UMBFO is valued rather cheaply.
Industry RankSector Rank
PE 2.66
Fwd PE 2.14
UMBFO Price Earnings VS Forward Price EarningsUMBFO Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 5 10 15 20

4.2 Price Multiples

  • Compared to the rest of the industry, the Price/Free Cash Flow ratio of UMBFO indicates a rather cheap valuation: UMBFO is cheaper than 98.16% of the companies listed in the same industry.
Industry RankSector Rank
P/FCF 2.04
EV/EBITDA N/A
UMBFO Per share dataUMBFO EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 20 40 60 80 100

4.3 Compensation for Growth

  • The low PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a rather cheap valuation of the company.
  • A more expensive valuation may be justified as UMBFO's earnings are expected to grow with 13.87% in the coming years.
PEG (NY)0.11
PEG (5Y)0.14
EPS Next 2Y16.64%
EPS Next 3Y13.87%

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Price/EarningsPrice/FCFFCF per shareEV/EBITDAPEG RATIOShow best valued peers

3

5. UMBFO Dividend Analysis

5.1 Amount

  • UMBFO has a Yearly Dividend Yield of 1.54%. Purely for dividend investing, there may be better candidates out there.
  • Compared to an average industry Dividend Yield of 2.66, UMBFO is paying slightly less dividend.
  • Compared to an average S&P500 Dividend Yield of 1.89, UMBFO has a dividend comparable with the average S&P500 company.
Industry RankSector Rank
Dividend Yield 1.54%

5.2 History

  • The dividend of UMBFO is nicely growing with an annual growth rate of 11.82%!
  • UMBFO is new to the dividend game and has less than 3 years of track record.
Dividend Growth(5Y)11.82%
Div Incr YearsN/A
Div Non Decr YearsN/A

5.3 Sustainability

  • UMBFO pays out 19.81% of its income as dividend. This is a sustainable payout ratio.
  • The dividend of UMBFO is growing around the same rate as the earnings are growing. If this keeps up the dividend growth is sustainable.
DP19.81%
EPS Next 2Y16.64%
EPS Next 3Y13.87%
UMBFO Yearly Income VS Free CF VS DividendUMBFO Yearly Income VS Free CF VS DividendYearly Income VS Free CF VS Dividend 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 200M 400M 600M 800M
UMBFO Dividend Payout.UMBFO Dividend Payout, showing the Payout Ratio.UMBFO Dividend Payout.PayoutRetained Earnings

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UMBFO Fundamentals: All Metrics, Ratios and Statistics

UMB FINANCIAL CORP - UMBF 7 3/4 PERP

NASDAQ:UMBFO (3/30/2026, 8:00:02 PM)

After market: 25.9834 -0.26 (-0.98%)

26.24

+0.22 (+0.85%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)01-27
Earnings (Next)04-27
Inst Owners95.25%
Inst Owner ChangeN/A
Ins Owners5.51%
Ins Owner ChangeN/A
Market Cap2.00B
Revenue(TTM)2.65B
Net Income(TTM)684.62M
Analysts81.05
Price Target33.31 (26.94%)
Short Float %0.02%
Short Ratio0.92
Dividend
Industry RankSector Rank
Dividend Yield 1.54%
Yearly Dividend2.17
Dividend Growth(5Y)11.82%
DP19.81%
Div Incr YearsN/A
Div Non Decr YearsN/A
Ex-DateN/A
Surprises & Revisions
EPS beat(2)1
Avg EPS beat(2)-0.16%
Min EPS beat(2)-5.54%
Max EPS beat(2)5.23%
EPS beat(4)2
Avg EPS beat(4)0.44%
Min EPS beat(4)-13.34%
Max EPS beat(4)15.42%
EPS beat(8)6
Avg EPS beat(8)4.26%
EPS beat(12)7
Avg EPS beat(12)1.52%
EPS beat(16)10
Avg EPS beat(16)4.75%
Revenue beat(2)2
Avg Revenue beat(2)2.54%
Min Revenue beat(2)0.48%
Max Revenue beat(2)4.6%
Revenue beat(4)3
Avg Revenue beat(4)2.45%
Min Revenue beat(4)-1.12%
Max Revenue beat(4)5.85%
Revenue beat(8)5
Avg Revenue beat(8)2.32%
Revenue beat(12)6
Avg Revenue beat(12)0.72%
Revenue beat(16)7
Avg Revenue beat(16)0.85%
PT rev (1m)0%
PT rev (3m)3%
EPS NQ rev (1m)0.12%
EPS NQ rev (3m)5.91%
EPS NY rev (1m)0.49%
EPS NY rev (3m)4.68%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)3.6%
Revenue NY rev (1m)0.14%
Revenue NY rev (3m)2.86%
Valuation
Industry RankSector Rank
PE 2.66
Fwd PE 2.14
P/S 0.75
P/FCF 2.04
P/OCF 1.95
P/B 0.26
P/tB 0.37
EV/EBITDA N/A
EPS(TTM)9.86
EY37.58%
EPS(NY)12.28
Fwd EY46.78%
FCF(TTM)12.85
FCFY48.96%
OCF(TTM)13.48
OCFY51.39%
SpS34.83
BVpS101.05
TBVpS70.49
PEG (NY)0.11
PEG (5Y)0.14
Graham Number149.72
Profitability
Industry RankSector Rank
ROA 0.94%
ROE 8.9%
ROCE N/A
ROIC N/A
ROICexc N/A
ROICexgc N/A
OM N/A
PM (TTM) 25.81%
GM N/A
FCFM 36.88%
ROA(3y)0.87%
ROA(5y)0.91%
ROE(3y)10.97%
ROE(5y)12.07%
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-4.25%
PM growth 5Y3.08%
GM growth 3YN/A
GM growth 5YN/A
F-Score7
Asset Turnover0.04
Health
Industry RankSector Rank
Debt/Equity 0.49
Debt/FCF 3.88
Debt/EBITDA N/A
Cap/Depr 34.27%
Cap/Sales 1.83%
Interest Coverage N/A
Cash Conversion N/A
Profit Quality 142.87%
Current Ratio N/A
Quick Ratio N/A
Altman-Z N/A
F-Score7
WACC26.41%
ROIC/WACCN/A
Cap/Depr(3y)41.99%
Cap/Depr(5y)56.44%
Cap/Sales(3y)1.72%
Cap/Sales(5y)2.26%
Profit Quality(3y)105.26%
Profit Quality(5y)124.77%
High Growth Momentum
Growth
EPS 1Y (TTM)9.43%
EPS 3Y3.59%
EPS 5Y19.18%
EPS Q2Q%12.3%
EPS Next Y24.5%
EPS Next 2Y16.64%
EPS Next 3Y13.87%
EPS Next 5YN/A
Revenue 1Y (TTM)62.81%
Revenue growth 3Y21.8%
Revenue growth 5Y15.48%
Sales Q2Q%66.03%
Revenue Next Year10.91%
Revenue Next 2Y8.71%
Revenue Next 3Y7.3%
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 1Y386.43%
FCF growth 3Y10.86%
FCF growth 5Y25.56%
OCF growth 1Y355.73%
OCF growth 3Y10.08%
OCF growth 5Y22.41%

UMB FINANCIAL CORP - UMBF 7 3/4 PERP / UMBFO Fundamental Analysis FAQ

What is the fundamental rating for UMBFO stock?

ChartMill assigns a fundamental rating of 4 / 10 to UMBFO.


What is the valuation status for UMBFO stock?

ChartMill assigns a valuation rating of 8 / 10 to UMB FINANCIAL CORP - UMBF 7 3/4 PERP (UMBFO). This can be considered as Undervalued.


Can you provide the profitability details for UMB FINANCIAL CORP - UMBF 7 3/4 PERP?

UMB FINANCIAL CORP - UMBF 7 3/4 PERP (UMBFO) has a profitability rating of 3 / 10.


Can you provide the expected EPS growth for UMBFO stock?

The Earnings per Share (EPS) of UMB FINANCIAL CORP - UMBF 7 3/4 PERP (UMBFO) is expected to grow by 24.5% in the next year.


How sustainable is the dividend of UMB FINANCIAL CORP - UMBF 7 3/4 PERP (UMBFO) stock?

The dividend rating of UMB FINANCIAL CORP - UMBF 7 3/4 PERP (UMBFO) is 3 / 10 and the dividend payout ratio is 19.81%.