27.3 USD
+0.13 (+0.48%)
27.17 USD
-0.13 (-0.48%)
We assign a fundamental rating of 5 out of 10 to UMBFO. UMBFO was compared to 383 industry peers in the Banks industry. Both the profitability and financial health of UMBFO have multiple concerns. UMBFO is evaluated to be cheap and growing strongly. This does not happen too often!
1. Profitability
1.1 Basic Checks
- UMBFO had positive earnings in the past year.
- 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.
1.2 Ratios
- UMBFO has a Return On Assets (0.83%) which is in line with its industry peers.
- The Return On Equity of UMBFO (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
- Looking at the Profit Margin, with a value of 25.16%, UMBFO is in line with its industry, outperforming 55.09% of the companies in the same industry.
- In the last couple of years the Profit Margin of UMBFO has grown nicely.
- The Operating Margin and Gross Margin are not available for UMBFO so they could not be analyzed.
| 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
- UMBFO does not have a ROIC to compare to the WACC, probably because it is not profitable.
- Compared to 1 year ago, UMBFO has more shares outstanding
- UMBFO has less shares outstanding than it did 5 years ago.
- The debt/assets ratio for UMBFO has been reduced compared to a year ago.
2.2 Solvency
- UMBFO has a debt to FCF ratio of 4.11. This is a neutral value as UMBFO would need 4.11 years to pay back of all of its debts.
- Looking at the Debt to FCF ratio, with a value of 4.11, UMBFO is doing worse than 67.89% of the companies in the same industry.
- UMBFO has a Debt/Equity ratio of 0.44. This is a healthy value indicating a solid balance between debt and equity.
- With a Debt to Equity ratio value of 0.44, UMBFO is not doing good in the industry: 73.89% of the companies in the same industry are doing better.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.44 | ||
| Debt/FCF | 4.11 | ||
| Altman-Z | N/A |
ROIC/WACCN/A
WACC21.85%
2.3 Liquidity
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | N/A | ||
| Quick Ratio | N/A |
3. Growth
3.1 Past
- UMBFO 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.
- The Revenue has grown by 51.10% in the past year. This is a very strong growth!
- Measured over the past years, UMBFO shows a quite strong growth in Revenue. The Revenue has been growing by 8.22% on average per year.
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 12.85% on average over the next years. This is quite good.
- The Revenue is expected to grow by 23.02% on average over the next years. This is a very strong growth
EPS Next Y4.94%
EPS Next 2Y14.09%
EPS Next 3Y12.85%
EPS Next 5YN/A
Revenue Next Year61.68%
Revenue Next 2Y32.03%
Revenue Next 3Y23.02%
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.
4. Valuation
4.1 Price/Earnings Ratio
- Based on the Price/Earnings ratio of 2.86, the valuation of UMBFO can be described as very cheap.
- Based on the Price/Earnings ratio, UMBFO is valued cheaper than 98.96% of the companies in the same industry.
- UMBFO is valuated cheaply when we compare the Price/Earnings ratio to 27.30, which is the current average of the S&P500 Index.
- A Price/Forward Earnings ratio of 2.33 indicates a rather cheap valuation of UMBFO.
- Compared to the rest of the industry, the Price/Forward Earnings ratio of UMBFO indicates a rather cheap valuation: UMBFO is cheaper than 99.22% of the companies listed in the same industry.
- The average S&P500 Price/Forward Earnings ratio is at 24.32. UMBFO is valued rather cheaply when compared to this.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 2.86 | ||
| Fwd PE | 2.33 |
4.2 Price Multiples
- UMBFO's Price/Free Cash Flow ratio is rather cheap when compared to the industry. UMBFO is cheaper than 97.39% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 2.57 | ||
| EV/EBITDA | N/A |
4.3 Compensation for Growth
- UMBFO's low PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a rather cheap valuation of the company.
- UMBFO's earnings are expected to grow with 12.85% in the coming years. This may justify a more expensive valuation.
PEG (NY)0.58
PEG (5Y)0.23
EPS Next 2Y14.09%
EPS Next 3Y12.85%
5. Dividend
5.1 Amount
- UMBFO has a Yearly Dividend Yield of 1.39%. Purely for dividend investing, there may be better candidates out there.
- Compared to an average industry Dividend Yield of 2.84, UMBFO is paying slightly less dividend.
- UMBFO's Dividend Yield is slightly below the S&P500 average, which is at 1.82.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 1.39% |
5.2 History
- The dividend of UMBFO has a limited annual growth rate of 5.50%.
- UMBFO does not have a reliable dividend history as it only pays dividend since a couple or years.
Dividend Growth(5Y)5.5%
Div Incr YearsN/A
Div Non Decr YearsN/A
5.3 Sustainability
- UMBFO pays out 19.25% of its income as dividend. This is a sustainable payout ratio.
- UMBFO's earnings are growing more than its dividend. This makes the dividend growth sustainable.
DP19.25%
EPS Next 2Y14.09%
EPS Next 3Y12.85%
UMB FINANCIAL CORP - UMBF 7 3/4 PERP / UMBFO FAQ
What is the fundamental rating for UMBFO stock?
ChartMill assigns a fundamental rating of 5 / 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 4.94% 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 19.25%.