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

NASDAQ:UMBFO • US9027884058

26.89 USD
+0.09 (+0.34%)
Last: Mar 2, 2026, 08:00 PM
Overview Stock Chart Technical Analysis Fundamental Analysis Analyst Ratings Earnings Estimates Financials Ownership News
Fundamental Rating

4

We assign a fundamental rating of 4 out of 10 to UMBFO. UMBFO was compared to 379 industry peers in the Banks industry. UMBFO has a bad profitability rating. Also its financial health evaluation is rather negative. UMBFO scores decently on growth, while it is valued quite cheap. This could make an interesting combination.


Dividend Valuation Growth Profitability Health

3

1. Profitability

1.1 Basic Checks

  • In the past year UMBFO was profitable.
  • In the past year UMBFO had a positive cash flow from operations.
  • UMBFO had positive earnings in each of the past 5 years.
  • Of the past 5 years UMBFO 4 years 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

1.2 Ratios

  • UMBFO's Return On Assets of 0.83% is in line compared to the rest of the industry. UMBFO outperforms 41.95% of its industry peers.
  • UMBFO's Return On Equity of 7.99% is in line compared to the rest of the industry. UMBFO outperforms 40.63% of its industry peers.
Industry RankSector Rank
ROA 0.83%
ROE 7.99%
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

  • UMBFO has a Profit Margin of 25.16%. This is comparable to the rest of the industry: UMBFO outperforms 53.56% of its industry peers.
  • In the last couple of years the Profit Margin of UMBFO has grown nicely.
  • 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) 25.16%
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. 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
  • 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

  • The Debt to FCF ratio of UMBFO is 4.11, which is a neutral value as it means it would take UMBFO, 4.11 years of fcf income to pay off all of its debts.
  • With a Debt to FCF ratio value of 4.11, UMBFO is not doing good in the industry: 67.28% of the companies in the same industry are doing better.
  • A Debt/Equity ratio of 0.44 indicates that UMBFO is not too dependend on debt financing.
  • UMBFO has a worse Debt to Equity ratio (0.44) than 73.88% of its industry peers.
Industry RankSector Rank
Debt/Equity 0.44
Debt/FCF 4.11
Altman-Z N/A
ROIC/WACCN/A
WACC21.74%
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. Growth

3.1 Past

  • The Earnings Per Share has grown by an nice 9.43% over the past year.
  • The Earnings Per Share has been growing by 19.18% on average over the past years. This is quite good.
  • Looking at the last year, UMBFO shows a very strong growth in Revenue. The Revenue has grown by 62.81%.
  • Measured over the past years, UMBFO shows a quite strong growth in Revenue. The Revenue has been growing by 15.48% on average per year.
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.
  • UMBFO is expected to show a small growth in Revenue. In the coming years, the Revenue will grow by 7.30% yearly.
EPS Next Y23.9%
EPS Next 2Y16.68%
EPS Next 3Y13.87%
EPS Next 5YN/A
Revenue Next Year10.76%
Revenue Next 2Y8.59%
Revenue Next 3Y7.3%
Revenue Next 5YN/A

3.3 Evolution

  • Although the future EPS growth is still strong, it is not able to hold up the even more excellent growth rate of the past 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 decreasing.
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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Find the best growth stocksShow best growing peers

8

4. Valuation

4.1 Price/Earnings Ratio

  • Based on the Price/Earnings ratio of 2.73, the valuation of UMBFO can be described as very cheap.
  • Compared to the rest of the industry, the Price/Earnings ratio of UMBFO indicates a rather cheap valuation: UMBFO is cheaper than 98.94% of the companies listed in the same industry.
  • UMBFO is valuated cheaply when we compare the Price/Earnings ratio to 27.13, which is the current average of the S&P500 Index.
  • The Price/Forward Earnings ratio is 2.20, which 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 99.21% of the companies listed in the same industry.
  • When comparing the Price/Forward Earnings ratio of UMBFO to the average of the S&P500 Index (28.11), we can say UMBFO is valued rather cheaply.
Industry RankSector Rank
PE 2.73
Fwd PE 2.2
UMBFO Price Earnings VS Forward Price EarningsUMBFO Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 5 10 15 20 25

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 97.63% of the companies listed in the same industry.
Industry RankSector Rank
P/FCF 2.54
EV/EBITDA N/A
UMBFO Per share dataUMBFO EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 20 40 60 80

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.
  • UMBFO's earnings are expected to grow with 13.87% in the coming years. This may justify a more expensive valuation.
PEG (NY)0.11
PEG (5Y)0.14
EPS Next 2Y16.68%
EPS Next 3Y13.87%

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

3

5. Dividend

5.1 Amount

  • With a Yearly Dividend Yield of 1.39%, UMBFO has a reasonable but not impressive dividend return.
  • Compared to an average industry Dividend Yield of 2.73, UMBFO is paying slightly less dividend.
  • UMBFO's Dividend Yield is slightly below the S&P500 average, which is at 1.82.
Industry RankSector Rank
Dividend Yield 1.39%

5.2 History

  • The dividend of UMBFO has a limited annual growth rate of 5.50%.
  • UMBFO is new to the dividend game and has less than 3 years of track record.
Dividend Growth(5Y)5.5%
Div Incr YearsN/A
Div Non Decr YearsN/A

5.3 Sustainability

  • 19.25% of the earnings are spent on dividend by UMBFO. This is a low number and sustainable payout ratio.
  • UMBFO's earnings are growing more than its dividend. This makes the dividend growth sustainable.
DP19.25%
EPS Next 2Y16.68%
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
UMBFO Dividend Payout.UMBFO Dividend Payout, showing the Payout Ratio.UMBFO Dividend Payout.PayoutRetained Earnings

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Find the best dividend stocksShow peers with best dividend

UMB FINANCIAL CORP - UMBF 7 3/4 PERP

NASDAQ:UMBFO (3/2/2026, 8:00:02 PM)

26.89

+0.09 (+0.34%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)01-27
Earnings (Next)04-27
Inst Owners94.22%
Inst Owner ChangeN/A
Ins Owners5.51%
Ins Owner ChangeN/A
Market Cap2.04B
Revenue(TTM)2.65B
Net Income(TTM)595.07M
Analysts81.11
Price Target33.31 (23.88%)
Short Float %0.05%
Short Ratio2.44
Dividend
Industry RankSector Rank
Dividend Yield 1.39%
Yearly Dividend1.58
Dividend Growth(5Y)5.5%
DP19.25%
Div Incr YearsN/A
Div Non Decr YearsN/A
Ex-DateN/A
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)3.33%
PT rev (3m)-4.49%
EPS NQ rev (1m)0.26%
EPS NQ rev (3m)0.86%
EPS NY rev (1m)4.22%
EPS NY rev (3m)4.46%
Revenue NQ rev (1m)0.08%
Revenue NQ rev (3m)0.08%
Revenue NY rev (1m)2.72%
Revenue NY rev (3m)3.15%
Valuation
Industry RankSector Rank
PE 2.73
Fwd PE 2.2
P/S 0.86
P/FCF 2.54
P/OCF 2.39
P/B 0.27
P/tB 0.4
EV/EBITDA N/A
EPS(TTM)9.86
EY36.67%
EPS(NY)12.22
Fwd EY45.43%
FCF(TTM)10.61
FCFY39.45%
OCF(TTM)11.24
OCFY41.8%
SpS31.14
BVpS98
TBVpS67.1
PEG (NY)0.11
PEG (5Y)0.14
Graham Number147.45
Profitability
Industry RankSector 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)0.87%
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-Score8
Asset Turnover0.03
Health
Industry RankSector 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-Score8
WACC21.74%
ROIC/WACCN/A
Cap/Depr(3y)N/A
Cap/Depr(5y)N/A
Cap/Sales(3y)N/A
Cap/Sales(5y)N/A
Profit Quality(3y)N/A
Profit Quality(5y)N/A
High Growth Momentum
Growth
EPS 1Y (TTM)9.43%
EPS 3Y3.59%
EPS 5Y19.18%
EPS Q2Q%12.3%
EPS Next Y23.9%
EPS Next 2Y16.68%
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 Year10.76%
Revenue Next 2Y8.59%
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 1Y124.24%
FCF growth 3YN/A
FCF growth 5YN/A
OCF growth 1Y126.36%
OCF growth 3YN/A
OCF growth 5YN/A

UMB FINANCIAL CORP - UMBF 7 3/4 PERP / UMBFO 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 23.9% 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%.