26.69 USD
+0.01 (+0.04%)
We assign a fundamental rating of 5 out of 10 to UMBFO. UMBFO was compared to 387 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
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.
1.2 Ratios
With a Return On Assets value of 0.83%, UMBFO perfoms like the industry average, outperforming 44.44% of the companies in the same industry.
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
UMBFO has a Profit Margin (25.16%) which is comparable to the rest of the industry.
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 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.
UMBFO has more shares outstanding than it did 1 year ago.
Compared to 5 years ago, UMBFO has less shares outstanding
Compared to 1 year ago, UMBFO has an improved debt to assets ratio.
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.
UMBFO's Debt to FCF ratio of 4.11 is on the low side compared to the rest of the industry. UMBFO is outperformed by 66.67% of its industry peers.
A Debt/Equity ratio of 0.44 indicates that UMBFO is not too dependend on debt financing.
The Debt to Equity ratio of UMBFO (0.44) is worse than 74.68% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.44 | ||
| Debt/FCF | 4.11 | ||
| Altman-Z | N/A |
ROIC/WACCN/A
WACC21.96%
2.3 Liquidity
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | N/A | ||
| Quick Ratio | N/A |
3. Growth
3.1 Past
The Earnings Per Share has grown by an nice 19.20% over the past year.
UMBFO shows quite a strong growth in Earnings Per Share. Measured over the last years, the EPS has been growing by 12.68% yearly.
UMBFO shows a strong growth in Revenue. In the last year, the Revenue has grown by 51.10%.
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
Based on estimates for the next years, UMBFO will show a quite strong growth in Earnings Per Share. The EPS will grow by 12.85% on average per year.
UMBFO is expected to show a strong growth in Revenue. In the coming years, the Revenue will grow by 23.02% yearly.
EPS Next Y6.6%
EPS Next 2Y14.17%
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 2.79, the valuation of UMBFO can be described as very cheap.
98.97% of the companies in the same industry are more expensive than UMBFO, based on the Price/Earnings ratio.
The average S&P500 Price/Earnings ratio is at 26.34. UMBFO is valued rather cheaply when compared to this.
UMBFO is valuated cheaply with a Price/Forward Earnings ratio of 2.27.
99.22% of the companies in the same industry are more expensive than UMBFO, based on the Price/Forward Earnings ratio.
When comparing the Price/Forward Earnings ratio of UMBFO to the average of the S&P500 Index (23.56), we can say UMBFO is valued rather cheaply.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 2.79 | ||
| Fwd PE | 2.27 |
4.2 Price Multiples
97.16% of the companies in the same industry are more expensive than UMBFO, based on the Price/Free Cash Flow ratio.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 2.52 | ||
| EV/EBITDA | N/A |
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 12.85% in the coming years. This may justify a more expensive valuation.
PEG (NY)0.42
PEG (5Y)0.22
EPS Next 2Y14.17%
EPS Next 3Y12.85%
5. Dividend
5.1 Amount
With a Yearly Dividend Yield of 1.48%, UMBFO has a reasonable but not impressive dividend return.
UMBFO's Dividend Yield is slightly below the industry average, which is at 3.11.
UMBFO's Dividend Yield is slightly below the S&P500 average, which is at 2.31.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 1.48% |
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
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 2Y14.17%
EPS Next 3Y12.85%
UMB FINANCIAL CORP - UMBF 7 3/4 PERP
NASDAQ:UMBFO (12/8/2025, 8:00:02 PM)
26.69
+0.01 (+0.04%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)
Earnings (Next)
Inst Owners94.19%
Inst Owner ChangeN/A
Ins Owners5.52%
Ins Owner ChangeN/A
Market Cap2.03B
Revenue(TTM)2.37B
Net Income(TTM)595.07M
Analysts82.11
Price Target32.44 (21.54%)
Short Float %0.02%
Short Ratio0.46
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 1.48% |
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)-5.22%
PT rev (3m)6.49%
EPS NQ rev (1m)-2.43%
EPS NQ rev (3m)-3.08%
EPS NY rev (1m)0.79%
EPS NY rev (3m)-8.47%
Revenue NQ rev (1m)-0.08%
Revenue NQ rev (3m)0.56%
Revenue NY rev (1m)0.45%
Revenue NY rev (3m)1.33%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 2.79 | ||
| Fwd PE | 2.27 | ||
| P/S | 0.86 | ||
| P/FCF | 2.52 | ||
| P/OCF | 2.37 | ||
| P/B | 0.27 | ||
| P/tB | 0.4 | ||
| EV/EBITDA | N/A |
EPS(TTM)9.56
EY35.82%
EPS(NY)11.74
Fwd EY44%
FCF(TTM)10.61
FCFY39.75%
OCF(TTM)11.24
OCFY42.12%
SpS31.15
BVpS98.01
TBVpS67.11
PEG (NY)0.42
PEG (5Y)0.22
Graham Number145.2
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
WACC21.96%
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 Y6.6%
EPS Next 2Y14.17%
EPS Next 3Y12.85%
EPS Next 5YN/A
Revenue 1Y (TTM)51.1%
Revenue growth 3Y8.29%
Revenue growth 5Y8.22%
Sales Q2Q%67.03%
Revenue Next Year61.68%
Revenue Next 2Y32.03%
Revenue Next 3Y23.02%
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 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 of UMB FINANCIAL CORP - UMBF 7 3/4 PERP (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.
What is the valuation of UMB FINANCIAL CORP - UMBF 7 3/4 PERP based on its PE and PB ratios?
The Price/Earnings (PE) ratio for UMB FINANCIAL CORP - UMBF 7 3/4 PERP (UMBFO) is 2.79 and the Price/Book (PB) ratio is 0.27.
How financially healthy is UMB FINANCIAL CORP - UMBF 7 3/4 PERP?
The financial health rating of UMB FINANCIAL CORP - UMBF 7 3/4 PERP (UMBFO) is 2 / 10.