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

NASDAQ:UMBFO - US9027884058

26.47 USD
+0.1 (+0.38%)
Last: 9/3/2025, 8:00:01 PM
Fundamental Rating

5

UMBFO gets a fundamental rating of 5 out of 10. The analysis compared the fundamentals against 395 industry peers in the Banks industry. UMBFO has a medium profitability rating, but doesn't score so well on its financial health evaluation. UMBFO has both an excellent growth and valuation score. This means it is growing and it is still cheap. This is a rare combination!


Dividend Valuation Growth Profitability Health

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4

1. Profitability

1.1 Basic Checks

UMBFO had positive earnings in the past year.
UMBFO had a positive operating cash flow in the past year.
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 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 200M 400M 600M

1.2 Ratios

UMBFO has a Return On Assets (0.73%) which is in line with its industry peers.
The Return On Equity of UMBFO (7.20%) is comparable to the rest of the industry.
Industry RankSector Rank
ROA 0.73%
ROE 7.2%
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
UMBFO Yearly ROA, ROE, ROICUMBFO Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 5 10 15

1.3 Margins

Looking at the Profit Margin, with a value of 25.05%, UMBFO is in the better half of the industry, outperforming 60.25% of the companies in the same 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 RankSector Rank
OM N/A
PM (TTM) 25.05%
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
UMBFO Yearly Profit, Operating, Gross MarginsUMBFO Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 5 10 15 20 25

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2

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
UMBFO has a better debt/assets ratio than last year.
UMBFO Yearly Shares OutstandingUMBFO Yearly Shares OutstandingYearly Shares Outstanding 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 10M 20M 30M 40M
UMBFO Yearly Total Debt VS Total AssetsUMBFO Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 10B 20B 30B 40B 50B

2.2 Solvency

UMBFO has a debt to FCF ratio of 5.39. This is a neutral value as UMBFO would need 5.39 years to pay back of all of its debts.
UMBFO's Debt to FCF ratio of 5.39 is on the low side compared to the rest of the industry. UMBFO is outperformed by 69.37% of its industry peers.
UMBFO has a Debt/Equity ratio of 0.49. This is a healthy value indicating a solid balance between debt and equity.
With a Debt to Equity ratio value of 0.49, UMBFO is not doing good in the industry: 76.46% of the companies in the same industry are doing better.
Industry RankSector Rank
Debt/Equity 0.49
Debt/FCF 5.39
Altman-Z N/A
ROIC/WACCN/A
WACC22.12%
UMBFO Yearly LT Debt VS Equity VS FCFUMBFO Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 1B 2B 3B

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 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 1B 2B 3B 4B

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8

3. Growth

3.1 Past

UMBFO shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 21.94%, which is quite impressive.
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, UMBFO shows a very strong growth in Revenue. The Revenue has grown by 38.17%.
The Revenue has been growing by 8.22% on average over the past years. This is quite good.
EPS 1Y (TTM)21.94%
EPS 3Y7.51%
EPS 5Y12.68%
EPS Q2Q%36.23%
Revenue 1Y (TTM)38.17%
Revenue growth 3Y8.29%
Revenue growth 5Y8.22%
Sales Q2Q%76.71%

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 12.13% on average per year.
Based on estimates for the next years, UMBFO will show a very strong growth in Revenue. The Revenue will grow by 22.30% on average per year.
EPS Next Y16.46%
EPS Next 2Y13.72%
EPS Next 3Y12.13%
EPS Next 5YN/A
Revenue Next Year59.55%
Revenue Next 2Y31.09%
Revenue Next 3Y22.3%
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.
UMBFO Yearly Revenue VS EstimatesUMBFO Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2014 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 1B 2B 3B
UMBFO Yearly EPS VS EstimatesUMBFO Yearly EPS VS EstimatesYearly EPS VS Estimates 2014 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 2 4 6 8 10

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8

4. Valuation

4.1 Price/Earnings Ratio

The Price/Earnings ratio is 2.80, which indicates a rather cheap valuation of UMBFO.
Compared to the rest of the industry, the Price/Earnings ratio of UMBFO indicates a rather cheap valuation: UMBFO is cheaper than 98.99% of the companies listed in the same industry.
Compared to an average S&P500 Price/Earnings ratio of 26.84, UMBFO is valued rather cheaply.
Based on the Price/Forward Earnings ratio of 2.27, the valuation of UMBFO can be described as very cheap.
99.24% of the companies in the same industry are more expensive than UMBFO, based on the Price/Forward Earnings ratio.
The average S&P500 Price/Forward Earnings ratio is at 22.48. UMBFO is valued rather cheaply when compared to this.
Industry RankSector Rank
PE 2.8
Fwd PE 2.27
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

UMBFO's Price/Free Cash Flow ratio is rather cheap when compared to the industry. UMBFO is cheaper than 96.96% of the companies in the same industry.
Industry RankSector Rank
P/FCF 3.02
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 12.13% in the coming years. This may justify a more expensive valuation.
PEG (NY)0.17
PEG (5Y)0.22
EPS Next 2Y13.72%
EPS Next 3Y12.13%

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3

5. Dividend

5.1 Amount

UMBFO has a Yearly Dividend Yield of 1.31%. Purely for dividend investing, there may be better candidates out there.
Compared to an average industry Dividend Yield of 3.17, UMBFO is paying slightly less dividend.
With a Dividend Yield of 1.31, UMBFO pays less dividend than the S&P500 average, which is at 2.32.
Industry RankSector Rank
Dividend Yield 1.31%

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

19.28% 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.
DP19.28%
EPS Next 2Y13.72%
EPS Next 3Y12.13%
UMBFO Yearly Income VS Free CF VS DividendUMBFO Yearly Income VS Free CF VS DividendYearly Income VS Free CF VS Dividend 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 200M 400M 600M
UMBFO Dividend Payout.UMBFO Dividend Payout, showing the Payout Ratio.UMBFO Dividend Payout.PayoutRetained Earnings

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UMB FINANCIAL CORP - UMBF 7 3/4 PERP

NASDAQ:UMBFO (9/3/2025, 8:00:01 PM)

26.47

+0.1 (+0.38%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)07-29 2025-07-29/amc
Earnings (Next)10-27 2025-10-27/amc
Inst Owners89.24%
Inst Owner ChangeN/A
Ins Owners5.53%
Ins Owner ChangeN/A
Market Cap2.01B
Analysts81.18
Price Target30.46 (15.07%)
Short Float %0.04%
Short Ratio0.23
Dividend
Industry RankSector Rank
Dividend Yield 1.31%
Yearly Dividend1.58
Dividend Growth(5Y)5.5%
DP19.28%
Div Incr YearsN/A
Div Non Decr YearsN/A
Ex-DateN/A
Surprises & Revisions
EPS beat(2)1
Avg EPS beat(2)1.04%
Min EPS beat(2)-13.34%
Max EPS beat(2)15.42%
EPS beat(4)3
Avg EPS beat(4)2.08%
Min EPS beat(4)-13.34%
Max EPS beat(4)15.42%
EPS beat(8)6
Avg EPS beat(8)3.05%
EPS beat(12)7
Avg EPS beat(12)0.19%
EPS beat(16)10
Avg EPS beat(16)4.2%
Revenue beat(2)1
Avg Revenue beat(2)2.37%
Min Revenue beat(2)-1.12%
Max Revenue beat(2)5.85%
Revenue beat(4)2
Avg Revenue beat(4)1.99%
Min Revenue beat(4)-1.12%
Max Revenue beat(4)5.85%
Revenue beat(8)4
Avg Revenue beat(8)1.22%
Revenue beat(12)4
Avg Revenue beat(12)-0.25%
Revenue beat(16)5
Avg Revenue beat(16)0.21%
PT rev (1m)-1.65%
PT rev (3m)N/A
EPS NQ rev (1m)-0.69%
EPS NQ rev (3m)N/A
EPS NY rev (1m)2.64%
EPS NY rev (3m)N/A
Revenue NQ rev (1m)0.96%
Revenue NQ rev (3m)N/A
Revenue NY rev (1m)2.14%
Revenue NY rev (3m)N/A
Valuation
Industry RankSector Rank
PE 2.8
Fwd PE 2.27
P/S 0.96
P/FCF 3.02
P/OCF 2.85
P/B 0.28
P/tB 0.41
EV/EBITDA N/A
EPS(TTM)9.45
EY35.7%
EPS(NY)11.65
Fwd EY44.02%
FCF(TTM)8.77
FCFY33.12%
OCF(TTM)9.29
OCFY35.09%
SpS27.57
BVpS95.95
TBVpS65.08
PEG (NY)0.17
PEG (5Y)0.22
Profitability
Industry RankSector Rank
ROA 0.73%
ROE 7.2%
ROCE N/A
ROIC N/A
ROICexc N/A
ROICexgc N/A
OM N/A
PM (TTM) 25.05%
GM N/A
FCFM 31.8%
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
ROICexcg growth 3YN/A
ROICexcg 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-Score5
Asset Turnover0.03
Health
Industry RankSector Rank
Debt/Equity 0.49
Debt/FCF 5.39
Debt/EBITDA N/A
Cap/Depr 42.53%
Cap/Sales 1.89%
Interest Coverage N/A
Cash Conversion N/A
Profit Quality 126.94%
Current Ratio N/A
Quick Ratio N/A
Altman-Z N/A
F-Score5
WACC22.12%
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)21.94%
EPS 3Y7.51%
EPS 5Y12.68%
EPS Q2Q%36.23%
EPS Next Y16.46%
EPS Next 2Y13.72%
EPS Next 3Y12.13%
EPS Next 5YN/A
Revenue 1Y (TTM)38.17%
Revenue growth 3Y8.29%
Revenue growth 5Y8.22%
Sales Q2Q%76.71%
Revenue Next Year59.55%
Revenue Next 2Y31.09%
Revenue Next 3Y22.3%
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 1Y42.44%
FCF growth 3Y-26.21%
FCF growth 5Y-5.56%
OCF growth 1Y35.82%
OCF growth 3Y-25%
OCF growth 5Y-7.9%