25 USD
0 (0%)
We assign a fundamental rating of 4 out of 10 to UMBFP. UMBFP was compared to 383 industry peers in the Banks industry. UMBFP has a bad profitability rating. Also its financial health evaluation is rather negative. UMBFP is growing strongly while it also seems undervalued. This is an interesting combination
1. Profitability
1.1 Basic Checks
- UMBFP had positive earnings in the past year.
- UMBFP had a positive operating cash flow in the past year.
- Each year in the past 5 years UMBFP has been profitable.
- UMBFP had a positive operating cash flow in each of the past 5 years.
1.2 Ratios
- UMBFP has a Return On Assets of 0.59%. This is in the lower half of the industry: UMBFP underperforms 68.94% of its industry peers.
- With a Return On Equity value of 6.08%, UMBFP is not doing good in the industry: 69.19% of the companies in the same industry are doing better.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 0.59% | ||
| ROE | 6.08% | ||
| 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
- UMBFP has a Profit Margin of 22.87%. This is comparable to the rest of the industry: UMBFP outperforms 45.96% of its industry peers.
- In the last couple of years the Profit Margin of UMBFP has grown nicely.
- The Operating Margin and Gross Margin are not available for UMBFP so they could not be analyzed.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| OM | N/A | ||
| PM (TTM) | 22.87% | ||
| 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
- UMBFP does not have a ROIC to compare to the WACC, probably because it is not profitable.
- Compared to 1 year ago, UMBFP has more shares outstanding
- The number of shares outstanding for UMBFP has been reduced compared to 5 years ago.
- The debt/assets ratio for UMBFP has been reduced compared to a year ago.
2.2 Solvency
- The Debt to FCF ratio of UMBFP is 6.41, which is on the high side as it means it would take UMBFP, 6.41 years of fcf income to pay off all of its debts.
- UMBFP has a Debt to FCF ratio of 6.41. This is in the lower half of the industry: UMBFP underperforms 72.73% of its industry peers.
- UMBFP has a Debt/Equity ratio of 0.48. This is a healthy value indicating a solid balance between debt and equity.
- Looking at the Debt to Equity ratio, with a value of 0.48, UMBFP is doing worse than 78.03% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.48 | ||
| Debt/FCF | 6.41 | ||
| Altman-Z | N/A |
ROIC/WACCN/A
WACC22.49%
2.3 Liquidity
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | N/A | ||
| Quick Ratio | N/A |
3. Growth
3.1 Past
- UMBFP shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 15.54%, 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 20.51% in the past year. This is a very strong growth!
- UMBFP shows quite a strong growth in Revenue. Measured over the last years, the Revenue has been growing by 8.22% yearly.
EPS 1Y (TTM)15.54%
EPS 3Y7.51%
EPS 5Y12.68%
EPS Q2Q%-13.78%
Revenue 1Y (TTM)20.51%
Revenue growth 3Y8.29%
Revenue growth 5Y8.22%
Sales Q2Q%41.43%
3.2 Future
- UMBFP is expected to show quite a strong growth in Earnings Per Share. In the coming years, the EPS will grow by 10.79% yearly.
- UMBFP is expected to show a strong growth in Revenue. In the coming years, the Revenue will grow by 21.21% yearly.
EPS Next Y13.47%
EPS Next 2Y12.6%
EPS Next 3Y10.79%
EPS Next 5YN/A
Revenue Next Year56.14%
Revenue Next 2Y29.73%
Revenue Next 3Y21.22%
Revenue Next 5YN/A
3.3 Evolution
- The EPS growth rate is stable: in the next years the growth will be about the same than in the last years.
- The Revenue growth rate is accelerating: in the next years the growth will be better than in the last years.
4. Valuation
4.1 Price/Earnings Ratio
- The Price/Earnings ratio is 2.87, which indicates a rather cheap valuation of UMBFP.
- Compared to the rest of the industry, the Price/Earnings ratio of UMBFP indicates a rather cheap valuation: UMBFP is cheaper than 98.48% of the companies listed in the same industry.
- Compared to an average S&P500 Price/Earnings ratio of 27.47, UMBFP is valued rather cheaply.
- UMBFP is valuated cheaply with a Price/Forward Earnings ratio of 2.19.
- Compared to the rest of the industry, the Price/Forward Earnings ratio of UMBFP indicates a rather cheap valuation: UMBFP is cheaper than 98.99% of the companies listed in the same industry.
- When comparing the Price/Forward Earnings ratio of UMBFP to the average of the S&P500 Index (24.26), we can say UMBFP is valued rather cheaply.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 2.87 | ||
| Fwd PE | 2.19 |
4.2 Price Multiples
- 93.18% of the companies in the same industry are more expensive than UMBFP, based on the Price/Free Cash Flow ratio.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 3.78 | ||
| 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.
PEG (NY)0.21
PEG (5Y)0.23
EPS Next 2Y12.6%
EPS Next 3Y10.79%
5. Dividend
5.1 Amount
- UMBFP has a Yearly Dividend Yield of 1.48%.
- Compared to an average industry Dividend Yield of 2.91, UMBFP is paying slightly less dividend.
- Compared to the average S&P500 Dividend Yield of 1.89, UMBFP is paying slightly less dividend.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 1.48% |
5.2 History
- The dividend of UMBFP has a limited annual growth rate of 5.50%.
- UMBFP is new to the dividend game and has less than 3 years of track record.
Dividend Growth(5Y)5.5%
Div Incr Years0
Div Non Decr Years0
5.3 Sustainability
- 21.50% of the earnings are spent on dividend by UMBFP. This is a low number and sustainable payout ratio.
- The dividend of UMBFP is growing, but earnings are growing more, so the dividend growth is sustainable.
DP21.5%
EPS Next 2Y12.6%
EPS Next 3Y10.79%
NASDAQ:UMBFP (7/14/2025, 8:10:03 PM)
25
0 (0%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)04-29 2025-04-29/amc
Earnings (Next)07-29 2025-07-29/amc
Inst Owners88.88%
Inst Owner ChangeN/A
Ins Owners5.52%
Ins Owner ChangeN/A
Market Cap1.90B
Revenue(TTM)1.79B
Net Income(TTM)410.31M
Analysts81.25
Price Target31.25 (25%)
Short Float %N/A
Short RatioN/A
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 1.48% |
Yearly Dividend1.58
Dividend Growth(5Y)5.5%
DP21.5%
Div Incr Years0
Div Non Decr Years0
Ex-DateN/A
Surprises & Revisions
EPS beat(2)1
Avg EPS beat(2)-3.7%
Min EPS beat(2)-13.34%
Max EPS beat(2)5.94%
EPS beat(4)3
Avg EPS beat(4)-1.52%
Min EPS beat(4)-13.34%
Max EPS beat(4)5.94%
EPS beat(8)5
Avg EPS beat(8)0.4%
EPS beat(12)7
Avg EPS beat(12)2.77%
EPS beat(16)9
Avg EPS beat(16)3.16%
Revenue beat(2)1
Avg Revenue beat(2)1.16%
Min Revenue beat(2)-1.12%
Max Revenue beat(2)3.44%
Revenue beat(4)1
Avg Revenue beat(4)0.37%
Min Revenue beat(4)-1.12%
Max Revenue beat(4)3.44%
Revenue beat(8)3
Avg Revenue beat(8)-0.15%
Revenue beat(12)4
Avg Revenue beat(12)0.36%
Revenue beat(16)5
Avg Revenue beat(16)0.13%
PT rev (1m)0%
PT rev (3m)-8.84%
EPS NQ rev (1m)0.59%
EPS NQ rev (3m)5.47%
EPS NY rev (1m)-0.02%
EPS NY rev (3m)7.74%
Revenue NQ rev (1m)0.01%
Revenue NQ rev (3m)1.17%
Revenue NY rev (1m)0%
Revenue NY rev (3m)0.94%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 2.87 | ||
| Fwd PE | 2.19 | ||
| P/S | 1.06 | ||
| P/FCF | 3.78 | ||
| P/OCF | 3.57 | ||
| P/B | 0.28 | ||
| P/tB | 0.43 | ||
| EV/EBITDA | N/A |
EPS(TTM)8.7
EY34.8%
EPS(NY)11.42
Fwd EY45.69%
FCF(TTM)6.61
FCFY26.42%
OCF(TTM)7.01
OCFY28.04%
SpS23.63
BVpS88.89
TBVpS57.86
PEG (NY)0.21
PEG (5Y)0.23
Graham NumberN/A
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 0.59% | ||
| ROE | 6.08% | ||
| ROCE | N/A | ||
| ROIC | N/A | ||
| ROICexc | N/A | ||
| ROICexgc | N/A | ||
| OM | N/A | ||
| PM (TTM) | 22.87% | ||
| GM | N/A | ||
| FCFM | 27.95% |
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-Score4
Asset Turnover0.03
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.48 | ||
| Debt/FCF | 6.41 | ||
| Debt/EBITDA | N/A | ||
| Cap/Depr | 44.87% | ||
| Cap/Sales | 1.71% | ||
| Interest Coverage | N/A | ||
| Cash Conversion | N/A | ||
| Profit Quality | 122.23% | ||
| Current Ratio | N/A | ||
| Quick Ratio | N/A | ||
| Altman-Z | N/A |
F-Score4
WACC22.49%
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)15.54%
EPS 3Y7.51%
EPS 5Y12.68%
EPS Q2Q%-13.78%
EPS Next Y13.47%
EPS Next 2Y12.6%
EPS Next 3Y10.79%
EPS Next 5YN/A
Revenue 1Y (TTM)20.51%
Revenue growth 3Y8.29%
Revenue growth 5Y8.22%
Sales Q2Q%41.43%
Revenue Next Year56.14%
Revenue Next 2Y29.73%
Revenue Next 3Y21.22%
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 1Y-4.05%
FCF growth 3Y-26.21%
FCF growth 5Y-5.56%
OCF growth 1Y-7.48%
OCF growth 3Y-25%
OCF growth 5Y-7.9%
UMB FINANCIAL CORP / UMBFP FAQ
What is the ChartMill fundamental rating of UMB FINANCIAL CORP (UMBFP) stock?
ChartMill assigns a fundamental rating of 4 / 10 to UMBFP.
Can you provide the valuation status for UMB FINANCIAL CORP?
ChartMill assigns a valuation rating of 8 / 10 to UMB FINANCIAL CORP (UMBFP). This can be considered as Undervalued.
What is the profitability of UMBFP stock?
UMB FINANCIAL CORP (UMBFP) has a profitability rating of 3 / 10.
How financially healthy is UMB FINANCIAL CORP?
The financial health rating of UMB FINANCIAL CORP (UMBFP) is 1 / 10.
Is the dividend of UMB FINANCIAL CORP sustainable?
The dividend rating of UMB FINANCIAL CORP (UMBFP) is 3 / 10 and the dividend payout ratio is 21.5%.