Logo image of UMBFP

UMB FINANCIAL CORP (UMBFP) Stock Fundamental Analysis

NASDAQ:UMBFP - Nasdaq - US9027882078 - Currency: USD

25  0 (0%)

Fundamental Rating

4

Overall UMBFP gets a fundamental rating of 4 out of 10. We evaluated UMBFP against 393 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


Dividend Valuation Growth Profitability Health

Quickly go to:

3

1. Profitability

1.1 Basic Checks

UMBFP had positive earnings in the past year.
In the past year UMBFP had a positive cash flow from operations.
In the past 5 years UMBFP has always been profitable.
In the past 5 years UMBFP always reported a positive cash flow from operatings.
UMBFP Yearly Net Income VS EBIT VS OCF VS FCFUMBFP 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

With a Return On Assets value of 0.59%, UMBFP is not doing good in the industry: 68.94% of the companies in the same industry are doing better.
The Return On Equity of UMBFP (6.08%) is worse than 69.19% of its industry peers.
Industry RankSector 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
UMBFP Yearly ROA, ROE, ROICUMBFP Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 5 10 15

1.3 Margins

UMBFP has a Profit Margin (22.87%) which is in line with its industry peers.
UMBFP's Profit Margin has improved in the last couple of years.
The Operating Margin and Gross Margin are not available for UMBFP so they could not be analyzed.
Industry RankSector 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
UMBFP Yearly Profit, Operating, Gross MarginsUMBFP Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 5 10 15 20 25

More info and screens

1

2. Health

2.1 Basic Checks

UMBFP does not have a ROIC to compare to the WACC, probably because it is not profitable.
UMBFP has more shares outstanding than it did 1 year ago.
UMBFP has less shares outstanding than it did 5 years ago.
The debt/assets ratio for UMBFP has been reduced compared to a year ago.
UMBFP Yearly Shares OutstandingUMBFP Yearly Shares OutstandingYearly Shares Outstanding 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 10M 20M 30M 40M
UMBFP Yearly Total Debt VS Total AssetsUMBFP 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

UMBFP has a debt to FCF ratio of 6.41. This is a slightly negative value and a sign of low solvency as UMBFP would need 6.41 years to pay back of all of its debts.
Looking at the Debt to FCF ratio, with a value of 6.41, UMBFP is doing worse than 72.73% of the companies in the same industry.
A Debt/Equity ratio of 0.48 indicates that UMBFP is not too dependend on debt financing.
With a Debt to Equity ratio value of 0.48, UMBFP is not doing good in the industry: 78.03% of the companies in the same industry are doing better.
Industry RankSector Rank
Debt/Equity 0.48
Debt/FCF 6.41
Altman-Z N/A
ROIC/WACCN/A
WACC22.49%
UMBFP Yearly LT Debt VS Equity VS FCFUMBFP 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
UMBFP Yearly Current Assets VS Current LiabilitesUMBFP 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

More info and screens

8

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.
UMBFP shows quite a strong growth in Earnings Per Share. Measured over the last years, the EPS has been growing by 12.68% yearly.
Looking at the last year, UMBFP shows a very strong growth in Revenue. The Revenue has grown by 20.51%.
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

The Earnings Per Share is expected to grow by 10.79% on average over the next years. This is quite good.
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.
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.
UMBFP Yearly Revenue VS EstimatesUMBFP Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2014 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 500M 1B 1.5B 2B 2.5B
UMBFP Yearly EPS VS EstimatesUMBFP 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

More info and screens

8

4. Valuation

4.1 Price/Earnings Ratio

The Price/Earnings ratio is 2.87, which indicates a rather cheap valuation of UMBFP.
98.48% of the companies in the same industry are more expensive than UMBFP, based on the Price/Earnings ratio.
UMBFP is valuated cheaply when we compare the Price/Earnings ratio to 28.05, which is the current average of the S&P500 Index.
A Price/Forward Earnings ratio of 2.19 indicates a rather cheap valuation of UMBFP.
98.99% of the companies in the same industry are more expensive than UMBFP, based on the Price/Forward Earnings ratio.
UMBFP's Price/Forward Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 37.67.
Industry RankSector Rank
PE 2.87
Fwd PE 2.19
UMBFP Price Earnings VS Forward Price EarningsUMBFP Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 10 20 30

4.2 Price Multiples

Based on the Price/Free Cash Flow ratio, UMBFP is valued cheaply inside the industry as 93.18% of the companies are valued more expensively.
Industry RankSector Rank
P/FCF 3.78
EV/EBITDA N/A
UMBFP Per share dataUMBFP EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 20 40 60 80

4.3 Compensation for Growth

UMBFP's 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%

More info and screens

3

5. Dividend

5.1 Amount

With a Yearly Dividend Yield of 1.48%, UMBFP has a reasonable but not impressive dividend return.
Compared to an average industry Dividend Yield of 3.38, UMBFP is paying slightly less dividend.
Compared to the average S&P500 Dividend Yield of 2.30, UMBFP is paying slightly less dividend.
Industry RankSector Rank
Dividend Yield 1.48%

5.2 History

The dividend of UMBFP has a limited annual growth rate of 5.50%.
UMBFP does not have a reliable dividend history as it only pays dividend since a couple or years.
Dividend Growth(5Y)5.5%
Div Incr Years0
Div Non Decr Years0

5.3 Sustainability

UMBFP pays out 21.50% of its income as dividend. This is a sustainable payout ratio.
UMBFP's earnings are growing more than its dividend. This makes the dividend growth sustainable.
DP21.5%
EPS Next 2Y12.6%
EPS Next 3Y10.79%
UMBFP Yearly Income VS Free CF VS DividendUMBFP 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
UMBFP Dividend Payout.UMBFP Dividend Payout, showing the Payout Ratio.UMBFP Dividend Payout.PayoutRetained Earnings

More info and screens

UMB FINANCIAL CORP

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
Analysts81.25
Price Target31.25 (25%)
Short Float %0%
Short Ratio0.02
Dividend
Industry RankSector 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 RankSector 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
Profitability
Industry RankSector 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
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-Score4
Asset Turnover0.03
Health
Industry RankSector 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%