UMBFP Fundamental Analysis - UMB FINANCIAL CORP

Fundamental Rating

We assign a fundamental rating of 4 out of 10 to UMBFP. UMBFP was compared to 395 industry peers in the Banks industry. Both the profitability and financial health of UMBFP have multiple concerns. UMBFP is growing strongly while it also seems undervalued. This is an interesting combination

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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.

UMBFP had positive earnings in each of the past 5 years.

UMBFP had a positive operating cash flow in each of the past 5 years.

1.2 Ratios

UMBFP has a worse Return On Assets (0.59%) than 69.37% of its industry peers.

UMBFP has a worse Return On Equity (6.08%) than 70.13% of its industry peers.

		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

Looking at the Profit Margin, with a value of 22.87%, UMBFP is in line with its industry, outperforming 45.57% of the companies in the same industry.

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 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

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ROA

ROE

ROIC

Operating and Profit Margin

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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.

Compared to 1 year ago, UMBFP has an improved debt to assets ratio.

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 worse Debt to FCF ratio (6.41) than 73.92% 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.

UMBFP's Debt to Equity ratio of 0.48 is on the low side compared to the rest of the industry. UMBFP is outperformed by 78.23% of its industry peers.

		Industry Rank	Sector Rank
Debt/Equity	0.48
Debt/FCF	6.41
Altman-Z	N/A

ROIC/WACCN/A

WACC22.83%

2.3 Liquidity

		Industry Rank	Sector Rank
Current Ratio	N/A
Quick Ratio	N/A

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WACC

Debt/Equity

How to determine the health of a company

Altman-Z score

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3. Growth

3.1 Past

UMBFP shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 24.04%, which is quite impressive.

UMBFP shows quite a strong growth in Earnings Per Share. Measured over the last years, the EPS has been growing by 12.68% yearly.

The Revenue has grown by 20.51% in the past year. This is a very strong growth!

Measured over the past years, UMBFP shows a quite strong growth in Revenue. The Revenue has been growing by 8.22% on average per year.

EPS 1Y (TTM)24.04%

EPS 3Y7.51%

EPS 5Y12.68%

EPS Q2Q%14.67%

Revenue 1Y (TTM)20.51%

Revenue growth 3Y8.29%

Revenue growth 5Y8.22%

Sales Q2Q%41.43%

3.2 Future

Based on estimates for the next years, UMBFP will show a quite strong growth in Earnings Per Share. The EPS will grow by 10.91% on average per year.

The Revenue is expected to grow by 21.16% on average over the next years. This is a very strong growth

EPS Next Y13.72%

EPS Next 2Y12.86%

EPS Next 3Y10.91%

EPS Next 5YN/A

Revenue Next Year56.08%

Revenue Next 2Y29.66%

Revenue Next 3Y21.16%

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.

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4. Valuation

4.1 Price/Earnings Ratio

With a Price/Earnings ratio of 2.71, the valuation of UMBFP can be described as very cheap.

Based on the Price/Earnings ratio, UMBFP is valued cheaper than 98.73% of the companies in the same industry.

The average S&P500 Price/Earnings ratio is at 26.34. UMBFP is valued rather cheaply when compared to this.

A Price/Forward Earnings ratio of 2.21 indicates a rather cheap valuation of UMBFP.

Based on the Price/Forward Earnings ratio, UMBFP is valued cheaply inside the industry as 99.49% of the companies are valued more expensively.

The average S&P500 Price/Forward Earnings ratio is at 22.19. UMBFP is valued rather cheaply when compared to this.

		Industry Rank	Sector Rank
PE	2.71
Fwd PE	2.21

4.2 Price Multiples

UMBFP's Price/Free Cash Flow ratio is rather cheap when compared to the industry. UMBFP is cheaper than 93.16% of the companies in the same industry.

		Industry Rank	Sector Rank
P/FCF	3.84
EV/EBITDA	N/A

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)0.2

PEG (5Y)0.21

EPS Next 2Y12.86%

EPS Next 3Y10.91%

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5. Dividend

5.1 Amount

UMBFP has a Yearly Dividend Yield of 1.55%. Purely for dividend investing, there may be better candidates out there.

Compared to an average industry Dividend Yield of 3.46, UMBFP is paying slightly less dividend.

UMBFP's Dividend Yield is slightly below the S&P500 average, which is at 2.40.

		Industry Rank	Sector Rank
Dividend Yield	1.55%

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.

UMBFP's earnings are growing more than its dividend. This makes the dividend growth sustainable.

DP21.5%

EPS Next 2Y12.86%

EPS Next 3Y10.91%

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UMB FINANCIAL CORP

NASDAQ:UMBFP (6/18/2025, 8:00:01 PM)

25.34

+0.01 (+0.04%)

Chartmill FA Rating

GICS SectorFinancials

GICS IndustryGroupBanks

GICS IndustryBanks

Earnings (Last)04-29 2025-04-29/amc

Earnings (Next)07-28 2025-07-28/amc

Inst Owners88.88%

Inst Owner ChangeN/A

Ins Owners5.52%

Ins Owner ChangeN/A

Market Cap1.92B

Analysts81.25

Price Target30.06 (18.63%)

Short Float %0%

Short Ratio0.12

Dividend

		Industry Rank	Sector Rank
Dividend Yield	1.55%

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)2

Avg EPS beat(2)10.59%

Min EPS beat(2)5.94%

Max EPS beat(2)15.25%

EPS beat(4)4

Avg EPS beat(4)5.63%

Min EPS beat(4)0.32%

Max EPS beat(4)15.25%

EPS beat(8)6

Avg EPS beat(8)3.97%

EPS beat(12)8

Avg EPS beat(12)5.15%

EPS beat(16)10

Avg EPS beat(16)4.94%

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)-1.71%

PT rev (3m)-6.69%

EPS NQ rev (1m)-0.13%

EPS NQ rev (3m)4.6%

EPS NY rev (1m)0%

EPS NY rev (3m)6.85%

Revenue NQ rev (1m)0%

Revenue NQ rev (3m)1.16%

Revenue NY rev (1m)0.04%

Revenue NY rev (3m)0.83%

Valuation

		Industry Rank	Sector Rank
PE	2.71
Fwd PE	2.21
P/S	1.07
P/FCF	3.84
P/OCF	3.62
P/B	0.29
P/tB	0.44
EV/EBITDA	N/A

EPS(TTM)9.34

EY36.86%

EPS(NY)11.48

Fwd EY45.29%

FCF(TTM)6.61

FCFY26.07%

OCF(TTM)7.01

OCFY27.66%

SpS23.63

BVpS88.89

TBVpS57.86

PEG (NY)0.2

PEG (5Y)0.21

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

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 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

WACC22.83%

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)24.04%

EPS 3Y7.51%

EPS 5Y12.68%

EPS Q2Q%14.67%

EPS Next Y13.72%

EPS Next 2Y12.86%

EPS Next 3Y10.91%

EPS Next 5YN/A

Revenue 1Y (TTM)20.51%

Revenue growth 3Y8.29%

Revenue growth 5Y8.22%

Sales Q2Q%41.43%

Revenue Next Year56.08%

Revenue Next 2Y29.66%

Revenue Next 3Y21.16%

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) Stock Fundamental Analysis

1. Profitability

1.1 Basic Checks

1.2 Ratios

1.3 Margins

More info and screens

2. Health

2.1 Basic Checks

2.2 Solvency

2.3 Liquidity

More info and screens

3. Growth

3.1 Past

3.2 Future

3.3 Evolution

More info and screens

4. Valuation

4.1 Price/Earnings Ratio

4.2 Price Multiples

4.3 Compensation for Growth

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5. Dividend

5.1 Amount

5.2 History

5.3 Sustainability

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