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UMB FINANCIAL CORP (UMBFP) Stock Fundamental Analysis

NASDAQ:UMBFP - Nasdaq - US9027882078 - Currency: USD

25  0 (0%)

Fundamental Rating

4

Taking everything into account, UMBFP scores 4 out of 10 in our fundamental rating. UMBFP was compared to 396 industry peers in the Banks industry. UMBFP has a bad profitability rating. Also its financial health evaluation is rather negative. UMBFP is evaluated to be cheap and growing strongly. This does not happen too often!


Dividend Valuation Growth Profitability Health

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3

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.
Each year in the past 5 years UMBFP had a positive operating cash flow.
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

Looking at the Return On Assets, with a value of 0.59%, UMBFP is doing worse than 68.94% of the companies in the same industry.
UMBFP has a Return On Equity of 6.08%. This is in the lower half of the industry: UMBFP underperforms 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's Profit Margin of 22.87% is in line compared 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 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

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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.
Compared to 5 years ago, UMBFP has less shares outstanding
UMBFP has a better debt/assets ratio than last year.
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

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 72.73% of its industry peers.
A Debt/Equity ratio of 0.48 indicates that UMBFP is not too dependend on debt financing.
UMBFP has a worse Debt to Equity ratio (0.48) than 78.03% of its industry peers.
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

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8

3. Growth

3.1 Past

The Earnings Per Share has grown by an nice 15.54% over the past year.
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

The Earnings Per Share is expected to grow by 10.79% on average over the next years. This is quite good.
Based on estimates for the next years, UMBFP will show a very strong growth in Revenue. The Revenue will grow by 21.21% on average per year.
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

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8

4. Valuation

4.1 Price/Earnings Ratio

With a Price/Earnings ratio of 2.87, the valuation of UMBFP can be described as very cheap.
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.
The average S&P500 Price/Earnings ratio is at 28.04. UMBFP is valued rather cheaply when compared to this.
Based on the Price/Forward Earnings ratio of 2.19, the valuation of UMBFP can be described as very cheap.
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 37.64.
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

UMBFP's Price/Free Cash Flow ratio is rather cheap when compared to the industry. UMBFP is cheaper than 93.18% of the companies in the same industry.
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%

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3

5. Dividend

5.1 Amount

UMBFP has a Yearly Dividend Yield of 1.48%.
UMBFP's Dividend Yield is slightly below the industry average, which is at 3.36.
UMBFP's Dividend Yield is slightly below the S&P500 average, which is at 2.31.
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

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%
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

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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%