UMB FINANCIAL CORP (UMBFP) Fundamental Analysis & Valuation

NASDAQ:UMBFP • US9027882078

Current stock price

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This UMBFP fundamental analysis includes valuation metrics, fair value assessment, financial health analysis, profitability trends, growth metrics and dividend sustainability analysis.

3

1. UMBFP Profitability Analysis

1.1 Basic Checks

  • UMBFP had positive earnings in the past year.
  • In the past year UMBFP had a positive cash flow from operations.
  • 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.
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 2016 2017 2018 2019 2020 2021 2022 2023 2024 200M 400M 600M

1.2 Ratios

  • UMBFP has a worse Return On Assets (0.59%) than 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 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 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.
  • UMBFP 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) 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 2016 2017 2018 2019 2020 2021 2022 2023 2024 5 10 15 20 25

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ROAROEROICOperating and Profit MarginShow most profitable peers

1

2. UMBFP Health Analysis

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
  • Compared to 1 year ago, UMBFP has an improved debt to assets ratio.
UMBFP Yearly Shares OutstandingUMBFP Yearly Shares OutstandingYearly Shares Outstanding 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 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's Debt to FCF ratio of 6.41 is on the low side compared to the rest of the industry. UMBFP is outperformed by 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 Debt to Equity ratio of 0.48. This is in the lower half of the industry: UMBFP underperforms 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 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 2016 2017 2018 2019 2020 2021 2022 2023 2024 1B 2B 3B 4B

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WACCDebt/EquityHow to determine the health of a companyAltman-Z scoreShow peers with great health

8

3. UMBFP Growth Analysis

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.
  • Measured over the past years, UMBFP shows a quite strong growth in Earnings Per Share. The EPS has been growing by 12.68% on average per year.
  • 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)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.
  • 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 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 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 2 4 6 8 10

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8

4. UMBFP Valuation Analysis

4.1 Price/Earnings Ratio

  • With a Price/Earnings ratio of 2.87, the valuation of UMBFP can be described as very cheap.
  • UMBFP's Price/Earnings ratio is rather cheap when compared to the industry. UMBFP is cheaper than 98.48% of the companies in the same industry.
  • Compared to an average S&P500 Price/Earnings ratio of 27.18, 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 (37.96), we can say UMBFP is valued rather cheaply.
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

  • 93.18% of the companies in the same industry are more expensive than UMBFP, based on the Price/Free Cash Flow ratio.
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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Price/EarningsPrice/FCFFCF per shareEV/EBITDAPEG RATIOShow best valued peers

3

5. UMBFP Dividend Analysis

5.1 Amount

  • With a Yearly Dividend Yield of 1.48%, UMBFP has a reasonable but not impressive dividend return.
  • UMBFP's Dividend Yield is slightly below the industry average, which is at 2.53.
  • UMBFP's Dividend Yield is comparable with the S&P500 average which is at 1.82.
Industry RankSector 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

  • UMBFP pays out 21.50% of its income as dividend. This is a 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 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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UMBFP Fundamentals: All Metrics, Ratios and Statistics

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
Earnings (Next)07-29
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 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
Graham NumberN/A
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
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 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%

UMB FINANCIAL CORP / UMBFP Fundamental Analysis 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.


How profitable is UMB FINANCIAL CORP (UMBFP) stock?

UMB FINANCIAL CORP (UMBFP) has a profitability rating of 3 / 10.


What is the financial health of UMB FINANCIAL CORP (UMBFP) stock?

The financial health rating of UMB FINANCIAL CORP (UMBFP) is 1 / 10.


Can you provide the expected EPS growth for UMBFP stock?

The Earnings per Share (EPS) of UMB FINANCIAL CORP (UMBFP) is expected to grow by 13.47% in the next year.