UMB FINANCIAL CORP (UMBFP) Stock Fundamental Analysis

NASDAQ:UMBFP • US9027882078

25 USD
0 (0%)
Last: Jul 14, 2025, 08:10 PM
Overview Stock Chart Technical Analysis Fundamental Analysis Analyst Ratings Earnings Estimates Financials Ownership News
Fundamental Rating

4

Overall UMBFP gets a fundamental rating of 4 out of 10. We evaluated UMBFP against 381 industry peers in the Banks industry. Both the profitability and financial health of UMBFP have multiple concerns. An interesting combination arises when we look at growth and value: UMBFP is growing strongly while it also seems undervalued.


Dividend Valuation Growth Profitability Health

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 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 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.
  • 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. 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
  • UMBFP has less shares outstanding than it did 5 years ago.
  • UMBFP has a better debt/assets ratio than last year.
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

  • 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.
  • UMBFP has a worse Debt to FCF ratio (6.41) than 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.
  • 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. 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.
  • UMBFP shows a strong growth in Revenue. In the last year, the Revenue has grown by 20.51%.
  • The Revenue has been growing by 8.22% on average over the past years. This is quite good.
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.
  • The Revenue is expected to grow by 21.21% on average over the next years. This is a very strong growth
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.
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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Find the best growth stocksShow best growing peers

8

4. Valuation

4.1 Price/Earnings Ratio

  • The Price/Earnings ratio is 2.87, which indicates a rather cheap valuation of UMBFP.
  • Based on the Price/Earnings ratio, UMBFP is valued cheaper than 98.48% of the companies in the same industry.
  • Compared to an average S&P500 Price/Earnings ratio of 26.99, UMBFP is valued rather cheaply.
  • Based on the Price/Forward Earnings ratio of 2.19, the valuation of UMBFP can be described as very cheap.
  • Based on the Price/Forward Earnings ratio, UMBFP is valued cheaply inside the industry as 98.99% of the companies are valued more expensively.
  • Compared to an average S&P500 Price/Forward Earnings ratio of 28.06, 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 5 10 15 20 25

4.2 Price Multiples

  • Compared to the rest of the industry, the Price/Free Cash Flow ratio of UMBFP indicates a rather cheap valuation: UMBFP is cheaper than 93.18% of the companies listed 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

  • 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%

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Price/EarningsPrice/FCFFCF per shareEV/EBITDAPEG RATIOShow best valued peers

3

5. Dividend

5.1 Amount

  • UMBFP has a Yearly Dividend Yield of 1.48%. Purely for dividend investing, there may be better candidates out there.
  • UMBFP's Dividend Yield is slightly below the industry average, which is at 2.79.
  • UMBFP's Dividend Yield is comparable with the S&P500 average which is at 1.81.
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.
  • 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 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
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 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%.