25 USD
0 (0%)
We assign a fundamental rating of 4 out of 10 to UMBFP. UMBFP was compared to 383 industry peers in the Banks industry. UMBFP may be in some trouble as it scores bad on both profitability and health. UMBFP has both an excellent growth and valuation score. This means it is growing and it is still cheap. This is a rare combination!
1. Profitability
1.1 Basic Checks
- In the past year UMBFP was profitable.
- In the past year UMBFP had a positive cash flow from operations.
- UMBFP had positive earnings in each of the past 5 years.
- In the past 5 years UMBFP always reported a positive cash flow from operatings.
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.
- UMBFP's Return On Equity of 6.08% is on the low side compared to the rest of the industry. UMBFP is outperformed by 69.19% 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
- UMBFP has a Profit Margin of 22.87%. This is comparable to the rest of the industry: UMBFP outperforms 45.96% of 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 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
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.
- The number of shares outstanding for UMBFP has been reduced compared to 5 years ago.
- The debt/assets ratio for UMBFP has been reduced compared to a year ago.
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 Debt to FCF ratio of 6.41. This is in the lower half of the industry: UMBFP underperforms 72.73% of its industry peers.
- A Debt/Equity ratio of 0.48 indicates that UMBFP is not too dependend on debt financing.
- 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 78.03% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.48 | ||
| Debt/FCF | 6.41 | ||
| Altman-Z | N/A |
ROIC/WACCN/A
WACC22.49%
2.3 Liquidity
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | N/A | ||
| Quick Ratio | N/A |
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.
- 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
- Based on estimates for the next years, UMBFP will show a quite strong growth in Earnings Per Share. The EPS will grow by 10.79% on average per year.
- 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
- 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.
4. Valuation
4.1 Price/Earnings Ratio
- Based on the Price/Earnings ratio of 2.87, the valuation of UMBFP can be described as very cheap.
- Based on the Price/Earnings ratio, UMBFP is valued cheaper than 98.48% of the companies in the same industry.
- When comparing the Price/Earnings ratio of UMBFP to the average of the S&P500 Index (27.32), we can say 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.
- 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.
- UMBFP is valuated cheaply when we compare the Price/Forward Earnings ratio to 24.30, which is the current average of the S&P500 Index.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 2.87 | ||
| Fwd PE | 2.19 |
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 Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 3.78 | ||
| 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)0.21
PEG (5Y)0.23
EPS Next 2Y12.6%
EPS Next 3Y10.79%
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 2.91.
- UMBFP's Dividend Yield is slightly below the S&P500 average, which is at 1.86.
| Industry Rank | Sector 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%
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
Revenue(TTM)1.79B
Net Income(TTM)410.31M
Analysts81.25
Price Target31.25 (25%)
Short Float %N/A
Short RatioN/A
Dividend
| Industry Rank | Sector 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 Rank | Sector 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 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
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 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
WACC22.49%
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%.