UMB FINANCIAL CORP (UMBF) Stock Fundamental Analysis
USA - NASDAQ:UMBF - US9027881088 - Common Stock
104.17 USD
+0.18 (+0.17%)
104.17 USD
0 (0%)
Taking everything into account, UMBF scores 4 out of 10 in our fundamental rating. UMBF was compared to 388 industry peers in the Banks industry. UMBF may be in some trouble as it scores bad on both profitability and health. UMBF is not priced too expensively while it is growing strongly. Keep and eye on this one!
1. Profitability
1.1 Basic Checks
In the past year UMBF was profitable.
In the past year UMBF had a positive cash flow from operations.
In the past 5 years UMBF has always been profitable.
Each year in the past 5 years UMBF had a positive operating cash flow.
1.2 Ratios
UMBF has a Return On Assets (0.83%) which is comparable to the rest of the industry.
The Return On Equity of UMBF (7.99%) is comparable to the rest of the industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 0.83% | ||
| ROE | 7.99% | ||
| 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
The Profit Margin of UMBF (25.16%) is comparable to the rest of the industry.
UMBF's Profit Margin has improved in the last couple of years.
The Operating Margin and Gross Margin are not available for UMBF so they could not be analyzed.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| OM | N/A | ||
| PM (TTM) | 25.16% | ||
| 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
UMBF does not have a ROIC to compare to the WACC, probably because it is not profitable.
The number of shares outstanding for UMBF has been increased compared to 1 year ago.
Compared to 5 years ago, UMBF has less shares outstanding
The debt/assets ratio for UMBF has been reduced compared to a year ago.
2.2 Solvency
The Debt to FCF ratio of UMBF is 4.11, which is a neutral value as it means it would take UMBF, 4.11 years of fcf income to pay off all of its debts.
UMBF has a Debt to FCF ratio of 4.11. This is in the lower half of the industry: UMBF underperforms 64.43% of its industry peers.
UMBF has a Debt/Equity ratio of 0.44. This is a healthy value indicating a solid balance between debt and equity.
UMBF has a Debt to Equity ratio of 0.44. This is in the lower half of the industry: UMBF underperforms 75.52% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.44 | ||
| Debt/FCF | 4.11 | ||
| Altman-Z | N/A |
ROIC/WACCN/A
WACC14.57%
2.3 Liquidity
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | N/A | ||
| Quick Ratio | N/A |
3. Growth
3.1 Past
The Earnings Per Share has grown by an nice 19.20% over the past year.
Measured over the past years, UMBF 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 51.10% in the past year. This is a very strong growth!
Measured over the past years, UMBF shows a quite strong growth in Revenue. The Revenue has been growing by 8.22% on average per year.
EPS 1Y (TTM)19.2%
EPS 3Y7.51%
EPS 5Y12.68%
EPS Q2Q%4.89%
Revenue 1Y (TTM)51.1%
Revenue growth 3Y8.29%
Revenue growth 5Y8.22%
Sales Q2Q%67.03%
3.2 Future
Based on estimates for the next years, UMBF will show a quite strong growth in Earnings Per Share. The EPS will grow by 12.65% on average per year.
UMBF is expected to show a strong growth in Revenue. In the coming years, the Revenue will grow by 22.88% yearly.
EPS Next Y5.77%
EPS Next 2Y13.93%
EPS Next 3Y12.65%
EPS Next 5YN/A
Revenue Next Year60.95%
Revenue Next 2Y31.76%
Revenue Next 3Y22.88%
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.
4. Valuation
4.1 Price/Earnings Ratio
UMBF is valuated reasonably with a Price/Earnings ratio of 10.90.
UMBF's Price/Earnings ratio is in line with the industry average.
When comparing the Price/Earnings ratio of UMBF to the average of the S&P500 Index (25.51), we can say UMBF is valued rather cheaply.
With a Price/Forward Earnings ratio of 8.91, the valuation of UMBF can be described as very reasonable.
Based on the Price/Forward Earnings ratio, UMBF is valued a bit cheaper than the industry average as 63.40% of the companies are valued more expensively.
Compared to an average S&P500 Price/Forward Earnings ratio of 34.98, UMBF is valued rather cheaply.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 10.9 | ||
| Fwd PE | 8.91 |
4.2 Price Multiples
63.14% of the companies in the same industry are more expensive than UMBF, based on the Price/Free Cash Flow ratio.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 9.82 | ||
| EV/EBITDA | N/A |
4.3 Compensation for Growth
The high PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates an expensive valuation of the company.
A more expensive valuation may be justified as UMBF's earnings are expected to grow with 12.65% in the coming years.
PEG (NY)1.89
PEG (5Y)0.86
EPS Next 2Y13.93%
EPS Next 3Y12.65%
5. Dividend
5.1 Amount
UMBF has a Yearly Dividend Yield of 1.58%. Purely for dividend investing, there may be better candidates out there.
UMBF's Dividend Yield is slightly below the industry average, which is at 3.39.
Compared to the average S&P500 Dividend Yield of 2.44, UMBF is paying slightly less dividend.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 1.58% |
5.2 History
The dividend of UMBF has a limited annual growth rate of 5.50%.
UMBF has paid a dividend for at least 10 years, which is a reliable track record.
UMBF has not decreased its dividend for at least 10 years, so it has a reliable track record of non decreasing dividend.
Dividend Growth(5Y)5.5%
Div Incr Years29
Div Non Decr Years29
5.3 Sustainability
19.25% of the earnings are spent on dividend by UMBF. This is a low number and sustainable payout ratio.
UMBF's earnings are growing more than its dividend. This makes the dividend growth sustainable.
DP19.25%
EPS Next 2Y13.93%
EPS Next 3Y12.65%
104.17
+0.18 (+0.17%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)
Earnings (Next)
Inst Owners92.56%
Inst Owner Change2.09%
Ins Owners5.51%
Ins Owner Change-0.38%
Market Cap7.91B
Revenue(TTM)2.37B
Net Income(TTM)595.07M
Analysts81.05
Price Target141.7 (36.03%)
Short Float %3.5%
Short Ratio5.33
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 1.58% |
Yearly Dividend1.58
Dividend Growth(5Y)5.5%
DP19.25%
Div Incr Years29
Div Non Decr Years29
Ex-Date
Surprises & Revisions
EPS beat(2)1
Avg EPS beat(2)4.94%
Min EPS beat(2)-5.54%
Max EPS beat(2)15.42%
EPS beat(4)2
Avg EPS beat(4)0.62%
Min EPS beat(4)-13.34%
Max EPS beat(4)15.42%
EPS beat(8)5
Avg EPS beat(8)1.18%
EPS beat(12)7
Avg EPS beat(12)1.19%
EPS beat(16)9
Avg EPS beat(16)3.49%
Revenue beat(2)2
Avg Revenue beat(2)3.16%
Min Revenue beat(2)0.48%
Max Revenue beat(2)5.85%
Revenue beat(4)3
Avg Revenue beat(4)2.16%
Min Revenue beat(4)-1.12%
Max Revenue beat(4)5.85%
Revenue beat(8)5
Avg Revenue beat(8)1.85%
Revenue beat(12)5
Avg Revenue beat(12)0.16%
Revenue beat(16)6
Avg Revenue beat(16)0.45%
PT rev (1m)3.29%
PT rev (3m)5.61%
EPS NQ rev (1m)5.31%
EPS NQ rev (3m)-0.75%
EPS NY rev (1m)-0.5%
EPS NY rev (3m)-6.78%
Revenue NQ rev (1m)0.92%
Revenue NQ rev (3m)0.47%
Revenue NY rev (1m)0.49%
Revenue NY rev (3m)3.04%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 10.9 | ||
| Fwd PE | 8.91 | ||
| P/S | 3.34 | ||
| P/FCF | 9.82 | ||
| P/OCF | 9.26 | ||
| P/B | 1.06 | ||
| P/tB | 1.55 | ||
| EV/EBITDA | N/A |
EPS(TTM)9.56
EY9.18%
EPS(NY)11.69
Fwd EY11.23%
FCF(TTM)10.61
FCFY10.19%
OCF(TTM)11.24
OCFY10.79%
SpS31.15
BVpS98.04
TBVpS67.13
PEG (NY)1.89
PEG (5Y)0.86
Graham Number145.22
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 0.83% | ||
| ROE | 7.99% | ||
| ROCE | N/A | ||
| ROIC | N/A | ||
| ROICexc | N/A | ||
| ROICexgc | N/A | ||
| OM | N/A | ||
| PM (TTM) | 25.16% | ||
| GM | N/A | ||
| FCFM | 34.06% |
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-Score7
Asset Turnover0.03
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.44 | ||
| Debt/FCF | 4.11 | ||
| Debt/EBITDA | N/A | ||
| Cap/Depr | 41% | ||
| Cap/Sales | 2.03% | ||
| Interest Coverage | N/A | ||
| Cash Conversion | N/A | ||
| Profit Quality | 135.4% | ||
| Current Ratio | N/A | ||
| Quick Ratio | N/A | ||
| Altman-Z | N/A |
F-Score7
WACC14.57%
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)19.2%
EPS 3Y7.51%
EPS 5Y12.68%
EPS Q2Q%4.89%
EPS Next Y5.77%
EPS Next 2Y13.93%
EPS Next 3Y12.65%
EPS Next 5YN/A
Revenue 1Y (TTM)51.1%
Revenue growth 3Y8.29%
Revenue growth 5Y8.22%
Sales Q2Q%67.03%
Revenue Next Year60.95%
Revenue Next 2Y31.76%
Revenue Next 3Y22.88%
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 1Y63.9%
FCF growth 3Y-26.21%
FCF growth 5Y-5.56%
OCF growth 1Y60.45%
OCF growth 3Y-25%
OCF growth 5Y-7.9%
UMB FINANCIAL CORP / UMBF FAQ
Can you provide the ChartMill fundamental rating for UMB FINANCIAL CORP?
ChartMill assigns a fundamental rating of 4 / 10 to UMBF.
What is the valuation status for UMBF stock?
ChartMill assigns a valuation rating of 5 / 10 to UMB FINANCIAL CORP (UMBF). This can be considered as Fairly Valued.
What is the profitability of UMBF stock?
UMB FINANCIAL CORP (UMBF) has a profitability rating of 3 / 10.
Can you provide the financial health for UMBF stock?
The financial health rating of UMB FINANCIAL CORP (UMBF) is 2 / 10.
What is the expected EPS growth for UMB FINANCIAL CORP (UMBF) stock?
The Earnings per Share (EPS) of UMB FINANCIAL CORP (UMBF) is expected to grow by 5.77% in the next year.