UMB FINANCIAL CORP (UMBF) Stock Fundamental Analysis
USA - NASDAQ:UMBF - US9027881088 - Common Stock
111.17 USD
-0.23 (-0.21%)
111.17 USD
0 (0%)
Taking everything into account, UMBF scores 4 out of 10 in our fundamental rating. UMBF was compared to 391 industry peers in the Banks industry. UMBF has a medium profitability rating, but doesn't score so well on its financial health evaluation. UMBF is not overvalued while it is showing excellent growth. This is an interesting combination.
1. Profitability
1.1 Basic Checks
UMBF had positive earnings in the past year.
UMBF had a positive operating cash flow in the past year.
Each year in the past 5 years UMBF has been profitable.
UMBF had a positive operating cash flow in each of the past 5 years.
1.2 Ratios
The Return On Assets of UMBF (0.73%) is comparable to the rest of the industry.
UMBF has a Return On Equity of 7.20%. This is comparable to the rest of the industry: UMBF outperforms 40.66% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 0.73% | ||
| ROE | 7.2% | ||
| 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
UMBF has a better Profit Margin (25.05%) than 60.10% of its industry peers.
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) | 25.05% | ||
| 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.
Compared to 1 year ago, UMBF has more shares outstanding
UMBF has less shares outstanding than it did 5 years ago.
The debt/assets ratio for UMBF has been reduced compared to a year ago.
2.2 Solvency
UMBF has a debt to FCF ratio of 5.39. This is a neutral value as UMBF would need 5.39 years to pay back of all of its debts.
UMBF's Debt to FCF ratio of 5.39 is on the low side compared to the rest of the industry. UMBF is outperformed by 70.33% of its industry peers.
UMBF has a Debt/Equity ratio of 0.49. This is a healthy value indicating a solid balance between debt and equity.
With a Debt to Equity ratio value of 0.49, UMBF is not doing good in the industry: 76.73% of the companies in the same industry are doing better.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.49 | ||
| Debt/FCF | 5.39 | ||
| Altman-Z | N/A |
ROIC/WACCN/A
WACC14.27%
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 impressive 21.94% 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 38.17% in the past year. This is a very strong growth!
The Revenue has been growing by 8.22% on average over the past years. This is quite good.
EPS 1Y (TTM)21.94%
EPS 3Y7.51%
EPS 5Y12.68%
EPS Q2Q%36.23%
Revenue 1Y (TTM)38.17%
Revenue growth 3Y8.29%
Revenue growth 5Y8.22%
Sales Q2Q%76.71%
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 12.69% on average per year.
Based on estimates for the next years, UMBF will show a very strong growth in Revenue. The Revenue will grow by 22.47% on average per year.
EPS Next Y6.3%
EPS Next 2Y13.26%
EPS Next 3Y12.69%
EPS Next 5YN/A
Revenue Next Year60.16%
Revenue Next 2Y31.43%
Revenue Next 3Y22.47%
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 11.76, the valuation of UMBF can be described as reasonable.
UMBF's Price/Earnings is on the same level as the industry average.
UMBF is valuated cheaply when we compare the Price/Earnings ratio to 27.67, which is the current average of the S&P500 Index.
Based on the Price/Forward Earnings ratio of 9.62, the valuation of UMBF can be described as reasonable.
The rest of the industry has a similar Price/Forward Earnings ratio as UMBF.
UMBF's Price/Forward Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 23.33.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 11.76 | ||
| Fwd PE | 9.62 |
4.2 Price Multiples
UMBF's Price/Free Cash Flow is on the same level as the industry average.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 12.68 | ||
| EV/EBITDA | N/A |
4.3 Compensation for Growth
The high PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates UMBF does not grow enough to justify the current Price/Earnings ratio.
A more expensive valuation may be justified as UMBF's earnings are expected to grow with 12.69% in the coming years.
PEG (NY)1.87
PEG (5Y)0.93
EPS Next 2Y13.26%
EPS Next 3Y12.69%
5. Dividend
5.1 Amount
UMBF has a Yearly Dividend Yield of 1.49%. Purely for dividend investing, there may be better candidates out there.
UMBF's Dividend Yield is slightly below the industry average, which is at 3.55.
UMBF's Dividend Yield is slightly below the S&P500 average, which is at 2.35.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 1.49% |
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 their dividend for at least 10 years, which is a reliable track record.
Dividend Growth(5Y)5.5%
Div Incr Years29
Div Non Decr Years29
5.3 Sustainability
19.28% of the earnings are spent on dividend by UMBF. This is a low number and sustainable payout ratio.
The dividend of UMBF is growing, but earnings are growing more, so the dividend growth is sustainable.
DP19.28%
EPS Next 2Y13.26%
EPS Next 3Y12.69%
111.17
-0.23 (-0.21%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)
Earnings (Next)
Inst Owners92.56%
Inst Owner Change-0.03%
Ins Owners5.51%
Ins Owner Change-0.41%
Market Cap8.44B
Revenue(TTM)2.09B
Net Income(TTM)524.34M
Analysts81.11
Price Target137.19 (23.41%)
Short Float %3.15%
Short Ratio4.07
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 1.49% |
Yearly Dividend1.58
Dividend Growth(5Y)5.5%
DP19.28%
Div Incr Years29
Div Non Decr Years29
Ex-Date
Surprises & Revisions
EPS beat(2)1
Avg EPS beat(2)1.04%
Min EPS beat(2)-13.34%
Max EPS beat(2)15.42%
EPS beat(4)3
Avg EPS beat(4)2.08%
Min EPS beat(4)-13.34%
Max EPS beat(4)15.42%
EPS beat(8)6
Avg EPS beat(8)3.05%
EPS beat(12)7
Avg EPS beat(12)0.19%
EPS beat(16)10
Avg EPS beat(16)4.2%
Revenue beat(2)1
Avg Revenue beat(2)2.37%
Min Revenue beat(2)-1.12%
Max Revenue beat(2)5.85%
Revenue beat(4)2
Avg Revenue beat(4)1.99%
Min Revenue beat(4)-1.12%
Max Revenue beat(4)5.85%
Revenue beat(8)4
Avg Revenue beat(8)1.22%
Revenue beat(12)4
Avg Revenue beat(12)-0.25%
Revenue beat(16)5
Avg Revenue beat(16)0.21%
PT rev (1m)1.13%
PT rev (3m)8.21%
EPS NQ rev (1m)0.84%
EPS NQ rev (3m)-1.8%
EPS NY rev (1m)-8.72%
EPS NY rev (3m)-6.31%
Revenue NQ rev (1m)0.11%
Revenue NQ rev (3m)1.95%
Revenue NY rev (1m)0.08%
Revenue NY rev (3m)2.57%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 11.76 | ||
| Fwd PE | 9.62 | ||
| P/S | 4.03 | ||
| P/FCF | 12.68 | ||
| P/OCF | 11.97 | ||
| P/B | 1.16 | ||
| P/tB | 1.71 | ||
| EV/EBITDA | N/A |
EPS(TTM)9.45
EY8.5%
EPS(NY)11.56
Fwd EY10.4%
FCF(TTM)8.77
FCFY7.89%
OCF(TTM)9.29
OCFY8.35%
SpS27.57
BVpS95.95
TBVpS65.08
PEG (NY)1.87
PEG (5Y)0.93
Graham Number142.84
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 0.73% | ||
| ROE | 7.2% | ||
| ROCE | N/A | ||
| ROIC | N/A | ||
| ROICexc | N/A | ||
| ROICexgc | N/A | ||
| OM | N/A | ||
| PM (TTM) | 25.05% | ||
| GM | N/A | ||
| FCFM | 31.8% |
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-Score5
Asset Turnover0.03
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.49 | ||
| Debt/FCF | 5.39 | ||
| Debt/EBITDA | N/A | ||
| Cap/Depr | 42.53% | ||
| Cap/Sales | 1.89% | ||
| Interest Coverage | N/A | ||
| Cash Conversion | N/A | ||
| Profit Quality | 126.94% | ||
| Current Ratio | N/A | ||
| Quick Ratio | N/A | ||
| Altman-Z | N/A |
F-Score5
WACC14.27%
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)21.94%
EPS 3Y7.51%
EPS 5Y12.68%
EPS Q2Q%36.23%
EPS Next Y6.3%
EPS Next 2Y13.26%
EPS Next 3Y12.69%
EPS Next 5YN/A
Revenue 1Y (TTM)38.17%
Revenue growth 3Y8.29%
Revenue growth 5Y8.22%
Sales Q2Q%76.71%
Revenue Next Year60.16%
Revenue Next 2Y31.43%
Revenue Next 3Y22.47%
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 1Y42.44%
FCF growth 3Y-26.21%
FCF growth 5Y-5.56%
OCF growth 1Y35.82%
OCF growth 3Y-25%
OCF growth 5Y-7.9%