UMB FINANCIAL CORP(NASDAQ:UMBF) stock Fundamental Analysis

Fundamental Rating

UMBF gets a fundamental rating of 3 out of 10. The analysis compared the fundamentals against 405 industry peers in the Banks industry. While UMBF is still in line with the averages on profitability rating, there are concerns on its financial health. UMBF has a correct valuation and a medium growth rate.

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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.

UMBF had positive earnings in 4 of the past 5 years.

Of the past 5 years UMBF 4 years had a positive operating cash flow.

1.2 Ratios

UMBF has a Return On Assets of 0.83%. This is comparable to the rest of the industry: UMBF outperforms 53.88% of its industry peers.

Looking at the Return On Equity, with a value of 11.09%, UMBF belongs to the top of the industry, outperforming 80.20% of the companies in the same industry.

		Industry Rank	Sector Rank
ROA	0.83%
ROE	11.09%
ROIC	N/A

ROA(3y)0.91%

ROA(5y)0.91%

ROE(3y)12.9%

ROE(5y)11.51%

ROIC(3y)N/A

ROIC(5y)N/A

1.3 Margins

With a decent Profit Margin value of 25.05%, UMBF is doing good in the industry, outperforming 62.41% of the companies in the same industry.

In the last couple of years the Profit Margin of UMBF has grown nicely.

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 3Y2.57%

PM growth 5Y4.39%

GM growth 3YN/A

GM growth 5YN/A

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ROA

ROE

ROIC

Operating and Profit Margin

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2. Health

2.1 Basic Checks

UMBF does not have a ROIC to compare to the WACC, probably because it is not profitable.

UMBF has no outstanding debt. Therefor its Debt/Equity and Debt/FCF ratios are 0 and belong to the best of the industry.

2.2 Solvency

The Debt to FCF ratio of UMBF is 8.93, which is on the high side as it means it would take UMBF, 8.93 years of fcf income to pay off all of its debts.

Looking at the Debt to FCF ratio, with a value of 8.93, UMBF is doing worse than 70.93% of the companies in the same industry.

A Debt/Equity ratio of 0.91 indicates that UMBF is somewhat dependend on debt financing.

Looking at the Debt to Equity ratio, with a value of 0.91, UMBF is doing worse than 85.96% of the companies in the same industry.

		Industry Rank	Sector Rank
Debt/Equity	0.91
Debt/FCF	8.93
Altman-Z	N/A

ROIC/WACCN/A

WACC12.46%

2.3 Liquidity

		Industry Rank	Sector Rank
Current Ratio	N/A
Quick Ratio	N/A

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WACC

Debt/Equity

How to determine the health of a company

Altman-Z score

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3. Growth

3.1 Past

The Earnings Per Share has grown by an impressive 25.49% 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.

EPS 1Y (TTM)25.49%

EPS 3Y7.51%

EPS 5Y12.68%

EPS Q2Q%68.28%

Revenue 1Y (TTM)N/A

Revenue growth 3YN/A

Revenue growth 5YN/A

Sales Q2Q%17.1%

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 11.22% on average per year.

UMBF is expected to show a strong growth in Revenue. In the coming years, the Revenue will grow by 21.48% yearly.

EPS Next Y6.43%

EPS Next 2Y13.05%

EPS Next 3Y11.22%

EPS Next 5YN/A

Revenue Next Year54.87%

Revenue Next 2Y30.04%

Revenue Next 3Y21.48%

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.

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4. Valuation

4.1 Price/Earnings Ratio

Based on the Price/Earnings ratio of 11.87, the valuation of UMBF can be described as reasonable.

Based on the Price/Earnings ratio, UMBF is valued a bit cheaper than the industry average as 61.40% of the companies are valued more expensively.

When comparing the Price/Earnings ratio of UMBF to the average of the S&P500 Index (29.63), we can say UMBF is valued rather cheaply.

A Price/Forward Earnings ratio of 11.15 indicates a reasonable valuation of UMBF.

UMBF's Price/Forward Earnings ratio is in line with the industry average.

Compared to an average S&P500 Price/Forward Earnings ratio of 22.68, UMBF is valued rather cheaply.

		Industry Rank	Sector Rank
PE	11.87
Fwd PE	11.15

4.2 Price Multiples

68.92% of the companies in the same industry are cheaper than UMBF, based on the Price/Free Cash Flow ratio.

		Industry Rank	Sector Rank
P/FCF	21.54
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.

PEG (NY)1.85

PEG (5Y)0.94

EPS Next 2Y13.05%

EPS Next 3Y11.22%

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5. Dividend

5.1 Amount

UMBF has a Yearly Dividend Yield of 1.46%. Purely for dividend investing, there may be better candidates out there.

UMBF's Dividend Yield is slightly below the industry average, which is at 3.18.

UMBF's Dividend Yield is slightly below the S&P500 average, which is at 2.27.

		Industry Rank	Sector Rank
Dividend Yield	1.46%

5.2 History

The dividend of UMBF has a limited annual growth rate of 5.48%.

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)5.48%

Div Incr Years29

Div Non Decr Years29

5.3 Sustainability

UMBF pays out 19.52% of its income as dividend. This is a sustainable payout ratio.

The dividend of UMBF is growing, but earnings are growing more, so the dividend growth is sustainable.

DP19.52%

EPS Next 2Y13.05%

EPS Next 3Y11.22%

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UMB FINANCIAL CORP

NASDAQ:UMBF (2/21/2025, 8:00:01 PM)

After market: 106.91 0 (0%)

106.91

-3.05 (-2.77%)

Chartmill FA Rating

GICS SectorFinancials

GICS IndustryGroupBanks

GICS IndustryBanks

Earnings (Last)01-28 2025-01-28/amc

Earnings (Next)04-28 2025-04-28/amc

Inst Owners71.82%

Inst Owner Change-84.96%

Ins Owners5.83%

Ins Owner Change13.36%

Market Cap7.74B

Analysts82.67

Price Target141.21 (32.08%)

Short Float %6.03%

Short Ratio6.09

Dividend

		Industry Rank	Sector Rank
Dividend Yield	1.46%

Yearly Dividend1.54

Dividend Growth(5Y)5.48%

DP19.52%

Div Incr Years29

Div Non Decr Years29

Ex-Date03-10 2025-03-10 (0.4)

Surprises & Revisions

EPS beat(2)2

Avg EPS beat(2)0.66%

Min EPS beat(2)0.32%

Max EPS beat(2)1.01%

EPS beat(4)3

Avg EPS beat(4)1.74%

Min EPS beat(4)-19.41%

Max EPS beat(4)25.03%

EPS beat(8)5

Avg EPS beat(8)1.47%

EPS beat(12)7

Avg EPS beat(12)4.45%

EPS beat(16)9

Avg EPS beat(16)2.95%

Revenue beat(2)0

Avg Revenue beat(2)-0.43%

Min Revenue beat(2)-0.67%

Max Revenue beat(2)-0.19%

Revenue beat(4)2

Avg Revenue beat(4)1.53%

Min Revenue beat(4)-0.67%

Max Revenue beat(4)6.2%

Revenue beat(8)2

Avg Revenue beat(8)-0.84%

Revenue beat(12)3

Avg Revenue beat(12)-0.11%

Revenue beat(16)5

Avg Revenue beat(16)1.31%

PT rev (1m)-0.32%

PT rev (3m)6.5%

EPS NQ rev (1m)0.25%

EPS NQ rev (3m)0.51%

EPS NY rev (1m)0.11%

EPS NY rev (3m)0.79%

Revenue NQ rev (1m)-0.11%

Revenue NQ rev (3m)-0.11%

Revenue NY rev (1m)0%

Revenue NY rev (3m)0%

Valuation

		Industry Rank	Sector Rank
PE	11.87
Fwd PE	11.15
P/S	4.94
P/FCF	21.54
P/OCF	20.52
P/B	2.19
P/tB	2.37
EV/EBITDA	N/A

EPS(TTM)9.01

EY8.43%

EPS(NY)9.59

Fwd EY8.97%

FCF(TTM)4.96

FCFY4.64%

OCF(TTM)5.21

OCFY4.87%

SpS21.62

BVpS48.83

TBVpS45.06

PEG (NY)1.85

PEG (5Y)0.94

Profitability

		Industry Rank	Sector Rank
ROA	0.83%
ROE	11.09%
ROCE	N/A
ROIC	N/A
ROICexc	N/A
ROICexgc	N/A
OM	N/A
PM (TTM)	25.05%
GM	N/A
FCFM	22.95%

ROA(3y)0.91%

ROA(5y)0.91%

ROE(3y)12.9%

ROE(5y)11.51%

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

ROICexcg growth 3YN/A

ROICexcg growth 5YN/A

ROICexc growth 3YN/A

ROICexc growth 5YN/A

OM growth 3YN/A

OM growth 5YN/A

PM growth 3Y2.57%

PM growth 5Y4.39%

GM growth 3YN/A

GM growth 5YN/A

F-Score5

Asset Turnover0.03

Health

		Industry Rank	Sector Rank
Debt/Equity	0.91
Debt/FCF	8.93
Debt/EBITDA	N/A
Cap/Depr	32.92%
Cap/Sales	1.14%
Interest Coverage	N/A
Cash Conversion	N/A
Profit Quality	91.63%
Current Ratio	N/A
Quick Ratio	N/A
Altman-Z	N/A

F-Score5

WACC12.46%

ROIC/WACCN/A

Cap/Depr(3y)67.36%

Cap/Depr(5y)85.27%

Cap/Sales(3y)2.66%

Cap/Sales(5y)3.85%

Profit Quality(3y)145.13%

Profit Quality(5y)130.93%

High Growth Momentum

Growth

EPS 1Y (TTM)25.49%

EPS 3Y7.51%

EPS 5Y12.68%

EPS Q2Q%68.28%

EPS Next Y6.43%

EPS Next 2Y13.05%

EPS Next 3Y11.22%

EPS Next 5YN/A

Revenue 1Y (TTM)N/A

Revenue growth 3YN/A

Revenue growth 5YN/A

Sales Q2Q%17.1%

Revenue Next Year54.87%

Revenue Next 2Y30.04%

Revenue Next 3Y21.48%

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-52.06%

FCF growth 3Y12.46%

FCF growth 5Y13.25%

OCF growth 1Y-52.67%

OCF growth 3Y8.15%

OCF growth 5Y9.73%

UMB FINANCIAL CORP (UMBF) Stock Fundamental Analysis

1. Profitability

1.1 Basic Checks

1.2 Ratios

1.3 Margins

More info and screens

2. Health

2.1 Basic Checks

2.2 Solvency

2.3 Liquidity

More info and screens

3. Growth

3.1 Past

3.2 Future

3.3 Evolution

More info and screens

4. Valuation

4.1 Price/Earnings Ratio

4.2 Price Multiples

4.3 Compensation for Growth

More info and screens

5. Dividend

5.1 Amount

5.2 History

5.3 Sustainability

More info and screens