UMB FINANCIAL CORP (UMBF) Stock Fundamental Analysis

NASDAQ:UMBF • US9027881088

117.74 USD
+0.09 (+0.08%)
At close: Mar 3, 2026
117.74 USD
0 (0%)
After Hours: 3/3/2026, 4:53:12 PM
Overview Stock Chart Technical Analysis Fundamental Analysis Analyst Ratings Earnings Estimates Financials Ownership News
Fundamental Rating

4

Taking everything into account, UMBF scores 4 out of 10 in our fundamental rating. UMBF was compared to 379 industry peers in the Banks industry. Both the profitability and financial health of UMBF have multiple concerns. UMBF has a decent growth rate and is not valued too expensively.


Dividend Valuation Growth Profitability Health

3

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 each of the past 5 years.
  • UMBF had a positive operating cash flow in 4 of the past 5 years.
UMBF Yearly Net Income VS EBIT VS OCF VS FCFUMBF 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 2025 200M 400M 600M

1.2 Ratios

  • With a Return On Assets value of 0.83%, UMBF perfoms like the industry average, outperforming 41.69% of the companies in the same industry.
  • UMBF has a Return On Equity of 7.99%. This is comparable to the rest of the industry: UMBF outperforms 40.37% of its industry peers.
Industry RankSector Rank
ROA 0.83%
ROE 7.99%
ROIC N/A
ROA(3y)0.87%
ROA(5y)0.91%
ROE(3y)10.97%
ROE(5y)12.07%
ROIC(3y)N/A
ROIC(5y)N/A
UMBF Yearly ROA, ROE, ROICUMBF Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 5 10 15

1.3 Margins

  • UMBF has a Profit Margin of 25.16%. This is comparable to the rest of the industry: UMBF outperforms 53.30% of its industry peers.
  • 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 RankSector Rank
OM N/A
PM (TTM) 25.16%
GM N/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y-4.25%
PM growth 5Y3.08%
GM growth 3YN/A
GM growth 5YN/A
UMBF Yearly Profit, Operating, Gross MarginsUMBF Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 5 10 15 20 25

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ROAROEROICOperating and Profit MarginShow most profitable peers

1

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
  • The number of shares outstanding for UMBF has been increased compared to 5 years ago.
  • Compared to 1 year ago, UMBF has an improved debt to assets ratio.
UMBF Yearly Shares OutstandingUMBF Yearly Shares OutstandingYearly Shares Outstanding 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 20M 40M 60M
UMBF Yearly Total Debt VS Total AssetsUMBF Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 20B 40B 60B

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.
  • The Debt to FCF ratio of UMBF (4.11) is worse than 67.55% of its industry peers.
  • A Debt/Equity ratio of 0.44 indicates that UMBF is not too dependend on debt financing.
  • UMBF's Debt to Equity ratio of 0.44 is on the low side compared to the rest of the industry. UMBF is outperformed by 74.14% of its industry peers.
Industry RankSector Rank
Debt/Equity 0.44
Debt/FCF 4.11
Altman-Z N/A
ROIC/WACCN/A
WACC14.04%
UMBF Yearly LT Debt VS Equity VS FCFUMBF Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2B 4B 6B

2.3 Liquidity

Industry RankSector Rank
Current Ratio N/A
Quick Ratio N/A
UMBF Yearly Current Assets VS Current LiabilitesUMBF Yearly Current Assets VS Current LiabilitesYearly Current Assets VS Current Liabilites 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 1B 2B 3B 4B

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WACCDebt/EquityHow to determine the health of a companyAltman-Z scoreShow peers with great health

6

3. Growth

3.1 Past

  • UMBF shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 9.43%, which is quite good.
  • Measured over the past years, UMBF shows a quite strong growth in Earnings Per Share. The EPS has been growing by 19.18% on average per year.
  • Looking at the last year, UMBF shows a very strong growth in Revenue. The Revenue has grown by 62.81%.
  • UMBF shows quite a strong growth in Revenue. Measured over the last years, the Revenue has been growing by 15.48% yearly.
EPS 1Y (TTM)9.43%
EPS 3Y3.59%
EPS 5Y19.18%
EPS Q2Q%12.3%
Revenue 1Y (TTM)62.81%
Revenue growth 3Y21.8%
Revenue growth 5Y15.48%
Sales Q2Q%66.03%

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 13.87% on average per year.
  • UMBF is expected to show a small growth in Revenue. In the coming years, the Revenue will grow by 7.30% yearly.
EPS Next Y23.9%
EPS Next 2Y16.68%
EPS Next 3Y13.87%
EPS Next 5YN/A
Revenue Next Year10.76%
Revenue Next 2Y8.59%
Revenue Next 3Y7.3%
Revenue Next 5YN/A

3.3 Evolution

  • Although the future EPS growth is still strong, it is not able to hold up the even more excellent growth rate of the past years.
  • The Revenue growth rate is decreasing: in the next years the growth will be less than in the last years.
UMBF Yearly Revenue VS EstimatesUMBF Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 2028 1B 2B 3B
UMBF Yearly EPS VS EstimatesUMBF Yearly EPS VS EstimatesYearly EPS VS Estimates 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 2028 5 10

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Find the best growth stocksShow best growing peers

6

4. Valuation

4.1 Price/Earnings Ratio

  • The Price/Earnings ratio is 11.94, which indicates a very decent valuation of UMBF.
  • The rest of the industry has a similar Price/Earnings ratio as UMBF.
  • UMBF is valuated cheaply when we compare the Price/Earnings ratio to 26.83, which is the current average of the S&P500 Index.
  • Based on the Price/Forward Earnings ratio of 9.64, the valuation of UMBF can be described as reasonable.
  • Based on the Price/Forward Earnings ratio, UMBF is valued a bit cheaper than 67.28% of the companies in the same industry.
  • The average S&P500 Price/Forward Earnings ratio is at 24.95. UMBF is valued rather cheaply when compared to this.
Industry RankSector Rank
PE 11.94
Fwd PE 9.64
UMBF Price Earnings VS Forward Price EarningsUMBF Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 5 10 15 20 25

4.2 Price Multiples

  • Based on the Price/Free Cash Flow ratio, UMBF is valued a bit cheaper than the industry average as 62.80% of the companies are valued more expensively.
Industry RankSector Rank
P/FCF 11.1
EV/EBITDA N/A
UMBF Per share dataUMBF EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 20 40 60 80

4.3 Compensation for Growth

  • UMBF's low PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a rather cheap valuation of the company.
  • UMBF's earnings are expected to grow with 13.87% in the coming years. This may justify a more expensive valuation.
PEG (NY)0.5
PEG (5Y)0.62
EPS Next 2Y16.68%
EPS Next 3Y13.87%

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

5

5. Dividend

5.1 Amount

  • UMBF has a Yearly Dividend Yield of 1.39%.
  • Compared to an average industry Dividend Yield of 2.72, UMBF is paying slightly less dividend.
  • UMBF's Dividend Yield is slightly below the S&P500 average, which is at 1.82.
Industry RankSector Rank
Dividend Yield 1.39%

5.2 History

  • The dividend of UMBF has a limited annual growth rate of 5.50%.
  • UMBF has been paying a dividend for at least 10 years, so it has 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
UMBF Yearly Dividends per shareUMBF Yearly Dividends per shareYearly Dividends per share 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 0.5 1 1.5

5.3 Sustainability

  • UMBF pays out 19.25% of its income as dividend. This is a sustainable payout ratio.
  • UMBF's earnings are growing more than its dividend. This makes the dividend growth sustainable.
DP19.25%
EPS Next 2Y16.68%
EPS Next 3Y13.87%
UMBF Yearly Income VS Free CF VS DividendUMBF Yearly Income VS Free CF VS DividendYearly Income VS Free CF VS Dividend 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 200M 400M 600M
UMBF Dividend Payout.UMBF Dividend Payout, showing the Payout Ratio.UMBF Dividend Payout.PayoutRetained Earnings

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Find the best dividend stocksShow peers with best dividend

UMB FINANCIAL CORP

NASDAQ:UMBF (3/3/2026, 4:53:12 PM)

After market: 117.74 0 (0%)

117.74

+0.09 (+0.08%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)01-27
Earnings (Next)04-27
Inst Owners94.22%
Inst Owner Change1.67%
Ins Owners5.51%
Ins Owner Change0.69%
Market Cap8.94B
Revenue(TTM)2.65B
Net Income(TTM)595.07M
Analysts81.11
Price Target148.53 (26.15%)
Short Float %3.54%
Short Ratio4.8
Dividend
Industry RankSector Rank
Dividend Yield 1.39%
Yearly Dividend1.58
Dividend Growth(5Y)5.5%
DP19.25%
Div Incr Years29
Div Non Decr Years29
Ex-Date03-10
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)4.99%
PT rev (3m)5.23%
EPS NQ rev (1m)0.26%
EPS NQ rev (3m)0.86%
EPS NY rev (1m)4.22%
EPS NY rev (3m)4.46%
Revenue NQ rev (1m)0.08%
Revenue NQ rev (3m)0.08%
Revenue NY rev (1m)2.72%
Revenue NY rev (3m)3.15%
Valuation
Industry RankSector Rank
PE 11.94
Fwd PE 9.64
P/S 3.78
P/FCF 11.1
P/OCF 10.48
P/B 1.2
P/tB 1.75
EV/EBITDA N/A
EPS(TTM)9.86
EY8.37%
EPS(NY)12.22
Fwd EY10.38%
FCF(TTM)10.61
FCFY9.01%
OCF(TTM)11.24
OCFY9.55%
SpS31.14
BVpS98
TBVpS67.1
PEG (NY)0.5
PEG (5Y)0.62
Graham Number147.45
Profitability
Industry RankSector 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)0.87%
ROA(5y)0.91%
ROE(3y)10.97%
ROE(5y)12.07%
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-4.25%
PM growth 5Y3.08%
GM growth 3YN/A
GM growth 5YN/A
F-Score8
Asset Turnover0.03
Health
Industry RankSector 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-Score8
WACC14.04%
ROIC/WACCN/A
Cap/Depr(3y)N/A
Cap/Depr(5y)N/A
Cap/Sales(3y)N/A
Cap/Sales(5y)N/A
Profit Quality(3y)N/A
Profit Quality(5y)N/A
High Growth Momentum
Growth
EPS 1Y (TTM)9.43%
EPS 3Y3.59%
EPS 5Y19.18%
EPS Q2Q%12.3%
EPS Next Y23.9%
EPS Next 2Y16.68%
EPS Next 3Y13.87%
EPS Next 5YN/A
Revenue 1Y (TTM)62.81%
Revenue growth 3Y21.8%
Revenue growth 5Y15.48%
Sales Q2Q%66.03%
Revenue Next Year10.76%
Revenue Next 2Y8.59%
Revenue Next 3Y7.3%
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 1Y124.24%
FCF growth 3YN/A
FCF growth 5YN/A
OCF growth 1Y126.36%
OCF growth 3YN/A
OCF growth 5YN/A

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 of UMB FINANCIAL CORP (UMBF) stock?

ChartMill assigns a valuation rating of 6 / 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.


What is the financial health of UMB FINANCIAL CORP (UMBF) stock?

The financial health rating of UMB FINANCIAL CORP (UMBF) is 1 / 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 23.9% in the next year.