UMB FINANCIAL CORP (UMBF) Fundamental Analysis & Valuation

NASDAQ:UMBF • US9027881088

113.49 USD
-3.97 (-3.38%)
At close: Mar 6, 2026
113.49 USD
0 (0%)
After Hours: 3/6/2026, 8:00:02 PM
Overview Stock Chart Technical Analysis Fundamental Analysis Forecast Earnings Financials Ownership News

This UMBF fundamental analysis includes valuation metrics, fair value assessment, financial health analysis, profitability trends, growth metrics and dividend sustainability analysis.

Fundamental Rating

4

Overall UMBF gets a fundamental rating of 4 out of 10. We evaluated UMBF against 379 industry peers in the Banks industry. UMBF may be in some trouble as it scores bad on both profitability and health. UMBF is not valued too expensively and it also shows a decent growth rate.


Dividend Valuation Growth Profitability Health

3

1. UMBF Profitability Analysis

1.1 Basic Checks

  • In the past year UMBF was profitable.
  • UMBF had a positive operating cash flow in the past year.
  • In the past 5 years UMBF has always been profitable.
  • Each year in the past 5 years UMBF had a positive operating cash flow.
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 800M 1B

1.2 Ratios

  • The Return On Assets of UMBF (0.83%) is comparable to the rest of the industry.
  • With a Return On Equity value of 7.99%, UMBF perfoms like the industry average, outperforming 40.37% of the companies in the same industry.
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

  • With a Profit Margin value of 25.16%, UMBF perfoms like the industry average, outperforming 53.30% of the companies in the same industry.
  • In the last couple of years the Profit Margin of UMBF has grown nicely.
  • UMBF does not have Operating Margin and Gross Margin available, so we won't be analyzing them here.
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. UMBF Health Analysis

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
  • Compared to 5 years ago, UMBF has more shares outstanding
  • 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.
  • UMBF has a worse Debt to FCF ratio (4.11) 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 has a Debt to Equity ratio of 0.44. This is in the lower half of the industry: UMBF underperforms 74.14% of its industry peers.
Industry RankSector Rank
Debt/Equity 0.44
Debt/FCF 4.11
Altman-Z N/A
ROIC/WACCN/A
WACC14.25%
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. UMBF Growth Analysis

3.1 Past

  • The Earnings Per Share has grown by an nice 9.43% 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 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%.
  • Measured over the past years, UMBF shows a quite strong growth in Revenue. The Revenue has been growing by 15.48% on average per year.
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

  • The Earnings Per Share is expected to grow by 13.87% on average over the next years. This is quite good.
  • The Revenue is expected to grow by 7.30% on average over the next years.
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

  • The estimated forward EPS growth is still strong, although it is decreasing when compared to the stronger growth in 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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6

4. UMBF Valuation Analysis

4.1 Price/Earnings Ratio

  • A Price/Earnings ratio of 11.51 indicates a reasonable valuation of UMBF.
  • The rest of the industry has a similar Price/Earnings ratio as UMBF.
  • The average S&P500 Price/Earnings ratio is at 26.29. UMBF is valued rather cheaply when compared to this.
  • A Price/Forward Earnings ratio of 9.29 indicates a reasonable valuation of UMBF.
  • Compared to the rest of the industry, the Price/Forward Earnings ratio of UMBF indicates a somewhat cheap valuation: UMBF is cheaper than 65.70% of the companies listed in the same industry.
  • Compared to an average S&P500 Price/Forward Earnings ratio of 24.57, UMBF is valued rather cheaply.
Industry RankSector Rank
PE 11.51
Fwd PE 9.29
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

  • Compared to the rest of the industry, the Price/Free Cash Flow ratio of UMBF indicates a somewhat cheap valuation: UMBF is cheaper than 61.21% of the companies listed in the same industry.
Industry RankSector Rank
P/FCF 10.7
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.
  • A more expensive valuation may be justified as UMBF's earnings are expected to grow with 13.87% in the coming years.
PEG (NY)0.48
PEG (5Y)0.6
EPS Next 2Y16.68%
EPS Next 3Y13.87%

More info and screens

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

6

5. UMBF Dividend Analysis

5.1 Amount

  • With a Yearly Dividend Yield of 1.46%, UMBF has a reasonable but not impressive dividend return.
  • Compared to an average industry Dividend Yield of 2.73, UMBF is paying slightly less dividend.
  • Compared to an average S&P500 Dividend Yield of 1.82, UMBF has a dividend comparable with the average S&P500 company.
Industry RankSector Rank
Dividend Yield 1.46%

5.2 History

  • The dividend of UMBF is nicely growing with an annual growth rate of 11.82%!
  • UMBF has been paying a dividend for at least 10 years, so it has 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)11.82%
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 around the same pace than its dividend. As long as the earnings growth is kept the dividend growth is 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 800M
UMBF Dividend Payout.UMBF Dividend Payout, showing the Payout Ratio.UMBF Dividend Payout.PayoutRetained Earnings

More info and screens

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UMBF Fundamentals: All Metrics, Ratios and Statistics

UMB FINANCIAL CORP

NASDAQ:UMBF (3/6/2026, 8:00:02 PM)

After market: 113.49 0 (0%)

113.49

-3.97 (-3.38%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)01-27
Earnings (Next)04-27
Inst Owners95.25%
Inst Owner Change1.67%
Ins Owners5.51%
Ins Owner Change0.69%
Market Cap8.64B
Revenue(TTM)2.65B
Net Income(TTM)595.07M
Analysts81.05
Price Target148.53 (30.87%)
Short Float %3.54%
Short Ratio4.8
Dividend
Industry RankSector Rank
Dividend Yield 1.46%
Yearly Dividend2.17
Dividend Growth(5Y)11.82%
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 11.51
Fwd PE 9.29
P/S 3.64
P/FCF 10.7
P/OCF 10.1
P/B 1.16
P/tB 1.69
EV/EBITDA N/A
EPS(TTM)9.86
EY8.69%
EPS(NY)12.22
Fwd EY10.76%
FCF(TTM)10.61
FCFY9.35%
OCF(TTM)11.24
OCFY9.9%
SpS31.14
BVpS98
TBVpS67.1
PEG (NY)0.48
PEG (5Y)0.6
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
WACC14.25%
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.