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UMB FINANCIAL CORP (UMBF) Stock Fundamental Analysis

USA - NASDAQ:UMBF - US9027881088 - Common Stock

118.89 USD
-1.5 (-1.25%)
Last: 9/16/2025, 5:37:33 PM
118.89 USD
0 (0%)
After Hours: 9/16/2025, 5:37:33 PM
Fundamental Rating

5

Overall UMBF gets a fundamental rating of 5 out of 10. We evaluated UMBF against 392 industry peers in the Banks industry. UMBF has a bad profitability rating. Also its financial health evaluation is rather negative. UMBF is not overvalued while it is showing excellent growth. This is an interesting combination. Finally UMBF also has an excellent dividend rating.


Dividend Valuation Growth Profitability Health

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3

1. Profitability

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.
In the past 5 years UMBF always reported a positive cash flow from operatings.
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 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 200M 400M 600M

1.2 Ratios

Looking at the Return On Assets, with a value of 0.73%, UMBF is in line with its industry, outperforming 41.58% of the companies in the same industry.
UMBF has a Return On Equity (7.20%) which is comparable to the rest of the industry.
Industry RankSector 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
UMBF Yearly ROA, ROE, ROICUMBF Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 5 10 15

1.3 Margins

UMBF has a Profit Margin of 25.05%. This is comparable to the rest of the industry: UMBF outperforms 59.95% of its industry peers.
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) 25.05%
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
UMBF Yearly Profit, Operating, Gross MarginsUMBF Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 5 10 15 20 25

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2

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 more shares outstanding than it did 1 year ago.
The number of shares outstanding for UMBF has been reduced 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 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 10M 20M 30M 40M
UMBF Yearly Total Debt VS Total AssetsUMBF Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 10B 20B 30B 40B 50B

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 69.13% of its industry peers.
A Debt/Equity ratio of 0.49 indicates that UMBF is not too dependend on debt financing.
UMBF has a Debt to Equity ratio of 0.49. This is in the lower half of the industry: UMBF underperforms 76.02% of its industry peers.
Industry RankSector Rank
Debt/Equity 0.49
Debt/FCF 5.39
Altman-Z N/A
ROIC/WACCN/A
WACC14.16%
UMBF Yearly LT Debt VS Equity VS FCFUMBF Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 1B 2B 3B

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 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 1B 2B 3B 4B

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8

3. Growth

3.1 Past

The Earnings Per Share has grown by an impressive 21.94% over the past year.
UMBF shows quite a strong growth in Earnings Per Share. Measured over the last years, the EPS has been growing by 12.68% yearly.
Looking at the last year, UMBF shows a very strong growth in Revenue. The Revenue has grown by 38.17%.
UMBF shows quite a strong growth in Revenue. Measured over the last years, the Revenue has been growing by 8.22% yearly.
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 12.13% 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 22.30% on average per year.
EPS Next Y16.46%
EPS Next 2Y13.72%
EPS Next 3Y12.13%
EPS Next 5YN/A
Revenue Next Year60.04%
Revenue Next 2Y31.18%
Revenue Next 3Y22.3%
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.
The Revenue growth rate is accelerating: in the next years the growth will be better than in the last years.
UMBF Yearly Revenue VS EstimatesUMBF Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2014 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 1B 2B 3B
UMBF Yearly EPS VS EstimatesUMBF Yearly EPS VS EstimatesYearly EPS VS Estimates 2014 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 2 4 6 8 10

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5

4. Valuation

4.1 Price/Earnings Ratio

A Price/Earnings ratio of 12.58 indicates a correct valuation of UMBF.
Compared to the rest of the industry, the Price/Earnings ratio of UMBF is on the same level as its industry peers.
UMBF's Price/Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 27.20.
UMBF is valuated reasonably with a Price/Forward Earnings ratio of 10.20.
Compared to the rest of the industry, the Price/Forward Earnings ratio of UMBF is on the same level as its industry peers.
UMBF is valuated cheaply when we compare the Price/Forward Earnings ratio to 22.71, which is the current average of the S&P500 Index.
Industry RankSector Rank
PE 12.58
Fwd PE 10.2
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 is on the same level as its industry peers.
Industry RankSector Rank
P/FCF 13.56
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

The 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 12.13% in the coming years.
PEG (NY)0.76
PEG (5Y)0.99
EPS Next 2Y13.72%
EPS Next 3Y12.13%

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9

5. Dividend

5.1 Amount

UMBF has a Yearly Dividend Yield of 7.21%, which is a nice return.
Compared to an average industry Dividend Yield of 3.73, UMBF pays a better dividend. On top of this UMBF pays more dividend than 95.41% of the companies listed in the same industry.
Compared to an average S&P500 Dividend Yield of 2.38, UMBF pays a better dividend.
Industry RankSector Rank
Dividend Yield 7.21%

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
UMBF Yearly Dividends per shareUMBF Yearly Dividends per shareYearly Dividends per share 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 0.5 1 1.5

5.3 Sustainability

UMBF pays out 19.28% 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.
DP19.28%
EPS Next 2Y13.72%
EPS Next 3Y12.13%
UMBF Yearly Income VS Free CF VS DividendUMBF Yearly Income VS Free CF VS DividendYearly Income VS Free CF VS Dividend 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 200M 400M 600M
UMBF Dividend Payout.UMBF Dividend Payout, showing the Payout Ratio.UMBF Dividend Payout.PayoutRetained Earnings

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UMB FINANCIAL CORP

NASDAQ:UMBF (9/16/2025, 5:37:33 PM)

After market: 118.89 0 (0%)

118.89

-1.5 (-1.25%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)07-29 2025-07-29/amc
Earnings (Next)10-27 2025-10-27/amc
Inst Owners89.24%
Inst Owner Change2.31%
Ins Owners5.53%
Ins Owner Change-0.38%
Market Cap9.03B
Analysts81.18
Price Target135.66 (14.11%)
Short Float %2.89%
Short Ratio3.74
Dividend
Industry RankSector Rank
Dividend Yield 7.21%
Yearly Dividend1.58
Dividend Growth(5Y)5.5%
DP19.28%
Div Incr Years29
Div Non Decr Years29
Ex-Date09-10 2025-09-10 (0.4)
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)1.11%
PT rev (3m)10.37%
EPS NQ rev (1m)-2.76%
EPS NQ rev (3m)-3.16%
EPS NY rev (1m)2.64%
EPS NY rev (3m)2.41%
Revenue NQ rev (1m)-0.29%
Revenue NQ rev (3m)1.88%
Revenue NY rev (1m)2.45%
Revenue NY rev (3m)2.53%
Valuation
Industry RankSector Rank
PE 12.58
Fwd PE 10.2
P/S 4.31
P/FCF 13.56
P/OCF 12.8
P/B 1.24
P/tB 1.83
EV/EBITDA N/A
EPS(TTM)9.45
EY7.95%
EPS(NY)11.65
Fwd EY9.8%
FCF(TTM)8.77
FCFY7.37%
OCF(TTM)9.29
OCFY7.81%
SpS27.57
BVpS95.95
TBVpS65.08
PEG (NY)0.76
PEG (5Y)0.99
Profitability
Industry RankSector 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
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 3Y-0.53%
PM growth 5Y4.07%
GM growth 3YN/A
GM growth 5YN/A
F-Score5
Asset Turnover0.03
Health
Industry RankSector 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
WACC14.16%
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 Y16.46%
EPS Next 2Y13.72%
EPS Next 3Y12.13%
EPS Next 5YN/A
Revenue 1Y (TTM)38.17%
Revenue growth 3Y8.29%
Revenue growth 5Y8.22%
Sales Q2Q%76.71%
Revenue Next Year60.04%
Revenue Next 2Y31.18%
Revenue Next 3Y22.3%
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 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%