120.74 USD
+1.94 (+1.63%)
118.69 USD
-2.05 (-1.7%)
UMBF gets a fundamental rating of 4 out of 10. The analysis compared the fundamentals against 383 industry peers in the Banks industry. UMBF may be in some trouble as it scores bad on both profitability and health. UMBF is growing strongly while it is still valued neutral. This is a good combination!
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.
- 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
- With a Return On Assets value of 0.83%, UMBF perfoms like the industry average, outperforming 43.60% of the companies in the same industry.
- With a Return On Equity value of 7.99%, UMBF perfoms like the industry average, outperforming 41.51% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 0.83% | ||
| ROE | 7.99% | ||
| 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 Profit Margin (25.16%) which is in line with 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) | 25.16% | ||
| 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.
- The number of shares outstanding for UMBF has been increased compared to 1 year ago.
- The number of shares outstanding for UMBF has been reduced compared to 5 years ago.
- UMBF has a better debt/assets ratio than last year.
2.2 Solvency
- UMBF has a debt to FCF ratio of 4.11. This is a neutral value as UMBF would need 4.11 years to pay back of all of its debts.
- With a Debt to FCF ratio value of 4.11, UMBF is not doing good in the industry: 68.15% of the companies in the same industry are doing better.
- UMBF has a Debt/Equity ratio of 0.44. This is a healthy value indicating a solid balance between debt and equity.
- 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 74.15% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.44 | ||
| Debt/FCF | 4.11 | ||
| Altman-Z | N/A |
ROIC/WACCN/A
WACC14.04%
2.3 Liquidity
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | N/A | ||
| Quick Ratio | N/A |
3. Growth
3.1 Past
- UMBF shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 19.20%, which is quite good.
- The Earnings Per Share has been growing by 12.68% on average over the past years. This is quite good.
- The Revenue has grown by 51.10% in the past year. This is a very strong growth!
- Measured over the past years, UMBF shows a quite strong growth in Revenue. The Revenue has been growing by 8.22% on average per year.
EPS 1Y (TTM)19.2%
EPS 3Y7.51%
EPS 5Y12.68%
EPS Q2Q%4.89%
Revenue 1Y (TTM)51.1%
Revenue growth 3Y8.29%
Revenue growth 5Y8.22%
Sales Q2Q%67.03%
3.2 Future
- The Earnings Per Share is expected to grow by 12.85% on average over the next years. This is quite good.
- The Revenue is expected to grow by 23.02% on average over the next years. This is a very strong growth
EPS Next Y4.94%
EPS Next 2Y14.09%
EPS Next 3Y12.85%
EPS Next 5YN/A
Revenue Next Year61.68%
Revenue Next 2Y32.03%
Revenue Next 3Y23.02%
Revenue Next 5YN/A
3.3 Evolution
- The EPS growth rate is stable: in the next years the growth will be about the same than in the last years.
- 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 12.63, the valuation of UMBF can be described as correct.
- 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 27.33, which is the current average of the S&P500 Index.
- With a Price/Forward Earnings ratio of 10.30, the valuation of UMBF can be described as very reasonable.
- 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 24.12, which is the current average of the S&P500 Index.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 12.63 | ||
| Fwd PE | 10.3 |
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 | 11.38 | ||
| EV/EBITDA | N/A |
4.3 Compensation for Growth
- The high PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates an expensive valuation of the company.
- A more expensive valuation may be justified as UMBF's earnings are expected to grow with 12.85% in the coming years.
PEG (NY)2.56
PEG (5Y)1
EPS Next 2Y14.09%
EPS Next 3Y12.85%
5. Dividend
5.1 Amount
- With a Yearly Dividend Yield of 1.40%, UMBF has a reasonable but not impressive dividend return.
- UMBF's Dividend Yield is slightly below the industry average, which is at 2.89.
- Compared to the average S&P500 Dividend Yield of 1.91, UMBF is paying slightly less dividend.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 1.4% |
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
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 2Y14.09%
EPS Next 3Y12.85%
120.74
+1.94 (+1.63%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)10-28 2025-10-28/amc
Earnings (Next)01-27 2026-01-27/amc
Inst Owners94.22%
Inst Owner Change0.17%
Ins Owners5.51%
Ins Owner Change-1.22%
Market Cap9.17B
Revenue(TTM)2.37B
Net Income(TTM)595.07M
Analysts82.11
Price Target141.15 (16.9%)
Short Float %4.16%
Short Ratio6.13
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 1.4% |
Yearly Dividend1.58
Dividend Growth(5Y)5.5%
DP19.25%
Div Incr Years29
Div Non Decr Years29
Ex-DateN/A
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)0%
PT rev (3m)2.89%
EPS NQ rev (1m)-0.07%
EPS NQ rev (3m)0.81%
EPS NY rev (1m)-1.56%
EPS NY rev (3m)-1.28%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)0.74%
Revenue NY rev (1m)0%
Revenue NY rev (3m)0.95%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 12.63 | ||
| Fwd PE | 10.3 | ||
| P/S | 3.88 | ||
| P/FCF | 11.38 | ||
| P/OCF | 10.74 | ||
| P/B | 1.23 | ||
| P/tB | 1.8 | ||
| EV/EBITDA | N/A |
EPS(TTM)9.56
EY7.92%
EPS(NY)11.73
Fwd EY9.71%
FCF(TTM)10.61
FCFY8.79%
OCF(TTM)11.24
OCFY9.31%
SpS31.15
BVpS98.01
TBVpS67.11
PEG (NY)2.56
PEG (5Y)1
Graham Number145.2
Profitability
| Industry Rank | Sector 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)0.93%
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-Score7
Asset Turnover0.03
Health
| Industry Rank | Sector 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-Score7
WACC14.04%
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)19.2%
EPS 3Y7.51%
EPS 5Y12.68%
EPS Q2Q%4.89%
EPS Next Y4.94%
EPS Next 2Y14.09%
EPS Next 3Y12.85%
EPS Next 5YN/A
Revenue 1Y (TTM)51.1%
Revenue growth 3Y8.29%
Revenue growth 5Y8.22%
Sales Q2Q%67.03%
Revenue Next Year61.68%
Revenue Next 2Y32.03%
Revenue Next 3Y23.02%
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 1Y63.9%
FCF growth 3Y-26.21%
FCF growth 5Y-5.56%
OCF growth 1Y60.45%
OCF growth 3Y-25%
OCF growth 5Y-7.9%
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 4 / 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 2 / 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 4.94% in the next year.