UMB FINANCIAL CORP (UMBF) Stock Fundamental Analysis
USA - NASDAQ:UMBF - US9027881088 - Common Stock
108.99 USD
+1.93 (+1.8%)
108.99 USD
0 (0%)
Taking everything into account, UMBF scores 5 out of 10 in our fundamental rating. UMBF was compared to 390 industry peers in the Banks industry. There are concerns on the financial health of UMBF while its profitability can be described as average. 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.
UMBF had positive earnings in each of the past 5 years.
Each year in the past 5 years UMBF 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 47.18% of its industry peers.
With a Return On Equity value of 7.99%, UMBF perfoms like the industry average, outperforming 45.64% 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
The Profit Margin of UMBF (25.16%) is better than 60.26% 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 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.
Compared to 1 year ago, UMBF has more shares outstanding
Compared to 5 years ago, UMBF has less shares outstanding
Compared to 1 year ago, UMBF has an improved debt to assets ratio.
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 Debt to FCF ratio of 4.11. This is in the lower half of the industry: UMBF underperforms 64.10% of its industry peers.
A Debt/Equity ratio of 0.44 indicates that UMBF is not too dependend on debt financing.
The Debt to Equity ratio of UMBF (0.44) is worse than 75.90% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.44 | ||
| Debt/FCF | 4.11 | ||
| Altman-Z | N/A |
ROIC/WACCN/A
WACC14.38%
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.
UMBF shows quite a strong growth in Earnings Per Share. Measured over the last years, the EPS has been growing by 12.68% yearly.
The Revenue has grown by 51.10% in the past year. This is a very strong growth!
The Revenue has been growing by 8.22% on average over the past years. This is quite good.
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
UMBF is expected to show quite a strong growth in Earnings Per Share. In the coming years, the EPS will grow by 12.65% yearly.
UMBF is expected to show a strong growth in Revenue. In the coming years, the Revenue will grow by 22.88% yearly.
EPS Next Y5.77%
EPS Next 2Y13.93%
EPS Next 3Y12.65%
EPS Next 5YN/A
Revenue Next Year60.95%
Revenue Next 2Y31.76%
Revenue Next 3Y22.88%
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.
4. Valuation
4.1 Price/Earnings Ratio
The Price/Earnings ratio is 11.40, which indicates a very decent 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.
The average S&P500 Price/Earnings ratio is at 25.83. UMBF is valued rather cheaply when compared to this.
With a Price/Forward Earnings ratio of 9.32, the valuation of UMBF can be described as very reasonable.
Compared to the rest of the industry, the Price/Forward Earnings ratio of UMBF indicates a somewhat cheap valuation: UMBF is cheaper than 64.36% of the companies listed in the same industry.
The average S&P500 Price/Forward Earnings ratio is at 32.68. UMBF is valued rather cheaply when compared to this.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 11.4 | ||
| Fwd PE | 9.32 |
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 65.64% of the companies listed in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 10.27 | ||
| 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.
UMBF's earnings are expected to grow with 12.65% in the coming years. This may justify a more expensive valuation.
PEG (NY)1.98
PEG (5Y)0.9
EPS Next 2Y13.93%
EPS Next 3Y12.65%
5. Dividend
5.1 Amount
With a Yearly Dividend Yield of 1.61%, UMBF has a reasonable but not impressive dividend return.
UMBF's Dividend Yield is slightly below the industry average, which is at 3.42.
UMBF's Dividend Yield is slightly below the S&P500 average, which is at 2.39.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 1.61% |
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 2Y13.93%
EPS Next 3Y12.65%
108.99
+1.93 (+1.8%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)
Earnings (Next)
Inst Owners92.56%
Inst Owner Change-0.47%
Ins Owners5.51%
Ins Owner Change-0.41%
Market Cap8.28B
Revenue(TTM)2.37B
Net Income(TTM)595.07M
Analysts81.05
Price Target141.7 (30.01%)
Short Float %3.38%
Short Ratio5.13
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 1.61% |
Yearly Dividend1.58
Dividend Growth(5Y)5.5%
DP19.25%
Div Incr Years29
Div Non Decr Years29
Ex-Date
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)4.45%
PT rev (3m)11.76%
EPS NQ rev (1m)0.48%
EPS NQ rev (3m)-1.47%
EPS NY rev (1m)-0.68%
EPS NY rev (3m)-6.95%
Revenue NQ rev (1m)0.05%
Revenue NQ rev (3m)1.34%
Revenue NY rev (1m)-0.04%
Revenue NY rev (3m)2.49%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 11.4 | ||
| Fwd PE | 9.32 | ||
| P/S | 3.5 | ||
| P/FCF | 10.27 | ||
| P/OCF | 9.69 | ||
| P/B | 1.11 | ||
| P/tB | 1.62 | ||
| EV/EBITDA | N/A |
EPS(TTM)9.56
EY8.77%
EPS(NY)11.69
Fwd EY10.73%
FCF(TTM)10.61
FCFY9.74%
OCF(TTM)11.24
OCFY10.32%
SpS31.15
BVpS98.04
TBVpS67.13
PEG (NY)1.98
PEG (5Y)0.9
Graham Number145.22
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
WACC14.38%
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 Y5.77%
EPS Next 2Y13.93%
EPS Next 3Y12.65%
EPS Next 5YN/A
Revenue 1Y (TTM)51.1%
Revenue growth 3Y8.29%
Revenue growth 5Y8.22%
Sales Q2Q%67.03%
Revenue Next Year60.95%
Revenue Next 2Y31.76%
Revenue Next 3Y22.88%
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 5 / 10 to UMBF.
What is the valuation status for UMBF stock?
ChartMill assigns a valuation rating of 5 / 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 4 / 10.
Can you provide the financial health for 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 5.77% in the next year.