118.98 USD
-0.05 (-0.04%)
118.98 USD
0 (0%)
UMBF gets a fundamental rating of 4 out of 10. The analysis compared the fundamentals against 385 industry peers in the Banks industry. UMBF may be in some trouble as it scores bad on both profitability and health. UMBF is showing excellent growth while it is valued at reasonable prices. Keep and eye on this one!
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.
In the past 5 years UMBF has always been profitable.
In the past 5 years UMBF always reported a positive cash flow from operatings.
1.2 Ratios
UMBF's Return On Assets of 0.83% is in line compared to the rest of the industry. UMBF outperforms 44.16% of its industry peers.
With a Return On Equity value of 7.99%, UMBF perfoms like the industry average, outperforming 42.34% 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.
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 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.
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.
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 67.53% of its industry peers.
UMBF has a Debt/Equity ratio of 0.44. This is a healthy value indicating a solid balance between debt and equity.
With a Debt to Equity ratio value of 0.44, UMBF is not doing good in the industry: 74.81% of the companies in the same industry are doing better.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.44 | ||
| Debt/FCF | 4.11 | ||
| Altman-Z | N/A |
ROIC/WACCN/A
WACC14.07%
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.
UMBF shows a strong growth in Revenue. In the last year, the Revenue has grown by 51.10%.
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)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
Based on estimates for the next years, UMBF will show a quite strong growth in Earnings Per Share. The EPS will grow by 12.85% on average per year.
The Revenue is expected to grow by 23.02% on average over the next years. This is a very strong growth
EPS Next Y6.6%
EPS Next 2Y14.17%
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
A Price/Earnings ratio of 12.45 indicates a correct valuation of UMBF.
The rest of the industry has a similar Price/Earnings ratio as UMBF.
UMBF's Price/Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 26.22.
The Price/Forward Earnings ratio is 10.13, which indicates a very decent valuation of UMBF.
Based on the Price/Forward Earnings ratio, UMBF is valued a bit cheaper than the industry average as 60.52% of the companies are valued more expensively.
UMBF is valuated cheaply when we compare the Price/Forward Earnings ratio to 23.58, which is the current average of the S&P500 Index.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 12.45 | ||
| Fwd PE | 10.13 |
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 60.26% of the companies listed in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 11.22 | ||
| 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 12.85% in the coming years. This may justify a more expensive valuation.
PEG (NY)1.89
PEG (5Y)0.98
EPS Next 2Y14.17%
EPS Next 3Y12.85%
5. Dividend
5.1 Amount
UMBF has a Yearly Dividend Yield of 1.43%. Purely for dividend investing, there may be better candidates out there.
Compared to an average industry Dividend Yield of 2.70, UMBF is paying slightly less dividend.
Compared to the average S&P500 Dividend Yield of 1.87, UMBF is paying slightly less dividend.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 1.43% |
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
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 2Y14.17%
EPS Next 3Y12.85%
118.98
-0.05 (-0.04%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)
Earnings (Next)
Inst Owners94.19%
Inst Owner Change2.11%
Ins Owners5.52%
Ins Owner Change-0.4%
Market Cap9.04B
Revenue(TTM)2.37B
Net Income(TTM)595.07M
Analysts82.11
Price Target141.15 (18.63%)
Short Float %3.82%
Short Ratio5.9
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 1.43% |
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)-0.39%
PT rev (3m)4.05%
EPS NQ rev (1m)-2.43%
EPS NQ rev (3m)1.61%
EPS NY rev (1m)0.79%
EPS NY rev (3m)-8.47%
Revenue NQ rev (1m)-0.08%
Revenue NQ rev (3m)0.95%
Revenue NY rev (1m)0.45%
Revenue NY rev (3m)1.03%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 12.45 | ||
| Fwd PE | 10.13 | ||
| P/S | 3.82 | ||
| P/FCF | 11.22 | ||
| P/OCF | 10.58 | ||
| P/B | 1.21 | ||
| P/tB | 1.77 | ||
| EV/EBITDA | N/A |
EPS(TTM)9.56
EY8.03%
EPS(NY)11.74
Fwd EY9.87%
FCF(TTM)10.61
FCFY8.92%
OCF(TTM)11.24
OCFY9.45%
SpS31.15
BVpS98.01
TBVpS67.11
PEG (NY)1.89
PEG (5Y)0.98
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
WACC14.07%
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 Y6.6%
EPS Next 2Y14.17%
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 for 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.
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 6.6% in the next year.