113.95 USD
-0.29 (-0.25%)
113.95 USD
0 (0%)
Overall UMBF gets a fundamental rating of 4 out of 10. We evaluated UMBF against 387 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.
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.
Each year in the past 5 years UMBF had a positive operating cash flow.
1.2 Ratios
UMBF has a Return On Assets (0.83%) which is comparable to the rest of the industry.
UMBF has a Return On Equity (7.99%) which is comparable to the rest of the 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's Profit Margin of 25.16% is in line compared to the rest of the industry. UMBF outperforms 55.30% 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.
UMBF has more shares outstanding than it did 1 year ago.
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
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.
UMBF's Debt to FCF ratio of 4.11 is on the low side compared to the rest of the industry. UMBF is outperformed by 66.93% of its industry peers.
A Debt/Equity ratio of 0.44 indicates that UMBF is not too dependend on debt financing.
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 74.94% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.44 | ||
| Debt/FCF | 4.11 | ||
| Altman-Z | N/A |
ROIC/WACCN/A
WACC14.25%
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
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.
UMBF is expected to show a strong growth in Revenue. In the coming years, the Revenue will grow by 23.02% yearly.
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
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.
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
The Price/Earnings ratio is 11.92, 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.
Compared to an average S&P500 Price/Earnings ratio of 26.28, UMBF is valued rather cheaply.
UMBF is valuated reasonably with a Price/Forward Earnings ratio of 9.70.
Compared to the rest of the industry, the Price/Forward Earnings ratio of UMBF is on the same level as its industry peers.
Compared to an average S&P500 Price/Forward Earnings ratio of 23.52, UMBF is valued rather cheaply.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 11.92 | ||
| Fwd PE | 9.7 |
4.2 Price Multiples
UMBF's Price/Free Cash Flow ratio is a bit cheaper when compared to the industry. UMBF is cheaper than 60.21% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 10.74 | ||
| EV/EBITDA | N/A |
4.3 Compensation for Growth
The high PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates UMBF does not grow enough to justify the current Price/Earnings ratio.
A more expensive valuation may be justified as UMBF's earnings are expected to grow with 12.85% in the coming years.
PEG (NY)1.81
PEG (5Y)0.94
EPS Next 2Y14.17%
EPS Next 3Y12.85%
5. Dividend
5.1 Amount
With a Yearly Dividend Yield of 1.48%, UMBF has a reasonable but not impressive dividend return.
Compared to an average industry Dividend Yield of 3.11, UMBF is paying slightly less dividend.
UMBF's Dividend Yield is slightly below the S&P500 average, which is at 2.31.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 1.48% |
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 2Y14.17%
EPS Next 3Y12.85%
113.95
-0.29 (-0.25%)
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-0.18%
Market Cap8.65B
Revenue(TTM)2.37B
Net Income(TTM)595.07M
Analysts82.11
Price Target141.15 (23.87%)
Short Float %3.54%
Short Ratio5.75
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 1.48% |
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)5.2%
EPS NQ rev (1m)-2.43%
EPS NQ rev (3m)-3.08%
EPS NY rev (1m)0.79%
EPS NY rev (3m)-8.47%
Revenue NQ rev (1m)-0.08%
Revenue NQ rev (3m)0.56%
Revenue NY rev (1m)0.45%
Revenue NY rev (3m)1.33%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 11.92 | ||
| Fwd PE | 9.7 | ||
| P/S | 3.66 | ||
| P/FCF | 10.74 | ||
| P/OCF | 10.14 | ||
| P/B | 1.16 | ||
| P/tB | 1.7 | ||
| EV/EBITDA | N/A |
EPS(TTM)9.56
EY8.39%
EPS(NY)11.74
Fwd EY10.31%
FCF(TTM)10.61
FCFY9.31%
OCF(TTM)11.24
OCFY9.86%
SpS31.15
BVpS98.01
TBVpS67.11
PEG (NY)1.81
PEG (5Y)0.94
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
WACC14.25%
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 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 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.