118.67 USD
-0.23 (-0.19%)
Taking everything into account, UMBF scores 4 out of 10 in our fundamental rating. UMBF was compared to 388 industry peers in the Banks industry. UMBF has a bad profitability rating. Also its financial health evaluation is rather negative. UMBF is showing excellent growth while it is valued at reasonable prices. Keep and eye on this one!
1. Profitability
1.1 Basic Checks
UMBF had positive earnings in the past year.
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 44.07% of its industry peers.
UMBF's Return On Equity of 7.99% is in line compared to the rest of the industry. UMBF outperforms 42.01% of its industry peers.
| 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.
Compared to 1 year ago, UMBF has more shares outstanding
UMBF has less shares outstanding than it did 5 years ago.
The debt/assets ratio for UMBF has been reduced compared to a year ago.
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.
The Debt to FCF ratio of UMBF (4.11) is worse than 67.01% 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.
The Debt to Equity ratio of UMBF (0.44) is worse than 74.48% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.44 | ||
| Debt/FCF | 4.11 | ||
| Altman-Z | N/A |
ROIC/WACCN/A
WACC14.08%
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.
Looking at the last year, UMBF shows a very strong growth in Revenue. 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
The Earnings Per Share is expected to grow by 12.85% on average over the next years. This is quite good.
Based on estimates for the next years, UMBF will show a very strong growth in Revenue. The Revenue will grow by 23.02% on average per year.
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
Based on the Price/Earnings ratio of 12.41, the valuation of UMBF can be described as correct.
Compared to the rest of the industry, the Price/Earnings ratio of UMBF is on the same level as its industry peers.
When comparing the Price/Earnings ratio of UMBF to the average of the S&P500 Index (26.59), we can say UMBF is valued rather cheaply.
The Price/Forward Earnings ratio is 10.11, which indicates a very decent valuation of UMBF.
The rest of the industry has a similar Price/Forward Earnings ratio as UMBF.
The average S&P500 Price/Forward Earnings ratio is at 24.03. UMBF is valued rather cheaply when compared to this.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 12.41 | ||
| Fwd PE | 10.11 |
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 | 11.19 | ||
| 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)1.88
PEG (5Y)0.98
EPS Next 2Y14.17%
EPS Next 3Y12.85%
5. Dividend
5.1 Amount
UMBF has a Yearly Dividend Yield of 1.44%.
UMBF's Dividend Yield is slightly below the industry average, which is at 2.74.
UMBF's Dividend Yield is slightly below the S&P500 average, which is at 1.88.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 1.44% |
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
19.25% of the earnings are spent on dividend by UMBF. This is a low number and 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%
NASDAQ:UMBF (12/26/2025, 10:55:30 AM)
118.67
-0.23 (-0.19%)
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-0.42%
Market Cap9.01B
Revenue(TTM)2.37B
Net Income(TTM)595.07M
Analysts82.11
Price Target141.15 (18.94%)
Short Float %3.82%
Short Ratio5.9
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 1.44% |
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)-2.5%
EPS NQ rev (3m)1.54%
EPS NY rev (1m)0.79%
EPS NY rev (3m)-8.47%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)0.95%
Revenue NY rev (1m)0.45%
Revenue NY rev (3m)1.03%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 12.41 | ||
| Fwd PE | 10.11 | ||
| P/S | 3.81 | ||
| P/FCF | 11.19 | ||
| P/OCF | 10.56 | ||
| P/B | 1.21 | ||
| P/tB | 1.77 | ||
| EV/EBITDA | N/A |
EPS(TTM)9.56
EY8.06%
EPS(NY)11.74
Fwd EY9.9%
FCF(TTM)10.61
FCFY8.94%
OCF(TTM)11.24
OCFY9.47%
SpS31.15
BVpS98.01
TBVpS67.11
PEG (NY)1.88
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
WACC14.08%
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.