UMB FINANCIAL CORP (UMBF) Fundamental Analysis & Valuation

NASDAQ:UMBF • US9027881088

113.49 USD
-3.97 (-3.38%)
At close: Mar 6, 2026
113.49 USD
0 (0%)
After Hours: 3/6/2026, 8:00:02 PM
Overview Stock Chart Technical Analysis Fundamental Analysis Forecast Earnings Financials Ownership News

This UMBF fundamental analysis includes valuation metrics, fair value assessment, financial health analysis, profitability trends, growth metrics and dividend sustainability analysis.

Fundamental Rating

4

UMBF gets a fundamental rating of 4 out of 10. The analysis compared the fundamentals against 379 industry peers in the Banks industry. Both the profitability and financial health of UMBF have multiple concerns. UMBF has a decent growth rate and is not valued too expensively.


Dividend Valuation Growth Profitability Health

3

1. UMBF Profitability Analysis

1.1 Basic Checks

  • UMBF had positive earnings in the past year.
  • UMBF had a positive operating cash flow in the past year.
  • UMBF had positive earnings in each of the past 5 years.
  • UMBF had a positive operating cash flow in 4 of the past 5 years.
UMBF Yearly Net Income VS EBIT VS OCF VS FCFUMBF Yearly Net Income VS EBIT VS OCF VS FCFYearly Net Income VS EBIT VS OCF VS FCF 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 200M 400M 600M

1.2 Ratios

  • Looking at the Return On Assets, with a value of 0.83%, UMBF is in line with its industry, outperforming 41.69% of the companies in the same industry.
  • Looking at the Return On Equity, with a value of 7.99%, UMBF is in line with its industry, outperforming 40.37% of the companies in the same industry.
Industry RankSector Rank
ROA 0.83%
ROE 7.99%
ROIC N/A
ROA(3y)0.87%
ROA(5y)0.91%
ROE(3y)10.97%
ROE(5y)12.07%
ROIC(3y)N/A
ROIC(5y)N/A
UMBF Yearly ROA, ROE, ROICUMBF Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 5 10 15

1.3 Margins

  • UMBF's Profit Margin of 25.16% is in line compared to the rest of the industry. UMBF outperforms 53.30% of 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 RankSector Rank
OM N/A
PM (TTM) 25.16%
GM N/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y-4.25%
PM growth 5Y3.08%
GM growth 3YN/A
GM growth 5YN/A
UMBF Yearly Profit, Operating, Gross MarginsUMBF Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 5 10 15 20 25

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ROAROEROICOperating and Profit MarginShow most profitable peers

1

2. UMBF Health Analysis

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.
  • UMBF has more shares outstanding than it did 5 years ago.
  • Compared to 1 year ago, UMBF has an improved debt to assets ratio.
UMBF Yearly Shares OutstandingUMBF Yearly Shares OutstandingYearly Shares Outstanding 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 20M 40M 60M
UMBF Yearly Total Debt VS Total AssetsUMBF Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 20B 40B 60B

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's Debt to FCF ratio of 4.11 is on the low side compared to the rest of the industry. UMBF is outperformed by 67.55% of its industry peers.
  • A Debt/Equity ratio of 0.44 indicates that UMBF is not too dependend on debt financing.
  • With a Debt to Equity ratio value of 0.44, UMBF is not doing good in the industry: 74.14% of the companies in the same industry are doing better.
Industry RankSector Rank
Debt/Equity 0.44
Debt/FCF 4.11
Altman-Z N/A
ROIC/WACCN/A
WACC14.24%
UMBF Yearly LT Debt VS Equity VS FCFUMBF Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2B 4B 6B

2.3 Liquidity

Industry RankSector Rank
Current Ratio N/A
Quick Ratio N/A
UMBF Yearly Current Assets VS Current LiabilitesUMBF Yearly Current Assets VS Current LiabilitesYearly Current Assets VS Current Liabilites 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 1B 2B 3B 4B

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WACCDebt/EquityHow to determine the health of a companyAltman-Z scoreShow peers with great health

6

3. UMBF Growth Analysis

3.1 Past

  • The Earnings Per Share has grown by an nice 9.43% over the past year.
  • The Earnings Per Share has been growing by 19.18% 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 62.81%.
  • The Revenue has been growing by 15.48% on average over the past years. This is quite good.
EPS 1Y (TTM)9.43%
EPS 3Y3.59%
EPS 5Y19.18%
EPS Q2Q%12.3%
Revenue 1Y (TTM)62.81%
Revenue growth 3Y21.8%
Revenue growth 5Y15.48%
Sales Q2Q%66.03%

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 13.87% on average per year.
  • Based on estimates for the next years, UMBF will show a small growth in Revenue. The Revenue will grow by 7.30% on average per year.
EPS Next Y23.9%
EPS Next 2Y16.68%
EPS Next 3Y13.87%
EPS Next 5YN/A
Revenue Next Year10.76%
Revenue Next 2Y8.59%
Revenue Next 3Y7.3%
Revenue Next 5YN/A

3.3 Evolution

  • The estimated forward EPS growth is still strong, although it is decreasing when compared to the stronger growth in the past 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 decreasing.
UMBF Yearly Revenue VS EstimatesUMBF Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 2028 1B 2B 3B
UMBF Yearly EPS VS EstimatesUMBF Yearly EPS VS EstimatesYearly EPS VS Estimates 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 2028 5 10

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6

4. UMBF Valuation Analysis

4.1 Price/Earnings Ratio

  • With a Price/Earnings ratio of 11.51, the valuation of UMBF can be described as very reasonable.
  • UMBF's Price/Earnings is on the same level as the industry average.
  • The average S&P500 Price/Earnings ratio is at 26.29. UMBF is valued rather cheaply when compared to this.
  • UMBF is valuated reasonably with a Price/Forward Earnings ratio of 9.29.
  • Based on the Price/Forward Earnings ratio, UMBF is valued a bit cheaper than the industry average as 65.70% of the companies are valued more expensively.
  • UMBF is valuated cheaply when we compare the Price/Forward Earnings ratio to 24.57, which is the current average of the S&P500 Index.
Industry RankSector Rank
PE 11.51
Fwd PE 9.29
UMBF Price Earnings VS Forward Price EarningsUMBF Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 5 10 15 20 25

4.2 Price Multiples

  • Based on the Price/Free Cash Flow ratio, UMBF is valued a bit cheaper than the industry average as 61.21% of the companies are valued more expensively.
Industry RankSector Rank
P/FCF 10.7
EV/EBITDA N/A
UMBF Per share dataUMBF EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 20 40 60 80

4.3 Compensation for Growth

  • UMBF's low PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a rather cheap valuation of the company.
  • UMBF's earnings are expected to grow with 13.87% in the coming years. This may justify a more expensive valuation.
PEG (NY)0.48
PEG (5Y)0.6
EPS Next 2Y16.68%
EPS Next 3Y13.87%

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Price/EarningsPrice/FCFFCF per shareEV/EBITDAPEG RATIOShow best valued peers

5

5. UMBF Dividend Analysis

5.1 Amount

  • UMBF has a Yearly Dividend Yield of 1.39%.
  • Compared to an average industry Dividend Yield of 2.73, UMBF is paying slightly less dividend.
  • Compared to the average S&P500 Dividend Yield of 1.82, UMBF is paying slightly less dividend.
Industry RankSector Rank
Dividend Yield 1.39%

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 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
UMBF Yearly Dividends per shareUMBF Yearly Dividends per shareYearly Dividends per share 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 0.5 1 1.5

5.3 Sustainability

  • 19.25% of the earnings are spent on dividend by UMBF. This is a low number and sustainable payout ratio.
  • The dividend of UMBF is growing, but earnings are growing more, so the dividend growth is sustainable.
DP19.25%
EPS Next 2Y16.68%
EPS Next 3Y13.87%
UMBF Yearly Income VS Free CF VS DividendUMBF Yearly Income VS Free CF VS DividendYearly Income VS Free CF VS Dividend 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 200M 400M 600M
UMBF Dividend Payout.UMBF Dividend Payout, showing the Payout Ratio.UMBF Dividend Payout.PayoutRetained Earnings

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UMBF Fundamentals: All Metrics, Ratios and Statistics

UMB FINANCIAL CORP

NASDAQ:UMBF (3/6/2026, 8:00:02 PM)

After market: 113.49 0 (0%)

113.49

-3.97 (-3.38%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)01-27
Earnings (Next)04-27
Inst Owners94.22%
Inst Owner Change1.67%
Ins Owners5.51%
Ins Owner Change0.69%
Market Cap8.62B
Revenue(TTM)2.65B
Net Income(TTM)595.07M
Analysts81.11
Price Target148.53 (30.87%)
Short Float %3.54%
Short Ratio4.8
Dividend
Industry RankSector Rank
Dividend Yield 1.39%
Yearly Dividend1.58
Dividend Growth(5Y)5.5%
DP19.25%
Div Incr Years29
Div Non Decr Years29
Ex-Date03-10
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)4.99%
PT rev (3m)5.23%
EPS NQ rev (1m)0.26%
EPS NQ rev (3m)0.86%
EPS NY rev (1m)4.22%
EPS NY rev (3m)4.46%
Revenue NQ rev (1m)0.08%
Revenue NQ rev (3m)0.08%
Revenue NY rev (1m)2.72%
Revenue NY rev (3m)3.15%
Valuation
Industry RankSector Rank
PE 11.51
Fwd PE 9.29
P/S 3.64
P/FCF 10.7
P/OCF 10.1
P/B 1.16
P/tB 1.69
EV/EBITDA N/A
EPS(TTM)9.86
EY8.69%
EPS(NY)12.22
Fwd EY10.76%
FCF(TTM)10.61
FCFY9.35%
OCF(TTM)11.24
OCFY9.9%
SpS31.14
BVpS98
TBVpS67.1
PEG (NY)0.48
PEG (5Y)0.6
Graham Number147.45
Profitability
Industry RankSector 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)0.87%
ROA(5y)0.91%
ROE(3y)10.97%
ROE(5y)12.07%
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-4.25%
PM growth 5Y3.08%
GM growth 3YN/A
GM growth 5YN/A
F-Score8
Asset Turnover0.03
Health
Industry RankSector 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-Score8
WACC14.24%
ROIC/WACCN/A
Cap/Depr(3y)N/A
Cap/Depr(5y)N/A
Cap/Sales(3y)N/A
Cap/Sales(5y)N/A
Profit Quality(3y)N/A
Profit Quality(5y)N/A
High Growth Momentum
Growth
EPS 1Y (TTM)9.43%
EPS 3Y3.59%
EPS 5Y19.18%
EPS Q2Q%12.3%
EPS Next Y23.9%
EPS Next 2Y16.68%
EPS Next 3Y13.87%
EPS Next 5YN/A
Revenue 1Y (TTM)62.81%
Revenue growth 3Y21.8%
Revenue growth 5Y15.48%
Sales Q2Q%66.03%
Revenue Next Year10.76%
Revenue Next 2Y8.59%
Revenue Next 3Y7.3%
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 1Y124.24%
FCF growth 3YN/A
FCF growth 5YN/A
OCF growth 1Y126.36%
OCF growth 3YN/A
OCF growth 5YN/A

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 6 / 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 1 / 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 23.9% in the next year.