132.6 USD
-0.27 (-0.2%)
Last: Feb 11, 2026, 10:14 AM
UMBF gets a fundamental rating of 4 out of 10. The analysis compared the fundamentals against 381 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.
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.
- Of the past 5 years UMBF 4 years had a positive operating cash flow.
1.2 Ratios
- UMBF has a Return On Assets (0.83%) which is in line with its industry peers.
- The Return On Equity of UMBF (7.99%) is comparable to the rest of the industry.
| Industry Rank | Sector 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
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-4.25%
PM growth 5Y3.08%
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 more 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 worse Debt to FCF ratio (4.11) than 68.24% of its industry peers.
- A Debt/Equity ratio of 0.44 indicates that UMBF is not too dependend on debt financing.
- Looking at the Debt to Equity ratio, with a value of 0.44, UMBF is doing worse than 73.49% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.44 | ||
| Debt/FCF | 4.11 | ||
| Altman-Z | N/A |
ROIC/WACCN/A
WACC13.72%
2.3 Liquidity
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | N/A | ||
| Quick Ratio | N/A |
3. Growth
3.1 Past
- The Earnings Per Share has grown by an nice 9.43% over the past year.
- UMBF shows quite a strong growth in Earnings Per Share. Measured over the last years, the EPS has been growing by 19.18% yearly.
- The Revenue has grown by 62.81% in the past year. This is a very strong growth!
- Measured over the past years, UMBF shows a quite strong growth in Revenue. The Revenue has been growing by 15.48% on average per year.
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
- The Earnings Per Share is expected to grow by 13.87% on average over the next years. This is quite good.
- 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 Year10.65%
Revenue Next 2Y8.48%
Revenue Next 3Y7.3%
Revenue Next 5YN/A
3.3 Evolution
- Although the future EPS growth is still strong, it is not able to hold up the even more excellent growth rate of 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.
4. Valuation
4.1 Price/Earnings Ratio
- The Price/Earnings ratio is 13.45, which indicates a correct 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.
- When comparing the Price/Earnings ratio of UMBF to the average of the S&P500 Index (28.03), we can say UMBF is valued rather cheaply.
- A Price/Forward Earnings ratio of 10.85 indicates a reasonable valuation of UMBF.
- UMBF's Price/Forward Earnings is on the same level as the industry average.
- UMBF is valuated cheaply when we compare the Price/Forward Earnings ratio to 27.97, which is the current average of the S&P500 Index.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 13.45 | ||
| Fwd PE | 10.85 |
4.2 Price Multiples
- The rest of the industry has a similar Price/Free Cash Flow ratio as UMBF.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 12.5 | ||
| EV/EBITDA | N/A |
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.
- A more expensive valuation may be justified as UMBF's earnings are expected to grow with 13.87% in the coming years.
PEG (NY)0.56
PEG (5Y)0.7
EPS Next 2Y16.68%
EPS Next 3Y13.87%
5. Dividend
5.1 Amount
- UMBF has a Yearly Dividend Yield of 1.30%. Purely for dividend investing, there may be better candidates out there.
- UMBF's Dividend Yield is slightly below the industry average, which is at 2.53.
- Compared to the average S&P500 Dividend Yield of 1.80, UMBF is paying slightly less dividend.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 1.3% |
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
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 2Y16.68%
EPS Next 3Y13.87%
NASDAQ:UMBF (2/11/2026, 10:14:56 AM)
132.6
-0.27 (-0.2%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)01-27 2026-01-27/amc
Earnings (Next)04-27 2026-04-27
Inst Owners94.22%
Inst Owner Change-1.32%
Ins Owners5.51%
Ins Owner Change-0.98%
Market Cap10.07B
Revenue(TTM)2.65B
Net Income(TTM)595.07M
Analysts82.11
Price Target147.9 (11.54%)
Short Float %3.92%
Short Ratio5.63
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 1.3% |
Yearly Dividend1.58
Dividend Growth(5Y)5.5%
DP19.25%
Div Incr Years29
Div Non Decr Years29
Ex-Date03-10 2026-03-10 (0.43)
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)4.78%
PT rev (3m)4.37%
EPS NQ rev (1m)0.49%
EPS NQ rev (3m)-2.02%
EPS NY rev (1m)4.17%
EPS NY rev (3m)4.46%
Revenue NQ rev (1m)0.08%
Revenue NQ rev (3m)0%
Revenue NY rev (1m)2.62%
Revenue NY rev (3m)3.05%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 13.45 | ||
| Fwd PE | 10.85 | ||
| P/S | 4.26 | ||
| P/FCF | 12.5 | ||
| P/OCF | 11.8 | ||
| P/B | 1.35 | ||
| P/tB | 1.98 | ||
| EV/EBITDA | N/A |
EPS(TTM)9.86
EY7.44%
EPS(NY)12.22
Fwd EY9.21%
FCF(TTM)10.61
FCFY8%
OCF(TTM)11.24
OCFY8.48%
SpS31.15
BVpS98.01
TBVpS67.11
PEG (NY)0.56
PEG (5Y)0.7
Graham Number147.46
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)0.87%
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 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-Score8
WACC13.72%
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 Year10.65%
Revenue Next 2Y8.48%
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 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.
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.