UMB FINANCIAL CORP (UMBF) Stock Fundamental Analysis
USA - NASDAQ:UMBF - US9027881088 - Common Stock
108.4 USD
-0.63 (-0.58%)
108.4 USD
0 (0%)
Overall UMBF gets a fundamental rating of 4 out of 10. We evaluated UMBF against 388 industry peers in the Banks industry. UMBF may be in some trouble as it scores bad on both profitability and health. UMBF is not overvalued while it is showing excellent growth. This is an interesting combination.
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.
Each year in the past 5 years UMBF has been profitable.
Each year in the past 5 years UMBF had a positive operating cash flow.
1.2 Ratios
The Return On Assets of UMBF (0.83%) 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
With a Profit Margin value of 25.16%, UMBF perfoms like the industry average, outperforming 59.79% of the companies in the same industry.
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 63.92% of its industry peers.
A Debt/Equity ratio of 0.44 indicates that UMBF is not too dependend on debt financing.
UMBF has a worse Debt to Equity ratio (0.44) than 75.77% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.44 | ||
| Debt/FCF | 4.11 | ||
| Altman-Z | N/A |
ROIC/WACCN/A
WACC14.42%
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 19.20% over the past year.
Measured over the past years, UMBF shows a quite strong growth in Earnings Per Share. The EPS has been growing by 12.68% on average per year.
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 12.65% on average per year.
Based on estimates for the next years, UMBF will show a very strong growth in Revenue. The Revenue will grow by 22.88% on average per year.
EPS Next Y5.77%
EPS Next 2Y13.93%
EPS Next 3Y12.65%
EPS Next 5YN/A
Revenue Next Year60.95%
Revenue Next 2Y31.76%
Revenue Next 3Y22.88%
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.
The Revenue growth rate is accelerating: in the next years the growth will be better than in the last years.
4. Valuation
4.1 Price/Earnings Ratio
The Price/Earnings ratio is 11.34, which indicates a very decent valuation of UMBF.
The rest of the industry has a similar Price/Earnings ratio as UMBF.
Compared to an average S&P500 Price/Earnings ratio of 25.89, UMBF is valued rather cheaply.
Based on the Price/Forward Earnings ratio of 9.27, the valuation of UMBF can be described as reasonable.
Compared to the rest of the industry, the Price/Forward Earnings ratio of UMBF indicates a somewhat cheap valuation: UMBF is cheaper than 61.86% of the companies listed in the same industry.
The average S&P500 Price/Forward Earnings ratio is at 34.59. UMBF is valued rather cheaply when compared to this.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 11.34 | ||
| Fwd PE | 9.27 |
4.2 Price Multiples
64.18% of the companies in the same industry are more expensive than UMBF, based on the Price/Free Cash Flow ratio.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 10.22 | ||
| 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.
UMBF's earnings are expected to grow with 12.65% in the coming years. This may justify a more expensive valuation.
PEG (NY)1.97
PEG (5Y)0.89
EPS Next 2Y13.93%
EPS Next 3Y12.65%
5. Dividend
5.1 Amount
UMBF has a Yearly Dividend Yield of 1.61%.
Compared to an average industry Dividend Yield of 3.38, UMBF is paying slightly less dividend.
Compared to the average S&P500 Dividend Yield of 2.36, UMBF is paying slightly less dividend.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 1.61% |
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 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.
The dividend of UMBF is growing, but earnings are growing more, so the dividend growth is sustainable.
DP19.25%
EPS Next 2Y13.93%
EPS Next 3Y12.65%
108.4
-0.63 (-0.58%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)
Earnings (Next)
Inst Owners92.56%
Inst Owner Change-0.14%
Ins Owners5.51%
Ins Owner Change-0.13%
Market Cap8.23B
Revenue(TTM)2.37B
Net Income(TTM)595.07M
Analysts81.05
Price Target141.7 (30.72%)
Short Float %3.38%
Short Ratio5.13
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 1.61% |
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)3.29%
PT rev (3m)5.61%
EPS NQ rev (1m)3.39%
EPS NQ rev (3m)-0.75%
EPS NY rev (1m)-0.5%
EPS NY rev (3m)-6.78%
Revenue NQ rev (1m)0.82%
Revenue NQ rev (3m)0.47%
Revenue NY rev (1m)0.49%
Revenue NY rev (3m)3.04%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 11.34 | ||
| Fwd PE | 9.27 | ||
| P/S | 3.48 | ||
| P/FCF | 10.22 | ||
| P/OCF | 9.64 | ||
| P/B | 1.11 | ||
| P/tB | 1.61 | ||
| EV/EBITDA | N/A |
EPS(TTM)9.56
EY8.82%
EPS(NY)11.69
Fwd EY10.79%
FCF(TTM)10.61
FCFY9.79%
OCF(TTM)11.24
OCFY10.37%
SpS31.15
BVpS98.04
TBVpS67.13
PEG (NY)1.97
PEG (5Y)0.89
Graham Number145.22
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
WACC14.42%
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 Y5.77%
EPS Next 2Y13.93%
EPS Next 3Y12.65%
EPS Next 5YN/A
Revenue 1Y (TTM)51.1%
Revenue growth 3Y8.29%
Revenue growth 5Y8.22%
Sales Q2Q%67.03%
Revenue Next Year60.95%
Revenue Next 2Y31.76%
Revenue Next 3Y22.88%
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 5.77% in the next year.