UMB FINANCIAL CORP (UMBF)
US9027881088 - Common Stock
UMBF gets a fundamental rating of 4 out of 10. The analysis compared the fundamentals against 404 industry peers in the Banks industry. UMBF has a medium profitability rating, but doesn't score so well on its financial health evaluation. 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.
UMBF had a positive operating cash flow in the past year.
In the past 5 years UMBF has always been profitable.
In the past 5 years UMBF always reported a positive cash flow from operatings.
1.2 Ratios
UMBF has a Return On Assets (0.83%) which is in line with its industry peers.
Looking at the Return On Equity, with a value of 11.09%, UMBF is in the better half of the industry, outperforming 75.81% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 0.83% | ||
| ROE | 11.09% | ||
| ROIC | N/A |
ROA(3y)0.91%
ROA(5y)0.91%
ROE(3y)12.9%
ROE(5y)11.51%
ROIC(3y)N/A
ROIC(5y)N/A
1.3 Margins
With a decent Profit Margin value of 25.05%, UMBF is doing good in the industry, outperforming 62.84% of the companies in the same industry.
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) | 25.05% | ||
| GM | N/A |
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y2.57%
PM growth 5Y4.39%
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.
The number of shares outstanding for UMBF has been increased compared to 1 year ago.
Compared to 5 years ago, UMBF has less shares outstanding
UMBF has a worse debt/assets ratio than last year.
2.2 Solvency
UMBF has a debt to FCF ratio of 8.93. This is a slightly negative value and a sign of low solvency as UMBF would need 8.93 years to pay back of all of its debts.
With a Debt to FCF ratio value of 8.93, UMBF is not doing good in the industry: 72.82% of the companies in the same industry are doing better.
A Debt/Equity ratio of 0.91 indicates that UMBF is somewhat dependend on debt financing.
UMBF has a Debt to Equity ratio of 0.91. This is amonst the worse of the industry: UMBF underperforms 84.29% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.91 | ||
| Debt/FCF | 8.93 | ||
| Altman-Z | N/A |
ROIC/WACCN/A
WACC13.3%
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 been growing slightly by 2.95% over the past year.
The Earnings Per Share has been growing by 12.81% on average over the past years. This is quite good.
Looking at the last year, UMBF shows a small growth in Revenue. The Revenue has grown by 7.09% in the last year.
The Revenue has been growing slightly by 7.63% on average over the past years.
EPS 1Y (TTM)2.95%
EPS 3Y20.54%
EPS 5Y12.81%
EPS Q2Q%13.64%
Revenue 1Y (TTM)7.09%
Revenue growth 3Y4.22%
Revenue growth 5Y7.63%
Sales Q2Q%14.21%
3.2 Future
The Earnings Per Share is expected to grow by 17.37% on average over the next years. This is quite good.
The Revenue is expected to grow by 22.16% on average over the next years. This is a very strong growth
EPS Next Y25.44%
EPS Next 2Y14.52%
EPS Next 3Y17.37%
EPS Next 5YN/A
Revenue Next Year9.82%
Revenue Next 2Y26.72%
Revenue Next 3Y22.16%
Revenue Next 5YN/A
3.3 Evolution
The EPS growth rate is accelerating: in the next years the growth will be better than in the last 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 accelerating.
4. Valuation
4.1 Price/Earnings Ratio
UMBF is valuated correctly with a Price/Earnings ratio of 15.15.
UMBF's Price/Earnings is on the same level as the industry average.
When comparing the Price/Earnings ratio of UMBF to the average of the S&P500 Index (28.53), we can say UMBF is valued slightly cheaper.
A Price/Forward Earnings ratio of 12.90 indicates a correct valuation of UMBF.
Compared to the rest of the industry, the Price/Forward Earnings ratio of UMBF is on the same level as its industry peers.
When comparing the Price/Forward Earnings ratio of UMBF to the average of the S&P500 Index (23.40), we can say UMBF is valued slightly cheaper.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 15.15 | ||
| Fwd PE | 12.9 |
4.2 Price Multiples
Based on the Price/Free Cash Flow ratio, UMBF is valued a bit more expensive than 62.34% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 16.5 | ||
| EV/EBITDA | N/A |
4.3 Compensation for Growth
The 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 17.37% in the coming years.
PEG (NY)0.6
PEG (5Y)1.18
EPS Next 2Y14.52%
EPS Next 3Y17.37%
5. Dividend
5.1 Amount
UMBF has a Yearly Dividend Yield of 1.30%.
UMBF's Dividend Yield is slightly below the industry average, which is at 3.02.
With a Dividend Yield of 1.30, UMBF pays less dividend than the S&P500 average, which is at 2.22.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 1.3% |
5.2 History
The dividend of UMBF has a limited annual growth rate of 5.48%.
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)5.48%
Div Incr Years28
Div Non Decr Years28
5.3 Sustainability
19.52% 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.
DP19.52%
EPS Next 2Y14.52%
EPS Next 3Y17.37%
UMB FINANCIAL CORP
NASDAQ:UMBF (11/15/2024, 8:00:01 PM)
After market: 121.49 0 (0%)121.49
-1.37 (-1.12%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)
Earnings (Next)
Inst Owners
Inst Owner Change
Ins Owners
Ins Owner Change
Market Cap5.93B
Analysts
Price Target
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 1.3% |
Dividend Growth(5Y)
DP
Div Incr Years
Div Non Decr Years
Ex-Date
Surprises & Revisions
EPS beat(2)
Avg EPS beat(2)
Min EPS beat(2)
Max EPS beat(2)
EPS beat(4)
Avg EPS beat(4)
Min EPS beat(4)
Max EPS beat(4)
EPS beat(8)
Avg EPS beat(8)
EPS beat(12)
Avg EPS beat(12)
EPS beat(16)
Avg EPS beat(16)
Revenue beat(2)
Avg Revenue beat(2)
Min Revenue beat(2)
Max Revenue beat(2)
Revenue beat(4)
Avg Revenue beat(4)
Min Revenue beat(4)
Max Revenue beat(4)
Revenue beat(8)
Avg Revenue beat(8)
Revenue beat(12)
Avg Revenue beat(12)
Revenue beat(16)
Avg Revenue beat(16)
PT rev (1m)
PT rev (3m)
EPS NQ rev (1m)
EPS NQ rev (3m)
EPS NY rev (1m)
EPS NY rev (3m)
Revenue NQ rev (1m)
Revenue NQ rev (3m)
Revenue NY rev (1m)
Revenue NY rev (3m)
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 15.15 | ||
| Fwd PE | 12.9 | ||
| P/S | |||
| P/FCF | |||
| P/OCF | |||
| P/B | |||
| P/tB | |||
| EV/EBITDA |
EPS(TTM)
EY
EPS(NY)
Fwd EY
FCF(TTM)
FCFY
OCF(TTM)
OCFY
SpS
BVpS
TBVpS
PEG (NY)0.6
PEG (5Y)1.18
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 0.83% | ||
| ROE | 11.09% | ||
| ROCE | |||
| ROIC | |||
| ROICexc | |||
| ROICexgc | |||
| OM | N/A | ||
| PM (TTM) | 25.05% | ||
| GM | N/A | ||
| FCFM |
ROA(3y)
ROA(5y)
ROE(3y)
ROE(5y)
ROIC(3y)
ROIC(5y)
ROICexc(3y)
ROICexc(5y)
ROICexgc(3y)
ROICexgc(5y)
ROCE(3y)
ROCE(5y)
ROICexcg growth 3Y
ROICexcg growth 5Y
ROICexc growth 3Y
ROICexc growth 5Y
OM growth 3Y
OM growth 5Y
PM growth 3Y
PM growth 5Y
GM growth 3Y
GM growth 5Y
F-Score
Asset Turnover0.03
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.91 | ||
| Debt/FCF | |||
| Debt/EBITDA | |||
| Cap/Depr | |||
| Cap/Sales | |||
| Interest Coverage | |||
| Cash Conversion | |||
| Profit Quality | |||
| Current Ratio | N/A | ||
| Quick Ratio | N/A | ||
| Altman-Z |
F-Score
WACC
ROIC/WACC
Cap/Depr(3y)
Cap/Depr(5y)
Cap/Sales(3y)
Cap/Sales(5y)
Profit Quality(3y)
Profit Quality(5y)
High Growth Momentum
Growth
EPS 1Y (TTM)2.95%
EPS 3Y20.54%
EPS 5Y
EPS Q2Q%
EPS Next Y25.44%
EPS Next 2Y
EPS Next 3Y
EPS Next 5Y
Revenue 1Y (TTM)7.09%
Revenue growth 3Y4.22%
Revenue growth 5Y
Sales Q2Q%
Revenue Next Year
Revenue Next 2Y
Revenue Next 3Y
Revenue Next 5Y
EBIT growth 1Y
EBIT growth 3Y
EBIT growth 5Y
EBIT Next Year
EBIT Next 3Y
EBIT Next 5Y
FCF growth 1Y
FCF growth 3Y
FCF growth 5Y
OCF growth 1Y
OCF growth 3Y
OCF growth 5Y