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UMB FINANCIAL CORP (UMBF) Stock Fundamental Analysis

NASDAQ:UMBF - Nasdaq - US9027881088 - Common Stock - Currency: USD

110.35  +0.92 (+0.84%)

After market: 110.35 0 (0%)

Fundamental Rating

4

We assign a fundamental rating of 4 out of 10 to UMBF. UMBF was compared to 396 industry peers in the Banks industry. Both the profitability and financial health of UMBF have multiple concerns. UMBF is growing strongly while it is still valued neutral. This is a good combination!


Dividend Valuation Growth Profitability Health

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3

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.
Each year in the past 5 years UMBF had a positive operating cash flow.
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 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 200M 400M 600M

1.2 Ratios

The Return On Assets of UMBF (0.59%) is worse than 69.62% of its industry peers.
Looking at the Return On Equity, with a value of 6.08%, UMBF is doing worse than 70.13% of the companies in the same industry.
Industry RankSector Rank
ROA 0.59%
ROE 6.08%
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
UMBF Yearly ROA, ROE, ROICUMBF Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 5 10 15

1.3 Margins

UMBF has a Profit Margin of 22.87%. This is comparable to the rest of the industry: UMBF outperforms 45.32% 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) 22.87%
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
UMBF Yearly Profit, Operating, Gross MarginsUMBF Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 5 10 15 20 25

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1

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
The number of shares outstanding for UMBF has been reduced compared to 5 years ago.
The debt/assets ratio for UMBF has been reduced compared to a year ago.
UMBF Yearly Shares OutstandingUMBF Yearly Shares OutstandingYearly Shares Outstanding 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 10M 20M 30M 40M
UMBF Yearly Total Debt VS Total AssetsUMBF Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 10B 20B 30B 40B 50B

2.2 Solvency

The Debt to FCF ratio of UMBF is 6.41, which is on the high side as it means it would take UMBF, 6.41 years of fcf income to pay off all of its debts.
The Debt to FCF ratio of UMBF (6.41) is worse than 73.92% of its industry peers.
UMBF has a Debt/Equity ratio of 0.48. This is a healthy value indicating a solid balance between debt and equity.
Looking at the Debt to Equity ratio, with a value of 0.48, UMBF is doing worse than 78.48% of the companies in the same industry.
Industry RankSector Rank
Debt/Equity 0.48
Debt/FCF 6.41
Altman-Z N/A
ROIC/WACCN/A
WACC14.52%
UMBF Yearly LT Debt VS Equity VS FCFUMBF Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 1B 2B 3B

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 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 1B 2B 3B 4B

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8

3. Growth

3.1 Past

The Earnings Per Share has grown by an impressive 24.04% 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 12.68% yearly.
Looking at the last year, UMBF shows a very strong growth in Revenue. The Revenue has grown by 20.51%.
Measured over the past years, UMBF shows a quite strong growth in Revenue. The Revenue has been growing by 8.22% on average per year.
EPS 1Y (TTM)24.04%
EPS 3Y7.51%
EPS 5Y12.68%
EPS Q2Q%14.67%
Revenue 1Y (TTM)20.51%
Revenue growth 3Y8.29%
Revenue growth 5Y8.22%
Sales Q2Q%41.43%

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 10.77% on average per year.
UMBF is expected to show a strong growth in Revenue. In the coming years, the Revenue will grow by 21.16% yearly.
EPS Next Y13.49%
EPS Next 2Y12.61%
EPS Next 3Y10.77%
EPS Next 5YN/A
Revenue Next Year56.14%
Revenue Next 2Y29.71%
Revenue Next 3Y21.16%
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.
UMBF Yearly Revenue VS EstimatesUMBF Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2014 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 500M 1B 1.5B 2B 2.5B
UMBF Yearly EPS VS EstimatesUMBF Yearly EPS VS EstimatesYearly EPS VS Estimates 2014 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 2 4 6 8 10

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5

4. Valuation

4.1 Price/Earnings Ratio

Based on the Price/Earnings ratio of 11.81, the valuation of UMBF can be described as reasonable.
Compared to the rest of the industry, the Price/Earnings ratio of UMBF indicates a somewhat cheap valuation: UMBF is cheaper than 63.29% of the companies listed in the same industry.
UMBF is valuated cheaply when we compare the Price/Earnings ratio to 27.45, which is the current average of the S&P500 Index.
With a Price/Forward Earnings ratio of 9.66, the valuation of UMBF can be described as very reasonable.
Based on the Price/Forward Earnings ratio, UMBF is valued a bit cheaper than 61.52% of the companies in the same industry.
Compared to an average S&P500 Price/Forward Earnings ratio of 21.90, UMBF is valued rather cheaply.
Industry RankSector Rank
PE 11.81
Fwd PE 9.66
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 more expensive than 65.57% of the companies in the same industry.
Industry RankSector Rank
P/FCF 16.71
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.
PEG (NY)0.88
PEG (5Y)0.93
EPS Next 2Y12.61%
EPS Next 3Y10.77%

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5

5. Dividend

5.1 Amount

With a Yearly Dividend Yield of 1.45%, UMBF has a reasonable but not impressive dividend return.
Compared to an average industry Dividend Yield of 3.40, UMBF is paying slightly less dividend.
Compared to the average S&P500 Dividend Yield of 2.38, UMBF is paying slightly less dividend.
Industry RankSector Rank
Dividend Yield 1.45%

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
UMBF Yearly Dividends per shareUMBF Yearly Dividends per shareYearly Dividends per share 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 0.5 1 1.5

5.3 Sustainability

UMBF pays out 21.50% 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.
DP21.5%
EPS Next 2Y12.61%
EPS Next 3Y10.77%
UMBF Yearly Income VS Free CF VS DividendUMBF Yearly Income VS Free CF VS DividendYearly Income VS Free CF VS Dividend 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 200M 400M 600M
UMBF Dividend Payout.UMBF Dividend Payout, showing the Payout Ratio.UMBF Dividend Payout.PayoutRetained Earnings

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UMB FINANCIAL CORP

NASDAQ:UMBF (7/3/2025, 8:14:52 PM)

After market: 110.35 0 (0%)

110.35

+0.92 (+0.84%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)04-29 2025-04-29/amc
Earnings (Next)07-29 2025-07-29/amc
Inst Owners88.88%
Inst Owner Change30.7%
Ins Owners5.52%
Ins Owner Change14.37%
Market Cap8.38B
Analysts81.25
Price Target122.71 (11.2%)
Short Float %2.77%
Short Ratio3.28
Dividend
Industry RankSector Rank
Dividend Yield 1.45%
Yearly Dividend1.58
Dividend Growth(5Y)5.5%
DP21.5%
Div Incr Years29
Div Non Decr Years29
Ex-Date06-10 2025-06-10 (0.4)
Surprises & Revisions
EPS beat(2)2
Avg EPS beat(2)10.59%
Min EPS beat(2)5.94%
Max EPS beat(2)15.25%
EPS beat(4)4
Avg EPS beat(4)5.63%
Min EPS beat(4)0.32%
Max EPS beat(4)15.25%
EPS beat(8)6
Avg EPS beat(8)3.97%
EPS beat(12)8
Avg EPS beat(12)5.15%
EPS beat(16)10
Avg EPS beat(16)4.94%
Revenue beat(2)1
Avg Revenue beat(2)1.16%
Min Revenue beat(2)-1.12%
Max Revenue beat(2)3.44%
Revenue beat(4)1
Avg Revenue beat(4)0.37%
Min Revenue beat(4)-1.12%
Max Revenue beat(4)3.44%
Revenue beat(8)3
Avg Revenue beat(8)-0.15%
Revenue beat(12)4
Avg Revenue beat(12)0.35%
Revenue beat(16)5
Avg Revenue beat(16)0.13%
PT rev (1m)-0.17%
PT rev (3m)-12.4%
EPS NQ rev (1m)-0.13%
EPS NQ rev (3m)4.65%
EPS NY rev (1m)-0.2%
EPS NY rev (3m)6.97%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)1.16%
Revenue NY rev (1m)0.08%
Revenue NY rev (3m)0.86%
Valuation
Industry RankSector Rank
PE 11.81
Fwd PE 9.66
P/S 4.67
P/FCF 16.71
P/OCF 15.74
P/B 1.24
P/tB 1.91
EV/EBITDA N/A
EPS(TTM)9.34
EY8.46%
EPS(NY)11.43
Fwd EY10.35%
FCF(TTM)6.61
FCFY5.99%
OCF(TTM)7.01
OCFY6.35%
SpS23.63
BVpS88.89
TBVpS57.86
PEG (NY)0.88
PEG (5Y)0.93
Profitability
Industry RankSector Rank
ROA 0.59%
ROE 6.08%
ROCE N/A
ROIC N/A
ROICexc N/A
ROICexgc N/A
OM N/A
PM (TTM) 22.87%
GM N/A
FCFM 27.95%
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
ROICexcg growth 3YN/A
ROICexcg 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-Score4
Asset Turnover0.03
Health
Industry RankSector Rank
Debt/Equity 0.48
Debt/FCF 6.41
Debt/EBITDA N/A
Cap/Depr 44.87%
Cap/Sales 1.71%
Interest Coverage N/A
Cash Conversion N/A
Profit Quality 122.23%
Current Ratio N/A
Quick Ratio N/A
Altman-Z N/A
F-Score4
WACC14.52%
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)24.04%
EPS 3Y7.51%
EPS 5Y12.68%
EPS Q2Q%14.67%
EPS Next Y13.49%
EPS Next 2Y12.61%
EPS Next 3Y10.77%
EPS Next 5YN/A
Revenue 1Y (TTM)20.51%
Revenue growth 3Y8.29%
Revenue growth 5Y8.22%
Sales Q2Q%41.43%
Revenue Next Year56.14%
Revenue Next 2Y29.71%
Revenue Next 3Y21.16%
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 1Y-4.05%
FCF growth 3Y-26.21%
FCF growth 5Y-5.56%
OCF growth 1Y-7.48%
OCF growth 3Y-25%
OCF growth 5Y-7.9%