NASDAQ
UMBF
Last Price
US $142.76
KEY FIGURES
MKT CAP
$11.0B
EPS
TTM
$11.60
PEG
TTM
0.31x
P/E
TTM
12.78x
P/S
TTM
2.48x
YIELD
1.17%
GROWTH
Revenue Y/Y
Profit margin
Current Ratio
Capital Returns
11.67%
Return on equity
ROIC: 1.02%
Valuation History
12.8X
Price to Earnings
EV/EBITDA: 13.2X
Cash flow
Profit margin
27.96%
(FY vs FY)
EBITDA Y/Y
21.42%
(FY vs FY)
Cash flow Y/Y
25.56%
(FY vs FY)
Cash Flow (DCF)
Fair Value
Market $142.76
33.55%
Default assumptions
EBITDA Multiple
Fair Value
Market $142.76
-57.91%
Default assumptions
Base valuations use default assumptions. Customize in the Valuator.
Valuation
Financial
Performance
Financial stability - Cash flow debt coverage.
UMB Financial Corporation cash flow to debt ratio of 27.02% indicates that the company generates enough cash to cover its debts. This level indicates strong financial health.
Financial stability - Healthy cash flow growth.
UMB Financial Corporation's free cash flow has increased 386.43% from $201.08M last year to $978.11M, signaling increasing performance
Financial stability - Healthy debt to equity ratio.
UMB Financial Corporation's debt to equity ratio is 0.51, which means that the company's assets are healthy financed, signaling financial stability. READ MORE: A ratio under 0.60 means the company finances its assets with own equity, signaling financial stability and good management.
Financial stability - Healthy debt to equity ratio development.
UMB Financial Corporation's debt has decreased relative to shareholder equity from 0.86 last year to 0.51 today, signaling strengthened financials
Financial stability - Net debt/EBITDA.
UMB Financial Corporation has a net debt to EBITDA ratio of 2.69x, which is below the 3.00x threshold, indicating healthy leverage and financial stability
Financial stability - ICR.
UMB Financial Corporation earns at least as much interest as it pays. Interest obligations are fully covered.
Financial stability - Profit margin growth.
UMB Financial Corporation's profit margin has increased (18.24%) in the last year from 16.73% to 19.79%, signaling increasing performance
Financial risk - Short term assets vs short term liabilities.
UMB Financial Corporation's short-term liabilities of $64.93G exceed its short-term assets of $952.55M, signaling financial risk
Decreasing performance - ROA.
UMB Financial Corporation's return on assets of 1.21% is lower than the 5.00% threshold, indicating inefficient asset utilization
Decreasing performance - Absolute return on equity.
UMB Financial Corporation's return on equity of 11.67%, is lower than 15.00%, indicating bad performance
Increasing performance - Earnings quality.
UMB Financial Corporation's operating cash flow exceeds its net income, indicating high-quality earnings backed by actual cash generation
Increasing performance - Earnings stability.
UMB Financial Corporation had positive net income in 5.00 out of 5 years, indicating stable and consistent earnings
Increasing performance - Free cash flow.
UMB Financial Corporation has positive free cash flow, indicating the company generates cash after capital expenditures
Increasing performance - FCF yield.
UMB Financial Corporation has a free cash flow yield of 8.88%, which is above the 2.00% threshold, indicating strong cash generation relative to market value
Increasing performance - Healthy earnings growth.
UMB Financial Corporation's yearly earnings has increased 59.19% since last year from $441.24M to $702.40M, signaling increasing performance
Increasing performance - Healthy revenue growth.
UMB Financial Corporation's yearly revenue has increased 68.52% since last year from $2.64G to $4.44G, signaling increasing performance
Decreasing performance - ROIC.
ROIC 1.02% (Source: FMP key-metrics). Below the 5% partial-credit threshold. Score: 0 of 2. The 5% and 10% cutoffs anchor to typical US weighted-average cost of capital. Below 5% indicates the company is not generating returns above its likely cost of capital under this definition of invested capital. Invested capital here includes equity, non-current liabilities (pension obligations, deferred taxes, lease obligations), and short-term debt. Cash is not subtracted. Companies with substantial float, lease portfolios, or cash holdings will score lower under this definition than under narrower operating-capital definitions. See methodology.
Increasing performance - 3-year revenue CAGR.
UMB Financial Corporation's 3-year revenue CAGR of 41.06% is positive, indicating growing revenue over the past 3 years
Increasing performance - Revenue consistency.
UMB Financial Corporation had revenue growth in 4.00 out of 5 years, indicating consistent revenue performance
Increasing performance - ROE consistency.
UMB Financial Corporation had positive ROE in 5.00 out of 5 years, indicating consistent and reliable returns on equity
Undervalued - DCF valuation.
UMB Financial Corporation is undervalued relative to its fair value price of 190.65 based on Discounted Cash Flow model
Undervalued - Earnings yield.
UMB Financial Corporation has an earnings yield of 8.00%, which is above the 4.00% threshold, indicating the stock offers reasonable value relative to its earnings
Overvalued - EBITDA valuation.
UMB Financial Corporation is overvalued relative to its fair value price of 60.09 based on EBITDA multiple model
Undervalued - EV/EBITDA.
UMB Financial Corporation has an EV/EBITDA ratio of 13.15x, which is below the 20.00x threshold, indicating reasonable valuation relative to its operating earnings
Undervalued - PEG ratio value.
UMB Financial Corporation has a PEG-ratio under 1 which is considered undervalued
Undervalued - P/B ratio.
UMB Financial Corporation has a price-to-book ratio of 1.41x, which is below the 5.00x threshold, indicating reasonable valuation relative to its book value
Undervalued - P/S ratio.
UMB Financial Corporation has a price-to-sales ratio of 2.47x, which is below the 8.00x threshold, indicating reasonable valuation relative to its revenue