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GuruFocus Financial Strength Rank measures how strong a company’s financial situation is. It is based on these factors

1. The debt burden that the company has as measured by its Interest coverage (current year).
2. Debt to revenue ratio. The lower, the better
3. Altman Z-score.

A company ranks high with financial strength is likely to withstand any business slowdowns and recessions.

Financial Strength : 6/10

vs
industry
vs
history
Cash to Debt 234.64
UMBF's Cash to Debt is ranked higher than
86% of the 1254 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.36 vs. UMBF: 234.64 )
UMBF' s 10-Year Cash to Debt Range
Min: 2.59   Max: 506.48
Current: 234.64

2.59
506.48
Equity to Asset 0.10
UMBF's Equity to Asset is ranked higher than
71% of the 1643 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.09 vs. UMBF: 0.10 )
UMBF' s 10-Year Equity to Asset Range
Min: 0.08   Max: 0.12
Current: 0.1

0.08
0.12
Interest Coverage 12.17
UMBF's Interest Coverage is ranked higher than
97% of the 1455 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.21 vs. UMBF: 12.17 )
UMBF' s 10-Year Interest Coverage Range
Min: 0.35   Max: 12.17
Current: 12.17

0.35
12.17
F-Score: 3
Z-Score: 0.27
GuruFocus Profitability Rank ranks how profitable a company is and how likely the company’s business will stay that way. It is based on these factors:

1. Operating Margin
2. Trend of the Operating Margin (5-year average). The company with an uptrend profit margin has a higher rank.
••3. Consistency of the profitability
4. Piotroski F-Score
5. Predictability Rank•

The maximum rank is 10. A rank of 7 or higher means a higher profitability and may stay that way. A rank of 3 or lower indicates that the company has had trouble to make a profit.

Profitability Rank is not directly related to the Financial Strength Rank. But if a company is consistently profitable, its financial strength will be stronger.

Profitability & Growth : 7/10

vs
industry
vs
history
Operating margin (%) 22.23
UMBF's Operating margin (%) is ranked higher than
64% of the 1599 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 29.41 vs. UMBF: 22.23 )
UMBF' s 10-Year Operating margin (%) Range
Min: 12.7   Max: 25.47
Current: 22.23

12.7
25.47
Net-margin (%) 16.24
UMBF's Net-margin (%) is ranked higher than
65% of the 1618 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 21.45 vs. UMBF: 16.24 )
UMBF' s 10-Year Net-margin (%) Range
Min: 10.52   Max: 17.13
Current: 16.24

10.52
17.13
ROE (%) 8.90
UMBF's ROE (%) is ranked higher than
78% of the 1620 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 8.17 vs. UMBF: 8.90 )
UMBF' s 10-Year ROE (%) Range
Min: 5.23   Max: 10.06
Current: 8.9

5.23
10.06
ROA (%) 0.79
UMBF's ROA (%) is ranked higher than
74% of the 1621 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.75 vs. UMBF: 0.79 )
UMBF' s 10-Year ROA (%) Range
Min: 0.55   Max: 0.89
Current: 0.79

0.55
0.89
ROC (Joel Greenblatt) (%) 73.46
UMBF's ROC (Joel Greenblatt) (%) is ranked higher than
74% of the 1574 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 73.99 vs. UMBF: 73.46 )
UMBF' s 10-Year ROC (Joel Greenblatt) (%) Range
Min: 22.87   Max: 73.46
Current: 73.46

22.87
73.46
Revenue Growth (%) 6.10
UMBF's Revenue Growth (%) is ranked higher than
87% of the 1437 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.00 vs. UMBF: 6.10 )
UMBF' s 10-Year Revenue Growth (%) Range
Min: -3.5   Max: 12.2
Current: 6.1

-3.5
12.2
EBITDA Growth (%) 10.00
UMBF's EBITDA Growth (%) is ranked higher than
77% of the 1277 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 6.50 vs. UMBF: 10.00 )
UMBF' s 10-Year EBITDA Growth (%) Range
Min: -7.9   Max: 15.5
Current: 10

-7.9
15.5
EPS Growth (%) 12.70
UMBF's EPS Growth (%) is ranked higher than
79% of the 1280 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 8.80 vs. UMBF: 12.70 )
UMBF' s 10-Year EPS Growth (%) Range
Min: -12.3   Max: 22.5
Current: 12.7

-12.3
22.5
» UMBF's 10-Y Financials

Financials


Revenue & Net Income
Equity & Asset
Oprt. Cash Flow & Free Cash Flow

» Details

Guru Trades

Q2 2013

UMBF Guru Trades in Q2 2013

Third Avenue Management 130,386 sh (New)
John Keeley 674,885 sh (+6.66%)
» More
Q3 2013

UMBF Guru Trades in Q3 2013

Paul Tudor Jones 8,600 sh (New)
Third Avenue Management 381,800 sh (+192.82%)
John Keeley 889,995 sh (+31.87%)
» More
Q4 2013

UMBF Guru Trades in Q4 2013

John Keeley 973,015 sh (+9.33%)
Third Avenue Management 399,649 sh (+4.67%)
Paul Tudor Jones 5,696 sh (-33.77%)
» More
Q1 2014

UMBF Guru Trades in Q1 2014

RS Investment Management 74,891 sh (New)
Third Avenue Management 503,860 sh (+26.08%)
John Keeley 976,976 sh (+0.41%)
Paul Tudor Jones Sold Out
» More
» Details

Insider Trades

Latest Guru Trades with UMBF

GuruDate Trades Impact to Portfolio Price Range * (?) Current Price Change from Average Current Shares
John Keeley 2013-09-30 Add 31.87%0.22%$52.34 - $61.79 $ 56.66-3%889995
John Keeley 2013-03-31 New Buy0.61%$43.74 - $49.17 $ 56.6624%632755
Premium More recent guru trades are included for Premium Members only!!
» Interactive Charts

Peter Lynch Chart ( What is Peter Lynch Charts )

Ratios

vs
industry
vs
history
P/E(ttm) 19.70
UMBF's P/E(ttm) is ranked higher than
65% of the 1834 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 15.40 vs. UMBF: 19.70 )
UMBF' s 10-Year P/E(ttm) Range
Min: 12.7   Max: 30.74
Current: 19.7

12.7
30.74
P/B 1.70
UMBF's P/B is ranked higher than
59% of the 1834 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.15 vs. UMBF: 1.70 )
UMBF' s 10-Year P/B Range
Min: 1.11   Max: 3.05
Current: 1.7

1.11
3.05
P/S 2.89
UMBF's P/S is ranked higher than
74% of the 1834 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 3.10 vs. UMBF: 2.89 )
UMBF' s 10-Year P/S Range
Min: 1.77   Max: 4.95
Current: 2.89

1.77
4.95
PFCF 11.50
UMBF's PFCF is ranked higher than
74% of the 1834 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 28.86 vs. UMBF: 11.50 )
UMBF' s 10-Year PFCF Range
Min: 6.57   Max: 106
Current: 11.5

6.57
106
EV-to-EBIT 7.18
UMBF's EV-to-EBIT is ranked higher than
92% of the 1834 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 18.41 vs. UMBF: 7.18 )
UMBF' s 10-Year EV-to-EBIT Range
Min: 0.1   Max: 17.8
Current: 7.18

0.1
17.8
PEG 2.00
UMBF's PEG is ranked higher than
79% of the 1834 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 7.10 vs. UMBF: 2.00 )
UMBF' s 10-Year PEG Range
Min: 1.2   Max: 64.86
Current: 2

1.2
64.86
Shiller P/E 20.90
UMBF's Shiller P/E is ranked higher than
83% of the 1834 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 140.07 vs. UMBF: 20.90 )
UMBF' s 10-Year Shiller P/E Range
Min: 14.65   Max: 42.38
Current: 20.9

14.65
42.38

Dividend & Buy Back

vs
industry
vs
history
Dividend Yield 1.57
UMBF's Dividend Yield is ranked lower than
68% of the 1402 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.45 vs. UMBF: 1.57 )
UMBF' s 10-Year Dividend Yield Range
Min: 0.91   Max: 2.43
Current: 1.57

0.91
2.43
Dividend Payout 0.31
UMBF's Dividend Payout is ranked higher than
84% of the 1834 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 9999.00 vs. UMBF: 0.31 )
UMBF' s 10-Year Dividend Payout Range
Min: 0.17   Max: 0.61
Current: 0.31

0.17
0.61
Dividend growth (3y) 5.10
UMBF's Dividend growth (3y) is ranked higher than
75% of the 956 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 5.60 vs. UMBF: 5.10 )
UMBF' s 10-Year Dividend growth (3y) Range
Min: 2.1   Max: 12.9
Current: 5.1

2.1
12.9
Yield on cost (5-Year) 2.06
UMBF's Yield on cost (5-Year) is ranked lower than
59% of the 1356 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.64 vs. UMBF: 2.06 )
UMBF' s 10-Year Yield on cost (5-Year) Range
Min: 1.17   Max: 3.13
Current: 2.06

1.17
3.13
Share Buyback Rate -1.00
UMBF's Share Buyback Rate is ranked higher than
76% of the 1237 Companies
in the Global Banks - Regional - US industry.

( Industry Median: -2.00 vs. UMBF: -1.00 )
UMBF' s 10-Year Share Buyback Rate Range
Min: 5.2   Max: -1
Current: -1

Valuation & Return

vs
industry
vs
history
Price/Tangible Book 2.10
UMBF's Price/Tangible Book is ranked higher than
59% of the 1834 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.35 vs. UMBF: 2.10 )
UMBF' s 10-Year Price/Tangible Book Range
Min: 0.93   Max: 2.79
Current: 2.1

0.93
2.79
Price/DCF (Projected) 0.90
UMBF's Price/DCF (Projected) is ranked higher than
77% of the 1834 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.56 vs. UMBF: 0.90 )
UMBF' s 10-Year Price/DCF (Projected) Range
Min: 0.37   Max: 1.09
Current: 0.9

0.37
1.09
Price/Median PS Value 1.00
UMBF's Price/Median PS Value is ranked higher than
78% of the 1834 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.11 vs. UMBF: 1.00 )
UMBF' s 10-Year Price/Median PS Value Range
Min: 0.57   Max: 1.32
Current: 1

0.57
1.32
Price/Peter Lynch Fair Value 2.50
UMBF's Price/Peter Lynch Fair Value is ranked higher than
85% of the 1834 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 9999.00 vs. UMBF: 2.50 )
UMBF' s 10-Year Price/Peter Lynch Fair Value Range
Min: 1.06   Max: 5.12
Current: 2.5

1.06
5.12
Price/Graham Number 1.40
UMBF's Price/Graham Number is ranked higher than
62% of the 1834 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.06 vs. UMBF: 1.40 )
UMBF' s 10-Year Price/Graham Number Range
Min: 0.6   Max: 1.64
Current: 1.4

0.6
1.64
Earnings Yield (Greenblatt) 13.60
UMBF's Earnings Yield (Greenblatt) is ranked higher than
90% of the 1581 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 6.90 vs. UMBF: 13.60 )
UMBF' s 10-Year Earnings Yield (Greenblatt) Range
Min: 5.6   Max: 4299.2
Current: 13.6

5.6
4299.2
Forward Rate of Return (Yacktman) 14.32
UMBF's Forward Rate of Return (Yacktman) is ranked higher than
73% of the 1259 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 15.45 vs. UMBF: 14.32 )
UMBF' s 10-Year Forward Rate of Return (Yacktman) Range
Min: 7.2   Max: 20.1
Current: 14.32

7.2
20.1

Business Description

Industry: Banks » Banks - Regional - US
Compare:MTB, USB, PNC, PB, CFR » details
UMB Financial Corporation was organized as a corporation in 1967, under Missouri law for the purpose of becoming a bank holding company registered under the Bank Holding Company Act of 1956. UMB Financial is a financial holding company under the Gramm-Leach-Bliley Act of 1999. The Company owns all of the outstanding stock of four commercial banks and 21 other subsidiaries. The Company's main subsidiary bank is UMB Bank. n.a. The banks offer a full range of banking services to commercial, retail, government and correspondent bank customers. In addition to standard banking functions, the bank provides international banking services, investment and cash management services, data processing services for correspondent banks and a full range of trust activities for individuals, estates, business corporations, governmental bodies and public authorities. The Company's products and services are grouped into three segments, Commercial Financial Services, Institutional Financial Services, and Personal Financial Services. Commercial Financial Services serves the commercial lending and leasing, capital markets, and treasury management needs of the Company's mid-market businesses and governmental entities by offering various products and services. Such services include commercial loans, letters of credit, loan syndication services, consultative services, and a variety of financial options for companies that need non-traditional banking services. Capital markets services include asset-based financing, asset securitization, equity and mezzanine financing, factoring, private and public placement of senior debt, as well as merger and acquisition consulting. Treasury management services include depository services, account reconciliation services, electronic fund transfer services, controlled disbursements, lockbox services, and remote deposit capture services. Institutional Financial Services is a combination of banking services, fund services, and asset management services provided to institutional clients. This segment also includes consumer and commercial credit card services in addition to healthcare services, mutual fund cash management, and international payments. Institutional Financial Services includes businesses such as the Company's institutional investment services functions, Scout Investment Advisors, UMB Fund Services, corporate trust and escrow services as well as correspondent banking, investment banking, and healthcare services. Products and services include bond trading transactions, cash letter collections, FiServ account processing, investment portfolio accounting and safekeeping, reporting for asset/liability management, and Fed funds transactions. UMB Fund Services provides fund administration and accounting, investor services and transfer agency, marketing and distribution, custody and alternative investment services. Personal Financial Services combines consumer services and asset management services provided to personal cl
» More Articles for UMBF

Headlines

Articles On GuruFocus.com
10 Dividend Contenders - Part XI May 06 2011 
UMB Financial Corp. Reports Operating Results (10-Q) Nov 04 2010 
UMB Financial Corp. Reports Operating Results (10-Q) Aug 04 2010 
UMB Financial Corp. (UMBF) Vice Chairman of Subsidiary Clyde F Wendel sells 1,685 Shares May 11 2010 
UMB Financial Corp. Reports Operating Results (10-Q) May 05 2010 
UMB Financial Corp. (UMBF) Chairman and CEO J Mariner Kemper sells 2,050 Shares Dec 15 2009 
UMB Financial Corp. (UMBF) Vice Chairman Peter J Genovese sells 1,454 Shares Dec 14 2009 
UMB Financial Corp. (UMBF) Chairman and CEO J Mariner Kemper sells 7,382 Shares Nov 24 2009 
UMB Financial Corp. (UMBF) Chairman and CEO J Mariner Kemper sells 5,618 Shares Nov 24 2009 
UMB Financial Corp. Reports Operating Results (10-Q) Nov 05 2009 


More From Other Websites
Nasdaq stocks posting largest volume increases Jul 24 2014
UMB FINANCIAL CORP Files SEC form 8-K/A, Regulation FD Disclosure, Financial Statements and Exhibits Jul 24 2014
UMB Financial Q2 Earnings in Line with Estimates, Rises Y/Y Jul 23 2014
UMB Financial Corporation Reports Second Quarter 2014 Earnings of $34.7 million, or $0.76 per... Jul 22 2014
UMB FINANCIAL CORP Files SEC form 8-K, Results of Operations and Financial Condition, Regulation FD... Jul 22 2014
UMB Financial Corporation Reports Second Quarter 2014 Earnings of $34.7 million, or $0.76 per... Jul 22 2014
Q2 2014 UMB Financial Corp Earnings Release - After Market Close Jul 22 2014
Will UMB Financial (UMBF) Surprise This Earnings Season? Jul 21 2014
UMB Announces Conference Call to Discuss Second Quarter Results Jul 07 2014
UMB Announces Conference Call to Discuss Second Quarter Results Jul 07 2014
UMB Financial downgraded to Underperform from Market Perform at Raymond James Jul 07 2014
UMB Financial in settlement agreement with P-Cap Holdings Jul 03 2014
UMB FINANCIAL CORP Files SEC form 8-K, Entry into a Material Definitive Agreement Jul 03 2014
UMB FINANCIAL CORP Files SEC form 8-K, Change in Directors or Principal Officers Jun 16 2014
UMB FINANCIAL CORP Files SEC form 8-K, Change in Directors or Principal Officers Jun 13 2014
UMB Fund Services Named a Top Workplace for Fifth Straight Year Jun 09 2014
Scout Investments Launches UCITS Umbrella to Expand Global Distribution Jun 03 2014
Scout Investments Awarded $400 Million Variable Annuity Mandate From Jackson National Life Insurance... May 15 2014
UMB FINANCIAL CORP Financials May 09 2014
UMB Bank Acquires RCB's Corporate Trust Business May 06 2014

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