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Also traded in: Germany

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 8.06
UMBF's Cash to Debt is ranked higher than
57% of the 1161 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.56 vs. UMBF: 8.06 )
Ranked among companies with meaningful Cash to Debt only.
UMBF' s Cash to Debt Range Over the Past 10 Years
Min: 3.95  Med: 17.03 Max: 506.48
Current: 8.06
3.95
506.48
Equity to Asset 0.10
UMBF's Equity to Asset is ranked lower than
53% of the 1653 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.10 vs. UMBF: 0.10 )
Ranked among companies with meaningful Equity to Asset only.
UMBF' s Equity to Asset Range Over the Past 10 Years
Min: 0.08  Med: 0.09 Max: 0.11
Current: 0.1
0.08
0.11
Interest Coverage 7.53
UMBF's Interest Coverage is ranked higher than
90% of the 1537 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.64 vs. UMBF: 7.53 )
Ranked among companies with meaningful Interest Coverage only.
UMBF' s Interest Coverage Range Over the Past 10 Years
Min: 0.54  Med: 4.51 Max: 12.17
Current: 7.53
0.54
12.17
F-Score: 4
M-Score: -5.08
WACC vs ROIC
8.14%
13.64%
WACC
ROIC
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 : 6/10

vs
industry
vs
history
Operating margin (%) 17.79
UMBF's Operating margin (%) is ranked lower than
78% of the 1671 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 31.24 vs. UMBF: 17.79 )
Ranked among companies with meaningful Operating margin (%) only.
UMBF' s Operating margin (%) Range Over the Past 10 Years
Min: 17.37  Med: 19.83 Max: 23.79
Current: 17.79
17.37
23.79
Net-margin (%) 13.21
UMBF's Net-margin (%) is ranked lower than
79% of the 1674 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 22.66 vs. UMBF: 13.21 )
Ranked among companies with meaningful Net-margin (%) only.
UMBF' s Net-margin (%) Range Over the Past 10 Years
Min: 12.66  Med: 14.40 Max: 16.68
Current: 13.21
12.66
16.68
ROE (%) 6.39
UMBF's ROE (%) is ranked lower than
65% of the 1669 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 8.48 vs. UMBF: 6.39 )
Ranked among companies with meaningful ROE (%) only.
UMBF' s ROE (%) Range Over the Past 10 Years
Min: 6.56  Med: 8.88 Max: 10.52
Current: 6.39
6.56
10.52
ROA (%) 0.64
UMBF's ROA (%) is ranked lower than
67% of the 1679 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.90 vs. UMBF: 0.64 )
Ranked among companies with meaningful ROA (%) only.
UMBF' s ROA (%) Range Over the Past 10 Years
Min: 0.63  Med: 0.80 Max: 0.97
Current: 0.64
0.63
0.97
Revenue Growth (3Y)(%) -1.40
UMBF's Revenue Growth (3Y)(%) is ranked lower than
72% of the 1364 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.90 vs. UMBF: -1.40 )
Ranked among companies with meaningful Revenue Growth (3Y)(%) only.
UMBF' s Revenue Growth (3Y)(%) Range Over the Past 10 Years
Min: -3.4  Med: 8.20 Max: 12.7
Current: -1.4
-3.4
12.7
EBITDA Growth (3Y)(%) -5.10
UMBF's EBITDA Growth (3Y)(%) is ranked lower than
79% of the 1261 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 6.40 vs. UMBF: -5.10 )
Ranked among companies with meaningful EBITDA Growth (3Y)(%) only.
UMBF' s EBITDA Growth (3Y)(%) Range Over the Past 10 Years
Min: -5.1  Med: 8.00 Max: 15.4
Current: -5.1
-5.1
15.4
EPS Growth (3Y)(%) -7.00
UMBF's EPS Growth (3Y)(%) is ranked lower than
81% of the 1246 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 7.40 vs. UMBF: -7.00 )
Ranked among companies with meaningful EPS Growth (3Y)(%) only.
UMBF' s EPS Growth (3Y)(%) Range Over the Past 10 Years
Min: -12.5  Med: 7.10 Max: 22.6
Current: -7
-12.5
22.6
» UMBF's 10-Y Financials

Financials (Next Earnings Date: Est. 2016-07-29)


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

» Details

Guru Trades

Q2 2015

UMBF Guru Trades in Q2 2015

RS Investment Management 661,227 sh (+97.13%)
Third Avenue Management 159,873 sh (unchged)
Paul Tudor Jones Sold Out
Ken Fisher 769,330 sh (-1.40%)
John Keeley 1,057,565 sh (-2.82%)
Jim Simons 169,600 sh (-19.43%)
» More
Q3 2015

UMBF Guru Trades in Q3 2015

RS Investment Management 916,872 sh (+38.66%)
Third Avenue Management 159,873 sh (unchged)
Ken Fisher 747,847 sh (-2.79%)
John Keeley 993,940 sh (-6.02%)
Jim Simons 113,600 sh (-33.02%)
» More
Q4 2015

UMBF Guru Trades in Q4 2015

RS Investment Management 1,082,587 sh (+18.07%)
John Keeley 1,097,897 sh (+10.46%)
Ken Fisher 748,983 sh (+0.15%)
Third Avenue Management 159,873 sh (unchged)
Jim Simons 73,500 sh (-35.30%)
» More
Q1 2016

UMBF Guru Trades in Q1 2016

Ken Fisher 736,317 sh (-1.69%)
» More
» Details

Insider Trades

Latest Guru Trades with UMBF

(List those with share number changes of more than 20%, or impact to portfolio more than 0.1%)

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Ratios

vs
industry
vs
history
P/E(ttm) 22.76
UMBF's P/E(ttm) is ranked lower than
82% of the 1567 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 12.61 vs. UMBF: 22.76 )
Ranked among companies with meaningful P/E(ttm) only.
UMBF' s P/E(ttm) Range Over the Past 10 Years
Min: 12.7  Med: 19.79 Max: 30.74
Current: 22.76
12.7
30.74
Forward P/E 16.39
UMBF's Forward P/E is ranked lower than
87% of the 365 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 11.66 vs. UMBF: 16.39 )
Ranked among companies with meaningful Forward P/E only.
N/A
PE(NRI) 22.76
UMBF's PE(NRI) is ranked lower than
82% of the 1567 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 12.57 vs. UMBF: 22.76 )
Ranked among companies with meaningful PE(NRI) only.
UMBF' s PE(NRI) Range Over the Past 10 Years
Min: 12.53  Med: 19.71 Max: 30.48
Current: 22.76
12.53
30.48
Price/Owner Earnings (ttm) 25.71
UMBF's Price/Owner Earnings (ttm) is ranked lower than
87% of the 878 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 12.23 vs. UMBF: 25.71 )
Ranked among companies with meaningful Price/Owner Earnings (ttm) only.
UMBF' s Price/Owner Earnings (ttm) Range Over the Past 10 Years
Min: 10.05  Med: 17.52 Max: 54.85
Current: 25.71
10.05
54.85
P/B 1.42
UMBF's P/B is ranked lower than
73% of the 1635 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.04 vs. UMBF: 1.42 )
Ranked among companies with meaningful P/B only.
UMBF' s P/B Range Over the Past 10 Years
Min: 1.08  Med: 1.61 Max: 3.05
Current: 1.42
1.08
3.05
P/S 2.99
UMBF's P/S is ranked higher than
52% of the 1630 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.93 vs. UMBF: 2.99 )
Ranked among companies with meaningful P/S only.
UMBF' s P/S Range Over the Past 10 Years
Min: 1.77  Med: 2.85 Max: 4.97
Current: 2.99
1.77
4.97
PFCF 16.85
UMBF's PFCF is ranked lower than
74% of the 853 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 10.51 vs. UMBF: 16.85 )
Ranked among companies with meaningful PFCF only.
UMBF' s PFCF Range Over the Past 10 Years
Min: 6.97  Med: 12.54 Max: 85.51
Current: 16.85
6.97
85.51
POCF 12.53
UMBF's POCF is ranked lower than
67% of the 970 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 9.10 vs. UMBF: 12.53 )
Ranked among companies with meaningful POCF only.
UMBF' s POCF Range Over the Past 10 Years
Min: 6.34  Med: 10.23 Max: 47.21
Current: 12.53
6.34
47.21
EV-to-EBIT 11.75
UMBF's EV-to-EBIT is ranked higher than
61% of the 1501 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 13.32 vs. UMBF: 11.75 )
Ranked among companies with meaningful EV-to-EBIT only.
UMBF' s EV-to-EBIT Range Over the Past 10 Years
Min: -5.9  Med: 7.20 Max: 17.8
Current: 11.75
-5.9
17.8
EV-to-EBITDA 8.83
UMBF's EV-to-EBITDA is ranked higher than
71% of the 1503 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 12.32 vs. UMBF: 8.83 )
Ranked among companies with meaningful EV-to-EBITDA only.
UMBF' s EV-to-EBITDA Range Over the Past 10 Years
Min: -4.5  Med: 5.60 Max: 13.4
Current: 8.83
-4.5
13.4
PEG 22.80
UMBF's PEG is ranked lower than
97% of the 724 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.07 vs. UMBF: 22.80 )
Ranked among companies with meaningful PEG only.
UMBF' s PEG Range Over the Past 10 Years
Min: 1.22  Med: 3.00 Max: 44.48
Current: 22.8
1.22
44.48
Shiller P/E 21.93
UMBF's Shiller P/E is ranked lower than
63% of the 502 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 17.24 vs. UMBF: 21.93 )
Ranked among companies with meaningful Shiller P/E only.
UMBF' s Shiller P/E Range Over the Past 10 Years
Min: 16.3  Med: 23.46 Max: 40.64
Current: 21.93
16.3
40.64

Dividend & Buy Back

vs
industry
vs
history
Dividend Yield 1.72
UMBF's Dividend Yield is ranked lower than
72% of the 2089 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.99 vs. UMBF: 1.72 )
Ranked among companies with meaningful Dividend Yield only.
UMBF' s Dividend Yield Range Over the Past 10 Years
Min: 0.91  Med: 1.62 Max: 2.43
Current: 1.72
0.91
2.43
Dividend Payout 0.39
UMBF's Dividend Payout is ranked higher than
59% of the 1265 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.34 vs. UMBF: 0.39 )
Ranked among companies with meaningful Dividend Payout only.
UMBF' s Dividend Payout Range Over the Past 10 Years
Min: 0.25  Med: 0.30 Max: 0.43
Current: 0.39
0.25
0.43
Dividend Growth (3y) 4.60
UMBF's Dividend Growth (3y) is ranked lower than
62% of the 746 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 7.90 vs. UMBF: 4.60 )
Ranked among companies with meaningful Dividend Growth (3y) only.
UMBF' s Dividend Growth (3y) Range Over the Past 10 Years
Min: 2.1  Med: 5.00 Max: 12.9
Current: 4.6
2.1
12.9
Forward Dividend Yield 1.76
UMBF's Forward Dividend Yield is ranked lower than
77% of the 1957 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 3.03 vs. UMBF: 1.76 )
Ranked among companies with meaningful Forward Dividend Yield only.
N/A
Yield on cost (5-Year) 2.20
UMBF's Yield on cost (5-Year) is ranked lower than
66% of the 2483 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 3.46 vs. UMBF: 2.20 )
Ranked among companies with meaningful Yield on cost (5-Year) only.
UMBF' s Yield on cost (5-Year) Range Over the Past 10 Years
Min: 1.15  Med: 2.05 Max: 3.07
Current: 2.2
1.15
3.07
3-Year Average Share Buyback Ratio -5.60
UMBF's 3-Year Average Share Buyback Ratio is ranked lower than
66% of the 1111 Companies
in the Global Banks - Regional - US industry.

( Industry Median: -2.00 vs. UMBF: -5.60 )
Ranked among companies with meaningful 3-Year Average Share Buyback Ratio only.
UMBF' s 3-Year Average Share Buyback Ratio Range Over the Past 10 Years
Min: -5.6  Med: 0.80 Max: 5.2
Current: -5.6
-5.6
5.2

Valuation & Return

vs
industry
vs
history
Price/Tangible Book 1.65
UMBF's Price/Tangible Book is ranked lower than
74% of the 1627 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.11 vs. UMBF: 1.65 )
Ranked among companies with meaningful Price/Tangible Book only.
UMBF' s Price/Tangible Book Range Over the Past 10 Years
Min: 1.13  Med: 1.73 Max: 2.36
Current: 1.65
1.13
2.36
Price/Projected FCF 0.80
UMBF's Price/Projected FCF is ranked lower than
61% of the 881 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.65 vs. UMBF: 0.80 )
Ranked among companies with meaningful Price/Projected FCF only.
UMBF' s Price/Projected FCF Range Over the Past 10 Years
Min: 0.37  Med: 0.77 Max: 1.06
Current: 0.8
0.37
1.06
Price/DCF (Earnings Based) 1.80
UMBF's Price/DCF (Earnings Based) is ranked lower than
94% of the 87 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.80 vs. UMBF: 1.80 )
Ranked among companies with meaningful Price/DCF (Earnings Based) only.
N/A
Price/Median PS Value 1.05
UMBF's Price/Median PS Value is ranked higher than
54% of the 1530 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.02 vs. UMBF: 1.05 )
Ranked among companies with meaningful Price/Median PS Value only.
UMBF' s Price/Median PS Value Range Over the Past 10 Years
Min: 0.66  Med: 0.91 Max: 1.2
Current: 1.05
0.66
1.2
Price/Graham Number 1.32
UMBF's Price/Graham Number is ranked lower than
82% of the 1455 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.82 vs. UMBF: 1.32 )
Ranked among companies with meaningful Price/Graham Number only.
UMBF' s Price/Graham Number Range Over the Past 10 Years
Min: 0.81  Med: 1.18 Max: 1.56
Current: 1.32
0.81
1.56
Earnings Yield (Greenblatt) (%) 8.50
UMBF's Earnings Yield (Greenblatt) (%) is ranked higher than
65% of the 1641 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 6.90 vs. UMBF: 8.50 )
Ranked among companies with meaningful Earnings Yield (Greenblatt) (%) only.
UMBF' s Earnings Yield (Greenblatt) (%) Range Over the Past 10 Years
Min: 5.6  Med: 13.15 Max: 1806.7
Current: 8.5
5.6
1806.7
Forward Rate of Return (Yacktman) (%) 8.94
UMBF's Forward Rate of Return (Yacktman) (%) is ranked lower than
60% of the 839 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 13.21 vs. UMBF: 8.94 )
Ranked among companies with meaningful Forward Rate of Return (Yacktman) (%) only.
UMBF' s Forward Rate of Return (Yacktman) (%) Range Over the Past 10 Years
Min: 5.2  Med: 13.80 Max: 18.9
Current: 8.94
5.2
18.9

More Statistics

Revenue(Mil) $897
EPS $ 2.45
Beta0.79
Short Percentage of Float9.00%
52-Week Range $39.55 - 58.84
Shares Outstanding(Mil)49.53

Analyst Estimate

Dec16 Dec17
Revenue(Mil)
EPS($) 3.06 3.40
EPS without NRI($) 3.06 3.40

Business Description

Industry: Banks » Banks - Regional - US
Compare:NAS:UMPQ, NYSE:WBS, NYSE:FHN, NAS:PVTB, NAS:BPOP, NAS:FCNCA » details
Traded in other countries:UMB.Germany,
UMB Financial Corp was organized as a corporation under Missouri law in 1967 and is registered as a bank holding company under the Bank Holding Company Act of 1956 (the BHCA) and a financial holding company under the Gramm-Leach-Bliley Act of 1999 (the GLBA). The Company currently owns all of the outstanding stock of one national bank and several nonbank subsidiaries. Together with its subsidiaries, the Company supplies banking services, institutional investment management, asset servicing, and payment solutions to its customers in the United States and around the globe. The Company's products and services are grouped into four segments: Bank, Institutional Investment Management, Asset Servicing, and Payment Solutions. The Company offers a full complement of banking services to commercial, retail, government, and correspondent-bank customers, including a wide range of asset-management, trust, bank-card, and cash-management services. Competition comes from both traditional and non-traditional financial-services providers, including banks, savings associations, finance companies, investment advisors, asset managers, mutual funds, private-equity firms, hedge funds, brokerage firms, mortgage-banking companies, credit-card companies, insurance companies, trust companies, securities processing companies, and credit unions. The Company and its subsidiaries are subject to regulatory frameworks in the United States-at federal, State, and local levels-and in the foreign jurisdictions where its business segments operate. In addition, the Company and its subsidiaries are subject to the direct supervision of government authorities charged with overseeing the kinds of financial activities conducted by its business segments.
» More Articles for UMBF

Headlines

Articles On GuruFocus.com
UMBF: Regional Banking with an Institutional Investment Edge Aug 10 2014 
Ken Fisher's Top 5 New Portfolio Stocks Jul 27 2014 
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 

More From Other Websites
UMB FINANCIAL CORP Files SEC form 8-K, Submission of Matters to a Vote of Security Holders Apr 28 2016
Edited Transcript of UMBF earnings conference call or presentation 27-Apr-16 1:30pm GMT Apr 27 2016
UMB Financial Corporation Announces $0.245 Quarterly Cash Dividend and Common Stock Repurchase... Apr 26 2016
UMB FINANCIAL CORP Files SEC form 8-K, Regulation FD Disclosure, Financial Statements and Exhibits Apr 26 2016
UMB Financial Corporation Announces $0.245 Quarterly Cash Dividend and Common Stock Repurchase... Apr 26 2016
UMB's loan portfolio continues to grow Apr 26 2016
UMB makes more loans, boosts profit in the first quarter Apr 26 2016
UMB Financial's Q1 Profit Rises 7.1% Apr 26 2016
UMB Financial Corporation Reports First Quarter 2016 Earnings of $36.2 Million, or $0.74 Per Diluted... Apr 26 2016
UMB posts 1Q profit Apr 26 2016
UMB posts 1Q profit Apr 26 2016
UMB Financial Corporation Reports First Quarter 2016 Earnings of $36.2 Million, or $0.74 Per Diluted... Apr 26 2016
Q1 2016 UMB Financial Corp Earnings Release - After Market Close Apr 26 2016
UMB Financial Corp. breached its 50 day moving average in a Bearish Manner : UMBF-US : April 8, 2016 Apr 08 2016
UMB Announces Conference Call to Discuss First Quarter 2016 Results Apr 06 2016
UMB Announces Conference Call to Discuss First Quarter 2016 Results Apr 06 2016
One of UMB's fastest-growing divisions? Agriculture Apr 01 2016
UMB Financial Corp. :UMBF-US: Earnings Analysis: Q4, 2015 By the Numbers Mar 28 2016
Leawood capital firm adds former UMB, BofA exec to its board Mar 08 2016
UMB FINANCIAL CORP Financials Mar 02 2016

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