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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 160.35
UMBF's Cash to Debt is ranked higher than
68% of the 966 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.47 vs. UMBF: 160.35 )
Ranked among companies with meaningful Cash to Debt only.
UMBF' s 10-Year Cash to Debt Range
Min: 2.59  Med: 13.60 Max: 506.48
Current: 160.35
2.59
506.48
Equity to Asset 0.10
UMBF's Equity to Asset is ranked lower than
52% of the 1319 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 10-Year Equity to Asset Range
Min: 0.08  Med: 0.10 Max: 0.12
Current: 0.1
0.08
0.12
Interest Coverage 11.93
UMBF's Interest Coverage is ranked higher than
92% of the 1229 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.65 vs. UMBF: 11.93 )
Ranked among companies with meaningful Interest Coverage only.
UMBF' s 10-Year Interest Coverage Range
Min: 0.35  Med: 0.93 Max: 12.17
Current: 11.93
0.35
12.17
F-Score: 5
WACC vs ROIC
11.86%
51.35%
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 : 7/10

vs
industry
vs
history
Operating margin (%) 21.18
UMBF's Operating margin (%) is ranked lower than
70% of the 1381 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 29.90 vs. UMBF: 21.18 )
Ranked among companies with meaningful Operating margin (%) only.
UMBF' s 10-Year Operating margin (%) Range
Min: 12.7  Med: 19.66 Max: 25.47
Current: 21.18
12.7
25.47
Net-margin (%) 15.31
UMBF's Net-margin (%) is ranked lower than
71% of the 1381 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 21.60 vs. UMBF: 15.31 )
Ranked among companies with meaningful Net-margin (%) only.
UMBF' s 10-Year Net-margin (%) Range
Min: 10.52  Med: 14.40 Max: 17.13
Current: 15.31
10.52
17.13
ROE (%) 8.10
UMBF's ROE (%) is ranked lower than
52% of the 1384 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 8.41 vs. UMBF: 8.10 )
Ranked among companies with meaningful ROE (%) only.
UMBF' s 10-Year ROE (%) Range
Min: 5.25  Med: 8.87 Max: 10.52
Current: 8.1
5.25
10.52
ROA (%) 0.80
UMBF's ROA (%) is ranked lower than
53% of the 1392 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.84 vs. UMBF: 0.80 )
Ranked among companies with meaningful ROA (%) only.
UMBF' s 10-Year ROA (%) Range
Min: 0.55  Med: 0.79 Max: 0.97
Current: 0.8
0.55
0.97
ROC (Joel Greenblatt) (%) 70.98
UMBF's ROC (Joel Greenblatt) (%) is ranked lower than
52% of the 1374 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 77.18 vs. UMBF: 70.98 )
Ranked among companies with meaningful ROC (Joel Greenblatt) (%) only.
UMBF' s 10-Year ROC (Joel Greenblatt) (%) Range
Min: 23.22  Med: 43.85 Max: 111.84
Current: 70.98
23.22
111.84
Revenue Growth (3Y)(%) 0.70
UMBF's Revenue Growth (3Y)(%) is ranked lower than
57% of the 1170 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.00 vs. UMBF: 0.70 )
Ranked among companies with meaningful Revenue Growth (3Y)(%) only.
UMBF' s 10-Year Revenue Growth (3Y)(%) Range
Min: -3.5  Med: 8.50 Max: 12.2
Current: 0.7
-3.5
12.2
EBITDA Growth (3Y)(%) -0.60
UMBF's EBITDA Growth (3Y)(%) is ranked lower than
71% of the 1029 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 7.40 vs. UMBF: -0.60 )
Ranked among companies with meaningful EBITDA Growth (3Y)(%) only.
UMBF' s 10-Year EBITDA Growth (3Y)(%) Range
Min: -7.9  Med: 6.80 Max: 15.5
Current: -0.6
-7.9
15.5
EPS Growth (3Y)(%) -0.10
UMBF's EPS Growth (3Y)(%) is ranked lower than
71% of the 1036 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 9.60 vs. UMBF: -0.10 )
Ranked among companies with meaningful EPS Growth (3Y)(%) only.
UMBF' s 10-Year EPS Growth (3Y)(%) Range
Min: -12.3  Med: 7.10 Max: 22.5
Current: -0.1
-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 2014

UMBF Guru Trades in Q2 2014

Jim Simons 31,300 sh (New)
Ken Fisher 603,215 sh (New)
RS Investment Management 323,970 sh (+332.59%)
John Keeley 1,088,276 sh (+11.39%)
Third Avenue Management 485,695 sh (-3.61%)
» More
Q3 2014

UMBF Guru Trades in Q3 2014

Ken Fisher 796,275 sh (+32.01%)
Jim Simons 40,100 sh (+28.12%)
Third Avenue Management 485,695 sh (unchged)
John Keeley 1,081,496 sh (-0.62%)
RS Investment Management 319,045 sh (-1.52%)
» More
Q4 2014

UMBF Guru Trades in Q4 2014

Jim Simons 65,500 sh (+63.34%)
RS Investment Management 319,056 sh (unchged)
Ken Fisher 785,830 sh (-1.31%)
John Keeley 1,064,746 sh (-1.55%)
Third Avenue Management 155,202 sh (-68.05%)
» More
Q1 2015

UMBF Guru Trades in Q1 2015

Paul Tudor Jones 3,821 sh (New)
Jim Simons 210,500 sh (+221.37%)
RS Investment Management 335,427 sh (+5.13%)
Third Avenue Management 159,873 sh (+3.01%)
John Keeley 1,088,245 sh (+2.21%)
Ken Fisher 780,280 sh (-0.71%)
» 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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Top Ranked Articles about UMB Financial Corp

UMBF: Regional Banking with an Institutional Investment Edge
UMB Financial Corporation (UMBF) is a Missouri-based regional bank expanding in several directions. One involves growing out its institutional investment service. Read more...

Ratios

vs
industry
vs
history
P/E(ttm) 19.94
UMBF's P/E(ttm) is ranked lower than
76% of the 1245 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 13.80 vs. UMBF: 19.94 )
Ranked among companies with meaningful P/E(ttm) only.
UMBF' s 10-Year P/E(ttm) Range
Min: 12.7  Med: 19.96 Max: 30.74
Current: 19.94
12.7
30.74
Forward P/E 16.61
UMBF's Forward P/E is ranked lower than
87% of the 707 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 12.17 vs. UMBF: 16.61 )
Ranked among companies with meaningful Forward P/E only.
N/A
PE(NRI) 19.70
UMBF's PE(NRI) is ranked lower than
76% of the 1242 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 13.90 vs. UMBF: 19.70 )
Ranked among companies with meaningful PE(NRI) only.
UMBF' s 10-Year PE(NRI) Range
Min: 12.53  Med: 19.77 Max: 30.48
Current: 19.7
12.53
30.48
P/B 1.55
UMBF's P/B is ranked lower than
76% of the 1350 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.10 vs. UMBF: 1.55 )
Ranked among companies with meaningful P/B only.
UMBF' s 10-Year P/B Range
Min: 1.11  Med: 1.62 Max: 3.05
Current: 1.55
1.11
3.05
P/S 3.03
UMBF's P/S is ranked higher than
50% of the 1367 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.97 vs. UMBF: 3.03 )
Ranked among companies with meaningful P/S only.
UMBF' s 10-Year P/S Range
Min: 1.77  Med: 2.91 Max: 4.95
Current: 3.03
1.77
4.95
PFCF 11.16
UMBF's PFCF is ranked higher than
52% of the 801 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 11.49 vs. UMBF: 11.16 )
Ranked among companies with meaningful PFCF only.
UMBF' s 10-Year PFCF Range
Min: 6.98  Med: 12.39 Max: 82.62
Current: 11.16
6.98
82.62
POCF 9.08
UMBF's POCF is ranked higher than
54% of the 911 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 9.73 vs. UMBF: 9.08 )
Ranked among companies with meaningful POCF only.
UMBF' s 10-Year POCF Range
Min: 6.35  Med: 10.36 Max: 46.82
Current: 9.08
6.35
46.82
EV-to-EBIT 7.57
UMBF's EV-to-EBIT is ranked higher than
81% of the 1371 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 14.11 vs. UMBF: 7.57 )
Ranked among companies with meaningful EV-to-EBIT only.
UMBF' s 10-Year EV-to-EBIT Range
Min: -5.9  Med: 7.20 Max: 17.8
Current: 7.57
-5.9
17.8
PEG 3.79
UMBF's PEG is ranked lower than
86% of the 573 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.07 vs. UMBF: 3.79 )
Ranked among companies with meaningful PEG only.
UMBF' s 10-Year PEG Range
Min: 1.2  Med: 2.96 Max: 64.86
Current: 3.79
1.2
64.86
Shiller P/E 20.34
UMBF's Shiller P/E is ranked lower than
64% of the 765 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 17.18 vs. UMBF: 20.34 )
Ranked among companies with meaningful Shiller P/E only.
UMBF' s 10-Year Shiller P/E Range
Min: 14.58  Med: 21.79 Max: 42.38
Current: 20.34
14.58
42.38

Dividend & Buy Back

vs
industry
vs
history
Dividend Yield 1.63
UMBF's Dividend Yield is ranked lower than
73% of the 2188 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.63 vs. UMBF: 1.63 )
Ranked among companies with meaningful Dividend Yield only.
UMBF' s 10-Year Dividend Yield Range
Min: 0.91  Med: 1.57 Max: 2.43
Current: 1.63
0.91
2.43
Dividend Payout 0.32
UMBF's Dividend Payout is ranked higher than
51% of the 1279 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.33 vs. UMBF: 0.32 )
Ranked among companies with meaningful Dividend Payout only.
UMBF' s 10-Year Dividend Payout Range
Min: 0.17  Med: 0.30 Max: 0.61
Current: 0.32
0.17
0.61
Dividend growth (3y) 4.80
UMBF's Dividend growth (3y) is ranked lower than
60% of the 652 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 7.50 vs. UMBF: 4.80 )
Ranked among companies with meaningful Dividend growth (3y) only.
UMBF' s 10-Year Dividend growth (3y) Range
Min: 2.1  Med: 5.10 Max: 12.9
Current: 4.8
2.1
12.9
Yield on cost (5-Year) 2.09
UMBF's Yield on cost (5-Year) is ranked lower than
67% of the 2173 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 3.04 vs. UMBF: 2.09 )
Ranked among companies with meaningful Yield on cost (5-Year) only.
UMBF' s 10-Year Yield on cost (5-Year) Range
Min: 1.17  Med: 2.01 Max: 3.12
Current: 2.09
1.17
3.12
Share Buyback Rate -4.30
UMBF's Share Buyback Rate is ranked lower than
65% of the 933 Companies
in the Global Banks - Regional - US industry.

( Industry Median: -1.50 vs. UMBF: -4.30 )
Ranked among companies with meaningful Share Buyback Rate only.
UMBF' s 10-Year Share Buyback Rate Range
Min: 5.2  Med: 1.20 Max: -4.3
Current: -4.3

Valuation & Return

vs
industry
vs
history
Price/Tangible Book 1.82
UMBF's Price/Tangible Book is ranked lower than
78% of the 1329 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.17 vs. UMBF: 1.82 )
Ranked among companies with meaningful Price/Tangible Book only.
UMBF' s 10-Year Price/Tangible Book Range
Min: 1.08  Med: 1.68 Max: 2.79
Current: 1.82
1.08
2.79
Price/Projected FCF 0.84
UMBF's Price/Projected FCF is ranked lower than
64% of the 759 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.68 vs. UMBF: 0.84 )
Ranked among companies with meaningful Price/Projected FCF only.
UMBF' s 10-Year Price/Projected FCF Range
Min: 0.37  Med: 0.79 Max: 1.3
Current: 0.84
0.37
1.3
Price/DCF (Earnings Based) 1.24
UMBF's Price/DCF (Earnings Based) is ranked lower than
80% of the 55 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.76 vs. UMBF: 1.24 )
Ranked among companies with meaningful Price/DCF (Earnings Based) only.
N/A
Price/Median PS Value 1.04
UMBF's Price/Median PS Value is ranked higher than
60% of the 1232 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.09 vs. UMBF: 1.04 )
Ranked among companies with meaningful Price/Median PS Value only.
UMBF' s 10-Year Price/Median PS Value Range
Min: 0.55  Med: 0.89 Max: 1.29
Current: 1.04
0.55
1.29
Price/Graham Number 1.27
UMBF's Price/Graham Number is ranked lower than
80% of the 1122 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.87 vs. UMBF: 1.27 )
Ranked among companies with meaningful Price/Graham Number only.
UMBF' s 10-Year Price/Graham Number Range
Min: 0.74  Med: 1.18 Max: 1.64
Current: 1.27
0.74
1.64
Earnings Yield (Greenblatt) (%) 13.03
UMBF's Earnings Yield (Greenblatt) (%) is ranked higher than
82% of the 1343 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 6.70 vs. UMBF: 13.03 )
Ranked among companies with meaningful Earnings Yield (Greenblatt) (%) only.
UMBF' s 10-Year Earnings Yield (Greenblatt) (%) Range
Min: 5.6  Med: 13.40 Max: 2698.9
Current: 13.03
5.6
2698.9
Forward Rate of Return (Yacktman) (%) 11.33
UMBF's Forward Rate of Return (Yacktman) (%) is ranked lower than
55% of the 758 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 13.31 vs. UMBF: 11.33 )
Ranked among companies with meaningful Forward Rate of Return (Yacktman) (%) only.
UMBF' s 10-Year Forward Rate of Return (Yacktman) (%) Range
Min: 5  Med: 13.70 Max: 19.3
Current: 11.33
5
19.3

Business Description

Industry: Banks » Banks - Regional - US
Compare:MTB, USB, PNC, PB, CFR » 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 
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 

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