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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 195.61
UMBF's Cash to Debt is ranked higher than
87% of the 1551 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.48 vs. UMBF: 195.61 )
UMBF' s 10-Year Cash to Debt Range
Min: 2.59   Max: 506.48
Current: 195.61

2.59
506.48
Equity to Asset 0.10
UMBF's Equity to Asset is ranked higher than
74% of the 1996 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
96% of the 1825 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.27 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: 0.28
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 : 8/10

vs
industry
vs
history
Operating margin (%) 20.31
UMBF's Operating margin (%) is ranked higher than
62% of the 2006 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 29.16 vs. UMBF: 20.31 )
UMBF' s 10-Year Operating margin (%) Range
Min: 12.71   Max: 24.93
Current: 20.31

12.71
24.93
Net-margin (%) 14.86
UMBF's Net-margin (%) is ranked higher than
62% of the 2006 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 21.42 vs. UMBF: 14.86 )
UMBF' s 10-Year Net-margin (%) Range
Min: 10.53   Max: 16.84
Current: 14.86

10.53
16.84
ROE (%) 8.31
UMBF's ROE (%) is ranked higher than
74% of the 2016 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 8.57 vs. UMBF: 8.31 )
UMBF' s 10-Year ROE (%) Range
Min: 5.25   Max: 10.52
Current: 8.31

5.25
10.52
ROA (%) 0.79
UMBF's ROA (%) is ranked higher than
73% of the 2019 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.80 vs. UMBF: 0.79 )
UMBF' s 10-Year ROA (%) Range
Min: 0.55   Max: 0.97
Current: 0.79

0.55
0.97
ROC (Joel Greenblatt) (%) 70.00
UMBF's ROC (Joel Greenblatt) (%) is ranked higher than
74% of the 1989 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 76.96 vs. UMBF: 70.00 )
UMBF' s 10-Year ROC (Joel Greenblatt) (%) Range
Min: 23.22   Max: 105.28
Current: 70

23.22
105.28
Revenue Growth (%) 6.10
UMBF's Revenue Growth (%) is ranked higher than
88% of the 1727 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.00 vs. UMBF: 6.10 )
UMBF' s 10-Year Revenue Growth (%) Range
Min: -3.4   Max: 12.7
Current: 6.1

-3.4
12.7
EBITDA Growth (%) 10.00
UMBF's EBITDA Growth (%) is ranked higher than
79% of the 1558 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 6.50 vs. UMBF: 10.00 )
UMBF' s 10-Year EBITDA Growth (%) Range
Min: -4   Max: 15.5
Current: 10

-4
15.5
EPS Growth (%) 12.70
UMBF's EPS Growth (%) is ranked higher than
79% of the 1545 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 8.90 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

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
Q2 2014

UMBF Guru Trades in Q2 2014

Ken Fisher 603,215 sh (New)
Jim Simons 31,300 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
» 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%)

GuruDate Trades Impact to Portfolio Price Range * (?) Current Price Change from Average Current Shares
Ken Fisher 2014-09-30 Add 32.01%0.02%$55.06 - $64.49 $ 57.380%796275
John Keeley 2014-06-30 Add 11.39%0.12%$54.81 - $66.43 $ 57.38-4%1088276
Ken Fisher 2014-06-30 New Buy0.08%$54.81 - $66.43 $ 57.38-4%603215
Third Avenue Management 2014-03-31 Add 26.08%0.13%$56.77 - $68.03 $ 57.38-8%503860
Third Avenue Management 2013-09-30 Add 192.82%0.26%$52.34 - $61.79 $ 57.38-2%381800
John Keeley 2013-09-30 Add 31.87%0.22%$52.34 - $61.79 $ 57.38-2%889995
Third Avenue Management 2013-06-30 New Buy0.14%$46.72 - $55.86 $ 57.3813%130386
John Keeley 2013-03-31 New Buy0.61%$43.74 - $49.17 $ 57.3825%632755
Premium More recent guru trades are included for Premium Members only!!
Premium More recent guru trades are included for USA Subscribe Members only!!
» Interactive Charts

Peter Lynch Chart ( What is Peter Lynch Charts )

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) 20.20
UMBF's P/E(ttm) is ranked higher than
71% of the 2626 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 17.50 vs. UMBF: 20.20 )
UMBF' s 10-Year P/E(ttm) Range
Min: 12.7   Max: 30.74
Current: 20.2

12.7
30.74
P/B 1.62
UMBF's P/B is ranked higher than
67% of the 2626 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.34 vs. UMBF: 1.62 )
UMBF' s 10-Year P/B Range
Min: 1.11   Max: 3.05
Current: 1.62

1.11
3.05
P/S 2.97
UMBF's P/S is ranked higher than
79% of the 2626 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 3.61 vs. UMBF: 2.97 )
UMBF' s 10-Year P/S Range
Min: 1.77   Max: 4.95
Current: 2.97

1.77
4.95
PFCF 10.83
UMBF's PFCF is ranked higher than
89% of the 2626 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 9999.00 vs. UMBF: 10.83 )
UMBF' s 10-Year PFCF Range
Min: 6.98   Max: 81.42
Current: 10.83

6.98
81.42
EV-to-EBIT 6.97
UMBF's EV-to-EBIT is ranked higher than
93% of the 2626 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 19.80 vs. UMBF: 6.97 )
UMBF' s 10-Year EV-to-EBIT Range
Min: -5.9   Max: 17.8
Current: 6.97

-5.9
17.8
PEG 2.09
UMBF's PEG is ranked higher than
86% of the 2626 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 9999.00 vs. UMBF: 2.09 )
UMBF' s 10-Year PEG Range
Min: 1.21   Max: 64.86
Current: 2.09

1.21
64.86
Shiller P/E 20.53
UMBF's Shiller P/E is ranked higher than
84% of the 2626 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 9999.00 vs. UMBF: 20.53 )
UMBF' s 10-Year Shiller P/E Range
Min: 14.58   Max: 42.64
Current: 20.53

14.58
42.64

Dividend & Buy Back

vs
industry
vs
history
Dividend Yield 1.57
UMBF's Dividend Yield is ranked lower than
65% of the 1871 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.25 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
77% of the 2626 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.60 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
76% of the 1118 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 5.50 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
57% of the 1883 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.50 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 1472 Companies
in the Global Banks - Regional - US industry.

( Industry Median: -1.90 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 1.92
UMBF's Price/Tangible Book is ranked higher than
68% of the 2626 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.62 vs. UMBF: 1.92 )
UMBF' s 10-Year Price/Tangible Book Range
Min: 0.93   Max: 2.79
Current: 1.92

0.93
2.79
Price/DCF (Projected) 0.80
UMBF's Price/DCF (Projected) is ranked higher than
82% of the 2626 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 5.54 vs. UMBF: 0.80 )
UMBF' s 10-Year Price/DCF (Projected) Range
Min: 0.37   Max: 1.3
Current: 0.8

0.37
1.3
Price/Median PS Value 1.03
UMBF's Price/Median PS Value is ranked higher than
85% of the 2626 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.25 vs. UMBF: 1.03 )
UMBF' s 10-Year Price/Median PS Value Range
Min: 0.57   Max: 1.3
Current: 1.03

0.57
1.3
Price/Peter Lynch Fair Value 3.41
UMBF's Price/Peter Lynch Fair Value is ranked higher than
88% of the 2626 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 9999.00 vs. UMBF: 3.41 )
UMBF' s 10-Year Price/Peter Lynch Fair Value Range
Min: 1.29   Max: 5.54
Current: 3.41

1.29
5.54
Price/Graham Number 1.31
UMBF's Price/Graham Number is ranked higher than
70% of the 2626 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.19 vs. UMBF: 1.31 )
UMBF' s 10-Year Price/Graham Number Range
Min: 0.6   Max: 1.64
Current: 1.31

0.6
1.64
Earnings Yield (Greenblatt) 14.30
UMBF's Earnings Yield (Greenblatt) is ranked higher than
92% of the 1973 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 6.60 vs. UMBF: 14.30 )
UMBF' s 10-Year Earnings Yield (Greenblatt) Range
Min: 5.6   Max: 4299.2
Current: 14.3

5.6
4299.2
Forward Rate of Return (Yacktman) 12.22
UMBF's Forward Rate of Return (Yacktman) is ranked higher than
71% of the 1512 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 13.69 vs. UMBF: 12.22 )
UMBF' s 10-Year Forward Rate of Return (Yacktman) Range
Min: 5.4   Max: 18.7
Current: 12.22

5.4
18.7

Business Description

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