Business Description
ISIN : US9027881088
Share Class Description:
UMBF: Ordinary SharesTotal Employee Number:
5,222Financial Strength
| Name | Current | Vs Industry | Vs History | |||
|---|---|---|---|---|---|---|
Cash-To-Debt | 22.23 | |||||
Equity-to-Asset | 0.11 | |||||
Debt-to-Equity | 0.03 | |||||
Debt-to-EBITDA | N/A |
N/A
|
N/A
| |||
Interest Coverage | N/A |
N/A
|
N/A
| |||
Piotroski F-Score | 7/9 | |||||
Beneish M-Score | -1.83 | |||||
WACC vs ROIC | ||||||
Growth Rank
| Name | Current | Vs Industry | Vs History | |||
|---|---|---|---|---|---|---|
3-Year Revenue Growth Rate | 5.8 | |||||
3-Year EPS without NRI Growth Rate | 8.5 | |||||
3-Year FCF Growth Rate | -3.4 | |||||
3-Year Book Growth Rate | 20.8 | |||||
Future 3-5Y EPS without NRI Growth Rate Estimate Industry Rank | 17.17 | |||||
Future 3-5Y Total Revenue Growth Rate Estimate | 8.53 |
Momentum Rank
| Name | Current | Vs Industry | Vs History | |||
|---|---|---|---|---|---|---|
5-Day RSI | 52.45 | |||||
9-Day RSI | 47.58 | |||||
14-Day RSI | 47.83 | |||||
3-1 Month Momentum % | 15.25 | |||||
6-1 Month Momentum % | 24.45 | |||||
12-1 Month Momentum % | 19.98 |
Liquidity Ratio
| Name | Current | Vs Industry | Vs History |
|---|
Dividend & Buy Back
| Name | Current | Vs Industry | Vs History | |||
|---|---|---|---|---|---|---|
Dividend Yield % | 1.17 | |||||
Dividend Payout Ratio | 0.13 | |||||
3-Year Dividend Growth Rate | 3 | |||||
Forward Dividend Yield % | 1.38 | |||||
5-Year Yield-on-Cost % | 1.5 | |||||
3-Year Average Share Buyback Ratio | -16.3 | |||||
Shareholder Yield % | 3.88 |
Profitability Rank
| Name | Current | Vs Industry | Vs History | |||
|---|---|---|---|---|---|---|
Net Margin % | 34.98 | |||||
FCF Margin % | 38.62 | |||||
OCF Margin % | 40.4 | |||||
ROE % | 12.31 | |||||
ROA % | 1.3 | |||||
Years of Profitability over Past 10-Year | 10 | |||||
Moat Score | 5 | |||||
Tariff Resilience Score | 9 |
GF Value Rank
| Name | Current | Vs Industry | Vs History | |||
|---|---|---|---|---|---|---|
PE Ratio | 11.97 | |||||
Forward PE Ratio | 10.3 | |||||
PE Ratio without NRI | 11.27 | |||||
Shiller PE Ratio | 17.7 | |||||
Price-to-Owner-Earnings | 9.68 | |||||
PEG Ratio | 1.46 | |||||
PS Ratio | 4.07 | |||||
PB Ratio | 1.41 | |||||
Price-to-Tangible-Book | 2 | |||||
Price-to-Free-Cash-Flow | 10.6 | |||||
Price-to-Operating-Cash-Flow | 10.11 | |||||
EV-to-Revenue | 2.13 | |||||
EV-to-Forward-Revenue | 3.69 | |||||
EV-to-FCF | 5.52 | |||||
Price-to-GF-Value | 1.12 | |||||
Price-to-Projected-FCF | 0.8 | |||||
Price-to-DCF (Earnings Based) | 0.5 | |||||
Price-to-DCF (FCF Based) | 0.66 | |||||
Price-to-Median-PS-Value | 1.15 | |||||
Price-to-Peter-Lynch-Fair-Value | 0.89 | |||||
Price-to-Graham-Number | 1 | |||||
FCF Yield % | 9.53 | |||||
Forward Rate of Return (Yacktman) % | 20.47 |
Operating Revenue by Business Segment
Operating Revenue by Geographic Region
Historical Operating Revenue by Business Segment
Historical Operating Revenue by Geographic Region
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Performance
Annualized Return % Â
Total Annual Return % Â
UMB Financial Corp Executives
DetailsAnalyst Estimate
Key Statistics
| Name | Value | ||
|---|---|---|---|
| Revenue (TTM) (Mil $) | 2,694.849 | ||
| EPS (TTM) ($) | 12.01 | ||
| Beta | 1.1361 | ||
| 3-Year Sharpe Ratio | 0.84 | ||
| 3-Year Sortino Ratio | 1.55 | ||
| Volatility % | 24.43 | ||
| 14-Day RSI | 47.83 | ||
| 14-Day ATR ($) | 3.158879 | ||
| 20-Day SMA ($) | 145.77875 | ||
| 12-1 Month Momentum % | 19.98 | ||
| 52-Week Range ($) | 103.38 - 153.32 | ||
| Shares Outstanding (Mil) | 75.95 |
Piotroski F-Score Details
| Component | Result | ||
|---|---|---|---|
| Piotroski F-Score | 7 | ||
| Positive ROA | |||
| Positive CFROA | |||
| Higher ROA yoy | |||
| CFROA > ROA | |||
| Lower Leverage yoy | |||
| Higher Current Ratio yoy | |||
| Less Shares Outstanding yoy | |||
| Higher Gross Margin yoy | |||
| Higher Asset Turnover yoy |
UMB Financial Corp Filings
| Filing Date | Document Date | Form | ||
|---|---|---|---|---|
| No Filing Data | ||||
UMB Financial Corp Stock Events
| Event | Date | Price ($) | ||
|---|---|---|---|---|
| Annual report for 2026 | 2027-02-26 | In 174 days | ||
| Fourth quarter earnings conference call for 2026 | 2027-01-28 09:30 | In 146 days | ||
| Fourth quarter earnings results for 2026 | 2027-01-27 | In 144 days | ||
| Third quarter earnings conference call for 2026 | 2026-10-29 09:30 | In 55 days | ||
| Third quarter earnings results for 2026 | 2026-10-28 | In 53 days | ||
| USD 0.500000 Cash Dividend | 2026-09-10 | In 5 days | ||
| Second quarter earnings conference call for 2026 | 2026-07-29 09:30 | 143.98 (+2.09%) | ||
| Second quarter earnings results for 2026 | 2026-07-28 | 140.97 (-0.65%) | ||
| USD 0.430000 Cash Dividend | 2026-06-10 | 131.82 (+0.90%) | ||
| First quarter earnings conference call for 2026 | 2026-04-29 09:30 | 125.35 (+0.18%) |
UMB Financial Corp Frequently Asked Questions
Guru Commentaries on NAS:UMBF
UMB Financial is a regional bank with a diversified business model spanning commercial banking, institutional asset servicing, private wealth management, healthcare payments, and specialty financial services. Unlike many regional banks, UMB generates a meaningful portion of its revenue from fee-based businesses, providing a more stable earnings profile and reducing reliance on net interest income. The company has consistently demonstrated disciplined underwriting, strong credit quality, and a conservative balance sheet, positioning it to perform across economic cycles. We believe UMB is well positioned to benefit from improving loan growth, expanding fee income, and continued market share gains.
UMB Financial is a regional bank with a diversified business model spanning commercial banking, institutional asset servicing, private wealth management, healthcare payments, and specialty financial services. The company generates a meaningful portion of its revenue from fee-based businesses, providing a more stable earnings profile and reducing reliance on net interest income. UMB has consistently demonstrated disciplined underwriting, strong credit quality, and a conservative balance sheet, positioning it to perform across economic cycles. We believe UMB is well positioned to benefit from improving loan growth, expanding fee income, and continued market share gains.
UMB Financial Corp. is listed among the top ten holdings of the Third Avenue Small-Cap Value Fund, indicating its significance in the portfolio. However, there is no explicit directional argument made regarding its future performance or valuation in the provided passages.
UMB Financial reported a strong set of combined financial results during its first full quarter since finalizing a transformational merger with Heartland Financial in January.
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