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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 9.83
UMBF's Cash-to-Debt is ranked higher than
67% of the 1645 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.48 vs. UMBF: 9.83 )
Ranked among companies with meaningful Cash-to-Debt only.
UMBF' s Cash-to-Debt Range Over the Past 10 Years
Min: 2.59  Med: 11.62 Max: N/A
Current: 9.83
Equity-to-Asset 0.10
UMBF's Equity-to-Asset is ranked lower than
53% of the 1610 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: 0.1 Max: 0.12
Current: 0.1
0.08
0.12
Interest Coverage 6.76
UMBF's Interest Coverage is ranked higher than
85% of the 1690 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.68 vs. UMBF: 6.76 )
Ranked among companies with meaningful Interest Coverage only.
UMBF' s Interest Coverage Range Over the Past 10 Years
Min: 0.58  Med: 6.48 Max: 12.23
Current: 6.76
0.58
12.23
Beneish M-Score: -2.35
WACC vs ROIC
7.22%
13.41%
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 : 4/10

vs
industry
vs
history
Operating Margin % 21.73
UMBF's Operating Margin % is ranked lower than
73% of the 1651 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 31.66 vs. UMBF: 21.73 )
Ranked among companies with meaningful Operating Margin % only.
UMBF' s Operating Margin % Range Over the Past 10 Years
Min: 18.13  Med: 20.07 Max: 23.79
Current: 21.73
18.13
23.79
Net Margin % 16.77
UMBF's Net Margin % is ranked lower than
70% of the 1653 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 22.93 vs. UMBF: 16.77 )
Ranked among companies with meaningful Net Margin % only.
UMBF' s Net Margin % Range Over the Past 10 Years
Min: 13.21  Med: 14.58 Max: 16.77
Current: 16.77
13.21
16.77
ROE % 8.36
UMBF's ROE % is ranked lower than
51% of the 1652 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 8.55 vs. UMBF: 8.36 )
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: 8.36
6.56
10.52
ROA % 0.83
UMBF's ROA % is ranked lower than
55% of the 1657 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.91 vs. UMBF: 0.83 )
Ranked among companies with meaningful ROA % only.
UMBF' s ROA % Range Over the Past 10 Years
Min: 0.63  Med: 0.81 Max: 0.97
Current: 0.83
0.63
0.97
3-Year EBITDA Growth Rate -1.00
UMBF's 3-Year EBITDA Growth Rate is ranked lower than
72% of the 1295 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 6.80 vs. UMBF: -1.00 )
Ranked among companies with meaningful 3-Year EBITDA Growth Rate only.
UMBF' s 3-Year EBITDA Growth Rate Range Over the Past 10 Years
Min: -7.8  Med: 3.3 Max: 18.1
Current: -1
-7.8
18.1
3-Year EPS without NRI Growth Rate 0.20
UMBF's 3-Year EPS without NRI Growth Rate is ranked lower than
70% of the 1256 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 7.30 vs. UMBF: 0.20 )
Ranked among companies with meaningful 3-Year EPS without NRI Growth Rate only.
UMBF' s 3-Year EPS without NRI Growth Rate Range Over the Past 10 Years
Min: -12.6  Med: 3.5 Max: 22.3
Current: 0.2
-12.6
22.3
GuruFocus has detected 1 Warning Sign with UMB Financial Corp $UMBF.
More than 500,000 people have already joined GuruFocus to track the stocks they follow and exchange investment ideas.
» UMBF's 30-Y Financials

Financials (Next Earnings Date: 2017-07-26 Est.)


Revenue & Net Income
Equity & Asset
Operating Cash Flow & Free Cash Flow
Operating Cash Flow & Net Income

» Details

Guru Trades

Q2 2016

UMBF Guru Trades in Q2 2016

Paul Tudor Jones 8,385 sh (New)
Ken Fisher 737,502 sh (+0.16%)
Barrow, Hanley, Mewhinney & Strauss 851,558 sh (-1.32%)
RS Investment Management 1,028,454 sh (-3.71%)
Third Avenue Management 141,973 sh (-5.52%)
Keeley Asset Management Corp 1,081,389 sh (-10.57%)
Jim Simons 118,500 sh (-11.04%)
» More
Q3 2016

UMBF Guru Trades in Q3 2016

Barrow, Hanley, Mewhinney & Strauss 1,294,694 sh (+52.04%)
Ken Fisher 741,259 sh (+0.51%)
Third Avenue Management 141,973 sh (unchged)
Keeley Asset Management Corp 968,184 sh (-10.47%)
Paul Tudor Jones 5,384 sh (-35.79%)
Jim Simons 63,900 sh (-46.08%)
» More
Q4 2016

UMBF Guru Trades in Q4 2016

Paul Tudor Jones 11,372 sh (+111.22%)
Barrow, Hanley, Mewhinney & Strauss 1,257,994 sh (-2.83%)
Ken Fisher 719,147 sh (-2.98%)
Third Avenue Management 127,791 sh (-9.99%)
Keeley Asset Management Corp 645,704 sh (-33.31%)
Jim Simons 18,276 sh (-71.40%)
» More
Q1 2017

UMBF Guru Trades in Q1 2017

Jim Simons 144,900 sh (+692.84%)
Ken Fisher 696,363 sh (-3.17%)
Barrow, Hanley, Mewhinney & Strauss 1,198,539 sh (-4.73%)
Paul Tudor Jones 9,732 sh (-14.42%)
Third Avenue Management 96,691 sh (-24.34%)
» 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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Business Description

Industry: Banks » Banks - Regional - US    NAICS: 522110    SIC: 6029
Compare:NYSE:BKU, NAS:MBFI, NAS:HOMB, NYSE:ASB, NAS:TCBI, NYSE:BOH, NAS:CHFC, NAS:UMPQ, NAS:BPOP, NAS:FHB, NAS:WTFC, NAS:HBHC, OTCPK:FCNCB, NYSE:FHN, NAS:IBKC, NAS:FULT, NAS:UBSI, NAS:PNFP, NYSE:VLY, NYSE:STL » details
Traded in other countries:UMB.Germany,
Headquarter Location:USA
UMB Financial Corp is in the business of providing financial solutions in the United States. Its service portfolio comprises of banking and asset management solutions.

UMB Financial Corp, or UMBF, is a financial services holding company offering a suite of banking, asset-management, and health spending solutions. Its customer base includes commercial, institutional, and personal customers across the United States. The company's banking subsidiaries own and operate banking and wealth-management centers mostly throughout the Midwest and Southwest regions of the U.S. Subsidiaries of the holding company and its lead bank, UMB Bank, include mutual fund and alternative investment services groups, single-purpose companies that deal with brokerage services and insurance, and a registered investment advisory. The bank's revenue is split nearly evenly between interest income and noninterest income.

Ratios

vs
industry
vs
history
PE Ratio 21.22
UMBF's PE Ratio is ranked lower than
79% of the 1664 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 14.29 vs. UMBF: 21.22 )
Ranked among companies with meaningful PE Ratio only.
UMBF' s PE Ratio Range Over the Past 10 Years
Min: 12.73  Med: 19.71 Max: 30.75
Current: 21.22
12.73
30.75
Forward PE Ratio 19.80
UMBF's Forward PE Ratio is ranked lower than
88% of the 451 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 15.46 vs. UMBF: 19.80 )
Ranked among companies with meaningful Forward PE Ratio only.
N/A
PE Ratio without NRI 21.22
UMBF's PE Ratio without NRI is ranked lower than
78% of the 1569 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 14.61 vs. UMBF: 21.22 )
Ranked among companies with meaningful PE Ratio without NRI only.
UMBF' s PE Ratio without NRI Range Over the Past 10 Years
Min: 12.73  Med: 19.71 Max: 30.75
Current: 21.22
12.73
30.75
Price-to-Owner-Earnings 17.81
UMBF's Price-to-Owner-Earnings is ranked lower than
67% of the 910 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 13.67 vs. UMBF: 17.81 )
Ranked among companies with meaningful Price-to-Owner-Earnings only.
UMBF' s Price-to-Owner-Earnings Range Over the Past 10 Years
Min: 10.46  Med: 18.97 Max: 54.85
Current: 17.81
10.46
54.85
PB Ratio 1.77
UMBF's PB Ratio is ranked lower than
79% of the 1707 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.19 vs. UMBF: 1.77 )
Ranked among companies with meaningful PB Ratio only.
UMBF' s PB Ratio Range Over the Past 10 Years
Min: 1.08  Med: 1.6 Max: 3.05
Current: 1.77
1.08
3.05
PS Ratio 3.56
UMBF's PS Ratio is ranked lower than
53% of the 1684 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 3.41 vs. UMBF: 3.56 )
Ranked among companies with meaningful PS Ratio only.
UMBF' s PS Ratio Range Over the Past 10 Years
Min: 1.78  Med: 2.89 Max: 4.99
Current: 3.56
1.78
4.99
Price-to-Free-Cash-Flow 14.81
UMBF's Price-to-Free-Cash-Flow is ranked lower than
66% of the 924 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 11.10 vs. UMBF: 14.81 )
Ranked among companies with meaningful Price-to-Free-Cash-Flow only.
UMBF' s Price-to-Free-Cash-Flow Range Over the Past 10 Years
Min: 7.04  Med: 12.61 Max: 88.89
Current: 14.81
7.04
88.89
Price-to-Operating-Cash-Flow 12.35
UMBF's Price-to-Operating-Cash-Flow is ranked lower than
63% of the 1013 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 9.83 vs. UMBF: 12.35 )
Ranked among companies with meaningful Price-to-Operating-Cash-Flow only.
UMBF' s Price-to-Operating-Cash-Flow Range Over the Past 10 Years
Min: 6.4  Med: 10.33 Max: 48.39
Current: 12.35
6.4
48.39
EV-to-EBIT 13.36
UMBF's EV-to-EBIT is ranked lower than
57% of the 1395 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 11.92 vs. UMBF: 13.36 )
Ranked among companies with meaningful EV-to-EBIT only.
UMBF' s EV-to-EBIT Range Over the Past 10 Years
Min: -5.7  Med: 7.4 Max: 18
Current: 13.36
-5.7
18
EV-to-EBITDA 10.64
UMBF's EV-to-EBITDA is ranked higher than
51% of the 1399 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 10.86 vs. UMBF: 10.64 )
Ranked among companies with meaningful EV-to-EBITDA only.
UMBF' s EV-to-EBITDA Range Over the Past 10 Years
Min: -4.4  Med: 5.8 Max: 13.6
Current: 10.64
-4.4
13.6
Shiller PE Ratio 25.35
UMBF's Shiller PE Ratio is ranked lower than
65% of the 501 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 19.95 vs. UMBF: 25.35 )
Ranked among companies with meaningful Shiller PE Ratio only.
UMBF' s Shiller PE Ratio Range Over the Past 10 Years
Min: 16.3  Med: 23.41 Max: 41.37
Current: 25.35
16.3
41.37

Dividend & Buy Back

vs
industry
vs
history
Dividend Yield % 1.40
UMBF's Dividend Yield % is ranked lower than
79% of the 2351 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.66 vs. UMBF: 1.40 )
Ranked among companies with meaningful Dividend Yield % only.
UMBF' s Dividend Yield % Range Over the Past 10 Years
Min: 0.91  Med: 1.65 Max: 2.43
Current: 1.4
0.91
2.43
Dividend Payout Ratio 0.30
UMBF's Dividend Payout Ratio is ranked higher than
95% of the 1337 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.32 vs. UMBF: 0.30 )
Ranked among companies with meaningful Dividend Payout Ratio only.
UMBF' s Dividend Payout Ratio Range Over the Past 10 Years
Min: 0.27  Med: 0.31 Max: 0.39
Current: 0.3
0.27
0.39
3-Year Dividend Growth Rate 4.40
UMBF's 3-Year Dividend Growth Rate is ranked lower than
61% of the 801 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 6.90 vs. UMBF: 4.40 )
Ranked among companies with meaningful 3-Year Dividend Growth Rate only.
UMBF' s 3-Year Dividend Growth Rate Range Over the Past 10 Years
Min: 2.1  Med: 4.9 Max: 12.9
Current: 4.4
2.1
12.9
Forward Dividend Yield % 1.43
UMBF's Forward Dividend Yield % is ranked lower than
82% of the 2235 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.88 vs. UMBF: 1.43 )
Ranked among companies with meaningful Forward Dividend Yield % only.
N/A
5-Year Yield-on-Cost % 1.75
UMBF's 5-Year Yield-on-Cost % is ranked lower than
78% of the 2673 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 3.30 vs. UMBF: 1.75 )
Ranked among companies with meaningful 5-Year Yield-on-Cost % only.
UMBF' s 5-Year Yield-on-Cost % Range Over the Past 10 Years
Min: 1.14  Med: 2.07 Max: 3.04
Current: 1.75
1.14
3.04
3-Year Average Share Buyback Ratio -3.20
UMBF's 3-Year Average Share Buyback Ratio is ranked lower than
56% of the 1073 Companies
in the Global Banks - Regional - US industry.

( Industry Median: -2.00 vs. UMBF: -3.20 )
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: -8.5  Med: 0.8 Max: 4
Current: -3.2
-8.5
4

Valuation & Return

vs
industry
vs
history
Price-to-Tangible-Book 2.03
UMBF's Price-to-Tangible-Book is ranked lower than
78% of the 1722 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.29 vs. UMBF: 2.03 )
Ranked among companies with meaningful Price-to-Tangible-Book only.
UMBF' s Price-to-Tangible-Book Range Over the Past 10 Years
Min: 0.87  Med: 1.53 Max: 2.79
Current: 2.03
0.87
2.79
Price-to-Intrinsic-Value-Projected-FCF 1.03
UMBF's Price-to-Intrinsic-Value-Projected-FCF is ranked lower than
73% of the 953 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.78 vs. UMBF: 1.03 )
Ranked among companies with meaningful Price-to-Intrinsic-Value-Projected-FCF only.
UMBF' s Price-to-Intrinsic-Value-Projected-FCF Range Over the Past 10 Years
Min: 0.5  Med: 0.78 Max: 1.3
Current: 1.03
0.5
1.3
Price-to-Median-PS-Value 1.23
UMBF's Price-to-Median-PS-Value is ranked lower than
60% of the 1632 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.14 vs. UMBF: 1.23 )
Ranked among companies with meaningful Price-to-Median-PS-Value only.
UMBF' s Price-to-Median-PS-Value Range Over the Past 10 Years
Min: 0.52  Med: 0.88 Max: 2.82
Current: 1.23
0.52
2.82
Price-to-Graham-Number 1.38
UMBF's Price-to-Graham-Number is ranked lower than
80% of the 1545 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.97 vs. UMBF: 1.38 )
Ranked among companies with meaningful Price-to-Graham-Number only.
UMBF' s Price-to-Graham-Number Range Over the Past 10 Years
Min: 0.56  Med: 1.08 Max: 1.64
Current: 1.38
0.56
1.64
Earnings Yield (Greenblatt) % 7.49
UMBF's Earnings Yield (Greenblatt) % is ranked higher than
56% of the 1832 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 6.18 vs. UMBF: 7.49 )
Ranked among companies with meaningful Earnings Yield (Greenblatt) % only.
UMBF' s Earnings Yield (Greenblatt) % Range Over the Past 10 Years
Min: 5.6  Med: 13.1 Max: 20122.2
Current: 7.49
5.6
20122.2
Forward Rate of Return (Yacktman) % 4.96
UMBF's Forward Rate of Return (Yacktman) % is ranked lower than
70% of the 936 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 11.50 vs. UMBF: 4.96 )
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: 4.1  Med: 13.4 Max: 18.7
Current: 4.96
4.1
18.7

More Statistics

Revenue (TTM) (Mil) $992.3
EPS (TTM) $ 3.36
Beta0.76
Short Percentage of Float3.89%
52-Week Range $48.87 - 81.55
Shares Outstanding (Mil)49.84

Analyst Estimate

Dec17 Dec18
Revenue (Mil $)
EPS ($) 3.60 3.90
EPS without NRI ($) 3.60 3.90
EPS Growth Rate
(Future 3Y To 5Y Estimate)
N/A
Dividends per Share ($) 1.02 1.06
» More Articles for UMBF

Headlines

Articles On GuruFocus.com
Punch Card Research: Interview With Mr. Geoff Gannon of Focused Investing May 22 2017 
KEELEY Small Cap Value Fund 4th Quarter Commentary Jan 27 2017 
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 

More From Other Websites
Edited Transcript of UMBF earnings conference call or presentation 26-Apr-17 1:30pm GMT May 04 2017
UMB Financial Corporation Announces $0.255 Quarterly Cash Dividend and Common Stock Repurchase... Apr 25 2017
UMB tops Street 1Q forecasts Apr 25 2017
UMB Financial Corporation Reports First Quarter Net Income of $44.2 Million or $0.89 per diluted... Apr 25 2017
UMB Financial Corp. breached its 50 day moving average in a Bullish Manner : UMBF-US : April 25,... Apr 25 2017
What's in the Cards for T. Rowe Price (TROW) in Q1 Earnings? Apr 24 2017
UMB Announces Annual Meeting of Shareholders Available by Webcast and Telephone Apr 21 2017
UMB sells longtime subsidiary for $172.5M Apr 20 2017
Raymond James strikes $172M deal to buy Kansas City investment manager Apr 20 2017
UMB Financial Corporation Announces Agreement to Sell Scout Investments, Inc. to Carillon Tower... Apr 20 2017
UMB Announces Conference Call to Discuss First Quarter 2017 Results Apr 05 2017
UMB Financial Corp. : UMBF-US: Dividend Analysis : March 10th, 2017 (record date) : By the numbers :... Apr 04 2017
UMB Financial Corp. breached its 50 day moving average in a Bearish Manner : UMBF-US : March 16,... Mar 16 2017
4 Reasons to Bet on UMB Financial (UMBF) Stock Mar 08 2017
UMB Reaches Nearly $2 Billion in HSA Assets and Deposits Feb 15 2017
Healthiest Employers: Honoree – UMB Financial Corp. Feb 10 2017
Zacks.com featured highlights: Teradyne, WEX, UMB Financial, Lam Research and Morgan Stanley Feb 06 2017
UMB Financial (UMBF): Strong Industry, Solid Earnings Estimate Revisions Feb 06 2017
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UMB Financial Corp. : UMBF-US: Dividend Analysis : December 09th, 2016 (record date) : By the... Jan 30 2017

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