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UMB Financial (FRA:UMB) Shiller PE Ratio : 14.79 (As of Jul. 23, 2025)


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What is UMB Financial Shiller PE Ratio?

As of today (2025-07-23), UMB Financial's current share price is €92.00. UMB Financial's E10 for the quarter that ended in Mar. 2025 was €6.22. UMB Financial's Shiller PE Ratio for today is 14.79.

The historical rank and industry rank for UMB Financial's Shiller PE Ratio or its related term are showing as below:

FRA:UMB' s Shiller PE Ratio Range Over the Past 10 Years
Min: 9.74   Med: 19.17   Max: 29.9
Current: 16.07

During the past years, UMB Financial's highest Shiller PE Ratio was 29.90. The lowest was 9.74. And the median was 19.17.

FRA:UMB's Shiller PE Ratio is ranked worse than
75.33% of 1200 companies
in the Banks industry
Industry Median: 12.02 vs FRA:UMB: 16.07

E10 is a concept invented by Prof. Robert Shiller, who uses E10 for his Shiller PE Ratio calculation. E10 is the average of the inflation adjusted earnings of a company over the past 10 years.

UMB Financial's adjusted earnings per share data for the three months ended in Mar. 2025 was €1.119. Add all the adjusted EPS for the past 10 years together and divide 10 will get our E10, which is €6.22 for the trailing ten years ended in Mar. 2025.

Shiller PE for Stocks: The True Measure of Stock Valuation


UMB Financial Shiller PE Ratio Historical Data

The historical data trend for UMB Financial's Shiller PE Ratio can be seen below:

* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD.
* For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.

* Premium members only.

UMB Financial Shiller PE Ratio Chart

UMB Financial Annual Data
Trend Dec15 Dec16 Dec17 Dec18 Dec19 Dec20 Dec21 Dec22 Dec23 Dec24
Shiller PE Ratio
Get a 7-Day Free Trial Premium Member Only Premium Member Only 17.47 22.85 15.33 14.09 16.97

UMB Financial Quarterly Data
Jun20 Sep20 Dec20 Mar21 Jun21 Sep21 Dec21 Mar22 Jun22 Sep22 Dec22 Mar23 Jun23 Sep23 Dec23 Mar24 Jun24 Sep24 Dec24 Mar25
Shiller PE Ratio Get a 7-Day Free Trial Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only 14.04 13.16 16.22 16.97 14.96

Competitive Comparison of UMB Financial's Shiller PE Ratio

For the Banks - Regional subindustry, UMB Financial's Shiller PE Ratio, along with its competitors' market caps and Shiller PE Ratio data, can be viewed below:

* Competitive companies are chosen from companies within the same industry, with headquarter located in same country, with closest market capitalization; x-axis shows the market cap, and y-axis shows the term value; the bigger the dot, the larger the market cap. Note that "N/A" values will not show up in the chart.


UMB Financial's Shiller PE Ratio Distribution in the Banks Industry

For the Banks industry and Financial Services sector, UMB Financial's Shiller PE Ratio distribution charts can be found below:

* The bar in red indicates where UMB Financial's Shiller PE Ratio falls into.


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UMB Financial Shiller PE Ratio Calculation

For Shiller PE Ratio, the earnings of the past 10 years are inflation-adjusted and averaged. The result is used for P/E calculation. Since it looks at the average over the last 10 years, the Shiller PE Ratio is also called PE10.

The Shiller PE Ratio was first used by professor Robert Shiller to measure the valuation of the overall market. The same calculation is applied here to individual companies.

UMB Financial's Shiller PE Ratio for today is calculated as

Shiller PE Ratio=Share Price/ E10
=92.00/6.22
=14.79

* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD.
* For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.

UMB Financial's E10 for the quarter that ended in Mar. 2025 is calculated as:

For example, UMB Financial's adjusted earnings per share data for the three months ended in Mar. 2025 was:

Adj_EPS=Earnings per Share (Diluted)/CPI of Mar. 2025 (Change)*Current CPI (Mar. 2025)
=1.119/134.9266*134.9266
=1.119

Current CPI (Mar. 2025) = 134.9266.

UMB Financial Quarterly Data

Earnings per Share (Diluted) CPI Adj_EPS
201506 0.579 100.684 0.776
201509 0.410 100.392 0.551
201512 0.551 99.792 0.745
201603 0.665 100.470 0.893
201606 0.676 101.688 0.897
201609 0.757 101.861 1.003
201612 0.825 101.863 1.093
201703 0.832 102.862 1.091
201706 0.765 103.349 0.999
201709 0.814 104.136 1.055
201712 1.901 104.011 2.466
201803 0.925 105.290 1.185
201806 0.950 106.317 1.206
201809 0.994 106.507 1.259
201812 0.457 105.998 0.582
201903 1.044 107.251 1.313
201906 1.027 108.070 1.282
201909 1.153 108.329 1.436
201912 1.215 108.420 1.512
202003 -0.063 108.902 -0.078
202006 1.119 108.767 1.388
202009 1.290 109.815 1.585
202012 2.663 109.897 3.270
202103 1.604 111.754 1.937
202106 1.486 114.631 1.749
202109 1.649 115.734 1.922
202112 1.425 117.630 1.635
202203 1.970 121.301 2.191
202206 2.677 125.017 2.889
202209 1.828 125.227 1.970
202212 1.945 125.222 2.096
202303 1.775 127.348 1.881
202306 1.708 128.729 1.790
202309 1.855 129.860 1.927
202312 1.330 129.419 1.387
202403 2.070 131.776 2.119
202406 1.923 132.554 1.957
202409 2.009 133.029 2.038
202412 2.330 133.157 2.361
202503 1.119 134.927 1.119

Add all the adjusted EPS together and divide 10 will get our E10.

Please note that we use the CPI data of the country/region where the company is headquartered. If the CPI data for that country/region is not available, then we will use the CPI data of the United States as default.


UMB Financial  (FRA:UMB) Shiller PE Ratio Explanation

Compared with the regular PE Ratio, which works poorly for cyclical businesses, the Shiller PE Ratio smoothed out the fluctuations of profit margins during business cycles. Therefore it is more accurate in reflecting the valuation of the company.

If a company has consistent business performance, the Shiller PE Ratio should give similar results to regular PE Ratio.

Compared with the PS Ratio, the Shiller PE Ratio makes the comparison between different industries more meaningful.


Be Aware

Shiller PE Ratio assumes that over the long term, businesses and profitability revert to their means. If a company's business model does not work in the future compared with the past, Shiller PE Ratio and PS Ratio will give false valuations.


UMB Financial Shiller PE Ratio Related Terms

Thank you for viewing the detailed overview of UMB Financial's Shiller PE Ratio provided by GuruFocus.com. Please click on the following links to see related term pages.


UMB Financial Business Description

Traded in Other Exchanges
Address
1010 Grand Boulevard, Kansas City, MO, USA, 64106
UMB Financial Corp, or UMBF, is a financial services holding company offering a suite of banking services and asset servicing to its customers in the United States and around the world. Its client base includes commercial, institutional, and personal customers. Along with its subsidiaries, the company operates in the following business segments: Commercial Banking, Institutional Banking, and Personal Banking. A majority of its revenue is generated from the Commercial Banking segment, which serves the commercial banking and treasury management needs of small to middle-market businesses through various products and services such as commercial loans, commercial real estate financing, commercial credit cards, letters of credit, loan syndication services, consultative services, and others.

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