UMB FinancialFRA:UMB +1.63%81 PEG Ratio is 1.55 as of Jul. 10, 2026, which is 31% below its 10-year median of 2.24. GuruFocus rates FRA:UMB with a GF Score™ of 81/100 and a GF Value™ of €105.70. The stock has 7 warning signs investors should review. Among 1,227 Banks companies, UMB Financial ranks worse than 50.37% on this metric.
PE Ratio without NRI / 5-Year Book Value Growth Rate*
PEG Ratio is defined as the PE Ratio without NRI divided by the growth ratio. The growth rate we use for banks is the 5-Year Book Value growth rate. As of today, UMB Financial's PE Ratio without NRI is 11.97. UMB Financial's 5-Year Book Value growth rate is 7.70%. Therefore, UMB Financial's PEG Ratio for today is 1.55.
* The 5-Year Book Value Growth Rate is the 5-year average Book Value per share growth rate. While the denominator is a percentage, we use the whole number as opposed to the decimal form for the calculation. For example, 5% would be shown as 5 as opposed to 0.05. If it's smaller than or equal to 0, then the PEG Ratio is not calculated.
The historical rank and industry rank for UMB Financial's PEG Ratio or its related term are showing as below:
FRA:UMB'
s PEG Ratio Range Over the Past 10 Years
Min: 0.86 Med: 2.24 Max: 4.78
Current: 1.54
During the past 13 years, UMB Financial's highest PEG Ratio was 4.78. The lowest was 0.86. And the median was 2.24.
FRA:UMB's PEG Ratio is ranked worse than 50.37% of 1227
companies
in the Banks industry
Industry Median: 1.53
vs FRA:UMB: 1.54
Peter Lynch thinks a company with a P/E ratio equal to its growth rate is fairly valued.
UMB Financial (FRA:UMB) PEG Ratio Explanation
To compare stocks with different growth rates, Peter Lynch invented a ratio called PEG Ratio. PEG Ratio is defined as the P/E ratio divided by the growth ratio. He thinks a company with a P/E ratio equal to its growth rate is fairly valued. Still he said he would rather buy a company growing 20% a year with a P/E of 20, instead of a company growing 10% a year with a P/E of 10.
UMB Financial PEG Ratio Related Terms
UMB Financial PEG Ratio Historical Data
* Premium members only.
The historical data trend for UMB Financial's PEG 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.
For the Banks - Regional subindustry, UMB Financial's PEG Ratio, along with its competitors' market caps and PEG 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 PEG Ratio vs Banks Industry
For the Banks industry and Financial Services sector, UMB Financial's PEG Ratio distribution charts can be found below:
* The bar in red indicates where UMB Financial's PEG Ratio falls into.
* 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.
* Note: The 5-Year Book Value Growth Rate is the 5-year average Book Value per share growth rate. While the denominator is a percentage, we use the whole number as opposed to the decimal form for the calculation. For example, 5% would be shown as 5 as opposed to 0.05. If it's smaller than or equal to 0, then the PEG Ratio is not calculated.
UMB Financial (FRA:UMB) has a PEG Ratio of 1.55 as of Jul. 10, 2026. Price-earnings to growth ratio is the ratio of price-earnings to a company's earnings growth rate. View historical data on UMB Financial and its competitors. This is 31% below median its historical median of 2.24. Over the past decade, UMB Financial's PEG Ratio has ranged from 0.86 to 4.78. According to the industry distribution chart, UMB Financial ranks #618 out of 1227 companies in the Banks industry, placing it in the top 50.4%.
Is UMB Financial's PEG Ratio too high?
UMB Financial's current PEG Ratio of 1.55 is 31% below median its 10-year median of 2.24. Over the past 10 years, this metric has ranged from a low of 0.86 to a high of 4.78. The Banks industry median PEG Ratio is 1.53. UMB Financial's value of 1.55 is 1.3% above this industry median. Based on the distribution chart, UMB Financial ranks #618 out of 1227 companies in the Banks industry, which is below the industry midpoint. Overall, UMB Financial has a GF Score™ of 81/100, reflecting its overall financial health beyond just this single metric.
How does UMB Financial's PEG Ratio compare to WTFC and BPOP?
According to the Banks industry distribution chart, UMB Financial ranks #618 out of 1227 companies for PEG Ratio. This places UMB Financial in the lower half of its industry. The industry median PEG Ratio is 1.53. UMB Financial's value of 1.55 is 1.3% above this benchmark. Historically, UMB Financial's own PEG Ratio has ranged from 0.86 to 4.78 over the past decade. While the company's 10-year median is 2.24 vs. the industry median of 1.53, UMB Financial has consistently been above the industry average. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good PEG Ratio for a Banks company?
The median PEG Ratio among Banks companies is 1.53, based on 1,227 companies in the industry. Companies in the top quartile (top 25%) have a PEG Ratio significantly above this median, while those in the bottom quartile fall well below. However, PEG Ratio should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. UMB Financial's current PEG Ratio of 1.55 is 1.3% above the industry median. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high PEG Ratio mean?
A high PEG Ratio can signal that a stock is expensive relative to its fundamentals. Price-earnings to growth ratio is the ratio of price-earnings to a company's earnings growth rate. View historical data on UMB Financial and its competitors. For the Banks industry, the median PEG Ratio is 1.53 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. UMB Financial's current PEG Ratio is 1.55, which is 31% below median its own 10-year median of 2.24. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is UMB Financial stock overvalued right now?
UMB Financial (FRA:UMB) has a current PEG Ratio of 1.55. The stock's GF Value™ is €105.70, compared to a current price of €125.00 — trading 18.3% above its estimated fair value. The current PEG Ratio is 1.55, which is 31% below median its 10-year median of 2.24 and 1.3% above the Banks industry median of 1.53. UMB Financial's overall GF Score™ is 81/100 with 7 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is PEG Ratio calculated?
PEG Ratio is calculated from a company's financial statements. For UMB Financial (FRA:UMB), the current PEG Ratio is 1.55 as of Jul. 10, 2026. GuruFocus calculates this using data sourced from SEC filings and annual reports. See the calculation section and 30-year financial data on this page for the full breakdown.
Is UMB Financial (FRA:UMB) Overvalued in 2026?
Based on GuruFocus' analysis, UMB Financial stock appears to be overvalued.
The current stock price of €125.00 is trading 18.3% above its estimated GF Value™ of €105.70.
Key valuation signals for FRA:UMB:
PEG Ratio: 1.55 (31% below median its 10-year median of 2.24)
GF Value™: €105.70 vs. price of €125.00 (18.3% above fair value)
Industry Position: 1.3% above the Banks median (#618 of 1227)
No single metric tells the full story. See the FRA:UMB stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
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.
81GF Score
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