(UMBF) UMB Financial - Overview
Sector: Financial Services | Industry: Banks - Regional | Exchange: NASDAQ (USA) | Market Cap: 9.471m USD | Total Return: 30.4% in 12m
Avg Turnover: 85.8M
EPS Trend: 94.6%
Qual. Beats: 2
Rev. Trend: 96.7%
Qual. Beats: 0
Warnings
Share dilution 16.5% YoY
Choppy
Tailwinds
Confidence
UMB Financial Corporation (NASDAQ: UMBF) is a Kansas City-based bank holding company operating through Commercial, Institutional, and Personal Banking segments. The firm provides a diversified suite of services ranging from traditional commercial lending and treasury management to specialized institutional fund administration and healthcare payment solutions, including Health Savings Account (HSA) custody.
As a regional bank, UMBF relies on a spread-based business model where profitability is largely driven by the net interest margin between loan yields and deposit costs. The company’s significant presence in institutional fee-based services, such as fund accounting and corporate trust, provides a diversified revenue stream that can mitigate the cyclicality typically associated with standard interest rate environments.
For more detailed insights into the company’s capital ratios and historical performance, consider reviewing the comprehensive data available on ValueRay.
- Commercial loan growth and asset quality drive net interest income performance
- Institutional fund services fee revenue provides stability against interest rate volatility
- Health Savings Account deposit growth lowers overall funding costs for the bank
- Heartland Financial acquisition integration impacts near term capital ratios and expenses
- Net interest margin sensitivity remains dependent on Federal Reserve monetary policy shifts
| Net Income: 882.5m TTM > 0 and > 6% of Revenue |
| FCF/TA: 0.01 > 0.02 and ΔFCF/TA 0.63 > 1.0 |
| NWC/Revenue: -1.44k% < 20% (prev -1.38k%; Δ -57.31% < -1%) |
| CFO/TA 0.01 > 3% & CFO 1.02b > Net Income 882.5m |
| Net Debt (3.29b) to EBITDA (1.09b): 3.03 < 3 |
| Current Ratio: 0.01 > 1.5 & < 3 |
| Outstanding Shares: last quarter (76.3m) vs 12m ago 16.50% < -2% |
| Gross Margin: 56.67% > 18% (prev 0.52%; Δ 5.62k% > 0.5%) |
| Asset Turnover: 6.28% > 50% (prev 4.10%; Δ 2.18% > 0%) |
| Interest Coverage Ratio: 0.63 > 6 (EBITDA TTM 1.09b / Interest Expense TTM 1.48b) |
| A: -0.88 (Total Current Assets 735.8m - Total Current Liabilities 64.9b) / Total Assets 72.7b |
| B: 0.05 (Retained Earnings 3.96b / Total Assets 72.7b) |
| C: 0.01 (EBIT TTM 933.4m / Avg Total Assets 71.0b) |
| D: 0.06 (Book Value of Equity 3.71b / Total Liabilities 64.8b) |
| Altman-Z'' = -5.47 = D |
As of May 24, 2026, the stock is trading at USD 130.95 with a total of 537,192 shares traded.
Over the past week, the price has changed by +5.26%,
over one month by +6.95%,
over three months by +9.71% and
over the past year by +30.37%.
UMB Financial has received a consensus analysts rating of 4.09. Therefore, it is recommended to buy UMBF.
- StrongBuy: 4
- Buy: 4
- Hold: 3
- Sell: 0
- StrongSell: 0
| Analysts Target Price | 147.1 | 12.3% |
P/E Forward = 10.6496
P/S = 3.4665
P/B = 1.3249
P/EG = 2.5387
Revenue TTM = 4.46b USD
EBIT TTM = 933.4m USD
EBITDA TTM = 1.09b USD
Long Term Debt = 256.0m USD (from longTermDebt, last quarter)
Short Term Debt = 3.55b USD (from shortTermDebt, last quarter)
Debt = 4.03b USD (from shortLongTermDebtTotal, last quarter)
Net Debt = 3.29b USD (calculated: Debt 4.03b - CCE 735.8m)
Enterprise Value = 12.8b USD (9.47b + Debt 4.03b - CCE 735.8m)
Interest Coverage Ratio = 0.63 (Ebit TTM 933.4m / Interest Expense TTM 1.48b)
EV/FCF = 13.01x (Enterprise Value 12.8b / FCF TTM 980.7m)
FCF Yield = 7.68% (FCF TTM 980.7m / Enterprise Value 12.8b)
FCF Margin = 21.99% (FCF TTM 980.7m / Revenue TTM 4.46b)
Net Margin = 19.79% (Net Income TTM 882.5m / Revenue TTM 4.46b)
Gross Margin = 56.67% ((Revenue TTM 4.46b - Cost of Revenue TTM 1.93b) / Revenue TTM)
Gross Margin QoQ = 61.63% (prev 66.42%)
Tobins Q-Ratio = 0.18 (Enterprise Value 12.8b / Total Assets 72.7b)
Interest Expense / Debt = 36.85% (Interest Expense 1.48b / Debt 4.03b)
Taxrate = 21.08% (69.8m / 331.3m)
NOPAT = 736.6m (EBIT 933.4m * (1 - 21.08%))
Current Ratio = 0.01 (Total Current Assets 735.8m / Total Current Liabilities 64.9b)
Debt / Equity = 0.51 (Debt 4.03b / totalStockholderEquity, last quarter 7.83b)
Debt / EBITDA = 3.03 (Net Debt 3.29b / EBITDA 1.09b)
Debt / FCF = 3.36 (Net Debt 3.29b / FCF TTM 980.7m)
Total Stockholder Equity = 7.56b (last 4 quarters mean from totalStockholderEquity)
RoA = 1.24% (Net Income 882.5m / Total Assets 72.7b)
RoE = 11.67% (Net Income TTM 882.5m / Total Stockholder Equity 7.56b)
RoCE = 11.94% (EBIT 933.4m / Capital Employed (Equity 7.56b + L.T.Debt 256.0m))
RoIC = 1.01% (NOPAT 736.6m / Invested Capital 72.7b)
WACC = 15.86% (E(9.47b)/V(13.5b) * Re(10.23%) + D(4.03b)/V(13.5b) * Rd(36.85%) * (1-Tc(0.21)))
Discount Rate = 10.23% (= CAPM, Blume Beta Adj.)
Shares (quarterly) Correlation: 91.11 | Cagr: 21.91%
[DCF] Terminal Value 57.50% ; FCFF base≈789.0m ; Y1≈904.5m ; Y5≈1.33b
[DCF] Fair Price = 68.69 (EV 8.51b - Net Debt 3.29b = Equity 5.22b / Shares 76.0m; r=15.86% [WACC]; 5y FCF grow 15.0% → 2.50% )
EPS Correlation: 94.59 | EPS CAGR: 20.89% | SUE: 2.95 | # QB: 2
Revenue Correlation: 96.74 | Revenue CAGR: 36.05% | SUE: 0.29 | # QB: 0
EPS current Quarter (2026-06-30): EPS=3.09 | Chg30d=+3.05% | Revisions=+62% | Analysts=12
EPS next Quarter (2026-09-30): EPS=3.18 | Chg30d=+3.18% | Revisions=+62% | Analysts=12
EPS current Year (2026-12-31): EPS=12.88 | Chg30d=+6.90% | Revisions=+75% | GrowthEPS=+13.5% | GrowthRev=+10.2%
EPS next Year (2027-12-31): EPS=13.70 | Chg30d=+3.91% | Revisions=+75% | GrowthEPS=+6.4% | GrowthRev=+6.3%
[Analyst] Revisions Ratio: +75%