UMB Financial Corporation (UMBF)

UMB Financial Statistics

Total Valuation

UMB Financial has a market cap or net worth of $5.59 billion. The enterprise value is $7.57 billion.

Market Cap	5.59B
Enterprise Value	7.57B

Important Dates

The next estimated earnings date is Tuesday, January 28, 2025, after market close.

Earnings Date	Jan 28, 2025
Ex-Dividend Date	Dec 10, 2024

Share Statistics

UMB Financial has 48.80 million shares outstanding. The number of shares has increased by 0.41% in one year.

Current Share Class	48.80M
Shares Outstanding	48.80M
Shares Change (YoY)	+0.41%
Shares Change (QoQ)	+0.21%
Owned by Insiders (%)	4.40%
Owned by Institutions (%)	96.49%
Float	45.88M

Valuation Ratios

The trailing PE ratio is 14.30 and the forward PE ratio is 12.72. UMB Financial's PEG ratio is 2.12.

PE Ratio	14.30
Forward PE	12.72
PS Ratio	3.66
Forward PS	2.58
PB Ratio	1.58
P/TBV Ratio	1.71
P/FCF Ratio	15.56
P/OCF Ratio	14.83
PEG Ratio	2.12

Enterprise Valuation

EV / Earnings	19.30
EV / Sales	4.97
EV / EBITDA	n/a
EV / EBIT	n/a
EV / FCF	21.06

Financial Position

Current Ratio	n/a
Quick Ratio	n/a
Debt / Equity	n/a
Debt / EBITDA	n/a
Debt / FCF	9.88
Interest Coverage	n/a

Financial Efficiency

Return on equity (ROE) is 12.37%.

Return on Equity (ROE)	12.37%
Return on Assets (ROA)	0.88%
Return on Capital (ROIC)	n/a
Revenue Per Employee	$423,326
Profits Per Employee	$108,966
Employee Count	3,599
Asset Turnover	n/a
Inventory Turnover	n/a

Taxes

In the past 12 months, UMB Financial has paid $85.08 million in taxes.

Income Tax	85.08M
Effective Tax Rate	17.83%

Stock Price Statistics

The stock price has increased by +37.08% in the last 52 weeks. The beta is 0.82, so UMB Financial's price volatility has been lower than the market average.

Beta (5Y)	0.82
52-Week Price Change	+37.08%
50-Day Moving Average	117.76
200-Day Moving Average	96.72
Relative Strength Index (RSI)	37.92
Average Volume (20 Days)	404,551

Short Selling Information

The latest short interest is 3.23 million, so 6.63% of the outstanding shares have been sold short.

Short Interest	3.23M
Short Previous Month	3.25M
Short % of Shares Out	6.63%
Short % of Float	7.05%
Short Ratio (days to cover)	7.60

Income Statement

In the last 12 months, UMB Financial had revenue of $1.52 billion and earned $392.17 million in profits. Earnings per share was $8.01.

Revenue	1.52B
Gross Profit	1.52B
Operating Income	570.92M
Pretax Income	460.77M
Net Income	392.17M
EBITDA	n/a
EBIT	n/a
Earnings Per Share (EPS)	$8.01

Balance Sheet

The company has $1.57 billion in cash and $3.55 billion in debt, giving a net cash position of -$1.98 billion or -$40.50 per share.

Cash & Cash Equivalents	1.57B
Total Debt	3.55B
Net Cash	-1.98B
Net Cash Per Share	-$40.50
Equity (Book Value)	3.54B
Book Value Per Share	72.45
Working Capital	-34.88B

Cash Flow

In the last 12 months, operating cash flow was $377.14 million and capital expenditures -$17.80 million, giving a free cash flow of $359.33 million.

Operating Cash Flow	377.14M
Capital Expenditures	-17.80M
Free Cash Flow	359.33M
FCF Per Share	$7.36

Margins

Gross Margin	n/a
Operating Margin	37.47%
Pretax Margin	31.32%
Profit Margin	25.74%
EBITDA Margin	n/a
EBIT Margin	n/a
FCF Margin	23.59%

Dividends & Yields

This stock pays an annual dividend of $1.60, which amounts to a dividend yield of 1.40%.

Dividend Per Share	$1.60
Dividend Yield	1.40%
Dividend Growth (YoY)	2.61%
Years of Dividend Growth	28
Payout Ratio	19.97%
Buyback Yield	-0.41%
Shareholder Yield	0.99%
Earnings Yield	7.01%
FCF Yield	6.42%

Analyst Forecast

The average price target for UMB Financial is $123.14, which is 7.44% higher than the current price. The consensus rating is "Buy".

Price Target	$123.14
Price Target Difference	7.44%
Analyst Consensus	Buy
Analyst Count	7
Revenue Growth Forecast (5Y)	n/a
EPS Growth Forecast (5Y)	n/a

Stock Splits

The last stock split was on May 31, 2006. It was a forward split with a ratio of 2:1.

Last Split Date	May 31, 2006
Split Type	Forward
Split Ratio	2:1

Scores

Altman Z-Score	n/a
Piotroski F-Score	3