UMB Financial Corporation (UMBF)

UMB Financial Statistics

Total Valuation

UMB Financial has a market cap or net worth of $7.28 billion. The enterprise value is $8.94 billion.

Market Cap	7.28B
Enterprise Value	8.94B

Important Dates

The next estimated earnings date is Monday, April 28, 2025, before market open.

Earnings Date	Apr 28, 2025
Ex-Dividend Date	Mar 10, 2025

Share Statistics

UMB Financial has 72.66 million shares outstanding. The number of shares has increased by 0.60% in one year.

Current Share Class	72.66M
Shares Outstanding	72.66M
Shares Change (YoY)	+0.60%
Shares Change (QoQ)	+0.20%
Owned by Insiders (%)	3.24%
Owned by Institutions (%)	65.65%
Float	69.54M

Valuation Ratios

The trailing PE ratio is 11.14 and the forward PE ratio is 10.69.

PE Ratio	11.14
Forward PE	10.69
PS Ratio	3.11
Forward PS	2.87
PB Ratio	1.41
P/TBV Ratio	2.29
P/FCF Ratio	36.20
P/OCF Ratio	32.31
PEG Ratio	n/a

Enterprise Valuation

EV / Earnings	20.27
EV / Sales	5.70
EV / EBITDA	n/a
EV / EBIT	n/a
EV / FCF	44.48

Financial Position

Current Ratio	n/a
Quick Ratio	n/a
Debt / Equity	n/a
Debt / EBITDA	n/a
Debt / FCF	15.70
Interest Coverage	n/a

Financial Efficiency

Return on equity (ROE) is 13.44%.

Return on Equity (ROE)	13.44%
Return on Assets (ROA)	0.93%
Return on Invested Capital (ROIC)	n/a
Return on Capital Employed (ROCE)	n/a
Revenue Per Employee	$424,002
Profits Per Employee	$119,319
Employee Count	3,698
Asset Turnover	n/a
Inventory Turnover	n/a

Taxes

In the past 12 months, UMB Financial has paid $100.03 million in taxes.

Income Tax	100.03M
Effective Tax Rate	18.48%

Stock Price Statistics

The stock price has increased by +17.03% in the last 52 weeks. The beta is 0.81, so UMB Financial's price volatility has been lower than the market average.

Beta (5Y)	0.81
52-Week Price Change	+17.03%
50-Day Moving Average	109.94
200-Day Moving Average	106.04
Relative Strength Index (RSI)	37.83
Average Volume (20 Days)	643,832

Short Selling Information

The latest short interest is 1.62 million, so 2.23% of the outstanding shares have been sold short.

Short Interest	1.62M
Short Previous Month	2.00M
Short % of Shares Out	2.23%
Short % of Float	2.33%
Short Ratio (days to cover)	2.47

Income Statement

In the last 12 months, UMB Financial had revenue of $1.57 billion and earned $441.24 million in profits. Earnings per share was $8.99.

Revenue	1.57B
Gross Profit	1.57B
Operating Income	580.88M
Pretax Income	460.77M
Net Income	441.24M
EBITDA	n/a
EBIT	n/a
Earnings Per Share (EPS)	$8.99

Balance Sheet

The company has $1.49 billion in cash and $3.16 billion in debt, giving a net cash position of -$1.67 billion or -$22.93 per share.

Cash & Cash Equivalents	1.49B
Total Debt	3.16B
Net Cash	-1.67B
Net Cash Per Share	-$22.93
Equity (Book Value)	3.47B
Book Value Per Share	71.02
Working Capital	-36.50B

Cash Flow

In the last 12 months, operating cash flow was $225.29 million and capital expenditures -$24.21 million, giving a free cash flow of $201.08 million.

Operating Cash Flow	225.29M
Capital Expenditures	-24.21M
Free Cash Flow	201.08M
FCF Per Share	$2.77

Margins

Gross Margin	n/a
Operating Margin	37.05%
Pretax Margin	34.52%
Profit Margin	28.14%
EBITDA Margin	n/a
EBIT Margin	n/a
FCF Margin	12.82%

Dividends & Yields

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

Dividend Per Share	$1.60
Dividend Yield	1.60%
Dividend Growth (YoY)	2.60%
Years of Dividend Growth	10
Payout Ratio	17.80%
Buyback Yield	-0.60%
Shareholder Yield	1.00%
Earnings Yield	6.06%
FCF Yield	2.76%

Analyst Forecast

The average price target for UMB Financial is $128.71, which is 28.47% higher than the current price. The consensus rating is "Buy".

Price Target	$128.71
Price Target Difference	28.47%
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