UMBF Umb Financial Corp

Price (delayed)

$75.46

Market cap

$3.66B

P/E Ratio

9.64

Dividend/share

$1.52

EPS

$7.83

Enterprise value

$3.84B

UMB Financial Corporation is an American financial services holding company founded in 1913 as City Center Bank and based in Kansas City, Missouri. It offers complete banking, payment solutions, asset ...

Highlights
The equity has increased by 11% year-on-year
The stock's price to earnings (P/E) is 21% more than its last 4 quarters average of 8.0 but 19% less than its 5-year quarterly average of 11.9
UMBF's EPS is down by 8% year-on-year but it is up by 2.2% since the previous quarter
The debt has surged by 65% year-on-year and by 4.9% since the previous quarter

Key stats

What are the main financial stats of UMBF
Market
Shares outstanding
48.53M
Market cap
$3.66B
Enterprise value
$3.84B
Valuations
Price to book (P/B)
1.3
Price to sales (P/S)
2.59
EV/EBIT
8.27
EV/EBITDA
7.34
EV/Sales
2.72
Earnings
Revenue
$1.41B
EBIT
$464.65M
EBITDA
$523.49M
Free cash flow
$495.94M
Per share
EPS
$7.83
Free cash flow per share
$10.22
Book value per share
$57.85
Revenue per share
$29.09
TBVPS
$848.71
Balance sheet
Total assets
$41.46B
Total liabilities
$38.66B
Debt
$4.44B
Equity
$2.81B
Working capital
N/A
Liquidity
Debt to equity
1.58
Current ratio
N/A
Quick ratio
N/A
Net debt/EBITDA
0.35
Margins
EBITDA margin
37.1%
Gross margin
100%
Net margin
26.9%
Operating margin
32.9%
Efficiency
Return on assets
0.9%
Return on equity
13.6%
Return on invested capital
1.1%
Return on capital employed
N/A
Return on sales
32.9%
Dividend
Dividend yield
2.01%
DPS
$1.52
Payout ratio
19.4%

UMBF stock price

How has the Umb Financial stock price performed over time
Intraday
-0.47%
1 week
4.82%
1 month
10.4%
1 year
-6.45%
YTD
-9.65%
QTD
21.61%

Financial performance

How have Umb Financial's revenue and profit performed over time
Revenue
$1.41B
Gross profit
$1.41B
Operating income
$464.65M
Net income
$379.27M
Gross margin
100%
Net margin
26.9%
Umb Financial's operating margin has decreased by 10% YoY
The net margin has declined by 9% year-on-year
Umb Financial's operating income has decreased by 8% YoY but it has increased by 2.3% QoQ
Umb Financial's net income has decreased by 7% YoY but it has increased by 2.3% QoQ

Growth

What is Umb Financial's growth rate over time

Valuation

What is Umb Financial stock price valuation
P/E
9.64
P/B
1.3
P/S
2.59
EV/EBIT
8.27
EV/EBITDA
7.34
EV/Sales
2.72
The stock's price to earnings (P/E) is 21% more than its last 4 quarters average of 8.0 but 19% less than its 5-year quarterly average of 11.9
UMBF's EPS is down by 8% year-on-year but it is up by 2.2% since the previous quarter
The equity has increased by 11% year-on-year
UMBF's price to book (P/B) is 9% higher than its last 4 quarters average of 1.2
UMBF's price to sales (P/S) is 13% higher than its last 4 quarters average of 2.3 but 10% lower than its 5-year quarterly average of 2.9

Efficiency

How efficient is Umb Financial business performance
UMBF's return on invested capital is down by 21% year-on-year
Umb Financial's return on assets has decreased by 10% YoY
UMBF's return on sales is down by 10% year-on-year
UMBF's ROE is down by 8% YoY

Dividends

What is UMBF's dividend history
DPS
$1.52
Dividend yield
2.01%
Payout ratio
19.4%
Recent dividends

Financial health

How did Umb Financial financials performed over time
UMBF's total assets is 7% greater than its total liabilities
UMBF's total assets is up by 10% year-on-year
Umb Financial's total liabilities has increased by 10% YoY
The debt is 58% greater than the equity
The debt has surged by 65% year-on-year and by 4.9% since the previous quarter
The debt to equity has grown by 48% YoY and by 6% from the previous quarter

All financial data is based on trailing twelve months (TTM) periods - updated quarterly, unless otherwise specified.