UMBF Umb Financial Corp

Price (delayed)

$82.8

Market cap

$4.04B

P/E Ratio

10.92

Dividend/share

$1.54

EPS

$7.58

Enterprise value

$1.23B

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 12% year-on-year
The gross profit has grown by 2.8% from the previous quarter
The debt has declined by 17% year-on-year but it has increased by 2.5% since the previous quarter
The stock's price to earnings (P/E) is 13% more than its last 4 quarters average of 9.7 but 5% less than its 5-year quarterly average of 11.5

Key stats

What are the main financial stats of UMBF
Market
Shares outstanding
48.74M
Market cap
$4.04B
Enterprise value
$1.23B
Valuations
Price to book (P/B)
1.28
Price to sales (P/S)
2.76
EV/EBIT
2.78
EV/EBITDA
2.46
EV/Sales
0.85
Earnings
Revenue
$1.46B
EBIT
$443.88M
EBITDA
$501.03M
Free cash flow
$513.47M
Per share
EPS
$7.58
Free cash flow per share
$10.55
Book value per share
$64.68
Revenue per share
$30.02
TBVPS
$926.09
Balance sheet
Total assets
$45.34B
Total liabilities
$42.19B
Debt
$4.41B
Equity
$3.15B
Working capital
N/A
Liquidity
Debt to equity
1.4
Current ratio
N/A
Quick ratio
N/A
Net debt/EBITDA
-5.59
Margins
EBITDA margin
34.3%
Gross margin
100%
Net margin
25.2%
Operating margin
30.4%
Efficiency
Return on assets
0.9%
Return on equity
12.4%
Return on invested capital
1.1%
Return on capital employed
N/A
Return on sales
30.4%
Dividend
Dividend yield
1.86%
DPS
$1.54
Payout ratio
20.3%

UMBF stock price

How has the Umb Financial stock price performed over time
Intraday
0.78%
1 week
-3.88%
1 month
-2.34%
1 year
37.34%
YTD
-0.9%
QTD
-4.82%

Financial performance

How have Umb Financial's revenue and profit performed over time
Revenue
$1.46B
Gross profit
$1.46B
Operating income
$443.88M
Net income
$367.85M
Gross margin
100%
Net margin
25.2%
Umb Financial's operating margin has decreased by 16% YoY but it has increased by 2.4% QoQ
Umb Financial's operating income has decreased by 14% YoY but it has increased by 5% QoQ
The net margin has declined by 13% year-on-year but it has increased by 2.4% since the previous quarter
Umb Financial's net income has decreased by 12% YoY but it has increased by 5% QoQ

Growth

What is Umb Financial's growth rate over time

Valuation

What is Umb Financial stock price valuation
P/E
10.92
P/B
1.28
P/S
2.76
EV/EBIT
2.78
EV/EBITDA
2.46
EV/Sales
0.85
The stock's price to earnings (P/E) is 13% more than its last 4 quarters average of 9.7 but 5% less than its 5-year quarterly average of 11.5
UMBF's EPS is down by 12% year-on-year but it is up by 5% since the previous quarter
The equity has increased by 12% year-on-year
UMBF's price to book (P/B) is 7% higher than its last 4 quarters average of 1.2
UMBF's price to sales (P/S) is 10% higher than its last 4 quarters average of 2.5 but 4.8% lower than its 5-year quarterly average of 2.9
UMBF's revenue is up by 2.8% since the previous quarter

Efficiency

How efficient is Umb Financial business performance
UMBF's ROE is down by 21% YoY but it is up by 2.5% QoQ
Umb Financial's return on assets has decreased by 18% YoY but it has increased by 13% QoQ
UMBF's return on sales is down by 16% year-on-year but it is up by 2.4% since the previous quarter
UMBF's return on invested capital is down by 15% year-on-year but it is up by 10% since the previous quarter

Dividends

What is UMBF's dividend history
DPS
$1.54
Dividend yield
1.86%
Payout ratio
20.3%
Recent dividends

Financial health

How did Umb Financial financials performed over time
UMBF's total assets is 7% greater than its total liabilities
Umb Financial's total liabilities has increased by 12% YoY and by 3.1% QoQ
UMBF's total assets is up by 12% year-on-year and by 3% since the previous quarter
The debt is 40% greater than the equity
The debt to equity has contracted by 26% YoY
The debt has declined by 17% year-on-year but it has increased by 2.5% since the previous quarter

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