UMBF Umb Financial Corp

Price (delayed)

$86.99

Market cap

$4.24B

P/E Ratio

12.05

Dividend/share

$1.54

EPS

$7.22

Enterprise value

$2.69B

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 16% year-on-year and by 10% since the previous quarter
The debt has surged by 65% year-on-year but it has declined by 3.1% since the previous quarter
The stock's price to earnings (P/E) is 42% more than its last 4 quarters average of 8.5 and 2.1% more than its 5-year quarterly average of 11.8
UMBF's EPS is down by 19% year-on-year and by 8% since the previous quarter

Key stats

What are the main financial stats of UMBF
Market
Shares outstanding
48.74M
Market cap
$4.24B
Enterprise value
$2.69B
Valuations
Price to book (P/B)
1.36
Price to sales (P/S)
2.97
EV/EBIT
6.38
EV/EBITDA
5.6
EV/Sales
1.89
Earnings
Revenue
$1.42B
EBIT
$421.6M
EBITDA
$480.33M
Free cash flow
$449.5M
Per share
EPS
$7.22
Free cash flow per share
$9.27
Book value per share
$63.89
Revenue per share
$29.29
TBVPS
$901.65
Balance sheet
Total assets
$44.01B
Total liabilities
$40.91B
Debt
$4.3B
Equity
$3.1B
Working capital
N/A
Liquidity
Debt to equity
1.39
Current ratio
N/A
Quick ratio
N/A
Net debt/EBITDA
-3.23
Margins
EBITDA margin
33.8%
Gross margin
100%
Net margin
24.6%
Operating margin
29.7%
Efficiency
Return on assets
0.8%
Return on equity
12.1%
Return on invested capital
1%
Return on capital employed
N/A
Return on sales
29.7%
Dividend
Dividend yield
1.77%
DPS
$1.54
Payout ratio
21.3%

UMBF stock price

How has the Umb Financial stock price performed over time
Intraday
1.61%
1 week
4.9%
1 month
9.2%
1 year
47.74%
YTD
4.12%
QTD
4.12%

Financial performance

How have Umb Financial's revenue and profit performed over time
Revenue
$1.42B
Gross profit
$1.42B
Operating income
$421.6M
Net income
$350.02M
Gross margin
100%
Net margin
24.6%
Umb Financial's operating income has decreased by 21% YoY and by 9% QoQ
Umb Financial's operating margin has decreased by 20% YoY and by 10% QoQ
The net margin has declined by 19% year-on-year and by 9% since the previous quarter
Umb Financial's net income has decreased by 19% YoY and by 8% QoQ

Growth

What is Umb Financial's growth rate over time

Valuation

What is Umb Financial stock price valuation
P/E
12.05
P/B
1.36
P/S
2.97
EV/EBIT
6.38
EV/EBITDA
5.6
EV/Sales
1.89
The stock's price to earnings (P/E) is 42% more than its last 4 quarters average of 8.5 and 2.1% more than its 5-year quarterly average of 11.8
UMBF's EPS is down by 19% year-on-year and by 8% since the previous quarter
UMBF's price to book (P/B) is 24% higher than its last 4 quarters average of 1.1 and 4.6% higher than its 5-year quarterly average of 1.3
The equity has increased by 16% year-on-year and by 10% since the previous quarter
UMBF's price to sales (P/S) is 29% higher than its last 4 quarters average of 2.3 and 2.4% higher 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 29% year-on-year and by 9% since the previous quarter
Umb Financial's return on assets has decreased by 27% YoY and by 11% QoQ
UMBF's ROE is down by 26% YoY and by 11% QoQ
UMBF's return on sales is down by 20% year-on-year and by 10% since the previous quarter

Dividends

What is UMBF's dividend history
DPS
$1.54
Dividend yield
1.77%
Payout ratio
21.3%
Recent dividends

Financial health

How did Umb Financial financials performed over time
UMBF's total assets is 8% greater than its total liabilities
UMBF's total assets is up by 14% year-on-year and by 6% since the previous quarter
Umb Financial's total liabilities has increased by 14% YoY and by 6% QoQ
The debt is 39% greater than the equity
The debt has surged by 65% year-on-year but it has declined by 3.1% since the previous quarter
The debt to equity has grown by 42% YoY but it has contracted by 12% from the previous quarter

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