UMBF Umb Financial Corp

Price (delayed)

$86.57

Market cap

$4.19B

P/E Ratio

11.42

Dividend/share

$1.48

EPS

$7.58

Enterprise value

-$730.61M

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 stock's price to earnings (P/E) is 19% less than its 5-year quarterly average of 14.2 and 6% less than its last 4 quarters average of 12.3
UMBF's revenue is up by 2.4% since the previous quarter
The debt has declined by 11% since the previous quarter but it has increased by 2.7% year-on-year
UMBF's EPS is down by 4.8% year-on-year but it is up by 3.7% since the previous quarter
The equity has declined by 13% since the previous quarter and by 7% year-on-year

Key stats

What are the main financial stats of UMBF
Market
Shares outstanding
48.4M
Market cap
$4.19B
Enterprise value
-$730.61M
Valuations
Price to earnings (P/E)
11.42
Price to book (P/B)
1.53
Price to sales (P/S)
3.24
EV/EBIT
-1.64
EV/EBITDA
-1.46
EV/Sales
-0.57
Earnings
Revenue
$1.29B
EBIT
$445.25M
EBITDA
$500.11M
Free cash flow
$584.62M
Per share
EPS
$7.58
Free cash flow per share
$12.08
Book value per share
$56.72
Revenue per share
$26.71
TBVPS
$834.75
Balance sheet
Total assets
$40.61B
Total liabilities
$37.86B
Debt
$3.11B
Equity
$2.75B
Working capital
N/A
Liquidity
Debt to equity
1.13
Current ratio
N/A
Quick ratio
N/A
Net debt/EBITDA
-9.84
Margins
EBITDA margin
38.7%
Gross margin
100%
Net margin
28.3%
Operating margin
34.4%
Efficiency
Return on assets
0.9%
Return on equity
12.1%
Return on invested capital
1.3%
Return on capital employed
N/A
Return on sales
34.4%
Dividend
Dividend yield
1.71%
DPS
$1.48
Payout ratio
19.5%

UMBF stock price

How has the Umb Financial stock price performed over time
Intraday
-1.05%
1 week
0.67%
1 month
-6.32%
1 year
-6.81%
YTD
-18.41%
QTD
-10.9%

Financial performance

How have Umb Financial's revenue and profit performed over time
Revenue
$1.29B
Gross profit
$1.29B
Operating income
$445.25M
Net income
$366.34M
Gross margin
100%
Net margin
28.3%
The net margin has declined by 4.7% year-on-year
Umb Financial's net income has decreased by 4.2% YoY but it has increased by 3.8% QoQ
Umb Financial's operating income has increased by 3.8% QoQ
UMBF's revenue is up by 2.4% since the previous quarter

Growth

What is Umb Financial's growth rate over time

Valuation

What is Umb Financial stock price valuation
P/E
11.42
P/B
1.53
P/S
3.24
EV/EBIT
-1.64
EV/EBITDA
-1.46
EV/Sales
-0.57
The stock's price to earnings (P/E) is 19% less than its 5-year quarterly average of 14.2 and 6% less than its last 4 quarters average of 12.3
UMBF's EPS is down by 4.8% year-on-year but it is up by 3.7% since the previous quarter
The equity has declined by 13% since the previous quarter and by 7% year-on-year
UMBF's price to book (P/B) is 10% higher than its 5-year quarterly average of 1.4 but 3.8% lower than its last 4 quarters average of 1.6
UMBF's price to sales (P/S) is 9% lower than its last 4 quarters average of 3.6 and 3.5% lower than its 5-year quarterly average of 3.4
UMBF's revenue is up by 2.4% since the previous quarter

Efficiency

How efficient is Umb Financial business performance
Umb Financial's return on assets has decreased by 25% YoY
UMBF's return on invested capital is down by 13% year-on-year
UMBF's ROE is down by 8% YoY but it is up by 5% QoQ
UMBF's return on sales is down by 2.3% year-on-year

Dividends

What is UMBF's dividend history
DPS
$1.48
Dividend yield
1.71%
Payout ratio
19.5%
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 19% YoY but it has decreased by 4.3% QoQ
UMBF's total assets is up by 17% year-on-year but it is down by 4.9% since the previous quarter
The debt is 13% greater than the equity
The equity has declined by 13% since the previous quarter and by 7% year-on-year
The debt to equity has grown by 11% YoY

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