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Company Analysis

UMB Financial Corporation UMBF

A comprehensive view of key metrics, scores, and financial health for UMB Financial Corporation

Overview of UMB Financial Corporation

UMBF NMS
Financial Services Banks - Regional Framework: Banks & Lenders Large Cap
UMB Financial Corporation (UMBF), is a Large Cap company, in the Banks - Regional industry, last closed at $135.37, about 28.4% overvalued vs fair value, +34.4% 1Y return, ranked 567/1037 in sector.
Metrics Rev Growth 203.0% ROE 12.6% Gross Margin 54.4%
USD 135.37
2.16%
(Delayed)
• Vol 90d: 27.1%
52-Week Range
Market Cap
$10.03B
Enterprise Value
$12.87B
Overall Score
View breakdown
Overall
Growth
Excellent
Profitability
Good
Health
Weak
Efficiency
Weak
Valuation
Fair
Growth
Excellent
Profitability
Good
Health
Weak
Efficiency
Weak
Valuation
Fair
Completeness: 82%
Confidence: 90%
Updated: Mar 8
Top Beats

Quick Facts

Website https://www.umb.com
HQ Kansas City, MO
Employees 5,222
Fiscal year Dec 31

Next Events

Dividend Jul 1
Earnings Jul 28 Estimated

Fair Value Snapshot

Bear Base Bull
$54
$97
$181
Current: $135.37 -28% vs base

Engine Room Money Flow™

Large Cap

Financial Services - Where revenue goes and how value is created

Flow Steps
Interest Income
$2.2B
18.1%%
Interest Expense
$1.5B
Net Interest Income
$1.0B
8.8%%
Total Revenue
$4.4B
202.9%%
Money Flow Bridge
Flow Direction: Money moves from left to right
Components: Breakdown shows composition of each stage
Industry-Specific: Financial Services

Quality & Reliability Indicators

Return on Equity
12.7%
Good

Net Income / Equity - key bank profitability metric

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Owner's Pocket - Capital Allocation

Total Returned to Shareholders

Combined dividends, buybacks, and debt reduction

$84.9M
19.2% of Net Income

Where It Leaks

Cash Flow Health critical
Significant cash flow inefficiencies identified. Multiple high-impact leaks require attention.
2
Active Leaks
1/2
Improving
0
High Impact
1
Critical
Locked Leak
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Moat Analysis Bank Specialized

Competitive Advantage Assessment

Evaluating UMB Financial Corporation's durable competitive advantages across 6 defense dimensions

Overall Moat Strength
57
/100
Moderate
Scores based on quantitative metrics and qualitative factors

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Deposit Franchise

Moderate
64
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For informational purposes only. Not investment advice.

Trade-Off Ledger™

Where management spends the performance budget - Growth, Profitability, or Safety

Banks (Regional & Diversified) vs Industry Peers 93% Coverage
Trade-Off Triangle Visualization A ternary plot showing UMBF's balance between Growth (44.6%), Profitability (23.7%), and Safety (31.7%). Growth 45% Safety 32% Profitability 24%

Click axes to expand details. Marker shows current allocation.

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Growth

82th percentile vs peers
82
Key Signals
Asset Growth YoY 45.0% 97p NII Growth YoY 8.8% 75p Equity Growth YoY 11.8% 76p EPS Growth YoY 25.3% 73p
Strengths
  • Growth performance in top 20% of peers (percentile: 82)
  • Asset Growth YoY in top 20% of peers (45.0%, 97th percentile)
  • Financial Leverage in top 20% of peers (14.38, 89th percentile)
  • Cash & Securities to Assets in top 20% of peers (28.5%, 92th percentile)
Risks

No significant risks identified for this axis.

Profitability

43th percentile vs peers
44
Key Signals
Strengths
Risks
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Safety

58th percentile vs peers
58
Key Signals
Strengths
Safety drilldowns are available to premium members.

Two Futures

Scenario-based fair value ranges for UMB Financial Corporation.

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Unable to Compute Fair Value

This company cannot be valued using standard models.

What this means: The Scenario Theatre requires financial data (revenue, cash flow, shares outstanding) to calculate fair value estimates. This data may be unavailable for:

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  • Shell companies or holding companies
  • Companies that haven't filed recent financials
  • Foreign companies with limited data coverage
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Bear
-
- - -
- upside
-
Base
$96.86
- - -
-28.4% vs current
Snapshot base estimate
Bull
-
- - -
- upside
-
Fair Value Range Current: $-
$- $- $-
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