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Company Analysis

UMB Financial Corporation - Dep UMBFP

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

Overview of UMB Financial Corporation

UMBFP
Financial Services Banks - Regional
UMB Financial Corporation (UMBFP), in the Banks - Regional industry.
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Previous close
Enterprise Value
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Overall Score
View breakdown
Overall
Growth
Good
Profitability
Good
Health
Weak
Efficiency
Good
Valuation
Fair
Growth
Good
Profitability
Good
Health
Weak
Efficiency
Good
Valuation
Fair
Completeness: 76%
Confidence: 68%
Updated: Mar 8
Top Beats
No strong beats yet

Quick Facts

Fiscal year Dec 31

Next Events

No upcoming events available.

Fair Value Snapshot

Insufficient data

Engine Room Money Flow™

Financial Services - Where revenue goes and how value is created

Flow Steps
Interest Income
$2.2B
18.1%%
Interest Expense
$1.2B
Net Interest Income
$1.0B
8.8%%
Total Revenue
$1.5B
10.6%%
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

Locked 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 healthy
Strong cash conversion with minimal leakage across profit-to-cash-to-value chain.
Analysis based on partial data. Some metrics unavailable for complete assessment.
0
Active Leaks
0/0
Improving
0
High Impact
0
Critical
Moat Analysis Bank Specialized

Competitive Advantage Assessment

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

Overall Moat Strength
69
/100
Moderate
Scores based on quantitative metrics and qualitative factors

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Deposit Franchise

Weak
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For informational purposes only. Not investment advice.

Trade-Off Ledger

Where management spends the performance budget

Insufficient Data for Analysis

UMBFP - UMB Financial Corporation - Dep

We have limited financial data for UMBFP. The Profitability and Safety axes don't have enough metrics for reliable analysis.

Data Coverage by Axis

Profitability
25% coverage Below threshold
Safety
40% coverage
Overall Coverage: 38.3% (Minimum 40% required)

What This Means

  • Currently at 38.3% data coverage (minimum 40% required)
  • Check back after quarterly or annual filings
  • Some metrics may not be applicable to this company's business model

What can you do?

  • View available sections like Moat Map or Engine Room for partial insights
  • Set up a watchlist alert to be notified when new data becomes available
  • Compare with peers in the same industry that have complete data

Two Futures

Scenario-based fair value ranges for UMB Financial Corporation - Dep.

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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:

  • Recently listed companies (IPOs, SPACs)
  • Shell companies or holding companies
  • Companies that haven't filed recent financials
  • Foreign companies with limited data coverage
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Fair Value Range Current: $-
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