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Financial Services - Banks - Regional - NASDAQ - US
$ 86.61
-0.305 %
$ 6.29 B
Market Cap
9.63
P/E
1. INTRINSIC VALUE

This DCF valuation model was last updated on Apr, 8, 2025.

The intrinsic value of one UMBF stock under the worst case scenario is HIDDEN Compared to the current market price of 86.6 USD, UMB Financial Corporation is HIDDEN

This DCF valuation model was last updated on Apr, 8, 2025.

The intrinsic value of one UMBF stock under the base case scenario is HIDDEN Compared to the current market price of 86.6 USD, UMB Financial Corporation is HIDDEN

This DCF valuation model was last updated on Apr, 8, 2025.

The intrinsic value of one UMBF stock under the best case scenario is HIDDEN Compared to the current market price of 86.6 USD, UMB Financial Corporation is HIDDEN

2. FUNDAMENTAL ANALYSIS

Price Chart UMBF

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$130.0$130.0$125.0$125.0$120.0$120.0$115.0$115.0$110.0$110.0$105.0$105.0$100.0$100.0$95.0$95.0$90.0$90.0$85.0$85.015 Oct15 OctNov '24Nov '2415 Nov15 NovDec '24Dec '2415 Dec15 DecJan '25Jan '2515 Jan15 JanFeb '25Feb '2515 Feb15 FebMar '25Mar '2515 Mar15 MarApr '25Apr '25
FINANCIALS
2.17 B REVENUE
52.81%
2.14 B OPERATING INCOME
0.00%
441 M NET INCOME
26.06%
93 M OPERATING CASH FLOW
-80.31%
2.29 M INVESTING CASH FLOW
100.18%
-81.6 M FINANCING CASH FLOW
-1.71%
555 M REVENUE
52.49%
546 M OPERATING INCOME
267.38%
120 M NET INCOME
9.44%
-66.9 M OPERATING CASH FLOW
-54.08%
-1.72 B INVESTING CASH FLOW
-192.11%
2.96 B FINANCING CASH FLOW
8.51%
Balance Sheet UMB Financial Corporation
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Current Assets 573 M
Cash & Short-Term Investments 573 M
Receivables 425 M
Other Current Assets -425 M
Non-Current Assets 493 M
Long-Term Investments 0
PP&E 205 M
Other Non-Current Assets 288 M
53.77 %39.91 %19.20 %27.03 %Total Assets$1.1b
Current Liabilities 0
Accounts Payable 0
Short-Term Debt 0
Other Current Liabilities 0
Non-Current Liabilities 385 M
Long-Term Debt 385 M
Other Non-Current Liabilities 0
100.00 %Total Liabilities$385.3m
EFFICIENCY
Earnings Waterfall UMB Financial Corporation
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Revenue 2.17 B
Cost Of Revenue 0
Gross Profit 2.17 B
Operating Expenses 28.4 M
Operating Income 2.14 B
Other Expenses 1.7 B
Net Income 441 M
3b3b2b2b2b2b1b1b500m500m002b02b(28m)2b(2b)441mRevenueRevenueCost Of RevenueCost Of RevenueGross ProfitGross ProfitOperating ExpensesOperating ExpensesOperating IncomeOperating IncomeOther ExpensesOther ExpensesNet IncomeNet Income
RATIOS
100.00% GROSS MARGIN
100.00%
98.69% OPERATING MARGIN
98.69%
20.32% NET MARGIN
20.32%
12.73% ROE
12.73%
0.88% ROA
0.88%
163.85% ROIC
163.85%
FREE CASH FLOW ANALYSIS
Free Cash Flow Analysis UMB Financial Corporation
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800m800m700m700m600m600m500m500m400m400m300m300m200m200m100m100m0020162016201720172018201820192019202020202021202120222022202320232024202420252025
Net Income 441 M
Depreciation & Amortization 14 K
Capital Expenditures 0
Stock-Based Compensation 22.6 M
Change in Working Capital -362 M
Others -371 M
Free Cash Flow 93 M
3. WALL STREET ANALYSTS ESTIMATES
Wall Street Analysts Price Targets UMB Financial Corporation
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Wall Street analysts predict an average 1-year price target for UMBF of $116 , with forecasts ranging from a low of $90 to a high of $156 .
UMBF Lowest Price Target Wall Street Target
90 USD 3.91%
UMBF Average Price Target Wall Street Target
116 USD 33.65%
UMBF Highest Price Target Wall Street Target
156 USD 80.12%
Price
Max Price Target
Min Price Target
Average Price Target
160160150150140140130130120120110110100100909080807070May '24May '24Jul '24Jul '24Aug '24Aug '24Oct '24Oct '24Nov '24Nov '2420252025Feb '25Feb '25Apr '25Apr '25Jun '25Jun '25Jul '25Jul '25Aug '25Aug '25Oct '25Oct '25Nov '25Nov '2520262026Feb '26Feb '26Apr '26Apr '26
4. DIVIDEND ANALYSIS
0.35% DIVIDEND YIELD
0.4 USD DIVIDEND PER SHARE
Q1
Q2
Q3
Q4
1.6001.6001.4001.4001.2001.2001.0001.0000.8000.8000.6000.6000.4000.4000.2000.2000.0000.0000.2350.2450.2550.290.30.310.320.370.380.390.40.2350.2450.2550.290.30.310.320.370.380.390.2350.2450.2550.290.30.310.370.370.380.390.2450.950.2550.990.2751.040.31.170.311.210.321.250.371.380.381.490.391.530.41.570.402015201520162016201720172018201820192019202020202021202120222022202320232024202420252025
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5. COMPETITION
slide 2 of 13
6. Ownership
Insider Ownership UMB Financial Corporation
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Sold
0-3 MONTHS
543 K USD 3
3-6 MONTHS
7.3 M USD 7
6-9 MONTHS
13.4 M USD 13
9-12 MONTHS
5.32 M USD 1
Bought
47.8 K USD 2
0-3 MONTHS
47.9 K USD 2
3-6 MONTHS
95.6 K USD 2
6-9 MONTHS
0 USD 0
9-12 MONTHS
7. News
UMB Financial Corporation Announces Dividend on Series A Preferred Stock; Nasdaq UMBFP KANSAS CITY, Mo.--(BUSINESS WIRE)--UMB Financial Corporation (Nasdaq: UMBF), a financial services company, announced today that its Board of Directors approved a dividend of $175 per share of the Company's Series A 7.00% Fixed-Rate Reset Non-Cumulative Perpetual Preferred Stock (the “UMB Preferred Stock”), which results in a dividend of $0.4375 per depositary share. The dividend is payable April 15, 2025, to holders of record of the UMB Preferred Stock as of the close of business on March 31, 2. businesswire.com - 1 month ago
UMB Financial Corporation Completes Acquisition of Heartland Financial USA, Inc. KANSAS CITY, Mo.--(BUSINESS WIRE)--UMB Financial Corporation (Nasdaq: UMBF) announced that it will close the acquisition of Heartland Financial USA, Inc. (Nasdaq: HTLF) today, effective at 11:59 p.m. As a result of this successful completion, UMB's asset size will increase to approximately $68 billion (based on assets as of Dec. 31, 2024), expanding its geographic footprint from eight to 13 states. The acquisition also increases UMB's private wealth management AUM/AUA by 32% and significantly e. businesswire.com - 2 months ago
UMB Financial Corporation (UMBF) Q4 2024 Earnings Call Transcript UMB Financial Corporation (NASDAQ:UMBF ) Q4 2024 Earnings Conference Call January 29, 2025 9:30 AM ET Company Participants Kay Gregory - Investor Relations Mariner Kemper - President & Chief Executive Officer Ram Shankar - Chief Financial Officer Jim Rine - Chief Executive Officer, UMB Bank Conference Call Participants Jared Shaw - Barclays Brian Wilczynski - Morgan Stanley David Long - Raymond James Ben Gerlinger - Citi Nathan Race - Piper Sandler Chris McGratty - KBW Jon Arfstrom - RBC Timur Braziler - Wells Fargo Operator Good morning. Thank you for attending today's UMB Financial Fourth Quarter 2024 Financial Results Conference Call. seekingalpha.com - 2 months ago
UMB Financial Q4 Earnings Beat on Higher NII & Non-Interest Income UMBF's fourth-quarter 2024 results benefit from an increase in net interest income and non-interest income. A decline in expenses is another positive. zacks.com - 2 months ago
UMB (UMBF) Reports Q4 Earnings: What Key Metrics Have to Say Although the revenue and EPS for UMB (UMBF) give a sense of how its business performed in the quarter ended December 2024, it might be worth considering how some key metrics compare with Wall Street estimates and the year-ago numbers. zacks.com - 2 months ago
UMB Financial (UMBF) Q4 Earnings and Revenues Top Estimates UMB Financial (UMBF) came out with quarterly earnings of $2.49 per share, beating the Zacks Consensus Estimate of $2.30 per share. This compares to earnings of $2.29 per share a year ago. zacks.com - 2 months ago
UMB (UMBF) Q4 Earnings on the Horizon: Analysts' Insights on Key Performance Measures Looking beyond Wall Street's top -and-bottom-line estimate forecasts for UMB (UMBF), delve into some of its key metrics to gain a deeper insight into the company's potential performance for the quarter ended December 2024. zacks.com - 2 months ago
UMB Financial (UMBF) Earnings Expected to Grow: Should You Buy? UMB (UMBF) doesn't possess the right combination of the two key ingredients for a likely earnings beat in its upcoming report. Get prepared with the key expectations. zacks.com - 2 months ago
UMB Announces Conference Call to Discuss Fourth Quarter and Full-Year 2024 Results KANSAS CITY, Mo.--(BUSINESS WIRE)--UMB Financial Corporation (Nasdaq: UMBF), a financial services company, will release earnings results for the fourth quarter 2024 after market hours on Tuesday, January 28, 2025. The company plans to host an investor conference call to discuss these results on Wednesday, January 29, at 8:30 a.m. (CT) / 9:30 a.m. (ET). Interested parties may access the call by dialing (toll-free) 833-470-1428 or (international) 404-975-4839 and requesting to join the UMB Financ. businesswire.com - 3 months ago
UMB Financial Corporation Receives Regulatory Approval to Acquire Heartland Financial USA, Inc. KANSAS CITY, Mo. & DENVER--(BUSINESS WIRE)--UMB Financial Corporation (Nasdaq: UMBF) and Heartland Financial USA, Inc. (Nasdaq: HTLF) are pleased to share that the necessary regulatory approvals from the Office of the Comptroller of the Currency and the Board of Governors of the Federal Reserve System have been received to complete the previously announced acquisition of HTLF. These approvals follow shareholder approvals for both companies. “Receiving regulatory approvals is another milestone i. businesswire.com - 3 months ago
UMB Financial Stock Rises 36.9% in 6 Months: Is it Worth a Look? UMBF rises 36.9% in six months. Let's explore the factors driving this bullish investor sentiment and assess if the stock is worth considering. zacks.com - 3 months ago
UMB Financial Rides on Strong Balance Sheet Position Amid Rising Costs UMB Financial Corporation UMBF is gaining from balance-sheet strength on the back of increasing loan and deposit balances. Also, steady capital distributions are backed by a decent liquidity position. zacks.com - 3 months ago
8. Profile Summary

UMB Financial Corporation UMBF

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COUNTRY US
INDUSTRY Banks - Regional
MARKET CAP $ 6.29 B
Dividend Yield 0.35%
Description UMB Financial Corporation operates as the bank holding company for the UMB Bank that provides various banking and other financial services. The Commercial Banking segment provides commercial loans and credit card; commercial real estate financing; letters of credit; loan syndication, and consultative service; various business solutions including asset-based lending, accounts receivable financing, mezzanine debt, and minority equity investment; and treasury management service, such as depository service, account reconciliation, cash management tool, accounts payable and receivable solution, electronic fund transfer and automated payment, controlled disbursement, lockbox service, and remote deposit capture service. The Institutional Banking segment offers asset management and healthcare service provided to institutional client; and fund administration and accounting, investor service and transfer agency, marketing and distribution, custody, alternative investment service, fixed income sale, trading and underwriting, and corporate trust and escrow service, as well as institutional custody service. This segment also provides healthcare payment solution includes custodial service for health saving accounts and private label, multipurpose debit cards to insurance carriers, third-party administrator, software companies, employers, and financial institutions. The Personal Banking segment offers deposit account, retail credit card, private banking, installment loan, home equity line of credit, residential mortgage, and small business loan, as well as internet banking, ATM network, private banking, brokerage and insurance service, and advisory and trust service. It operates through a network of branches and offices in the states of Missouri, Kansas, Colorado, Illinois, Oklahoma, Texas, Arizona, Nebraska, Iowa, Pennsylvania, South Dakota, Indiana, Utah, Minnesota, California, and Wisconsin. The company was founded in 1913 and is headquartered in Kansas City, Missouri.
Contact 1010 Grand Boulevard, Kansas City, MO, 64106 https://www.umb.com
IPO Date March 17, 1980
Employees 3698
Officers Mr. J. Mariner Kemper Chairman & Chief Executive Officer Mr. Thomas S. Terry Executive Vice President & Chief Credit Officer Mr. Ram Shankar Executive Vice President & Chief Financial Officer Ms. Amy Harris Executive Vice President & Chief Legal Officer Mr. David Carl Odgers Senior Vice President, Chief Accounting Officer & Controller Ms. Shannon Andresen Johnson Executive Vice President & Chief Administrative Officer Mr. James D. Rine President & Vice Chairman Ms. Uma Wilson Executive Vice President and Chief Information & Product Officer Ms. Kay Gregory Director of Investor Relations & Senior Vice President Ms. Elizabeth Lewis President of Consumer Banking & Chief Marketing Officer