Umb Financial Stock Net Income
| UMBF Stock | USD 103.59 1.23 1.20% |
UMB Financial fundamentals help investors to digest information that contributes to UMB Financial's financial success or failures. It also enables traders to predict the movement of UMB Stock. The fundamental analysis module provides a way to measure UMB Financial's intrinsic value by examining its available economic and financial indicators, including the cash flow records, the balance sheet account changes, the income statement patterns, and various microeconomic indicators and financial ratios related to UMB Financial stock.
| Last Reported | Projected for Next Year | ||
| Net Income | 441.2 M | 463.3 M | |
| Net Income Applicable To Common Shares | 496.4 M | 521.3 M | |
| Net Income From Continuing Ops | 441.2 M | 250.4 M | |
| Net Income Per Share | 9.05 | 9.50 | |
| Net Income Per E B T | 0.82 | 0.61 |
UMB | Net Income |
UMB Financial Company Net Income Analysis
UMB Financial's Net income is the profit of a company for the reporting period, which is derived after taking revenues and gains and subtracting all expenses and losses. Net income is one of the most-watched numbers by money managers as well as individual investors.
Current UMB Financial Net Income | 441.24 M |
Most of UMB Financial's fundamental indicators, such as Net Income, are part of a valuation analysis module that helps investors searching for stocks that are currently trading at higher or lower prices than their real value. If the real value is higher than the market price, UMB Financial is considered to be undervalued, and we provide a buy recommendation. Otherwise, we render a sell signal.
UMB Net Income Driver Correlations
Understanding the fundamental principles of building solid financial models for UMB Financial is extremely important. It helps to project a fair market value of UMB Stock properly, considering its historical fundamentals such as Net Income. Since UMB Financial's main accounts across its financial reports are all linked and dependent on each other, it is essential to analyze all possible correlations between related accounts. However, instead of reviewing all of UMB Financial's historical financial statements, investors can examine the correlated drivers to determine its overall health. This can be effectively done using a conventional correlation matrix of UMB Financial's interrelated accounts and indicators.
UMB Net Income Historical Pattern
Today, most investors in UMB Financial Stock are looking for potential investment opportunities by analyzing not only static indicators but also various UMB Financial's growth ratios. Consistent increases or drops in fundamental ratios usually indicate a possible pattern that can be successfully translated into profits. However, when comparing two companies, knowing each company's net income growth rates may not be enough to decide which company is a better investment. That's why investors frequently use a static breakdown of UMB Financial net income as a starting point in their analysis.
UMB Financial Net Income |
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Because income is reported on the Income Statement of a company and is measured in dollars some investors prefer to use Profit Margin, which measures income as a percentage of sales.
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UMB Accumulated Other Comprehensive Income
Accumulated Other Comprehensive Income |
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Based on the recorded statements, UMB Financial reported net income of 441.24 M. This is 65.46% lower than that of the Banks sector and significantly higher than that of the Financials industry. The net income for all United States stocks is 22.72% higher than that of the company.
UMB Net Income Peer Comparison
Stock peer comparison is one of the most widely used and accepted methods of equity analyses. It analyses UMB Financial's direct or indirect competition against its Net Income to detect undervalued stocks with similar characteristics or determine the stocks which would be a good addition to a portfolio. Peer analysis of UMB Financial could also be used in its relative valuation, which is a method of valuing UMB Financial by comparing valuation metrics of similar companies.UMB Financial is currently under evaluation in net income category among its peers.
UMB Financial Current Valuation Drivers
We derive many important indicators used in calculating different scores of UMB Financial from analyzing UMB Financial's financial statements. These drivers represent accounts that assess UMB Financial's ability to generate profits relative to its revenue, operating costs, and shareholders' equity. Below are some of UMB Financial's important valuation drivers and their relationship over time.
| 2020 | 2021 | 2022 | 2023 | 2024 | 2025 (projected) | ||
| Market Cap | 3.3B | 5.1B | 4.0B | 4.1B | 5.5B | 5.8B | |
| Enterprise Value | 49.9M | (3.9B) | 2.7B | (171.3M) | 5.3B | 5.6B |
UMB Financial ESG Sustainability
Some studies have found that companies with high sustainability scores are getting higher valuations than competitors with lower social-engagement activities. While most ESG disclosures are voluntary and do not directly affect the long term financial condition, UMB Financial's sustainability indicators can be used to identify proper investment strategies using environmental, social, and governance scores that are crucial to UMB Financial's managers, analysts, and investors.Environmental | Governance | Social |
UMB Financial Institutional Holders
Institutional Holdings refers to the ownership stake in UMB Financial that is held by large financial organizations, pension funds or endowments. Institutions may purchase large blocks of UMB Financial's outstanding shares and can exert considerable influence upon its management. Institutional holders may also work to push the share price higher once they own the stock. Extensive social media coverage, TV shows, articles in high-profile magazines, and presentations at investor conferences help move the stock higher, increasing UMB Financial's value.| Shares | Goldman Sachs Group Inc | 2024-12-31 | 1 M | Principal Financial Group Inc | 2024-12-31 | 805.2 K | Fmr Inc | 2024-12-31 | 790.5 K | Millennium Management Llc | 2024-12-31 | 777.3 K | Gw&k Investment Management, Llc | 2024-12-31 | 650.2 K | Northern Trust Corp | 2024-12-31 | 637.1 K | Charles Schwab Investment Management Inc | 2024-12-31 | 563.8 K | Massachusetts Financial Services Company | 2024-12-31 | 463.5 K | Captrust Financial Advisors | 2024-12-31 | 461 K | Blackrock Inc | 2024-12-31 | 6.1 M | Vanguard Group Inc | 2024-12-31 | 4.8 M |
UMB Fundamentals
| Return On Equity | 0.13 | ||||
| Return On Asset | 0.0094 | ||||
| Profit Margin | 0.28 % | ||||
| Operating Margin | 0.37 % | ||||
| Current Valuation | 9.1 B | ||||
| Shares Outstanding | 72.66 M | ||||
| Shares Owned By Insiders | 5.65 % | ||||
| Shares Owned By Institutions | 71.76 % | ||||
| Number Of Shares Shorted | 2.28 M | ||||
| Price To Earning | 10.79 X | ||||
| Price To Book | 2.15 X | ||||
| Price To Sales | 4.74 X | ||||
| Revenue | 2.17 B | ||||
| Gross Profit | 1.57 B | ||||
| EBITDA | (85.6 M) | ||||
| Net Income | 441.24 M | ||||
| Cash And Equivalents | 2.87 B | ||||
| Cash Per Share | 59.41 X | ||||
| Total Debt | 385.29 M | ||||
| Debt To Equity | 9.08 % | ||||
| Book Value Per Share | 71.02 X | ||||
| Cash Flow From Operations | 93.05 M | ||||
| Short Ratio | 1.96 X | ||||
| Earnings Per Share | 8.99 X | ||||
| Price To Earnings To Growth | 1.73 X | ||||
| Target Price | 137.33 | ||||
| Number Of Employees | 3.7 K | ||||
| Beta | 0.81 | ||||
| Market Capitalization | 7.44 B | ||||
| Total Asset | 50.41 B | ||||
| Retained Earnings | 3.17 B | ||||
| Annual Yield | 0.02 % | ||||
| Five Year Return | 1.70 % | ||||
| Net Asset | 50.41 B | ||||
| Last Dividend Paid | 1.57 |
About UMB Financial Fundamental Analysis
The Macroaxis Fundamental Analysis modules help investors analyze UMB Financial's financials across various querterly and yearly statements, indicators and fundamental ratios. We help investors to determine the real value of UMB Financial using virtually all public information available. We use both quantitative as well as qualitative analysis to arrive at the intrinsic value of UMB Financial based on its fundamental data. In general, a quantitative approach, as applied to this company, focuses on analyzing financial statements comparatively, whereas a qaualitative method uses data that is important to a company's growth but cannot be measured and presented in a numerical way.
Please read more on our fundamental analysis page.
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When determining whether UMB Financial is a good investment, qualitative aspects like company management, corporate governance, and ethical practices play a significant role. A comparison with peer companies also provides context and helps to understand if UMB Stock is undervalued or overvalued. This multi-faceted approach, blending both quantitative and qualitative analysis, forms a solid foundation for making an informed investment decision about Umb Financial Stock. Highlighted below are key reports to facilitate an investment decision about Umb Financial Stock:Check out UMB Financial Piotroski F Score and UMB Financial Altman Z Score analysis. For more detail on how to invest in UMB Stock please use our How to Invest in UMB Financial guide.You can also try the Portfolio Rebalancing module to analyze risk-adjusted returns against different time horizons to find asset-allocation targets.
Is Regional Banks space expected to grow? Or is there an opportunity to expand the business' product line in the future? Factors like these will boost the valuation of UMB Financial. If investors know UMB will grow in the future, the company's valuation will be higher. The financial industry is built on trying to define current growth potential and future valuation accurately. All the valuation information about UMB Financial listed above have to be considered, but the key to understanding future value is determining which factors weigh more heavily than others.
Quarterly Earnings Growth 0.677 | Dividend Share 1.57 | Earnings Share 8.99 | Revenue Per Share | Quarterly Revenue Growth 0.12 |
The market value of UMB Financial is measured differently than its book value, which is the value of UMB that is recorded on the company's balance sheet. Investors also form their own opinion of UMB Financial's value that differs from its market value or its book value, called intrinsic value, which is UMB Financial's true underlying value. Investors use various methods to calculate intrinsic value and buy a stock when its market value falls below its intrinsic value. Because UMB Financial's market value can be influenced by many factors that don't directly affect UMB Financial's underlying business (such as a pandemic or basic market pessimism), market value can vary widely from intrinsic value.
Please note, there is a significant difference between UMB Financial's value and its price as these two are different measures arrived at by different means. Investors typically determine if UMB Financial is a good investment by looking at such factors as earnings, sales, fundamental and technical indicators, competition as well as analyst projections. However, UMB Financial's price is the amount at which it trades on the open market and represents the number that a seller and buyer find agreeable to each party.