UMB Historical Financial Ratios

UMBF Stock

USD 105.05 0.22 0.21%

UMB Financial is promptly reporting on over 108 different financial statement accounts. To analyze all of these accounts together requires a lot of time and effort. However, using these accounts to derive some meaningful and actionable indicators such as Price To Sales Ratio of 2.58, Dividend Yield of 0.0199, PTB Ratio of 1.18 or Days Sales Outstanding of 64.81 will help investors to properly organize and evaluate UMB Financial financial condition quickly.

Quick Ratio Current Ratio

Check out World Market Map to better understand how to build diversified portfolios, which includes a position in UMB Financial. Also, note that the market value of any company could be closely tied with the direction of predictive economic indicators such as signals in bureau of labor statistics.

For more detail on how to invest in UMB Stock please use our How to Invest in UMB Financial guide.

About UMB Financial Ratios Analysis

UMB FinancialFinancial ratios are relationships based on a company's financial information. They can serve as useful tools to evaluate UMB Financial investment potential. Financial ratio analysis can also be defined as the process of presenting financial ratios, which are mathematical indicators calculated by comparing key financial information appearing on UMB financial statements. Financial ratios are useful tools that help investors analyze and compare relationships between different pieces of financial information across UMB Financial history.

UMB Financial Financial Ratios Chart

At this time, UMB Financial's Book Value Per Share is most likely to increase significantly in the upcoming years. The UMB Financial's current Operating Cash Flow Per Share is estimated to increase to 3.35, while Days Sales Outstanding is projected to decrease to 64.81.

Price To Sales Ratio Dividend Yield Ptb Ratio Days Sales Outstanding

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Price To Sales Ratio

Price to Sales Ratio is figured by comparing UMB Financial stock price to its revenues. An advantage to using Price to Sales ratio is that it is based on UMB Financial sales, a figure that is much harder to manipulate than other UMB Financial multiples. Because sales tend to be more stable P/S ratio can be a good tool for screening cyclical companies fluctuating earnings patterns. A valuation ratio that compares a company's stock price to its revenues, calculated by dividing the company's market cap by its total sales or revenue over a 12-month period.

Dividend Yield

Dividend Yield is UMB Financial dividend as a percentage of UMB Financial stock price. UMB Financial dividend yield is a measure of UMB Financial stock productivity, which can be interpreted as interest rate earned on an UMB Financial investment. A financial ratio that shows how much a company pays out in dividends each year relative to its stock price, calculated as annual dividends per share divided by price per share.

Ptb Ratio

Price-to-Book ratio, a financial valuation metric used to compare a company's current market price to its book value. It provides insight into the value that market participants place on the company's equity relative to its net asset value.

Most ratios from UMB Financial's fundamentals are interrelated and interconnected. However, analyzing fundamentals ratios one by one will only give a small insight into UMB Financial current financial condition. On the other hand, looking into the entire matrix of fundamentals ratios, and analyzing their relationships over time can provide a more complete picture of the company financial strength now and in the future. Check out World Market Map to better understand how to build diversified portfolios, which includes a position in UMB Financial. Also, note that the market value of any company could be closely tied with the direction of predictive economic indicators such as signals in bureau of labor statistics.

For more detail on how to invest in UMB Stock please use our How to Invest in UMB Financial guide.At this time, UMB Financial's Book Value Per Share is most likely to increase significantly in the upcoming years. The UMB Financial's current Operating Cash Flow Per Share is estimated to increase to 3.35, while Days Sales Outstanding is projected to decrease to 64.81.

	2023	2024	2025 (projected)
Dividend Yield	0.0183	0.0197	0.0199
Price To Sales Ratio	2.85	2.53	2.58

Dividend Yield Price To Sales Ratio

UMB Financial fundamentals Correlations

	Price To Sales Ratio	Dividend Yield	Ptb Ratio	Days Sales Outstanding	Book Value Per Share	Free Cash Flow Yield	Operating Cash Flow Per Share	Capex To Depreciation	Pb Ratio	Ev To Sales	Free Cash Flow Per Share	Roic	Net Income Per Share	Capex To Revenue	Cash Per Share	Pocfratio	Interest Coverage	Payout Ratio	Capex To Operating Cash Flow	Pfcf Ratio	Income Quality	Roe	Ev To Operating Cash Flow	Pe Ratio	Return On Tangible Assets	Ev To Free Cash Flow
Price To Sales Ratio		-0.18	0.22	0.57	0.54	0.66	0.77	0.11	0.22	0.87	0.78	-0.2	0.4	0.92	0.04	-0.2	-0.11	-0.47	-0.34	-0.22	0.19	0.64	-0.12	-0.29	0.52	-0.12
Dividend Yield	-0.18		-0.69	0.26	-0.29	-0.14	-0.51	0.1	-0.69	-0.01	-0.49	0.18	-0.23	0.04	-0.46	0.16	-0.49	0.28	0.49	0.19	-0.34	0.11	0.15	-0.46	-0.01	0.14
Ptb Ratio	0.22	-0.69		-0.11	-0.06	0.02	0.18	-0.13	1.0	0.12	0.21	-0.17	-0.02	0.06	0.04	-0.06	0.42	-0.17	-0.28	-0.07	0.27	0.18	-0.06	0.53	0.21	-0.05
Days Sales Outstanding	0.57	0.26	-0.11		0.18	0.35	0.42	-0.36	-0.11	0.53	0.48	0.5	0.5	0.44	0.17	0.08	-0.55	-0.46	-0.41	0.05	-0.26	0.69	0.1	-0.59	0.33	0.08
Book Value Per Share	0.54	-0.29	-0.06	0.18		0.45	0.71	0.11	-0.06	0.22	0.71	-0.24	0.48	0.43	0.38	-0.21	-0.21	-0.66	-0.32	-0.23	0.02	0.43	-0.24	-0.42	0.34	-0.24
Free Cash Flow Yield	0.66	-0.14	0.02	0.35	0.45		0.8	0.29	0.02	0.36	0.79	-0.48	-0.07	0.69	0.53	-0.77	0.1	-0.47	-0.06	-0.8	0.67	0.44	-0.72	-0.25	0.44	-0.73
Operating Cash Flow Per Share	0.77	-0.51	0.18	0.42	0.71	0.8		0.03	0.18	0.45	0.99	-0.22	0.41	0.61	0.64	-0.47	0.02	-0.65	-0.49	-0.51	0.4	0.45	-0.44	-0.25	0.37	-0.44
Capex To Depreciation	0.11	0.1	-0.13	-0.36	0.11	0.29	0.03		-0.13	0.16	-0.05	-0.75	-0.57	0.44	-0.16	-0.55	0.18	0.26	0.73	-0.52	0.55	-0.23	-0.47	0.25	0.07	-0.44
Pb Ratio	0.22	-0.69	1.0	-0.11	-0.06	0.02	0.18	-0.13		0.12	0.21	-0.17	-0.02	0.06	0.04	-0.06	0.42	-0.17	-0.28	-0.07	0.27	0.18	-0.06	0.53	0.21	-0.05
Ev To Sales	0.87	-0.01	0.12	0.53	0.22	0.36	0.45	0.16	0.12		0.45	-0.02	0.39	0.85	-0.32	0.08	-0.23	-0.21	-0.24	0.06	-0.01	0.47	0.21	-0.23	0.42	0.23
Free Cash Flow Per Share	0.78	-0.49	0.21	0.48	0.71	0.79	0.99	-0.05	0.21	0.45		-0.15	0.45	0.6	0.63	-0.42	-0.01	-0.69	-0.55	-0.47	0.34	0.51	-0.4	-0.29	0.39	-0.4
Roic	-0.2	0.18	-0.17	0.5	-0.24	-0.48	-0.22	-0.75	-0.17	-0.02	-0.15		0.63	-0.41	-0.03	0.75	-0.46	-0.06	-0.57	0.73	-0.75	0.09	0.72	-0.34	-0.25	0.71
Net Income Per Share	0.4	-0.23	-0.02	0.5	0.48	-0.07	0.41	-0.57	-0.02	0.39	0.45	0.63		0.1	0.1	0.58	-0.46	-0.55	-0.87	0.54	-0.62	0.42	0.58	-0.54	0.14	0.57
Capex To Revenue	0.92	0.04	0.06	0.44	0.43	0.69	0.61	0.44	0.06	0.85	0.6	-0.41	0.1		-0.1	-0.35	-0.07	-0.27	0.02	-0.36	0.34	0.52	-0.25	-0.23	0.48	-0.24
Cash Per Share	0.04	-0.46	0.04	0.17	0.38	0.53	0.64	-0.16	0.04	-0.32	0.63	-0.03	0.1	-0.1		-0.54	0.17	-0.41	-0.32	-0.57	0.42	0.04	-0.59	-0.04	-0.07	-0.6
Pocfratio	-0.2	0.16	-0.06	0.08	-0.21	-0.77	-0.47	-0.55	-0.06	0.08	-0.42	0.75	0.58	-0.35	-0.54		-0.31	0.15	-0.42	1.0	-0.85	-0.05	0.98	-0.16	-0.26	0.98
Interest Coverage	-0.11	-0.49	0.42	-0.55	-0.21	0.1	0.02	0.18	0.42	-0.23	-0.01	-0.46	-0.46	-0.07	0.17	-0.31		0.43	0.15	-0.31	0.68	-0.51	-0.32	0.77	-0.42	-0.31
Payout Ratio	-0.47	0.28	-0.17	-0.46	-0.66	-0.47	-0.65	0.26	-0.17	-0.21	-0.69	-0.06	-0.55	-0.27	-0.41	0.15	0.43		0.57	0.2	0.14	-0.8	0.18	0.64	-0.74	0.2
Capex To Operating Cash Flow	-0.34	0.49	-0.28	-0.41	-0.32	-0.06	-0.49	0.73	-0.28	-0.24	-0.55	-0.57	-0.87	0.02	-0.32	-0.42	0.15	0.57		-0.36	0.34	-0.37	-0.4	0.31	-0.11	-0.39
Pfcf Ratio	-0.22	0.19	-0.07	0.05	-0.23	-0.8	-0.51	-0.52	-0.07	0.06	-0.47	0.73	0.54	-0.36	-0.57	1.0	-0.31	0.2	-0.36		-0.85	-0.08	0.98	-0.13	-0.28	0.98
Income Quality	0.19	-0.34	0.27	-0.26	0.02	0.67	0.4	0.55	0.27	-0.01	0.34	-0.75	-0.62	0.34	0.42	-0.85	0.68	0.14	0.34	-0.85		-0.2	-0.81	0.5	-0.04	-0.8
Roe	0.64	0.11	0.18	0.69	0.43	0.44	0.45	-0.23	0.18	0.47	0.51	0.09	0.42	0.52	0.04	-0.05	-0.51	-0.8	-0.37	-0.08	-0.2		-0.05	-0.68	0.82	-0.07
Ev To Operating Cash Flow	-0.12	0.15	-0.06	0.1	-0.24	-0.72	-0.44	-0.47	-0.06	0.21	-0.4	0.72	0.58	-0.25	-0.59	0.98	-0.32	0.18	-0.4	0.98	-0.81	-0.05		-0.14	-0.23	1.0
Pe Ratio	-0.29	-0.46	0.53	-0.59	-0.42	-0.25	-0.25	0.25	0.53	-0.23	-0.29	-0.34	-0.54	-0.23	-0.04	-0.16	0.77	0.64	0.31	-0.13	0.5	-0.68	-0.14		-0.52	-0.11
Return On Tangible Assets	0.52	-0.01	0.21	0.33	0.34	0.44	0.37	0.07	0.21	0.42	0.39	-0.25	0.14	0.48	-0.07	-0.26	-0.42	-0.74	-0.11	-0.28	-0.04	0.82	-0.23	-0.52		-0.24
Ev To Free Cash Flow	-0.12	0.14	-0.05	0.08	-0.24	-0.73	-0.44	-0.44	-0.05	0.23	-0.4	0.71	0.57	-0.24	-0.6	0.98	-0.31	0.2	-0.39	0.98	-0.8	-0.07	1.0	-0.11	-0.24

Click cells to compare fundamentals

UMB Financial Account Relationship Matchups

UMB Financial fundamentals Accounts

	2020	2021	2022	2023	2024	2025 (projected)
Price To Sales Ratio	2.73	4.28	18.19	2.85	2.53	2.58
Dividend Yield	0.0194	0.0178	0.0182	0.0183	0.0197	0.0199
Ptb Ratio	1.28	1.1	1.63	1.51	1.59	1.18
Days Sales Outstanding	44.22	41.91	40.01	133.51	71.52	64.81
Book Value Per Share	682.58	878.82	788.8	63.92	71.11	81.48
Free Cash Flow Yield	0.0944	0.0977	0.18	0.11	0.0169	0.0161
Operating Cash Flow Per Share	7.76	11.06	15.92	9.74	1.91	3.35
Stock Based Compensation To Revenue	0.0144	0.0124	0.0177	0.0968	0.0132	0.0104
Capex To Depreciation	1.29	0.96	0.6	0.46	0.53	0.5
Pb Ratio	1.28	1.1	1.63	1.51	1.59	1.18
Ev To Sales	0.041	(3.23)	12.34	(0.12)	2.45	2.57
Free Cash Flow Per Share	6.51	10.37	14.85	9.19	1.91	2.76
Roic	0.0241	0.022	(0.0387)	1.64	1.47	1.55
Net Income Per Share	5.95	7.31	8.93	7.22	9.05	9.5
Sales General And Administrative To Revenue	0.43	0.44	2.36	0.39	0.27	0.38
Capex To Revenue	0.0494	0.0282	0.23	0.0189	0.0218	0.0207
Cash Per Share	266.74	439.85	179.68	518.1	11.76	11.17
Pocfratio	8.89	9.59	5.25	8.57	59.13	62.09
Interest Coverage	4.39	9.33	3.36	1.83	1.65	3.28
Capex To Operating Cash Flow	0.16	0.0631	0.0672	0.0569	0.0655	0.0622
Pfcf Ratio	10.6	10.24	5.62	9.09	59.13	62.09
Income Quality	1.3	1.51	1.78	1.35	0.21	0.2
Ev To Operating Cash Flow	0.13	(7.23)	3.56	(0.36)	57.11	59.96
Pe Ratio	11.59	14.51	9.35	11.58	12.47	13.1
Return On Tangible Assets	0.008702	0.008305	0.0113	0.008009	0.0088	0.006485
Ev To Free Cash Flow	0.16	(7.72)	3.82	(0.38)	57.11	59.96
Earnings Yield	0.0863	0.0689	0.11	0.0864	0.0802	0.0745
Intangibles To Total Assets	0.006095	0.004425	0.007429	0.007016	0.005377	0.0084
Net Debt To E B I T D A	(4.68)	(8.14)	(18.43)	(2.22)	(2.55)	(2.68)
Current Ratio	1.04	1.06	1.09	2.6E-5	1.18	1.0
Tangible Book Value Per Share	678.39	874.91	782.88	57.55	65.55	78.96
Receivables Turnover	8.25	8.71	9.12	2.73	5.1	5.69
Graham Number	91.61	103.55	105.29	101.88	120.34	126.36
Shareholders Equity Per Share	62.67	65.16	55.17	63.92	71.11	74.67
Debt To Equity	0.0374	0.0894	0.0863	0.14	0.45	0.11
Capex Per Share	1.25	0.7	1.07	0.55	0.5	0.61
Graham Net Net	206.94	325.34	139.62	(317.33)	(944.68)	(897.44)
Revenue Per Share	25.31	24.78	4.59	29.29	44.54	46.76

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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:

How To Invest In UMB

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Is UMB Stock a good investment?

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What is UMB Financial's Net Worth?

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For more detail on how to invest in UMB Stock please use our How to Invest in UMB Financial guide.

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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

32.165

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.

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Price To Sales Ratio	Dividend Yield
Ptb Ratio	Days Sales Outstanding
Book Value Per Share	Free Cash Flow Yield
Invested Capital	Operating Cash Flow Per Share
Average Payables	Stock Based Compensation To Revenue
Capex To Depreciation	Pb Ratio
Ev To Sales	Free Cash Flow Per Share
Roic	Inventory Turnover
Net Income Per Share	Days Of Inventory On Hand
Payables Turnover	Sales General And Administrative To Revenue
Average Inventory	Research And Ddevelopement To Revenue
Capex To Revenue	Cash Per Share
Pocfratio	Interest Coverage
Payout Ratio	Capex To Operating Cash Flow
Pfcf Ratio	Days Payables Outstanding
Net Current Asset Value	Income Quality
Roe	Tangible Asset Value
Ev To Operating Cash Flow	Pe Ratio
Return On Tangible Assets	Ev To Free Cash Flow
Earnings Yield	Intangibles To Total Assets
Net Debt To E B I T D A	Current Ratio
Tangible Book Value Per Share	Receivables Turnover
Graham Number	Shareholders Equity Per Share
Debt To Equity	Capex Per Share
Graham Net Net	Average Receivables
Revenue Per Share	Interest Debt Per Share
Debt To Assets	Enterprise Value Over E B I T D A
Short Term Coverage Ratios	Price Earnings Ratio
Operating Cycle	Price Book Value Ratio
Price Earnings To Growth Ratio	Days Of Payables Outstanding
Dividend Payout Ratio	Price To Operating Cash Flows Ratio
Price To Free Cash Flows Ratio	Pretax Profit Margin
Ebt Per Ebit	Operating Profit Margin
Effective Tax Rate	Company Equity Multiplier
Long Term Debt To Capitalization	Total Debt To Capitalization
Return On Capital Employed	Debt Equity Ratio
Ebit Per Revenue	Quick Ratio
Dividend Paid And Capex Coverage Ratio	Net Income Per E B T
Cash Ratio	Cash Conversion Cycle
Operating Cash Flow Sales Ratio	Days Of Inventory Outstanding
Days Of Sales Outstanding	Free Cash Flow Operating Cash Flow Ratio
Cash Flow Coverage Ratios	Price To Book Ratio
Fixed Asset Turnover	Capital Expenditure Coverage Ratio
Price Cash Flow Ratio	Enterprise Value Multiple
Debt Ratio	Cash Flow To Debt Ratio
Price Sales Ratio	Return On Assets
Asset Turnover	Net Profit Margin
Gross Profit Margin	Price Fair Value
Return On Equity

UMB Historical Financial Ratios

About UMB Financial Ratios Analysis

UMB Financial Financial Ratios Chart

Price To Sales Ratio

Dividend Yield

Ptb Ratio

UMB Financial fundamentals Correlations

UMB Financial Account Relationship Matchups

High Positive Relationship

High Negative Relationship

UMB Financial fundamentals Accounts

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Pb Ratio	+ 1.0	Ptb Ratio
Pfcf Ratio	+ 1.0	Pocfratio
Ev To Free Cash Flow	+ 1.0	Ev To Operating Cash Flow
Free Cash Flow Per Share	+ 0.99	Operating Cash Flow Per Share
Ev To Operating Cash Flow	+ 0.98	Pocfratio
Ev To Free Cash Flow	+ 0.98	Pocfratio

Capex To Operating Cash Flow	- 0.87	Net Income Per Share
Income Quality	- 0.85	Pfcf Ratio
Income Quality	- 0.85	Pocfratio
Ev To Operating Cash Flow	- 0.81	Income Quality
Ev To Free Cash Flow	- 0.8	Income Quality
Roe	- 0.8	Payout Ratio