UMB Financial Valuation
| UMBF Stock | USD 103.59 1.23 1.20% |
At this time, the company appears to be fairly valued. UMB Financial owns a latest Real Value of $106.63 per share. The recent price of the company is $103.59. Our model measures the value of UMB Financial from inspecting the company fundamentals such as current valuation of 9.1 B, and Return On Equity of 0.13 as well as reviewing its technical indicators and probability of bankruptcy. Key fundamental drivers impacting UMB Financial's valuation include:
Fairly Valued
Today
Please note that UMB Financial's price fluctuation is very steady at this time. Calculation of the real value of UMB Financial is based on 3 months time horizon. Increasing UMB Financial's time horizon generally increases the accuracy of value calculation and significantly improves the predictive power of the methodology used.
The fair value of the UMB stock is determined by what a typical buyer is willing to pay for full or partial control of UMB Financial. Since UMB Financial is currently traded on the exchange, buyers and sellers on that exchange determine the market value of UMB Stock. However, UMB Financial's intrinsic value may or may not be the same as its current market price, in which case there is an opportunity to profit from the mispricing, assuming the market price will eventually merge with its intrinsic value. | Historical | Market 103.59 | Real 106.63 | Target 138.67 | Hype 103.01 | Naive 102.52 |
The real value of UMB Stock, also known as its intrinsic value, is the underlying worth of UMB Financial Company, which is reflected in its stock price. It is based on UMB Financial's financial performance, growth prospects, management team, or industry conditions. The intrinsic value of UMB Financial's stock can be calculated using various methods such as discounted cash flow analysis, price-to-earnings ratio, or price-to-book ratio. That value may differ from its current market price, which is determined by supply and demand factors such as investor sentiment, market trends, or news.
Estimating the potential upside or downside of UMB Financial helps investors to forecast how UMB stock's addition to their portfolios will impact the overall performance. We also use other valuation drivers to help us estimate the true value of UMB Financial more accurately as focusing exclusively on UMB Financial's fundamentals will not take into account other important factors: When choosing an evaluation method for UMB Financial, ensure it is appropriate for the firm given its current financial situation and market classification. If more than one evaluation category is relevant, we suggest using all methods to arrive at a better estimate.
UMB Financial Cash |
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UMB Valuation Trend
Comparing UMB Financial's enterprise value against its market capitalization is a good way to estimate the value of UMB Financial uage its performance over time. This information may sometimes be enough for investors to make reasonable market timing decisions.
UMB Revenue by Product
UMB Financial Total Value Analysis
UMB Financial is at this time forecasted to have valuation of 9.1 B with market capitalization of 7.44 B, debt of 385.29 M, and cash on hands of 2.87 B. Please note that valuation may be misleading and is a subject to auditing or accounting errors. We encourage investors to vigilantly validate all of the UMB Financial fundamentals before making equity appraisal based on enterprise value of the company| Takeover Price | Market Cap | Debt Obligations | Cash |
9.1 B | 7.44 B | 385.29 M | 2.87 B |
UMB Financial Investor Information
About 72.0% of the company outstanding shares are owned by institutional investors. The book value of UMB Financial was at this time reported as 71.02. The company has Price/Earnings To Growth (PEG) ratio of 1.73. UMB Financial recorded earning per share (EPS) of 8.99. The entity last dividend was issued on the 10th of March 2025. The firm had 2:1 split on the 31st of May 2006. UMB Financial may be sliding down financialy. It has an above-average probability of going through some form of financial hardship next quarter.| Current Value | Last Year | Change From Last Year | 10 Year Trend | ||||||
|---|---|---|---|---|---|---|---|---|---|
| Operating Profit Margin | 0.66 | 1.13 |
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| Total Cash From Operating Activities | 88.4 M | 93 M |
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| Operating Income | 2.2 B | 2.1 B |
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UMB Financial Asset Utilization
The concept of asset utilization usually refers to the revenue earned for every dollar of assets a company currently reports. The current return on assets of UMB implies not a very effective usage of assets in March.UMB Financial Ownership Allocation
UMB Financial secures a total of 72.66 Million outstanding shares. The majority of UMB Financial outstanding shares are owned by institutions. These other corporate entities are usually referred to as non-private investors looking to take positions in UMB Financial to benefit from reduced commissions. Therefore, outside corporations are subject to a different set of regulations than regular investors in UMB Financial. Please pay attention to any change in the institutional holdings of UMB Financial as this could imply that something significant has changed or is about to change at the company. Please note that no matter how many assets the company retains, if the real value of the company is less than the current market value, you may not be able to make money on it.UMB Financial Profitability Analysis
The company reported the previous year's revenue of 2.17 B. Net Income was 441.24 M with profit before overhead, payroll, taxes, and interest of 1.57 B.UMB Financial Past Distributions to stockholders
| 2nd of January 2025 | ||
| 1st of October 2024 | ||
| 1st of July 2024 | ||
| 10th of June 2024 | ||
| 1st of April 2024 | ||
| 2nd of January 2024 | ||
| 2nd of October 2023 | ||
| 3rd of July 2023 | ||
| 3rd of April 2023 |
Please note that valuation analysis is one of the essential comprehensive assessments in business. It evaluates UMB Financial's worth, which you can determine by considering its current assets, liabilities and future cash flows. The investors' valuation analysis is an important metric that will give you a perspective on different companies. It helps you know the worth of the potential investment in UMB Financial and how it compares across the competition.
About UMB Financial Valuation
The stock valuation mechanism determines UMB Financial's current worth on a weekly basis. Our valuation model uses a comparative analysis of UMB Financial. We calculate exposure to UMB Financial's market risk, different technical and fundamental indicators, and relevant financial multiples and ratios and then compare them to those of UMB Financial's related companies.| Last Reported | Projected for Next Year | ||
| Gross Profit | 2.2 B | 2.3 B | |
| Pretax Profit Margin | 0.25 | 0.22 | |
| Operating Profit Margin | 1.13 | 0.66 | |
| Net Profit Margin | 0.20 | 0.18 | |
| Gross Profit Margin | 0.84 | 0.74 |
UMB Financial Quarterly Retained Earnings |
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A single share of UMB Financial represents a small ownership stake in the entity. As a stockholder of UMB, your percentage of company ownership is determined by dividing the number of shares you own by the total number of shares outstanding and then multiplying that amount by 100. Owning stock in a company generally confers both corporate voting rights and income from any dividends paid to the stock owner.
UMB Financial Dividends Analysis For Valuation
At this time, UMB Financial's Dividend Payout Ratio is most likely to slightly decrease in the upcoming years. . At this time, UMB Financial's Price Earnings To Growth Ratio is most likely to slightly decrease in the upcoming years.
| Last Reported | Projected for Next Year | ||
| Dividends Paid | 108.5 M | 113.9 M | |
| Dividend Yield | 0.02 | 0.02 | |
| Dividend Payout Ratio | 0.25 | 0.32 | |
| Dividend Paid And Capex Coverage Ratio | 0.86 | 0.81 |
There are various types of dividends UMB Financial can pay to its shareholders, and the actual value of the dividend is determined on a per-share basis. It is to be paid equally to all of UMB shareholders on a specific date, known as the payable date. The cash dividend is the most common type of dividend payment - it is the payment of actual cash from UMB Financial directly to its shareholders. There are other types of dividends that companies can issue, such as stock dividends or asset dividends. When UMB pays a dividend, it has no impact on its enterprise value. It does, however, lowers the Equity Value of UMB Financial by the value of the dividends paid out.
UMB Financial Growth Indicators
Investing in growth stocks can be very risky. If the company such as UMB Financial does not do well, investors take a loss on the stock when it is time to sell. Also, because growth stocks typically do not pay dividends, the only opportunity an investor has to make money on their investment is when they eventually sell their shares.
| Common Stock Shares Outstanding | 49.1 M | |
| Quarterly Earnings Growth Y O Y | 0.677 | |
| Forward Price Earnings | 10.9649 |
UMB Financial Current Valuation Indicators
Valuation refers to the process of determining the present value of UMB Financial and all of its assets. It can be calculated using a number of techniques. As many analysts who try to value UMB we look at many different elements of the entity such as UMB's management, its prospective future earnings, the current market value of the company's assets, as well as its capital structure formation.
Valuations are an essential part of business, for companies themselves, but also for investors. For companies, such as UMB Financial, valuations can help measure their progress and success and can help them track their performance in the market compared to others. In addition, investors can use UMB Financial's valuations to help determine the worth of potential investments. They can do this by using data and information made public by a company. Regardless of who the valuation is for, it essentially describes UMB Financial's worth.Complementary Tools for UMB Stock analysis
When running UMB Financial's price analysis, check to measure UMB Financial's market volatility, profitability, liquidity, solvency, efficiency, growth potential, financial leverage, and other vital indicators. We have many different tools that can be utilized to determine how healthy UMB Financial is operating at the current time. Most of UMB Financial's value examination focuses on studying past and present price action to predict the probability of UMB Financial's future price movements. You can analyze the entity against its peers and the financial market as a whole to determine factors that move UMB Financial's price. Additionally, you may evaluate how the addition of UMB Financial to your portfolios can decrease your overall portfolio volatility.
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