UMB Financial Corporation

NasdaqGS:UMBF Stock Report

Market Cap: US$5.8b

UMB Financial Past Earnings Performance

Past criteria checks 3/6

UMB Financial has been growing earnings at an average annual rate of 11.4%, while the Banks industry saw earnings growing at 6.9% annually. Revenues have been growing at an average rate of 8.2% per year. UMB Financial's return on equity is 11.1%, and it has net margins of 25.7%.

Key information

11.4%

Earnings growth rate

11.4%

EPS growth rate

Banks Industry Growth11.2%
Revenue growth rate8.2%
Return on equity11.1%
Net Margin25.7%
Next Earnings Update28 Jan 2025

Recent past performance updates

Recent updates

UMB Financial: Loan Quality And M&A Make Shares Attractive

Dec 28

UMB Financial: Good Value For The Conservative Investor

Oct 01

UMB Financial Corporation Beat Analyst Estimates: See What The Consensus Is Forecasting For This Year

Aug 04
UMB Financial Corporation Beat Analyst Estimates: See What The Consensus Is Forecasting For This Year

UMB Financial: Loan Quality Remains A Differentiator

Aug 01

UMB Financial: A Little-Known But Well-Run Bank

Feb 09

Revenue & Expenses Breakdown

How UMB Financial makes and spends money. Based on latest reported earnings, on an LTM basis.

Earnings and Revenue History

NasdaqGS:UMBF Revenue, expenses and earnings (USD Millions)
DateRevenueEarningsG+A ExpensesR&D Expenses
30 Sep 241,5243928810
30 Jun 241,4863798600
31 Mar 241,4613688510
31 Dec 231,4213508460
30 Sep 231,4123798490
30 Jun 231,4013718520
31 Mar 231,4384188260
31 Dec 221,4304328080
30 Sep 221,3894107970
30 Jun 221,3724167780
31 Mar 221,2933667720
31 Dec 211,2633537640
30 Sep 211,3604317560
30 Jun 211,3194097500
31 Mar 211,2873837560
31 Dec 201,1612877430
30 Sep 201,0241977390
30 Jun 201,0071867300
31 Mar 209901827160
31 Dec 191,0652447170
30 Sep 199932036930
30 Jun 199741986840
31 Mar 199571966690
31 Dec 189411966570
30 Sep 189792186540
30 Jun 189672096440
31 Mar 189571996420
31 Dec 179411836350
30 Sep 179171796180
30 Jun 178991706130
31 Mar 178831616030
31 Dec 168651545970
30 Sep 168651406020
30 Jun 168661236190
31 Mar 168611176240
31 Dec 15767975690
30 Sep 158441136190
30 Jun 158371275960
31 Mar 158401315850
31 Dec 148321215730
30 Sep 148461285700
30 Jun 148371275620
31 Mar 148131225530

Quality Earnings: UMBF has high quality earnings.

Growing Profit Margin: UMBF's current net profit margins (25.7%) are lower than last year (26.9%).

Free Cash Flow vs Earnings Analysis

Past Earnings Growth Analysis

Earnings Trend: UMBF's earnings have grown by 11.4% per year over the past 5 years.

Accelerating Growth: UMBF's earnings growth over the past year (3.4%) is below its 5-year average (11.4% per year).

Earnings vs Industry: UMBF earnings growth over the past year (3.4%) exceeded the Banks industry -10.6%.

Return on Equity

High ROE: UMBF's Return on Equity (11.1%) is considered low.

Return on Assets

Return on Capital Employed

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Company Analysis and Financial Data Status

DataLast Updated (UTC time)
Company Analysis2025/01/21 07:03
End of Day Share Price 2025/01/21 00:00
Earnings2024/09/30
Annual Earnings2023/12/31

Data Sources

The data used in our company analysis is from S&P Global Market Intelligence LLC. The following data is used in our analysis model to generate this report. Data is normalised which can introduce a delay from the source being available.

PackageDataTimeframeExample US Source *
Company Financials10 years
  • Income statement
  • Cash flow statement
  • Balance sheet
Analyst Consensus Estimates+3 years
  • Forecast financials
  • Analyst price targets
Market Prices30 years
  • Stock prices
  • Dividends, Splits and Actions
Ownership10 years
  • Top shareholders
  • Insider trading
Management10 years
  • Leadership team
  • Board of directors
Key Developments10 years
  • Company announcements

* example for US securities, for non-US equivalent regulatory forms and sources are used.

Unless specified all financial data is based on a yearly period but updated quarterly. This is known as Trailing Twelve Month (TTM) or Last Twelve Month (LTM) Data. Learn more here.

Analysis Model and Snowflake

Details of the analysis model used to generate this report is available on our Github page, we also have guides on how to use our reports and tutorials on Youtube.

Learn about the world class team who designed and built the Simply Wall St analysis model.

Industry and Sector Metrics

Our industry and section metrics are calculated every 6 hours by Simply Wall St, details of our process are available on .

Analyst Sources

UMB Financial Corporation is covered by 15 analysts. 8 of those analysts submitted the estimates of revenue or earnings used as inputs to our report. Analysts submissions are updated throughout the day.

AnalystInstitution
Jared ShawBarclays
Ebrahim PoonawalaBofA Global Research
Benjamin GerlingerCitigroup Inc