UMB Financial Corporation operates as the bank holding company for the UMB Bank that provides various banking and other financial services.
Flawless balance sheet established dividend payer.
Share Price & News
How has UMB Financial's share price performed over time and what events caused price changes?
Latest Share Price and Events
Stable Share Price: UMB's share price has been volatile over the past 3 months.
7 Day Return
1 Year Return
Return vs Industry: UMB underperformed the German Banks industry which returned -14.9% over the past year.
Return vs Market: UMB underperformed the German Market which returned 3% over the past year.
Price Volatility Vs. Market
How volatile is UMB Financial's share price compared to the market and industry in the last 5 years?
Simply Wall St News
No news available
Is UMB Financial undervalued compared to its fair value and its price relative to the market?
Undervalued compared to fair value
Share Price vs. Fair Value
Below Fair Value: UMB (€40.2) is trading below our estimate of fair value (€48.51)
Significantly Below Fair Value: UMB is trading below fair value, but not by a significant amount.
Price To Earnings Ratio
PE vs Industry: UMB is good value based on its PE Ratio (12.3x) compared to the DE Banks industry average (20x).
PE vs Market: UMB is good value based on its PE Ratio (12.3x) compared to the German market (21x).
Price to Earnings Growth Ratio
PEG Ratio: UMB is good value based on its PEG Ratio (0.7x)
Price to Book Ratio
PB vs Industry: UMB's PB Ratio (0.8x) is in line with the DE Banks industry average.
How is UMB Financial forecast to perform in the next 1 to 3 years based on estimates from 6 analysts?
Forecasted annual earnings growth
Earnings and Revenue Growth Forecasts
Analyst Future Growth Forecasts
Earnings vs Savings Rate: UMB's forecast earnings growth (17.4% per year) is above the savings rate (0.2%).
Earnings vs Market: UMB's earnings (17.4% per year) are forecast to grow slower than the German market (22.4% per year).
High Growth Earnings: UMB's earnings are forecast to grow, but not significantly.
Revenue vs Market: UMB's revenue (3.3% per year) is forecast to grow slower than the German market (6% per year).
High Growth Revenue: UMB's revenue (3.3% per year) is forecast to grow slower than 20% per year.
Earnings per Share Growth Forecasts
Future Return on Equity
Future ROE: UMB's Return on Equity is forecast to be low in 3 years time (6.5%).
How has UMB Financial performed over the past 5 years?
Historical annual earnings growth
Earnings and Revenue History
Quality Earnings: UMB has high quality earnings.
Growing Profit Margin: UMB's current net profit margins (18.4%) are lower than last year (20.5%).
Past Earnings Growth Analysis
Earnings Trend: UMB's earnings have grown by 13.6% per year over the past 5 years.
Accelerating Growth: UMB's has had negative earnings growth over the past year, so it can't be compared to its 5-year average.
Earnings vs Industry: UMB had negative earnings growth (-7.2%) over the past year, making it difficult to compare to the Banks industry average (4%).
Return on Equity
High ROE: UMB's Return on Equity (6.8%) is considered low.
How is UMB Financial's financial position? (This company is analysed differently as a bank or financial institution)
Financial Position Analysis
Debt to Equity History and Analysis
Financial Institutions Analysis
Asset Level: UMB's Assets to Equity ratio (9.9x) is low.
Allowance for Bad Loans: UMB has a sufficient allowance for bad loans (194%).
Low Risk Liabilities: 90% of UMB's liabilities are made up of primarily low risk sources of funding.
Loan Level: UMB has an appropriate level of Loans to Assets ratio (52%).
Low Risk Deposits: UMB's Loans to Deposits ratio (65%) is appropriate.
Level of Bad Loans: UMB has an appropriate level of bad loans (0.7%).
What is UMB Financial current dividend yield, its reliability and sustainability?
Current Dividend Yield
Dividend Yield vs Market
Notable Dividend: UMB's dividend (2.7%) is higher than the bottom 25% of dividend payers in the German market (1.25%).
High Dividend: UMB's dividend (2.7%) is low compared to the top 25% of dividend payers in the German market (3.85%).
Stability and Growth of Payments
Stable Dividend: UMB's dividends per share have been stable in the past 10 years.
Growing Dividend: UMB's dividend payments have increased over the past 10 years.
Current Payout to Shareholders
Dividend Coverage: With its reasonably low payout ratio (32.6%), UMB's dividend payments are well covered by earnings.
Future Payout to Shareholders
Future Dividend Coverage: UMB's dividends in 3 years are forecast to be well covered by earnings (33.9% payout ratio).
How experienced are the management team and are they aligned to shareholders interests?
Average management tenure
J. Kemper (47yo)
Mr. J. Mariner Kemper has been the Chairman and Chief Executive Officer of UMB Financial Corporation since May 12, 2004 and has been its President since November 2, 2015. Mr. Kemper serves as Chairman and ...
CEO Compensation Analysis
Compensation vs Market: J.'s total compensation ($USD4.10M) is above average for companies of similar size in the German market ($USD1.48M).
Compensation vs Earnings: J.'s compensation has been consistent with company performance over the past year.
|Executive VP & CFO||3.92yrs||US$847.63k||0.011% $197.2k|
|Executive VP & Chief Credit Officer||no data||US$746.87k||0.065% $1.2m|
|President & CEO of UMB Bank||1.75yrs||US$1.53m||0.029% $539.7k|
|Senior VP||0.50yr||no data||0.0056% $105.4k|
|Executive VP & Chief Administrative Officer||0.75yr||no data||0.018% $333.9k|
|Director of Investor Relations & Senior VP||no data||no data||no data|
|Executive VP||4.08yrs||no data||0.010% $194.9k|
|Executive Vice President of Sales||no data||no data||no data|
|Chief HR Officer & Executive VP||0.75yr||no data||0.0023% $42.8k|
Experienced Management: UMB's management team is not considered experienced ( 1.8 years average tenure), which suggests a new team.
|Chairman||no data||US$1.47m||no data|
|Independent Director||22.5yrs||US$107.98k||0.020% $374.3k|
|Independent Director||20.5yrs||US$132.98k||0.016% $297.7k|
|Independent Director||20.5yrs||US$112.98k||0.033% $623.2k|
|Independent Director||12.75yrs||US$118.98k||0.036% $676.1k|
|Independent Director||5.5yrs||US$134.98k||0.0077% $144.1k|
|Independent Lead Director||3.25yrs||US$147.98k||0.053% $994.1k|
|Independent Director||3.25yrs||US$132.98k||0.0045% $83.9k|
Experienced Board: UMB's board of directors are seasoned and experienced ( 16.2 years average tenure).
Who are the major shareholders and have insiders been buying or selling?
Insider Trading Volume
Insider Buying: UMB insiders have bought more shares than they have sold in the past 3 months.
Recent Insider Transactions
Dilution of Shares: Shareholders have not been meaningfully diluted in the past year.
UMB Financial Corporation's company bio, employee growth, exchange listings and data sources
- Name: UMB Financial Corporation
- Ticker: UMB
- Exchange: DB
- Founded: 1913
- Industry: Regional Banks
- Sector: Banks
- Market Cap: US$2.122b
- Listing Market Cap: US$1.876b
- Shares outstanding: 48.14m
- Website: https://www.umb.com
Number of Employees
- UMB Financial Corporation
- 1010 Grand Boulevard
- Kansas City
- United States
|Ticker||Exchange||Primary Security||Security Type||Country||Currency||Listed on|
|UMBF||NasdaqGS (Nasdaq Global Select)||Yes||Common Stock||US||USD||Jan 1980|
|UMB||DB (Deutsche Boerse AG)||Yes||Common Stock||DE||EUR||Jan 1980|
UMB Financial Corporation operates as the bank holding company for the UMB Bank that provides various banking and other financial services. The company operates through four segments: Commercial Banking, Institutional Banking, Personal Banking, and Healthcare Services. The Commercial Banking segment provides commercial loans and credit cards, letters of credit; loan syndication, consultative services, and various financial options; capital markets services, including asset-based financing, asset securitization, equity and mezzanine financing, factoring, and private and public placement of senior debt, as well as merger and acquisition consulting; and depository, account reconciliation, electronic fund transfer, controlled disbursements, lockbox, and remote deposit capture services. The Institutional Banking segment offers bond trading transactions, cash letter collections, investment portfolio accounting and safekeeping, asset/liability management reporting, and federal funds transactions; and fund administration and accounting, investor services and transfer agency, marketing and distribution, custody, and alternative investment services. The Personal Banking segment provides deposit accounts, retail credit cards, installment loans, home equity lines of credit, residential mortgages, and small business loans, as well as call center, internet banking and ATM network, private banking, brokerage, insurance, investment advisory, trust, and custody services. The Healthcare Services segment offers healthcare payment solutions comprising custodial services for health savings accounts, as well as private label and multipurpose debit cards. The company 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. UMB Financial Corporation was founded in 1913 and is headquartered in Kansas City, Missouri.
Company Analysis and Financial Data Status
|Data||Last Updated (UTC time)|
|Company Analysis||2020/07/10 21:27|
|End of Day Share Price||2020/07/10 00:00|
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.