How does UMBF.P's PE Ratio compare to its peers?

UMBF.P is expensive based on its Price-To-Earnings Ratio (18.8x) compared to the peer average (15.6x).

How does UMBF.P's PE Ratio compare vs other companies in the US Banks Industry?

UMBF.P is expensive based on its Price-To-Earnings Ratio (18.8x) compared to the US Banks industry average (12.2x).

What is UMBF.P's PE Ratio compared to its Fair PE Ratio? This is the expected PE Ratio taking into account the company's forecast earnings growth, profit margins and other risk factors.

Insufficient data to calculate UMBF.P's Price-To-Earnings Fair Ratio for valuation analysis.

What is the Fair Price of UMBF.P when looking at its future cash flows? For this estimate we use a Discounted Cash Flow model.

UMBF.P ($25.38) is trading below our estimate of [[fair value]] ($57.87)

What is the analyst 12-month forecast and do we have any statistical confidence in the consensus price target?

Insufficient data to show price forecast.

UMB Financial (Nasdaq:UMBF.P) - Stock Price, News & Analysis

UMBF.P Stock Overview

Operates as the bank holding company that provides banking services and asset servicing in the United States and internationally. More details

UMBF.P fundamental analysis
Snowflake Score
Valuation	2/6
Future Growth	5/6
Past Performance	5/6
Financial Health	6/6
Dividends	4/6

Rewards

Trading at 56.1% below our estimate of its fair value

Earnings are forecast to grow 33.62% per year

Earnings grew by 26.1% over the past year

Risk Analysis

Shareholders have been substantially diluted in the past year

Shares are highly illiquid

My Notes

Capture your thoughts, links and company narrative

UMB Financial Corporation Competitors

Commerce Bancshares

NasdaqGS:CBSH

US$9.2b

Pinnacle Financial Partners

NasdaqGS:PNFP

US$9.7b

Wintrust Financial

NasdaqGS:WTFC

US$8.7b

Zions Bancorporation National Association

NasdaqGS:ZION

US$8.6b

Price History & Performance

Summary of share price highs, lows and changes for UMB Financial
Historical stock prices
Current Share Price	US$25.38
52 Week High	US$25.39
52 Week Low	US$25.14
Beta	0.83
1 Month Change	n/a
3 Month Change	n/a
1 Year Change	n/a
3 Year Change	n/a
5 Year Change	n/a
Change since IPO	0.40%

Recent News & Updates

No updates

Recent updates

No updates

Shareholder Returns

	UMBF.P	US Banks	US Market
7D	n/a	1.8%	-0.3%
1Y	n/a	44.7%	20.4%

Return vs Industry: Insufficient data to determine how UMBF.P performed against the US Banks industry.

Return vs Market: Insufficient data to determine how UMBF.P performed against the US Market.

Price Volatility

Is UMBF.P's price volatile compared to industry and market?
UMBF.P volatility
UMBF.P Average Weekly Movement	n/a
Banks Industry Average Movement	3.8%
Market Average Movement	6.0%
10% most volatile stocks in US Market	18.5%
10% least volatile stocks in US Market	3.0%

Stable Share Price: UMBF.P's share price has been volatile over the past 3 months compared to the US market.

Volatility Over Time: Insufficient data to determine UMBF.P's volatility change over the past year.

About the Company

Founded	Employees	CEO	Website
1913	3,599	J. Kemper	www.umb.com

UMB Financial Corporation operates as the bank holding company that provides banking services and asset servicing in the United States and internationally. The Commercial Banking segment provides commercial loans and credit card; commercial real estate financing; letters of credit; loan syndication, and consultative service; various business solutions including asset-based lending, mezzanine debt, and minority equity investment; and treasury management service, such as depository service, account reconciliation, cash management tool, accounts payable and receivable solution, electronic fund transfer and automated payment, controlled disbursement, lockbox service, and remote deposit capture service. The Institutional Banking segment offers fund, asset management, and healthcare service to institutional clients; and fund administration and accounting, investor service and transfer agency, mutual fund service, alternative investment service, fixed income sale, trading and underwriting, and corporate trust and escrow service, as well as institutional custody service.

UMB Financial Corporation Fundamentals Summary

How do UMB Financial's earnings and revenue compare to its market cap?
UMBF.P fundamental statistics
Market cap	US$8.47b
Earnings (TTM)	US$441.24m
Revenue (TTM)	US$1.57b

18.8x

P/E Ratio

2.4x

P/B Ratio

Is UMBF.P overvalued?

See Fair Value and valuation analysis

Earnings & Revenue

Key profitability statistics from the latest earnings report (TTM)
UMBF.P income statement (TTM)
Revenue	US$1.57b
Cost of Revenue	US$0
Gross Profit	US$1.57b
Other Expenses	US$1.13b
Earnings	US$441.24m

Last Reported Earnings

Dec 31, 2024

Next Earnings Date

n/a

Earnings per share (EPS)	6.06
Gross Margin	100.00%
Net Profit Margin	28.14%
Debt/Equity Ratio	86.4%

How did UMBF.P perform over the long term?

See historical performance and comparison

Dividends

1.4%

Current Dividend Yield

17%

Payout Ratio

Company Analysis and Financial Data Status

Data	Last Updated (UTC time)
Company Analysis	2025/02/07 21:54
End of Day Share Price	2025/02/07 00:00
Earnings	2024/12/31
Annual Earnings	2024/12/31

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.

Package	Data	Timeframe	Example US Source ^*
Company Financials	10 years	Income statement Cash flow statement Balance sheet	SEC Form 10-K SEC Form 10-Q
Analyst Consensus Estimates	+3 years	Forecast financials Analyst price targets	Analyst Research Reports Blue Matrix
Market Prices	30 years	Stock prices Dividends, Splits and Actions	ICE Market Data SEC Form S-1
Ownership	10 years	Top shareholders Insider trading	SEC Form 4 SEC Form 13D
Management	10 years	Leadership team Board of directors	SEC Form 10-K SEC Form DEF 14A
Key Developments	10 years	Company announcements	SEC Form 8-K

^* 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.

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 Github.

Analyst Sources

UMB Financial Corporation is covered by 14 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.

Analyst	Institution
Jared Shaw	Barclays
Ebrahim Poonawala	BofA Global Research
Benjamin Gerlinger	Citigroup Inc