UMB Financial Corporation(UMBF) Stock Research - Grey Stern Research

UMB Financial Corporation (UMBF) Stock Analysis

$101.85 (-1.94%)

UMBF Financial Performance


Use the table below to view UMB Financial Corporation's financial profile. This data is gathers from the latest available financial statements. Annual data is taken from the trailing 12 months of statements. All numbers are reported in US Dollars and so any foreign currencies are converted to USD so comparison's can be done.

Based on Financial Statements from Q3 - 2024

Metric Value Ranking among Peers
Price $103.86 -
52 Week Low $76.00 -
52 Week High $129.94 -
Market Cap $7.5 Billion 3/15
Gross Margin 100% 1/15
Profit Margin 22% 11/15
EBITDA margin 0% 2/15
Q3 - 2024 Revenue $555.0 Million 1/15
Q3 - 2024 Earnings $120.0 Million 4/15
Q3 - 2024 Free Cash Flow $0 Million 11/15
Trailing 4 Quarters Revenue $2.5 Billion 2/15
Trailing 4 Quarters Earnings $441.2 Million 4/15
Quarterly Earnings Growth 69% 2/15
Annual Earnings Growth 22% 2/15
Quarterly Revenue Growth -13% 11/15
Annual Revenue Growth 21% 8/15
Cash On Hand $573.2 Million 8/15
Short Term Debt $0 3/15
Long Term Debt $385.3 Million 5/15

UMB Financial Corporation Financial Metrics


Financial metrics are a set of useful numbers that can give key performance indicators of a company. The various metrics can include information about profitability, growth, and debt load. When combined and use properly they can tell an analyst a compelling fact-based story of how the company is currently performing. To compare UMB Financial Corporation's metrics versus it's peers make sure to run our peer analysis tool.

Valuation Metrics

Metric Value Ranking among Peers
PE 17.10 4/15
PS 3.05 8/15
PB 2.18 4/15
PC 13.17 4/15
Liabilities to Equity 13.54 1/15
ROA 0.01 5/15
ROE 0.13 6/15
Current Ratio 1.07 15/15
Quick Ratio 0.01 14/15
Long Term Debt to Equity 0.11 6/15
Debt to Equity 0.11 6/15
Burn Rate -5.48 5/15
Cash to Cap 0.08 11/15
CCR 11/15
EV to EBITDA -1.00 2/15
EV to Revenue -1.00 2/15

Company Details

UMB Financial Corporation operates as the bank holding company for the UMB Bank that provides various banking and other financial services. 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, accounts receivable financing, 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 asset management and healthcare service provided to institutional client; and fund administration and accounting, investor service and transfer agency, marketing and distribution, custody, alternative investment service, fixed income sale, trading and underwriting, and corporate trust and escrow service, as well as institutional custody service. This segment also provides healthcare payment solution includes custodial service for health saving accounts and private label, multipurpose debit cards to insurance carriers, third-party administrator, software companies, employers, and financial institutions. The Personal Banking segment offers deposit account, retail credit card, private banking, installment loan, home equity line of credit, residential mortgage, and small business loan, as well as internet banking, ATM network, private banking, brokerage and insurance service, and advisory and trust service. It 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. The company was founded in 1913 and is headquartered in Kansas City, Missouri.

CEO: Mr. J. Mariner Kemper

Website: https://www.umb.com

Address: 1010 Grand Blvd Kansas City, MISSOURI

Exchange: NASDAQ Global Select

Industry: Banks—Regional

UMB Financial Corporation Peer Analysis


A useful and more reliable way of seeing the health of a company is to compare it to other companies operating in the same sector. Below is our list of companies which we rank are the closest peers to UMB Financial Corporation. If you feel that peers should be added or removed from this list please contact us. To run an in-depth peer analysis which compares many financial metrics click on the link below.

Stock Ticker Market Cap
Commerce Bancshares, Inc. CBSH $8.3 Billion
Cullen/Frost Bankers, Inc. CFR $8.0 Billion
Hilltop Holdings Inc. HTH $2.0 Billion
BOK Financial Corporation BOKF $6.8 Billion
Independent Bank Group, Inc. IBTX $2.5 Billion
Sandy Spring Bancorp, Inc. SASR $1.3 Billion
Equity Bancshares, Inc. EQBK $707.0 Million
Community Bank System, Inc. CBU $3.1 Billion
First Financial Bankshares, Inc. FFIN $5.2 Billion
Westamerica Bancorporation WABC $1.4 Billion
Independent Bank Corporation IBCP $661.5 Million
BancFirst Corporation BANF $3.7 Billion
Business First Bancshares, Inc. BFST $749.7 Million
Texas Capital Bancshares, Inc. TCBIO $917.9 Million
Run Peer Analysis
Income Statement
Balance Sheet
Cash Flow Statement
UMBF Income Statements
Quarter Year Revenue Earnings
Q4 2024 $ 555.0 Million $120.0 Million
Q3 2024 $ 557.7 Million $109.6 Million
Q2 2024 $ 685.8 Million $101.3 Million
Q1 2024 $ 679.3 Million $110.3 Million
Q4 2023 $ 636.9 Million $70.9 Million
Q3 2023 $ 472.0 Million $96.6 Million
Q2 2023 $ 328.8 Million $90.1 Million
Q1 2023 $ 341.5 Million $92.4 Million

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UMBF Balance Sheets
Quarter Year Cash & Equivalents Total Assets Total Debt Total Equity
Q4 2024 $573.2 Million $50.4 Billion $385.3 Million $3.5 Billion
Q3 2024 $778.1 Million $47.5 Billion $1.4 Billion $3.5 Billion
Q2 2024 $712.2 Million $44.5 Billion $3.9 Billion $3.2 Billion
Q1 2024 $7.0 Billion $45.3 Billion $4.4 Billion $3.2 Billion
Q4 2023 $5.6 Billion $44.0 Billion $4.3 Billion $3.1 Billion
Q3 2023 $454.7 Million $41.5 Billion $2.7 Billion $2.8 Billion
Q2 2023 $3.8 Billion $41.2 Billion $2.2 Billion $2.8 Billion
Q1 2023 $3.6 Billion $40.6 Billion $3.2 Billion $2.8 Billion

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UMBF Cash Flow Statements
Quarter Year freeCashFlow capitalExpenditure netChangeInCash
Q3 2024 $131.7 Million $8.1 Million -$739.8 Million
Q2 2024 $106.7 Million -$5.7 Million -$1.9 Billion
Q1 2024 $75.4 Million -$2.4 Million $1.4 Billion
Q4 2023 $81.2 Million -$3.8 Million $1.6 Billion
Q3 2023 $226.2 Million -$6.0 Million $187.6 Million
Q2 2023 $146.0 Million -$7.7 Million $216.3 Million
Q1 2023 -$7.7 Million -$9.4 Million $2.0 Billion
Q4 2022 $127.1 Million -$17.4 Million -$452.6 Million

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