Umb Financial Stock Fundamentals
| UMBF Stock | USD 127.60 2.60 2.08% |
UMB Financial fundamentals help investors to digest information that contributes to UMB Financial's financial success or failures. It also enables traders to predict the movement of UMB Stock. The fundamental analysis module provides a way to measure UMB Financial's intrinsic value by examining its available economic and financial indicators, including the cash flow records, the balance sheet account changes, the income statement patterns, and various microeconomic indicators and financial ratios related to UMB Financial stock.
At this time, UMB Financial's Total Operating Expenses is most likely to increase significantly in the upcoming years. The UMB Financial's current Net Income is estimated to increase to about 367.5 M, while EBIT is forecasted to increase to (137.1 M). UMB | Select Account or Indicator |
UMB Financial Company Return On Equity Analysis
UMB Financial's Return on Equity or ROE tells company stockholders how effectually their money is being utilized or reinvested. It is a useful ratio when analyzing company profitability or the management effectiveness given the capital invested by the shareholders. ROE shows how efficiently a company utilizes investments to generate income.
Current UMB Financial Return On Equity | 0.12 |
Most of UMB Financial's fundamental indicators, such as Return On Equity, are part of a valuation analysis module that helps investors searching for stocks that are currently trading at higher or lower prices than their real value. If the real value is higher than the market price, UMB Financial is considered to be undervalued, and we provide a buy recommendation. Otherwise, we render a sell signal.
UMB Return On Equity Historical Pattern
Today, most investors in UMB Financial Stock are looking for potential investment opportunities by analyzing not only static indicators but also various UMB Financial's growth ratios. Consistent increases or drops in fundamental ratios usually indicate a possible pattern that can be successfully translated into profits. However, when comparing two companies, knowing each company's return on equity growth rates may not be enough to decide which company is a better investment. That's why investors frequently use a static breakdown of UMB Financial return on equity as a starting point in their analysis.
UMB Financial Return On Equity |
| Timeline |
For most industries, Return on Equity between 10% and 30% are considered desirable to provide dividends to owners and have funds for the future growth of the company. Investors should be very careful using ROE as the only efficiency indicator because ROE can be high if a company is heavily leveraged.
| Competition |
UMB Total Stockholder Equity
Total Stockholder Equity |
|
Based on the latest financial disclosure, UMB Financial has a Return On Equity of 0.1237. This is 91.47% lower than that of the Banks sector and significantly higher than that of the Financials industry. The return on equity for all United States stocks is 139.9% lower than that of the firm.
UMB Financial Fundamental Drivers Relationships
Comparative valuation techniques use various fundamental indicators to help in determining UMB Financial's current stock value. Our valuation model uses many indicators to compare UMB Financial value to that of its competitors to determine the firm's financial worth. You can analyze the relationship between different fundamental ratios across UMB Financial competition to find correlations between indicators driving UMB Financial's intrinsic value. More Info.UMB Financial is rated below average in return on equity category among its peers. It is rated below average in return on asset category among its peers reporting about 0.07 of Return On Asset per Return On Equity. The ratio of Return On Equity to Return On Asset for UMB Financial is roughly 14.06 . At this time, UMB Financial's Return On Equity is most likely to increase slightly in the upcoming years. Comparative valuation analysis is a catch-all technique that is used if you cannot value UMB Financial by discounting back its dividends or cash flows. It compares the stock's price multiples to nearest competition to determine if the stock is relatively undervalued or overvalued.UMB Return On Equity Peer Comparison
Stock peer comparison is one of the most widely used and accepted methods of equity analyses. It analyses UMB Financial's direct or indirect competition against its Return On Equity to detect undervalued stocks with similar characteristics or determine the stocks which would be a good addition to a portfolio. Peer analysis of UMB Financial could also be used in its relative valuation, which is a method of valuing UMB Financial by comparing valuation metrics of similar companies.UMB Financial is currently under evaluation in return on equity category among its peers.
UMB Financial Current Valuation Drivers
We derive many important indicators used in calculating different scores of UMB Financial from analyzing UMB Financial's financial statements. These drivers represent accounts that assess UMB Financial's ability to generate profits relative to its revenue, operating costs, and shareholders' equity. Below are some of UMB Financial's important valuation drivers and their relationship over time.
| 2019 | 2020 | 2021 | 2022 | 2023 | 2024 (projected) | ||
| Market Cap | 3.3B | 3.3B | 5.1B | 4.0B | 4.1B | 4.3B | |
| Enterprise Value | 1.7B | 49.9M | (3.9B) | 2.7B | (171.3M) | (162.7M) |
UMB Financial ESG Sustainability
Some studies have found that companies with high sustainability scores are getting higher valuations than competitors with lower social-engagement activities. While most ESG disclosures are voluntary and do not directly affect the long term financial condition, UMB Financial's sustainability indicators can be used to identify proper investment strategies using environmental, social, and governance scores that are crucial to UMB Financial's managers, analysts, and investors.Environmental | Governance | Social |
UMB Fundamentals
| Return On Equity | 0.12 | ||||
| Return On Asset | 0.0088 | ||||
| Profit Margin | 0.26 % | ||||
| Operating Margin | 0.37 % | ||||
| Current Valuation | 8.08 B | ||||
| Shares Outstanding | 48.8 M | ||||
| Shares Owned By Insiders | 8.80 % | ||||
| Shares Owned By Institutions | 91.20 % | ||||
| Number Of Shares Shorted | 3.18 M | ||||
| Price To Earning | 10.79 X | ||||
| Price To Book | 1.73 X | ||||
| Price To Sales | 4.01 X | ||||
| Revenue | 1.33 B | ||||
| Gross Profit | 1.43 B | ||||
| EBITDA | (85.6 M) | ||||
| Net Income | 350.02 M | ||||
| Cash And Equivalents | 2.87 B | ||||
| Cash Per Share | 59.41 X | ||||
| Total Debt | 1.38 B | ||||
| Debt To Equity | 9.08 % | ||||
| Book Value Per Share | 72.45 X | ||||
| Cash Flow From Operations | 472.6 M | ||||
| Short Ratio | 8.95 X | ||||
| Earnings Per Share | 8.01 X | ||||
| Price To Earnings To Growth | 1.73 X | ||||
| Target Price | 132.89 | ||||
| Number Of Employees | 3.6 K | ||||
| Beta | 0.79 | ||||
| Market Capitalization | 6.1 B | ||||
| Total Asset | 44.01 B | ||||
| Retained Earnings | 2.81 B | ||||
| Annual Yield | 0.01 % | ||||
| Five Year Return | 1.70 % | ||||
| Net Asset | 44.01 B | ||||
| Last Dividend Paid | 1.56 |
About UMB Financial Fundamental Analysis
The Macroaxis Fundamental Analysis modules help investors analyze UMB Financial's financials across various querterly and yearly statements, indicators and fundamental ratios. We help investors to determine the real value of UMB Financial using virtually all public information available. We use both quantitative as well as qualitative analysis to arrive at the intrinsic value of UMB Financial based on its fundamental data. In general, a quantitative approach, as applied to this company, focuses on analyzing financial statements comparatively, whereas a qaualitative method uses data that is important to a company's growth but cannot be measured and presented in a numerical way.
Please read more on our fundamental analysis page.| Last Reported | Projected for Next Year | ||
| Total Revenue | 1.3 B | 1.4 B | |
| Cost Of Revenue | 173 M | 181.7 M | |
| Stock Based Compensation To Revenue | 0.01 | 0.01 | |
| Sales General And Administrative To Revenue | 0.42 | 0.39 | |
| Capex To Revenue | 0.02 | 0.02 | |
| Revenue Per Share | 27.34 | 28.70 | |
| Ebit Per Revenue | 3.89 | 4.08 |
Currently Active Assets on Macroaxis
When determining whether UMB Financial is a strong investment it is important to analyze UMB Financial's competitive position within its industry, examining market share, product or service uniqueness, and competitive advantages. Beyond financials and market position, potential investors should also consider broader economic conditions, industry trends, and any regulatory or geopolitical factors that may impact UMB Financial's future performance. For an informed investment choice regarding UMB Stock, refer to the following important reports:Check out UMB Financial Piotroski F Score and UMB Financial Altman Z Score analysis. For more detail on how to invest in UMB Stock please use our How to Invest in UMB Financial guide.You can also try the Instant Ratings module to determine any equity ratings based on digital recommendations. Macroaxis instant equity ratings are based on combination of fundamental analysis and risk-adjusted market performance.
Is Regional Banks space expected to grow? Or is there an opportunity to expand the business' product line in the future? Factors like these will boost the valuation of UMB Financial. If investors know UMB will grow in the future, the company's valuation will be higher. The financial industry is built on trying to define current growth potential and future valuation accurately. All the valuation information about UMB Financial listed above have to be considered, but the key to understanding future value is determining which factors weigh more heavily than others.
Quarterly Earnings Growth 0.126 | Dividend Share 1.56 | Earnings Share 8.01 | Revenue Per Share 31.297 | Quarterly Revenue Growth 0.107 |
The market value of UMB Financial is measured differently than its book value, which is the value of UMB that is recorded on the company's balance sheet. Investors also form their own opinion of UMB Financial's value that differs from its market value or its book value, called intrinsic value, which is UMB Financial's true underlying value. Investors use various methods to calculate intrinsic value and buy a stock when its market value falls below its intrinsic value. Because UMB Financial's market value can be influenced by many factors that don't directly affect UMB Financial's underlying business (such as a pandemic or basic market pessimism), market value can vary widely from intrinsic value.
Please note, there is a significant difference between UMB Financial's value and its price as these two are different measures arrived at by different means. Investors typically determine if UMB Financial is a good investment by looking at such factors as earnings, sales, fundamental and technical indicators, competition as well as analyst projections. However, UMB Financial's price is the amount at which it trades on the open market and represents the number that a seller and buyer find agreeable to each party.