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UMB Financial Corporation (UMBF)

Fair bewertet
Financial ServicesBanks - RegionalUnited States

Fundamental

73

Kurs

$130.01

Marktkapitalisierung

$9.87B

Teil 1 · Was das Unternehmen wert ist

Übersicht

UMB Financial Corporation operates as a bank holding company that provides banking services and asset servicing in the United States and internationally. The company operates through three segments: Commercial Banking, Institutional Banking, and Personal Banking. The Commercial Banking segment provides commercial loans and credit cards; commercial real estate financing; letters of credit; loan syndication, and consultative services; 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 banking, fund, asset management, and healthcare services to institutional clients; fund administration and accounting, investor services and transfer agency, alternative investment services, fixed income sales, trading and underwriting, and corporate trust and escrow services, as well as institutional custody services. This segment also provides healthcare payment solutions, including custodial service for health saving accounts and private label, multipurpose debit cards to insurance carriers, third-party administrators, 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, as well as internet banking, ATM network, private banking, brokerage and insurance service, and investment advisory, trust, and custody services. It operates through a network of branches and offices. The company was founded in 1913 and is headquartered in Kansas City, Missouri.

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Bilanz & Liquidität

Umsatz

$2.92B

Letzte 12 Monate (bis 30.6.2026)

Nettogewinn

$943M

Letzte 12 Monate (bis 30.6.2026)

Freier Cashflow

$978M

Gesamtes Eigenkapital

$7.69B

Gesamtverbindlichkeiten

$65.40B

Current Ratio

-

Zinsdeckungsgrad

0.58

Schulden/EBITDA

-

Gewinn je Aktie

Umsatz & Nettogewinn

Freier Cashflow

Ertragsaufschlüsselung

Historische Aufstellung

Margen im Zeitverlauf

Verschuldung im Zeitverlauf

Wachstumsraster

Wachstum — Umsatz

Innerer-Wert-Schätzung

BankFair bewertet

Innerer Wert

$133.97

Aktueller Kurs

$130.01

Sicherheitsmarge

+3.0%

Innerer-Wert-Spanne

$89.86 - $178.08

Streubreite zwischen den verwendeten Bewertungsmethoden, kein statistisch kalibriertes Konfidenzintervall.

Bewertungsmethoden

Kursziel der Analysten:$167.81
Diskontierter Cashflow (DCF):Nicht anwendbar für diesen Unternehmenstyp
Gewinnmultiplikator (P/E):$116.11
Graham-Wachstumsformel:Nicht anwendbar für diesen Unternehmenstyp
Ertragskraftwert (EPV):Nicht anwendbar für diesen Unternehmenstyp
Gerechtfertigtes P/B:$157.21
Dividendendiskontierung (Gordon):$42.95
P/FFO, Funds from Operations:Nicht anwendbar für diesen Unternehmenstyp
Gewinn im Zyklusmittel:Nicht anwendbar für diesen Unternehmenstyp
Umsatzmultiplikator:Nicht anwendbar für diesen Unternehmenstyp
Analystenkonsens:Starker Kauf (18B / 3H / 0S)
Letzte Gewinnüberraschung:+11.63%

Bewertungskennzahlen

P/E-Verhältnis

10.68

ROE

9.1%

P/B-Verhältnis

1.23

P/FCF

9.49

Bruttomarge

-

ROIC

-

Rentabilitäts-Radar

Wertschöpfung (Wettbewerbsvorteil)

ROIC

-

WACC

9.5%

ROIC − WACC

-

Fundamentalanalyse-Kriterien

Bestanden (18)

  • EPS shows upward trend
  • EPS CAGR 8.34%
  • Price CAGR 5.67%
  • P/FCF 9.49
  • P/B Ratio 1.23
  • Operating Margin 40.8%
  • Positive Free Cash Flow
  • CapEx intensity
  • Low reliance on intangibles
  • Price below Graham Number
  • ROE 12.2%
  • Revenue Growth 5Y 13.0%
  • Analyst Consensus 86% Buy
  • Earnings Surprise avg 7.1%
  • PEG Ratio 1.06
  • Earnings Quality (OCF/NI) 1.16
  • Net Margin Trend 32.3% vs 25.2%
  • Piotroski F-Score 6/9

Nicht bestanden (5)

  • Debt/Equity ratio
  • Interest Coverage
  • Return on Tangible Assets
  • DCF valuation (Overvalued)
  • Share Dilution 54.0%

Nicht verfügbar (5)

  • ROIC NaN%
  • Gross Margin NaN%
  • Dividend Payout NaN%
  • Current Ratio
  • Debt/EBITDA

Piotroski F-Score

6/9

Gemischte Signale: Einige Bereiche bedürfen Aufmerksamkeit

score
criteria

Gewinnqualität

1.16

Hohe Qualität: Gewinne durch Cashflow gedeckt

Aktienverwässerung

54.0%

Neue Aktien werden ausgegeben, Eigentum wird verwässert

Institutionelle Beteiligungen

Unternehmensführung

Führungsteam

NamePositionAlter
Mr. J. Mariner KemperChairman & CEO52
Mr. James D. RinePresident & Vice Chairman54
Mr. Ram ShankarExecutive VP & CFO52
Ms. Uma Wilson AAP, CTPExecutive VP and Chief Information, Bank Product & Operations Officer46
Ms. Shannon Andresen Johnson P.H.R.Executive VP, Chief Administrative Officer & Chief Risk Officer45
Mr. James A. SangsterExecutive Vice President70
Mr. Brian Nelson KaufmanManaging Director of Prairie Capital Management-
Mr. Thomas S. TerryExecutive VP & Chief Credit Officer61
Mr. Nikki Farentino NewtonPresident of Private Wealth Management - UMB Bank, National Association53
Mr. John R. RussPresident of Commercial Services-

Prüfungsrisiko

2

Vorstandsrisiko

4

Vergütungsrisiko

4

Aktionärsrechterisiko

4

Teil 2 · Der Preis und der Einstiegszeitpunkt

Dieser Teil sagt nicht, ob das Unternehmen etwas taugt: Er hilft bei der Wahl des Kaufzeitpunkts, nachdem die Fundamentaldaten überzeugt haben. Enthalten: technische Analyse, Potenzial, historische Drawdowns, Gamma-Exposure.

Ertragshistorie

via SEC EDGAR

Latest News

Recent headlines for UMBF, sourced from Markets Gazette.

  • 3/15/2026POSITIVE
    Regional Bank Stock Up 14% in a Year as Investor Sells $2.6 Million in Shares

    UMB Financial Corporation has seen its stock price rise 14% over the past year, demonstrating robust performance in the regional banking sector. The company, which offers a range of banking and asset management services across 15 states, generates income through interest and fees. Despite a recent sale of $2.6 million in shares by an investor, the stock's upward trend suggests sustained investor confidence and positive operational momentum. This performance indicates UMBF's resilience and ability to navigate the current economic landscape, making it an attractive option for investors seeking exposure to the financial services industry.

via Markets Gazette