Retour au classement

UMB Financial Corporation (UMBF)

Juste valeur
Financial ServicesBanks - RegionalUnited States

Fondamental

73

Prix

$130.01

Capitalisation boursière

$9.87B

Partie 1 · Ce que vaut l'entreprise

Vue d'ensemble

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.

No editorial profile for this company yet

Direct competitors

Who this company fights with for the same customers

No editorial profile for this company yet

No competitor list for this company yet.

Bilan & Liquidités

Chiffre d'affaires

$2.92B

12 derniers mois (au 30/06/2026)

Résultat net

$943M

12 derniers mois (au 30/06/2026)

Flux de trésorerie libre

$978M

Capitaux propres totaux

$7.69B

Passif total

$65.40B

Ratio de liquidité général

-

Couverture des intérêts

0.58

Dette/EBITDA

-

Bénéfice par action

Chiffre d'affaires & Résultat net

Flux de trésorerie libre

Décomposition du résultat

État historique

Marges dans le temps

La dette dans le temps

Grille de la croissance

Croissance — Chiffre d'affaires

Estimation de la juste valeur

BanqueJustement valorisé

Juste valeur

$133.97

Prix actuel

$130.01

Marge de sécurité

+3.0%

Fourchette de juste valeur

$89.86 - $178.08

Écart entre les méthodes de valorisation utilisées, pas un intervalle de confiance calibré statistiquement.

Méthodes d'estimation

Objectif de cours des analystes:$167.81
Flux de trésorerie actualisés (DCF):Non applicable à ce type d'entreprise
Multiple de résultat (P/E):$116.11
Formule de croissance de Graham:Non applicable à ce type d'entreprise
Valeur de la capacité bénéficiaire (EPV):Non applicable à ce type d'entreprise
P/B justifié:$157.21
Actualisation des dividendes (Gordon):$42.95
P/FFO, les fonds provenant de l'exploitation:Non applicable à ce type d'entreprise
Bénéfices de milieu de cycle:Non applicable à ce type d'entreprise
Multiple sur le chiffre d'affaires:Non applicable à ce type d'entreprise
Consensus des analystes:Achat fort (18B / 3H / 0S)
Dernière surprise sur les résultats:+11.63%

Indicateurs de valorisation

Ratio P/E

10.68

ROE

9.1%

Ratio P/B

1.23

P/FCF

9.49

Marge brute

-

ROIC

-

Radar de rentabilité

Création de valeur (avantage concurrentiel)

ROIC

-

WACC

9.5%

ROIC − WACC

-

Critères d'analyse fondamentale

Réussi (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

Échoué (5)

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

Indisponible (5)

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

Score F de Piotroski

6/9

Signaux mixtes : certains domaines nécessitent attention

score
criteria

Qualité des bénéfices

1.16

Qualité élevée : bénéfices soutenus par la trésorerie

Dilution du capital

54.0%

Émission de nouvelles actions, diluant la participation

Participations institutionnelles

Gouvernance

Équipe dirigeante

NomTitreÂge
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-

Risque d'audit

2

Risque du conseil

4

Risque de rémunération

4

Risque droits des actionnaires

4

Partie 2 · Le prix et le moment d'entrer

Cette partie ne dit pas si l'entreprise vaut la peine : elle aide à choisir quand l'acheter, une fois que les fondamentaux vous ont convaincu. À l'intérieur : analyse technique, potentiel, baisses historiques, exposition gamma.

Documents

  • Rapport annuel (10-K)

    Un aperçu annuel de l'activité, des résultats financiers et des risques de l'entreprise.

    Déposé le 2026-02-26

    Voir le document
  • Rapport trimestriel (10-Q)

    Une mise à jour de la performance financière des trois derniers mois.

    Déposé le 2026-07-30

    Voir le document
  • Rapport d'événement important (8-K)

    Un avis concernant un événement important, comme un changement de direction ou une annonce majeure.

    Déposé le 2026-09-01

    Voir le document

via SEC EDGAR

Historique des résultats

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