UMB Financial Corporation (UMBF)
Fair ValueFondamentale
73
Prezzo
$129.48
Capitalizzazione
$9.87B
Parte 1 · Quanto vale l'azienda
Panoramica
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.
Per questa società non c'è ancora una scheda redazionale
Concorrenti diretti
Con chi questa società si contende gli stessi clienti
Per questa società non c'è ancora una scheda redazionale
Per questa società non c'è ancora un elenco di concorrenti.
Stato Patrimoniale e Liquidità
Ricavi
$2.92B
Ultimi 12 mesi (al 30/06/2026)
Utile Netto
$943M
Ultimi 12 mesi (al 30/06/2026)
Free Cash Flow
$978M
Patrimonio Netto Totale
$7.69B
Passività Totali
$65.40B
Rapporto di Liquidità
-
Copertura Interessi
0.58
Debito/EBITDA
-
Utile per Azione
Ricavi e Utile Netto
Free Cash Flow
Scomposizione Ricavi
Prospetto storico
Margini nel tempo
Il debito nel tempo
Griglia della crescita
Crescita — Ricavi
Stima del Fair Value
Fair Value
$133.97
Prezzo Attuale
$129.48
Margine di Sicurezza
+3.4%
Range Fair Value
$89.86 - $178.08
Intervallo di dispersione tra i metodi di valutazione usati, non una stima statisticamente calibrata.
Metodi di Stima
Metriche di Valutazione
Rapporto P/E
10.68
ROE
9.1%
Rapporto P/B
1.23
P/FCF
9.49
Margine Lordo
-
ROIC
-
Radar Redditività
Creazione di Valore (Vantaggio Competitivo)
ROIC
-
WACC
9.5%
ROIC − WACC
-
Criteri di Analisi Fondamentale
Superati (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
Non superati (5)
- Debt/Equity ratio
- Interest Coverage
- Return on Tangible Assets
- DCF valuation (Overvalued)
- Share Dilution 54.0%
Non disponibili (5)
- ROIC NaN%
- Gross Margin NaN%
- Dividend Payout NaN%
- Current Ratio
- Debt/EBITDA
Piotroski F-Score
Segnali misti: alcune aree necessitano attenzione
Qualità degli Utili
Alta qualità: utili supportati da cash
Diluizione Azionaria
Emissione nuove azioni, diluizione proprietà
Partecipazioni istituzionali
Governance
Team Dirigenziale
| Nome | Ruolo | Età |
|---|---|---|
| Mr. J. Mariner Kemper | Chairman & CEO | 52 |
| Mr. James D. Rine | President & Vice Chairman | 54 |
| Mr. Ram Shankar | Executive VP & CFO | 52 |
| Ms. Uma Wilson AAP, CTP | Executive VP and Chief Information, Bank Product & Operations Officer | 46 |
| Ms. Shannon Andresen Johnson P.H.R. | Executive VP, Chief Administrative Officer & Chief Risk Officer | 45 |
| Mr. James A. Sangster | Executive Vice President | 70 |
| Mr. Brian Nelson Kaufman | Managing Director of Prairie Capital Management | - |
| Mr. Thomas S. Terry | Executive VP & Chief Credit Officer | 61 |
| Mr. Nikki Farentino Newton | President of Private Wealth Management - UMB Bank, National Association | 53 |
| Mr. John R. Russ | President of Commercial Services | - |
Rischio Audit
2
Rischio CdA
4
Rischio Compensi
4
Rischio Diritti Azionisti
4
Parte 2 · Il prezzo e il momento d'ingresso
Questa parte non serve a capire se l'azienda vale: serve a scegliere quando comprarla, dopo che i fondamentali ti hanno convinto. Dentro: analisi tecnica, potenziale, drawdown storici, esposizione gamma.
Documenti
- Vedi documento
Relazione annuale (10-K)
Una panoramica annuale del business, dei risultati finanziari e dei rischi dell'azienda.
Depositato il 2026-02-26
- Vedi documento
Relazione trimestrale (10-Q)
Un aggiornamento sull'andamento finanziario degli ultimi tre mesi.
Depositato il 2026-07-30
- Vedi documento
Comunicazione price-sensitive (8-K)
Una comunicazione su un evento importante, come un cambio ai vertici o un grande annuncio.
Depositato il 2026-09-01
via SEC EDGAR
Storico Ricavi
via SEC EDGAR
Ultime Notizie
Ultime notizie per UMBF, da Markets Gazette.
- 3/15/2026POSITIVERegional 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