UMB Financial Corporation (UMBF)
適正価値ファンダメンタル
73
株価
$129.48
時価総額
$9.87B
パート1 · 企業の価値
概要
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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Direct competitors
Who this company fights with for the same customers
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No competitor list for this company yet.
貸借対照表と流動性
売上高
$2.92B
直近12か月(2026/6/30まで)
純利益
$943M
直近12か月(2026/6/30まで)
フリーキャッシュフロー
$978M
自己資本合計
$7.69B
負債合計
$65.40B
流動比率
-
利払い倍率
0.58
負債/EBITDA
-
一株当たり利益(EPS)
売上高と純利益
フリーキャッシュフロー
収益内訳
財務推移表
利益率の推移
負債の推移
成長率グリッド
成長率 — 売上高
適正価値の推定
適正価値
$133.97
現在株価
$129.48
安全マージン
+3.4%
適正価値レンジ
$89.86 - $178.08
使用した評価手法間のばらつきであり、統計的に較正された信頼区間ではありません。
推定方法
バリュエーション指標
P/E レシオ
10.68
ROE
9.1%
P/B レシオ
1.23
P/FCF
9.49
粗利益率
-
ROIC
-
収益性レーダー
価値創造(経済的モート)
ROIC
-
WACC
9.5%
ROIC − WACC
-
ファンダメンタル分析基準
合格(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
不合格(5)
- Debt/Equity ratio
- Interest Coverage
- Return on Tangible Assets
- DCF valuation (Overvalued)
- Share Dilution 54.0%
データなし(5)
- ROIC NaN%
- Gross Margin NaN%
- Dividend Payout NaN%
- Current Ratio
- Debt/EBITDA
Piotroski F-スコア
まちまちのシグナル:一部の領域に注意が必要
利益の質
高品質:利益はキャッシュに裏付けられている
株式希薄化
新株を発行しており、所有権を希薄化している
機関投資家の保有
ガバナンス
経営陣
| 氏名 | 役職 | 年齢 |
|---|---|---|
| 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 | - |
監査リスク
2
取締役会リスク
4
報酬リスク
4
株主権利リスク
4
パート2 · 株価と買い時
この部分は企業に価値があるかを判断するものではありません。ファンダメンタルズに納得したうえで、いつ買うかを選ぶためのものです。内容:テクニカル分析、ポテンシャル、過去のドローダウン、ガンマエクスポージャー。
業績推移
via SEC EDGAR
Latest News
Recent headlines for UMBF, sourced from 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