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UMB Financial Corporation (UMBF)

適正価値
Financial ServicesBanks - RegionalUnited States

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.

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.

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

銀行適正価値

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

アナリストの目標株価:$167.81
ディスカウンテッド・キャッシュフロー(DCF):この種の企業には適用されません
利益倍率(P/E):$116.11
グレアムの成長公式:この種の企業には適用されません
収益力価値(EPV):この種の企業には適用されません
正当化されたP/B:$157.21
配当割引モデル(ゴードン):$42.95
P/FFO(運用から生まれる資金):この種の企業には適用されません
中間サイクル利益:この種の企業には適用されません
売上高倍率:この種の企業には適用されません
アナリスト・コンセンサス:強い買い (18B / 3H / 0S)
直近の決算サプライズ:+11.63%

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

6/9

まちまちのシグナル:一部の領域に注意が必要

score
criteria

利益の質

1.16

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

54.0%

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 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-

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。

書類

  • 年次報告書(10-K)

    事業内容、財務実績、リスクをまとめた年次の概要。

    提出日: 2026-02-26

    書類を見る
  • 四半期報告書(10-Q)

    直近3か月間の業績に関する最新情報。

    提出日: 2026-07-30

    書類を見る
  • 臨時報告書(8-K)

    経営陣の交代や重要な発表など、大きな出来事に関するお知らせ。

    提出日: 2026-09-01

    書類を見る

via SEC EDGAR

業績推移

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