返回排名列表

UMB Financial Corporation (UMBF)

合理估值
Financial ServicesBanks - RegionalUnited States

基本面

73

价格

$129.48

市值

$9.87B

第一部分 · 这家公司值多少

概览

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.

资产负债表与流动性

营收

$2.92B

最近12个月(截至2026/6/30)

净利润

$943M

最近12个月(截至2026/6/30)

自由现金流

$978M

股东权益合计

$7.69B

负债合计

$65.40B

流动比率

-

利息覆盖率

0.58

债务/EBITDA

-

每股收益

营收与净利润

自由现金流

收入构成

历史财务表

利润率变化

债务变化

增长一览表

增长 — 营业收入

公允价值估算

银行合理估值

公允价值

$133.97

当前价格

$129.48

安全边际

+3.4%

公允价值区间

$89.86 - $178.08

所用估值方法之间的离散区间,并非经过统计校准的置信区间。

估算方法

分析师目标价:$167.81
现金流折现法(DCF):不适用于此类公司
市盈率法(P/E):$116.11
格雷厄姆成长公式:不适用于此类公司
盈利能力价值(EPV):不适用于此类公司
合理市净率(P/B):$157.21
股息折现模型(戈登模型):$42.95
P/FFO(运营资金):不适用于此类公司
周期中段收益:不适用于此类公司
市销率法(P/S):不适用于此类公司
分析师共识:强力买入 (18B / 3H / 0S)
最近财报超预期:+11.63%

估值指标

市盈率(P/E)

10.68

ROE

9.1%

市净率(P/B)

1.23

P/FCF

9.49

毛利率

-

ROIC

-

盈利能力雷达图

价值创造(经济护城河)

ROIC

-

WACC

9.5%

ROIC − WACC

-

基本面分析标准

通过(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

未通过(5)

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

不可用(5)

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

Piotroski F-评分

6/9

信号混杂:部分领域需关注

score
criteria

盈利质量

1.16

高质量:盈利有现金流支撑

股权稀释

54.0%

正在发行新股,稀释所有权

机构持股

公司治理

管理团队

姓名职位年龄
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-

审计风险

2

董事会风险

4

薪酬风险

4

股东权利风险

4

第二部分 · 价格与买入时机

这一部分不判断公司是否值得拥有:它帮助你在基本面说服你之后,选择何时买入。包含:技术分析、潜力、历史回撤、Gamma 敞口。

文件

  • 年度报告(10-K)

    对公司业务、财务业绩和风险的年度概述。

    提交日期:2026-02-26

    查看文件
  • 季度报告(10-Q)

    最近三个月财务表现的最新情况。

    提交日期:2026-07-30

    查看文件
  • 临时报告(8-K)

    关于重大事件(如管理层变动或重要公告)的通知。

    提交日期:2026-09-01

    查看文件

via SEC EDGAR

损益历史

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