UMB FINANCIAL CORPORATION |
Market Closed -
Other stock markets
|
5-day change | 1st Jan Change | ||
| 83.17 USD | -0.59% |
|
+2.12% | -0.45% |
| Apr. 27 | UMB Financial Reportedly in Talks to Acquire Heartland Financial USA | CI |
| Apr. 26 | UMB, Heartland Financial in Talks for Potential Merger | MT |
Valuation
| Fiscal Period: December | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|---|---|---|
| Capitalization 1 | 3,370 | 3,314 | 5,131 | 4,035 | 4,055 | 4,054 | - |
| Enterprise Value (EV) 1 | 3,370 | 3,314 | 5,131 | 4,035 | 4,055 | 4,054 | 4,054 |
| P/E ratio | 13.8 x | 11.6 x | 14.7 x | 9.43 x | 11.6 x | 11.5 x | 10.9 x |
| Yield | 1.76% | 1.81% | 1.3% | 1.78% | 1.83% | 1.88% | 1.93% |
| Capitalization / Revenue | 3.07 x | 2.57 x | 4 x | 2.75 x | 2.72 x | 2.7 x | 2.55 x |
| EV / Revenue | 3.07 x | 2.57 x | 4 x | 2.75 x | 2.72 x | 2.7 x | 2.55 x |
| EV / EBITDA | - | - | - | - | - | - | - |
| EV / FCF | - | - | - | - | - | - | - |
| FCF Yield | - | - | - | - | - | - | - |
| Price to Book | 1.29 x | 1.1 x | 1.63 x | 1.51 x | 1.31 x | 1.17 x | 1.06 x |
| Nbr of stocks (in thousands) | 49,092 | 48,031 | 48,359 | 48,312 | 48,531 | 48,742 | - |
| Reference price 2 | 68.64 | 68.99 | 106.1 | 83.52 | 83.55 | 83.17 | 83.17 |
| Announcement Date | 1/28/20 | 1/26/21 | 1/25/22 | 1/24/23 | 1/30/24 | - | - |
1USD in Million2USD
Estimates
Income Statement Evolution (Annual data)
| Fiscal Period: December | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|---|---|---|
| Net sales 1 | 1,098 | 1,291 | 1,283 | 1,468 | 1,488 | 1,504 | 1,588 |
| EBITDA | - | - | - | - | - | - | - |
| EBIT 1 | 318.8 | 469.4 | 449.1 | 571.5 | 524.8 | 534.2 | 561.6 |
| Operating Margin | 29.04% | 36.35% | 35.01% | 38.93% | 35.26% | 35.52% | 35.37% |
| Earnings before Tax (EBT) 1 | 286 | 338.9 | 429.1 | 532 | 421.6 | 435.5 | 475.7 |
| Net income 1 | 243.6 | 286.5 | 353 | 431.7 | 350 | 353.8 | 375.2 |
| Net margin | 22.19% | 22.19% | 27.52% | 29.41% | 23.52% | 23.52% | 23.63% |
| EPS 2 | 4.960 | 5.930 | 7.240 | 8.860 | 7.180 | 7.220 | 7.636 |
| Free Cash Flow | - | - | - | - | - | - | - |
| FCF margin | - | - | - | - | - | - | - |
| FCF Conversion (EBITDA) | - | - | - | - | - | - | - |
| FCF Conversion (Net income) | - | - | - | - | - | - | - |
| Dividend per Share 2 | 1.210 | 1.250 | 1.380 | 1.490 | 1.530 | 1.568 | 1.608 |
| Announcement Date | 1/28/20 | 1/26/21 | 1/25/22 | 1/24/23 | 1/30/24 | - | - |
1USD in Million2USD
Estimates
Income Statement Evolution (Quarterly data)
| Fiscal Period: December | 2021 Q3 | 2021 Q4 | 2022 Q1 | 2022 Q2 | 2022 Q3 | 2022 Q4 | 2023 Q1 | 2023 Q2 | 2023 Q3 | 2023 Q4 | 2024 Q1 | 2024 Q2 | 2024 Q3 | 2024 Q4 | 2025 Q1 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Net sales 1 | 317.7 | 329.4 | 334 | 401.1 | 362.2 | 370.7 | 371.9 | 363.7 | 355.4 | 377.4 | 368 | 374.9 | 378.6 | 382.4 | 384.4 |
| EBITDA | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - |
| EBIT 1 | 108.8 | 106.9 | 119.3 | 187.1 | 131.2 | 134.1 | 135.4 | 127.9 | 126.6 | 134.9 | 130.7 | 133.6 | 133.9 | 135.9 | 132 |
| Operating Margin | 34.25% | 32.45% | 35.7% | 46.63% | 36.21% | 36.17% | 36.4% | 35.17% | 35.61% | 35.74% | 35.52% | 35.65% | 35.37% | 35.54% | 34.34% |
| Earnings before Tax (EBT) 1 | 113.8 | 98.37 | 125.8 | 173.6 | 108.8 | 123.8 | 111.6 | 110 | 119.2 | 80.8 | 107.4 | 112.7 | 111.2 | 113 | 115 |
| Net income 1 | 94.47 | 78.5 | 106 | 137.6 | 87.99 | 100.2 | 92.44 | 90.11 | 96.55 | 70.92 | 86.87 | 89.67 | 88.31 | 88.96 | 88.57 |
| Net margin | 29.74% | 23.83% | 31.72% | 34.29% | 24.29% | 27.03% | 24.86% | 24.78% | 27.16% | 18.79% | 23.6% | 23.92% | 23.32% | 23.26% | 23.04% |
| EPS 2 | 1.940 | 1.610 | 2.170 | 2.830 | 1.810 | 2.060 | 1.900 | 1.850 | 1.980 | 1.450 | 1.774 | 1.828 | 1.802 | 1.814 | 1.803 |
| Dividend per Share 2 | 0.3700 | 0.3700 | 0.3700 | 0.3700 | 0.3700 | 0.3800 | 0.3800 | 0.3800 | 0.3800 | 0.3900 | 0.3900 | 0.3900 | 0.3900 | 0.3975 | 0.4000 |
| Announcement Date | 10/26/21 | 1/25/22 | 4/26/22 | 7/26/22 | 10/25/22 | 1/24/23 | 4/25/23 | 7/25/23 | 10/24/23 | 1/30/24 | - | - | - | - | - |
1USD in Million2USD
Estimates
Balance Sheet Analysis
| Fiscal Period: December | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|---|---|---|
| Net Debt | - | - | - | - | - | - | - |
| Net Cash position | - | - | - | - | - | - | - |
| Leverage (Debt/EBITDA) | - | - | - | - | - | - | - |
| Free Cash Flow | - | - | - | - | - | - | - |
| ROE (net income / shareholders' equity) | 9.99% | 10.2% | 11.5% | 15.9% | 13.9% | 11.2% | 10.6% |
| ROA (Net income/ Total Assets) | 1.03% | 1% | 1% | 1.15% | 1% | 0.84% | 0.87% |
| Assets 1 | 23,650 | 28,650 | 35,302 | 37,538 | 35,002 | 41,918 | 43,126 |
| Book Value Per Share 2 | 53.10 | 62.80 | 65.00 | 55.20 | 63.90 | 71.20 | 78.20 |
| Cash Flow per Share | - | - | - | - | - | - | - |
| Capex | - | - | - | - | - | - | - |
| Capex / Sales | - | - | - | - | - | - | - |
| Announcement Date | 1/28/20 | 1/26/21 | 1/25/22 | 1/24/23 | 1/30/24 | - | - |
1USD in Million2USD
Estimates
EPS & Dividend
Year-on-year evolution of the PER
Year-on-year evolution of the Yield
Change in Enterprise Value/EBITDA
Trading Rating
Investor Rating
ESG Refinitiv
B-
Sell
Buy
Mean consensus
OUTPERFORM
Number of Analysts
6
Last Close Price
83.17
USD
Average target price
93.17
USD
Spread / Average Target
+12.02%
EPS Revisions
| 1st Jan change | Capi. | |
|---|---|---|
| -0.45% | 4.05B | |
| +16.61% | 210B | |
| +2.39% | 73.14B | |
| +7.99% | 54.82B | |
| +1.36% | 47.1B | |
| +13.25% | 47B | |
| +19.29% | 44.81B | |
| +10.93% | 36.6B | |
| -16.21% | 35.14B | |
| -96.60% | 32.24B |
- Stock Market
- Equities
- UMBF Stock
- Financials UMB Financial Corporation
