UMB Financial Corporation
General ticker "UMBF" information:
- Sector: Financials
- Industry: Banks - Regional
- Capitalization: $5.4B (TTM average)
UMB Financial Corporation follows the US Stock Market performance with the rate: 70.4%.
Estimated limits based on current volatility of 1.3%: low 120.40$, high 123.58$
Factors to consider:
- Earnings expected soon, date: 2026-01-27 amc
- Company pays dividends (quarterly): last record date 2025-12-10, amount 0.43$ (Y1.41%)
- Total employees count: 3698 (+2.8%) as of 2024
- Top business risk factors: Economic downturns and volatility, Liquidity and credit risks, Operational and conduct risks, Third-party risks, Risk management failure
- Price in estimated range
- Earnings for 9 months up through Q3 exceed our estimates
Stock Forecast*
* forecast is subjective and experimental, should not be used for any investment decisions
Long term estimates were made for the period from 2024-12-31 to 2026-12-31
- 2024-12-31 to 2025-12-31 estimated range: [99.52$, 137.94$]
- 2025-12-31 to 2026-12-31 estimated range: [92.47$, 132.15$]
Financial Metrics affecting the UMBF estimates:
- Negative: with PPE of 12.7 at the end of fiscal year the price was high
- Positive: Operating profit margin, % of 20.53 > 18.33
- Positive: Industry operating cash flow per share per price (median), % of 10.65 > 10.14
- Positive: Industry operating profit margin (median), % of 21.25 > 9.53
- Positive: -3.57 < Return on assets ratio (scaled to [-100,100]) of 0.87
Short-term UMBF quotes
Long-term UMBF plot with estimates
Financial data
| YTD | 2022-12-31 | 2023-12-31 | 2024-12-31 |
|---|---|---|---|
| Operating Revenue | $1,583.16MM | $2,244.49MM | $2,636.96MM |
| Operating Expenses | $1,051.15MM | $1,822.89MM | $2,095.69MM |
| Operating Income | $532.01MM | $421.60MM | $541.27MM |
| Interest Expense | $223.72MM | $918.59MM | $1,170.12MM |
| Income(Loss) | $532.01MM | $421.60MM | $541.27MM |
| Taxes | $100.33MM | $71.58MM | $100.03MM |
| Profit(Loss)* | $431.68MM | $350.02MM | $441.24MM |
| Stockholders Equity | $2,667.09MM | $3,100.42MM | $3,466.54MM |
| Assets | $38,512.46MM | $44,011.67MM | $50,409.66MM |
| Operating Cash Flow | $769.55MM | $472.60MM | $225.29MM |
| Capital expenditure | $51.72MM | $26.91MM | $24.21MM |
| Investing Cash Flow | $-3,845.39MM | $-1,273.27MM | $-3,262.50MM |
| Financing Cash Flow | $-4,580.86MM | $4,771.05MM | $5,957.65MM |
| Earnings Per Share** | $8.93 | $7.22 | $9.05 |
* Profit(Loss) attributable to entity.
** EPS are Split Adjusted, recent splits may be reflected with a delay.