UMB Financial Corporation
General ticker "UMBF" information:
- Sector: Financials
- Industry: Banks - Regional
- Capitalization: $8.8B (TTM average)
UMB Financial Corporation follows the US Stock Market performance with the rate: 59.3%.
Estimated limits based on current volatility of 1.0%: low 144.25$, high 147.06$
Factors to consider:
- Earnings expected soon, date: 2026-07-28 amc
- Company pays dividends (quarterly): last record date 2026-06-10, amount 0.43$ (Y1.18%)
- Total employees count: 3698 (+2.8%) as of 2024
- Top business risk factors: Economic downturns and volatility, Liquidity and credit risks, Real estate decline, Regulatory and compliance, Cybersecurity threats
- Earnings for 15 months up through Q1 (+1 year) 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: [103.49$, 141.87$]
- 2025-12-31 to 2026-12-31 estimated range: [102.11$, 142.36$]
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 > 18.40
- Positive: Industry earnings per price (median), % of 6.34 > 4.44
- Positive: -0.03 < Operating cash flow per share per price, % of 4.03
- Positive: -3.72 < Return on assets ratio (scaled to [-100,100]) of 0.87
- Positive: Inventory ratio change, % of 0 <= 0
- Positive: Industry operating profit margin (median), % of 23.76 > 9.66
- Positive: Industry inventory ratio change (median), % of 0 <= 0
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 |
| Net Income(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.