UMB FINANCIAL CORPORATION |
Market Closed -
Other stock markets
|
5-day change | 1st Jan Change | ||
| 82.48 USD | +1.08% |
|
-0.10% | -1.28% |
| 05-10 | United Bankshares to buy Piedmont Bancorp in $267 million deal | RE |
| 05-01 | North American Morning Briefing : Traders Wait for -2- | DJ |
Valuation
| Fiscal Period: December | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 | 2026 |
|---|---|---|---|---|---|---|---|---|
| Capitalization 1 | 3,370 | 3,314 | 5,131 | 4,035 | 4,055 | 4,020 | - | - |
| Enterprise Value (EV) 1 | 3,370 | 3,314 | 5,131 | 4,035 | 4,055 | 4,020 | 4,020 | 4,020 |
| P/E ratio | 13.8 x | 11.6 x | 14.7 x | 9.43 x | 11.6 x | 10.2 x | 11.6 x | 7.7 x |
| Yield | 1.76% | 1.81% | 1.3% | 1.78% | 1.83% | 1.9% | 1.96% | 2.11% |
| Capitalization / Revenue | 3.07 x | 2.57 x | 4 x | 2.75 x | 2.72 x | 2.57 x | 1.73 x | 1.54 x |
| EV / Revenue | 3.07 x | 2.57 x | 4 x | 2.75 x | 2.72 x | 2.57 x | 1.73 x | 1.54 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 | 1.18 x | 1.05 x | 0.96 x |
| Nbr of stocks (in thousands) | 49,092 | 48,031 | 48,359 | 48,312 | 48,531 | 48,744 | - | - |
| Reference price 2 | 68.64 | 68.99 | 106.1 | 83.52 | 83.55 | 82.48 | 82.48 | 82.48 |
| Announcement Date | 20-01-28 | 21-01-26 | 22-01-25 | 23-01-24 | 24-01-30 | - | - | - |
1USD in Million2USD
Estimates
Income Statement Evolution (Annual data)
| Fiscal Period: December | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 | 2026 |
|---|---|---|---|---|---|---|---|---|
| Net sales 1 | 1,098 | 1,291 | 1,283 | 1,468 | 1,488 | 1,562 | 2,322 | 2,615 |
| EBITDA | - | - | - | - | - | - | - | - |
| EBIT 1 | 318.8 | 469.4 | 449.1 | 571.5 | 524.8 | 575.9 | 926.9 | 1,183 |
| Operating Margin | 29.04% | 36.35% | 35.01% | 38.93% | 35.26% | 36.86% | 39.92% | 45.25% |
| Earnings before Tax (EBT) 1 | 286 | 338.9 | 429.1 | 532 | 421.6 | 498 | 719.6 | - |
| Net income 1 | 243.6 | 286.5 | 353 | 431.7 | 350 | 399.5 | 508.9 | 805.5 |
| Net margin | 22.19% | 22.19% | 27.52% | 29.41% | 23.52% | 25.57% | 21.91% | 30.8% |
| EPS 2 | 4.960 | 5.930 | 7.240 | 8.860 | 7.180 | 8.078 | 7.138 | 10.71 |
| 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 | 1.570 | 1.620 | 1.740 |
| Announcement Date | 20-01-28 | 21-01-26 | 22-01-25 | 23-01-24 | 24-01-30 | - | - | - |
1USD in Million2USD
Estimates
Income Statement Evolution (Quarterly data)
| Fiscal Period: December | 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 | 2025 Q2 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Net sales 1 | 329.4 | 334 | 401.1 | 362.2 | 370.7 | 371.9 | 363.7 | 355.4 | 377.4 | 405.2 | 385.3 | 389.8 | 392.5 | 422.5 | 599.2 |
| EBITDA | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - |
| EBIT 1 | 106.9 | 119.3 | 187.1 | 131.2 | 134.1 | 135.4 | 127.9 | 126.6 | 134.9 | 157.5 | 138.4 | 142.1 | 143.5 | 148.9 | 241.6 |
| Operating Margin | 32.45% | 35.7% | 46.63% | 36.21% | 36.17% | 36.4% | 35.17% | 35.61% | 35.74% | 38.86% | 35.92% | 36.46% | 36.57% | 35.25% | 40.32% |
| Earnings before Tax (EBT) 1 | 98.37 | 125.8 | 173.6 | 108.8 | 123.8 | 111.6 | 110 | 119.2 | 80.8 | 133.9 | 122.2 | 122.2 | 122.9 | 132.4 | 201 |
| Net income 1 | 78.5 | 106 | 137.6 | 87.99 | 100.2 | 92.44 | 90.11 | 96.55 | 70.92 | 110.3 | 96.78 | 97.21 | 95.5 | 61.3 | 94.1 |
| Net margin | 23.83% | 31.72% | 34.29% | 24.29% | 27.03% | 24.86% | 24.78% | 27.16% | 18.79% | 27.21% | 25.12% | 24.94% | 24.33% | 14.51% | 15.7% |
| EPS 2 | 1.610 | 2.170 | 2.830 | 1.810 | 2.060 | 1.900 | 1.850 | 1.980 | 1.450 | 2.250 | 1.950 | 1.954 | 1.922 | 1.227 | 1.243 |
| Dividend per Share 2 | 0.3700 | 0.3700 | 0.3700 | 0.3700 | 0.3800 | 0.3800 | 0.3800 | 0.3800 | 0.3900 | - | 0.3900 | 0.3900 | 0.4000 | 0.4033 | 0.4033 |
| Announcement Date | 22-01-25 | 22-04-26 | 22-07-26 | 22-10-25 | 23-01-24 | 23-04-25 | 23-07-25 | 23-10-24 | 24-01-30 | 24-04-29 | - | - | - | - | - |
1USD in Million2USD
Estimates
Balance Sheet Analysis
| Fiscal Period: December | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 | 2026 |
|---|---|---|---|---|---|---|---|---|
| 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% | 12.6% | 13.6% | 14% |
| ROA (Net income/ Total Assets) | 1.03% | 1% | 1% | 1.15% | 1% | 0.93% | 1.08% | 1.37% |
| Assets 1 | 23,650 | 28,650 | 35,302 | 37,538 | 35,002 | 42,773 | 47,207 | 58,796 |
| Book Value Per Share 2 | 53.10 | 62.80 | 65.00 | 55.20 | 63.90 | 70.20 | 78.80 | 86.30 |
| Cash Flow per Share | - | - | - | - | - | - | - | - |
| Capex | - | - | - | - | - | - | - | - |
| Capex / Sales | - | - | - | - | - | - | - | - |
| Announcement Date | 20-01-28 | 21-01-26 | 22-01-25 | 23-01-24 | 24-01-30 | - | - | - |
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
82.48
USD
Average target price
95.5
USD
Spread / Average Target
+15.79%
EPS Revisions
| 1st Jan change | Capi. | |
|---|---|---|
| -1.28% | 4.02B | |
| +24.25% | 208B | |
| -0.27% | 71.94B | |
| +12.23% | 57.69B | |
| +20.21% | 50.35B | |
| +5.31% | 49.08B | |
| +32.07% | 46.89B | |
| +10.86% | 36.93B | |
| -15.79% | 35.32B | |
| -96.60% | 32.24B |
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