Company Valuation: UMB Financial Corporation

Data adjusted to current consolidation scope
Fiscal Period: December 2021 2022 2023 2024 2025 2026 2027 2028
Market Cap 1 5,131 4,035 4,055 5,507 8,738 10,919 - -
Change - -21.36% 0.49% 35.83% 58.66% 24.96% - -
Enterprise Value (EV) 5,131 4,035 4,055 5,507 8,738 10,919 10,919 10,919
Change - -21.36% 0.49% 35.83% 58.66% 24.96% 0% 0%
P/E 14.7x 9.43x 11.6x 12.6x 12.4x 10.7x 10.2x 9.28x
PBR 1.63x 1.51x 1.31x 1.59x 1.18x 1.33x 1.2x 1.07x
PEG - 0.4x -0.6x 0.5x 3.72x 0.2x 2.11x 0.95x
Capitalization / Revenue 4x 2.75x 2.72x 3.33x 3.25x 3.65x 3.45x 3.19x
EV / Revenue 0x 0x 0x 0x 0x 3.65x 3.45x 3.19x
EV / EBITDA - - - - - - - -
EV / EBIT 0x 0x 0x 0x 0x 7.61x 7.07x 6.49x
EV / FCF - - - - - - - -
FCF Yield - - - - - - - -
Dividend per Share 2 1.38 1.49 1.53 1.57 1.63 1.819 1.966 2.072
Rate of return 1.3% 1.78% 1.83% 1.39% 1.42% 1.27% 1.37% 1.44%
EPS 2 7.24 8.86 7.18 8.99 9.29 13.46 14.11 15.49
Distribution rate 19.1% 16.8% 21.3% 17.5% 17.5% 13.5% 13.9% 13.4%
Net sales 1 1,283 1,468 1,488 1,655 2,685 2,988 3,162 3,418
EBITDA - - - - - - - -
EBIT 1 449.1 571.5 524.8 625.8 1,165 1,434 1,544 1,682
Net income 1 353 431.7 350 441.2 684.6 1,023 1,063 1,181
Net Debt - - - - - - - -
Reference price 2 106.11 83.52 83.55 112.86 115.04 143.76 143.76 143.76
Nbr of stocks (in thousands) 48,359 48,312 48,531 48,798 75,955 75,950 - -
Announcement Date 1/25/22 1/24/23 1/30/24 1/28/25 1/27/26 - - -
1USD in Million2USD
Estimates

P/E, Detailed evolution



P/E (Y) EV / Sales (Y) EV / EBITDA (Y) Dividend Yield (Y) Capi.($)
10.68x - - 1.27% 10.92B
6.52x - - 4.91% 349B
17.67x - - 0.96% 108B
15.33x - - 4.38% 82.48B
8.05x - - 6.25% 66.37B
5.13x - - 5.86% 56.91B
17.89x - - 2.96% 49.76B
13.57x - - 5.14% 46.15B
9.37x - - 4.59% 41.99B
11.6x - - 3.47% 38.92B
Average 11.58x 3.98% 85.07B
Weighted average by Cap. 10.29x 4.29%

Y-o-Y evolution of P/E

Historical PBR trend

Evolution Enterprise Value / Sales

Change in Enterprise Value/EBITDA



Year-on-year evolution of the Yield

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