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UMB Financial Corporation (UMBF) Stock Verdict & Ratings | Investment Bastion

Stock Verdict·Updated 1d ago

UMB Financial Corporation

UMBFMarket cap $9.88BPrice $130.1

Country🇺🇸United States

SectorFinancials

IndustryBanks

UMB Financial runs commercial banking, asset management, and institutional custody services across the Midwest and beyond. It's stayed independent for over a century while bigger rivals got swallowed in mergers, quietly building one of the largest healthcare-focused payment platforms in banking.

In Bastion Portfolios?

52W Return+20%Global Market +16%?

01Key Ratings

How does this stock score across Bastion factors?

Growth

Historical Revenue

Rev CAGR (3y)+20%–

Revenue Forecast

Rev CAGR (1y)na–

Rev CAGR (3y)+11%–

Rev CAGR (5y)+8%6

Earnings Forecast

EPS Growth Y+1+44%9

EPS Growth Y+2+5%5

EPS Growth Y+3+10%7

Quality

Margins

EBIT Margin0%6

Net Income Margin34%9

Free Cash Flow Margin37%10

Debt

Net Debt/EBITDAna–

Efficiency

ROE13%6

ROA1%3

Earnings Stability88

GEAR+

Not enough data to calculate the GEAR+ rating.

Value

Price Multiples

P/E Ratio (Forward)109

P/E Ratio (Forward 3y)89

P/BV1.39

EV Multiples

EV/EBITDA Fwd09

EV/EBIT Fwd09

Yield

Free Cash Flow Yield0.0%9

Dividend Yield1.5%4

Momentum

Short term

1 month return-9%3

3 month return-11%3

YTD return+14%7

Mid term

Price vs 52wHigh85%6

1 year return+11%6

Long term

3 year return+121%8

5 year return+40%5

Risk Shield

Price Risk

Beta1.04

Volatility26%8

Free Cash Flow

Free Cash Flow Margin37%10

Free Cash Flow Yield0.0%9

Quality

ROCE15%3

Earnings Stability88

Net Debt/EBITDAna–

02Growth

Is it actually growing, and how fast?

UMBFUMB Financial

Revenue FY25$2.4B

GROWTH RATING↗

——

REVENUE GROWTH▾SCORE

Revenue, last 3Y, CAGR+20%–

Revenue, next 1Yna–

Revenue, next 3Y, CAGR+11%–

Revenue, next 5Y, CAGR+8%6

EARNINGS FORECAST▾SCORE

EPS growth, FY26E+44%9

EPS growth, FY27E+5%5

EPS growth, FY28E+10%7

GROWTH ASSESSMENT

STRENGTHS

Earnings are set to grow in step with sales (EPS about 10%/yr vs revenue 11%/yr).

WATCH

Revenue is set to grow 11%/yr over the next 3 years, a little ahead of the market.6/10

Revenue grew 20%/yr over the last 3 years; forecasts see it cooling to 11%/yr.

Over five years revenue is set to grow 8%/yr, ahead of 50% of companies worldwide.6/10

WEAKNESSES

Growth is the weak spot here, trailing 100% of companies worldwide.

BOTTOM LINE

Stalled Business

Growth is a weak point here: a business that is slowing. The one thing to watch: the pace is cooling.

03Price Momentum

Is the market behind it right now?

MOMENTUM RATING↗

AVERAGE41 / 100

SHORT-TERM RETURNS▾SCORE

1-month return-9%3

3-month return-11%3

YTD return+14%7

MID & LONG-TERM▾SCORE

% of 52-week high85%6

1-year return+11%6

3-year return+121%8

5-year return+40%5

MOMENTUM ASSESSMENT

STRENGTHS

Strong long-term results. Long-term holders have seen +121% over three years and +40% over five, ahead of 60% of the market.

Strong recent results. The stock is outperforming so far this year (+14%).

WATCH

It's up 11% over the past year, but 15% below its 52-week high. That is a touch ahead of the market.

WEAKNESSES

The stock is underperforming over the past month (-9%) and over three months (-11%).

BOTTOM LINE

Long-Term Winner, Cooling Off

Multi-year returns are elite even though the latest weeks are quieter. Often a quality compounder taking a breather rather than breaking down. The one thing to watch: the stock is underperforming over the past month and over three months.

04Value

Are you paying a fair price for it?

Stop guessing on UMB Financial. Get the full investment case.

Premium

$20.75/month

Billed annually at $249/year $348

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02Growth

Is it actually growing, and how fast?

UMBFUMB Financial

Revenue FY25$2.4B

GROWTH RATING↗

——

REVENUE GROWTH▾SCORE

Revenue, last 3Y, CAGR+20%–

Revenue, next 1Yna–

Revenue, next 3Y, CAGR+11%–

Revenue, next 5Y, CAGR+8%6

EARNINGS FORECAST▾SCORE

EPS growth, FY26E+44%9

EPS growth, FY27E+5%5

EPS growth, FY28E+10%7

GROWTH ASSESSMENT

STRENGTHS

Earnings are set to grow in step with sales (EPS about 10%/yr vs revenue 11%/yr).

WATCH

Revenue is set to grow 11%/yr over the next 3 years, a little ahead of the market.6/10

Revenue grew 20%/yr over the last 3 years; forecasts see it cooling to 11%/yr.

Over five years revenue is set to grow 8%/yr, ahead of 50% of companies worldwide.6/10

WEAKNESSES

Growth is the weak spot here, trailing 100% of companies worldwide.

BOTTOM LINE

Stalled Business

Growth is a weak point here: a business that is slowing. The one thing to watch: the pace is cooling.

03Price Momentum

Is the market behind it right now?

MOMENTUM RATING↗

AVERAGE41 / 100

SHORT-TERM RETURNS▾SCORE

1-month return-9%3

3-month return-11%3

YTD return+14%7

MID & LONG-TERM▾SCORE

% of 52-week high85%6

1-year return+11%6

3-year return+121%8

5-year return+40%5

MOMENTUM ASSESSMENT

STRENGTHS

Strong long-term results. Long-term holders have seen +121% over three years and +40% over five, ahead of 60% of the market.

Strong recent results. The stock is outperforming so far this year (+14%).

WATCH

It's up 11% over the past year, but 15% below its 52-week high. That is a touch ahead of the market.

WEAKNESSES

The stock is underperforming over the past month (-9%) and over three months (-11%).

BOTTOM LINE

Long-Term Winner, Cooling Off

04Value

Are you paying a fair price for it?

Stop guessing on UMB Financial. Get the full investment case.

Premium

$20.75/month

Billed annually at $249/year $348

✓
Stock VerdictValuation and investment strategy for 4,000+ stocks. Days of hedge fund analyst research, done in 2 minutes.
✓
RadarFind your next investment idea: top-ranked stocks across all 9 Bastion strategies.
✓
Portfolio ManagerCheck if Bastion algorithms added the stock you care about to their portfolios.

Secure via Stripe

Trusted by 1,000+ investors in our community