ScoreWhy is UMB Financial Corp. ?
1
With a growth in Interest of NAN%, the company declared Outstanding results in Mar 26
- The company has declared positive results for the last 4 consecutive quarters
- NII(Q) Highest at USD 534.37 MM
- OPERATING CASH FLOW(Y) Highest at USD 1,030.08 MM
- NET SALES(HY) At USD 1,753.94 MM has Grown at 35.66%
2
With ROA of 0.75%, it has a fair valuation with a 1.19 Price to Book Value
- The stock is trading at a discount compared to its peers' average historical valuations
- Over the past year, while the stock has generated a return of 26.19%, its profits have risen by 59.2% ; the PEG ratio of the company is 5.8
3
High Institutional Holdings at 98.54%
- These investors have better capability and resources to analyse fundamentals of companies than most retail investors.
- Their stake has increased by 2.01% over the previous quarter.
Real-Time Research ReportHow much should you buy?
- Overall Portfolio exposure to UMB Financial Corp. should be less than 10%
- Overall Portfolio exposure to Major Banks should be less than 30%
(If sector exposure > 30%, please use optimiser tool to see which are the best stocks to hold in Major Banks)
When to exit? - We will constantly monitor the company and suggest at the appropriate time to exit from the stock
Is UMB Financial Corp. for you?
Medium Risk, High Return
Absolute
Risk Adjusted
Volatility
UMB Financial Corp.
27.57%
2.18
27.65%
S&P 500
24.32%
2.13
12.67%
Quality
Management Risk
Growth
Capital StructureQuality key factors
Factor
Value
Sales Growth (5y)
32.92%
EBIT Growth (5y)
12.47%
EBIT to Interest (avg)
0
Debt to EBITDA (avg)
0
Net Debt to Equity (avg)
0
Sales to Capital Employed (avg)
0
Tax Ratio
0
Dividend Payout Ratio
17.55%
Pledged Shares
0
Institutional Holding
96.53%
ROCE (avg)
0
ROE (avg)
0
ValuationValuation Key Factors 
Factor
Value
P/E Ratio
13
Industry P/E
Price to Book Value
1.19
EV to EBIT
3.85
EV to EBITDA
3.28
EV to Capital Employed
2.09
EV to Sales
0.86
PEG Ratio
5.76
Dividend Yield
1.34%
ROCE (Latest)
54.26%
ROE (Latest)
9.13%
TechnicalsTechnical key factors
Indicator
Weekly
Monthly
MACD
Mildly Bearish
Mildly Bearish
RSI
No Signal
No Signal
Bollinger Bands
Mildly Bullish
Bullish
Moving Averages
Bullish (Daily)
KST
Mildly Bearish
Mildly Bearish
Dow Theory
No Trend
Mildly Bearish
OBV
Mildly Bullish
Mildly Bullish
Technical Indicator Scale: Bearish, Mildly Bearish, Sideways, Mildly Bullish, Bullish Turned 
Financial Trend33What is working for the Company
NII(Q)
Highest at USD 534.37 MM
OPERATING CASH FLOW(Y)
Highest at USD 1,030.08 MM
NET SALES(HY)
At USD 1,753.94 MM has Grown at 35.66%
ROCE(HY)
Highest at 1.24%
DIVIDEND PER SHARE(HY)
Highest at USD 0
CREDIT DEPOSIT RATIO(HY)
Highest at 66.91%
OPERATING PROFIT(Q)
Highest at USD 328.26 MM
OPERATING PROFIT MARGIN(Q)
Highest at 37.86 %
PRE-TAX PROFIT(Q)
Highest at USD 331.28 MM
NET PROFIT(Q)
Highest at USD 261.44 MM
EPS(Q)
Highest at USD 3.35
-5What is not working for the Company
ROCE(HY)
Lowest at 1.24%
GROSS NPA (%)
(Q
DIVIDEND PAYOUT RATIO(Y)
Lowest at 12.85%
Here's what is working for UMB Financial Corp.
Pre-Tax Profit
At USD 331.28 MM has Grown at 256.02%
Year on Year (YoY)MOJO Watch
Near term Pre-Tax Profit trend is very positive
Pre-Tax Profit (USD MM)
Net Profit
At USD 261.44 MM has Grown at 221.44%
Year on Year (YoY)MOJO Watch
Near term Net Profit trend is very positive
Net Profit (USD MM)
NII
Highest at USD 534.37 MM and Grown
In each period in the last five periodsMOJO Watch
The bank's income from core business is increasing
Net NPA
Net Sales
At USD 1,753.94 MM has Grown at 35.66%
Year on Year (YoY)MOJO Watch
Near term sales trend is positive
Net Sales (USD MM)
Dividend per share
Highest at USD 0 and Grown
In each year in the last five yearsMOJO Watch
Company is distributing higher dividend from profits generated
DPS (USD)
Operating Cash Flow
Highest at USD 1,030.08 MM
in the last three yearsMOJO Watch
The company has generated higher cash revenues from business operations
Operating Cash Flows (USD MM)
Operating Profit
Highest at USD 328.26 MM
in the last five periodsMOJO Watch
Near term Operating Profit trend is positive
Operating Profit (USD MM)
Operating Profit Margin
Highest at 37.86 %
in the last five periodsMOJO Watch
Company's profit margin has improved
Operating Profit to Sales
Pre-Tax Profit
Highest at USD 331.28 MM
in the last five periodsMOJO Watch
Near term Pre-Tax Profit trend is positive
Pre-Tax Profit (USD MM)
Net Profit
Highest at USD 261.44 MM
in the last five periodsMOJO Watch
Near term Net Profit trend is positive
Net Profit (USD MM)
EPS
Highest at USD 3.35
in the last five periodsMOJO Watch
Increasing profitability; company has created higher earnings for shareholders
EPS (USD)
Credit Deposit Ratio
Highest at 66.91%
in the last four Semi-Annual periodsMOJO Watch
Bank has been creating proportionately higher loans against its deposits, thereby creating higher revenue generating assets
Credit Deposit Ratio (%)
CASA
Highest at 11.74%
in the last five periodsMOJO Watch
The Bank's capital base vs its risk assets is improving. However, the bank may not be taking adequate risk in its lending book.
CAR (%)
Here's what is not working for UMB Financial Corp.
Non Performing Loans (%)
Highest at 0.38%
in the last four Semi-Annual periodsMOJO Watch
Proportion of stressed loans given by the bank are increasing
Non Performing Loans (%)
Dividend Payout Ratio
Lowest at 12.85%
in the last five yearsMOJO Watch
Company is distributing lower proportion of profits generated as dividend
DPR (%)
InfinHub Market Technologies FZ-LLC, Building-2, Unit 112, Dubai Internet City, Dubai, United Arab Emirates
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