ScoreWhy is UMB Financial Corp. ?
1
With a growth in Interest of NAN%, the company declared Very Positive results in Jun 25
- NII(Q) Highest at USD 467.02 MM
- OPERATING CASH FLOW(Y) Highest at USD 606.17 MM
- DIVIDEND PER SHARE(HY) Highest at USD 0
2
With ROA of 0.46%, it has a fair valuation with a 1.28 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 -12.07%, its profits have risen by 12.1%
3
High Institutional Holdings at 94.14%
- These investors have better capability and resources to analyse fundamentals of companies than most retail investors.
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.
-8.07%
1.24
32.05%
S&P 500
13.22%
0.61
20.17%
Quality
Management Risk
Growth
Capital StructureQuality key factors
Factor
Value
Sales Growth (5y)
26.34%
EBIT Growth (5y)
16.23%
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
17.46%
Pledged Shares
0
Institutional Holding
94.14%
ROCE (avg)
0
ROE (avg)
0
ValuationValuation Key Factors 
Factor
Value
P/E Ratio
21
Industry P/E
Price to Book Value
1.28
EV to EBIT
-0.96
EV to EBITDA
-0.85
EV to Capital Employed
0.18
EV to Sales
-0.18
PEG Ratio
NA
Dividend Yield
0.89%
ROCE (Latest)
-18.96%
ROE (Latest)
6.11%
TechnicalsTechnical key factors
Indicator
Weekly
Monthly
MACD
Mildly Bearish
Mildly Bearish
RSI
No Signal
No Signal
Bollinger Bands
Mildly Bearish
Bullish
Moving Averages
Mildly Bullish (Daily)
KST
Mildly Bearish
Mildly Bearish
Dow Theory
Mildly Bullish
Mildly Bearish
OBV
Mildly Bearish
Mildly Bearish
Technical Indicator Scale: Bearish, Mildly Bearish, Sideways, Mildly Bullish, Bullish Turned 
Financial Trend29What is working for the Company
NII(Q)
Highest at USD 467.02 MM
OPERATING CASH FLOW(Y)
Highest at USD 606.17 MM
DIVIDEND PER SHARE(HY)
Highest at USD 0
CASH AND EQV(HY)
Highest at USD 21,605.96 MM
NET SALES(Q)
Highest at USD 850.54 MM
OPERATING PROFIT(Q)
Highest at USD 266.77 MM
OPERATING PROFIT MARGIN(Q)
Highest at 31.36 %
PRE-TAX PROFIT(Q)
Highest at USD 275.04 MM
NET PROFIT(Q)
Highest at USD 217.39 MM
EPS(Q)
Highest at USD 2.83
0What is not working for the Company
NO KEY NEGATIVE TRIGGERS
Here's what is working for UMB Financial Corp.
NII
Highest at USD 467.02 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 850.54 MM has Grown at 58.01%
Year on Year (YoY)MOJO Watch
Near term sales trend is very positive
Net Sales (USD MM)
Pre-Tax Profit
At USD 275.04 MM has Grown at 116.72%
Year on Year (YoY)MOJO Watch
Near term Pre-Tax Profit trend is very positive
Pre-Tax Profit (USD MM)
Net Profit
At USD 217.39 MM has Grown at 114.51%
Year on Year (YoY)MOJO Watch
Near term Net Profit trend is very positive
Net Profit (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 606.17 MM
in the last three yearsMOJO Watch
The company has generated higher cash revenues from business operations
Operating Cash Flows (USD MM)
Net Sales
Highest at USD 850.54 MM
in the last five periodsMOJO Watch
Near term sales trend is positive
Net Sales (USD MM)
Operating Profit
Highest at USD 266.77 MM
in the last five periodsMOJO Watch
Near term Operating Profit trend is positive
Operating Profit (USD MM)
Operating Profit Margin
Highest at 31.36 %
in the last five periodsMOJO Watch
Company's profit margin has improved
Operating Profit to Sales
Pre-Tax Profit
Highest at USD 275.04 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 217.39 MM
in the last five periodsMOJO Watch
Near term Net Profit trend is positive
Net Profit (USD MM)
EPS
Highest at USD 2.83
in the last five periodsMOJO Watch
Increasing profitability; company has created higher earnings for shareholders
EPS (USD)
Cash and Eqv
Highest at USD 21,605.96 MM
in the last six Semi-Annual periodsMOJO Watch
Short Term liquidity is improving
Cash and Cash Equivalents
Depreciation
Highest at USD 37.99 MM
in the last five periodsMOJO Watch
The expenditure on assets done by the company may have gone into operation
Depreciation (USD MM)
Depreciation
At USD 37.99 MM has Grown at 29.38%
period on period (QoQ)MOJO Watch
The expenditure on assets done by the company has gone into productive use which should positively reflect in the future sales
Depreciation (USD MM)
InfinHub Market Technologies FZ-LLC, Building-2, Unit 112, Dubai Internet City, Dubai, United Arab Emirates
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