UMB Financial Corp. (UMBF) Stock Recommendation | Score, Valuation, Technicals & Financial Trend

Score

Click here to find our call on this stock

Strong Sell

Sell

Hold

Buy

Strong Buy

Comparison

Company

Score

Quality

Valuation

Financial

Technical

UMB Financial Corp.

Old National Bancorp

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F.N.B. Corp. (Pennsylvania)

First Financial Bankshares, Inc.

Credicorp Ltd.

Valley National Bancorp

KeyCorp

BOK Financial Corp.

Comerica, Inc.

Why is UMB Financial Corp. ?

With a growth in Interest of NAN%, the company declared Very Positive results in Jun 26

The company has declared positive results for the last 5 consecutive quarters
OPERATING CASH FLOW(Y) Highest at USD 1,151.63 MM
ROCE(HY) Highest at 1.31%
DIVIDEND PER SHARE(HY) Highest at USD 0

With ROA of 0.75%, it has a attractive valuation with a 1.17 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 8.33%, its profits have risen by 59.2% ; the PEG ratio of the company is 5.7

High Institutional Holdings at 100%

These investors have better capability and resources to analyse fundamentals of companies than most retail investors.
Their stake has increased by 1.46% over the previous quarter.

Real-Time Research Report

Verdict Report

How 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.

8.33%

2.53

26.69%

S&P 500

15.36%

1.17

13.09%

Quality

Management Risk

Growth

Capital Structure

Quality grade scale :

Below Average, Average, Good, Excellent

Quality key factors

Factor

Value

Sales Growth (5y)

32.92%

EBIT Growth (5y)

12.47%

EBIT to Interest (avg)

Debt to EBITDA (avg)

Net Debt to Equity (avg)

Sales to Capital Employed (avg)

Tax Ratio

Dividend Payout Ratio

17.54%

Pledged Shares

Institutional Holding

98.54%

ROCE (avg)

ROE (avg)

Valuation

Valuation Scorecard

Valuation grade scale :

Very Risky, Risky, Very Expensive, Expensive, Fair, Attractive, Very Attractive

Valuation Key Factors

Factor

Value

P/E Ratio

Industry P/E

Price to Book Value

1.17

EV to EBIT

3.32

EV to EBITDA

2.80

EV to Capital Employed

2.19

EV to Sales

0.73

PEG Ratio

5.65

Dividend Yield

1.37%

ROCE (Latest)

65.89%

ROE (Latest)

9.13%

Technicals

Technical key factors

Indicator

Weekly

Monthly

MACD

Mildly Bearish

RSI

No Signal

Bollinger Bands

Mildly Bullish

Bullish

Moving Averages

Bullish (Daily)

KST

Mildly Bearish

Dow Theory

No Trend

Mildly Bearish

OBV

Mildly Bullish

Technical Indicator Scale: Bearish, Mildly Bearish, Sideways, Mildly Bullish, Bullish Turned

Technical Movement

Analyse All Technical Factors

Financial Trend

Financial Trend Scorecard

Financial Trend scale:

Very Negative, Negative, Flat, Positive, Very Positive, Outstanding

19What is working for the Company

OPERATING CASH FLOW(Y)

Highest at USD 1,151.63 MM

ROCE(HY)

Highest at 1.31%

DIVIDEND PER SHARE(HY)

Highest at USD 0

CREDIT DEPOSIT RATIO(HY)

Highest at 68.85%

OPERATING PROFIT(Q)

Highest at USD 331.91 MM

OPERATING PROFIT MARGIN(Q)

Highest at 38.09 %

PRE-TAX PROFIT(Q)

Highest at USD 350.4 MM

NET PROFIT(Q)

Highest at USD 277.57 MM

EPS(Q)

Highest at USD 3.56

-3What is not working for the Company

ROCE(HY)

Lowest at 1.31%

DIVIDEND PAYOUT RATIO(Y)

Lowest at 12.09%

Here's what is working for UMB Financial Corp.

Operating Cash Flow

Highest at USD 1,151.63 MM and Grown

In each year in the last three years

MOJO Watch

The company has generated higher cash revenues from business operations

Operating Cash Flows (USD MM)

Dividend per share

Highest at USD 0 and Grown

In each year in the last five years

MOJO Watch

Company is distributing higher dividend from profits generated

DPS (USD)

Operating Profit

Highest at USD 331.91 MM

in the last five periods

MOJO Watch

Near term Operating Profit trend is positive

Operating Profit (USD MM)

Operating Profit Margin

Highest at 38.09 %

in the last five periods

MOJO Watch

Company's profit margin has improved

Operating Profit to Sales

Pre-Tax Profit

Highest at USD 350.4 MM

in the last five periods

MOJO Watch

Near term Pre-Tax Profit trend is positive

Pre-Tax Profit (USD MM)

Net Profit

Highest at USD 277.57 MM

in the last five periods

MOJO Watch

Near term Net Profit trend is positive

Net Profit (USD MM)

EPS

Highest at USD 3.56

in the last five periods

MOJO Watch

Increasing profitability; company has created higher earnings for shareholders

EPS (USD)

Credit Deposit Ratio

Highest at 68.85%

in the last four Semi-Annual periods

MOJO Watch

Bank has been creating proportionately higher loans against its deposits, thereby creating higher revenue generating assets

Credit Deposit Ratio (%)

CASA

Highest at 12.02%

in the last five periods

MOJO 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.

Dividend Payout Ratio

Lowest at 12.09%

in the last five years

MOJO Watch

Company is distributing lower proportion of profits generated as dividend

DPR (%)