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

Old National Bancorp

UMB Financial Corp.

KeyCorp

Valley National Bancorp

Cadence Bank

BOK Financial Corp.

Credicorp Ltd.

F.N.B. Corp. (Pennsylvania)

First Financial Bankshares, Inc.

Zions Bancorporation, NA

Comerica, Inc.

Why is UMB Financial Corp. ?

With a growth in Interest of NAN%, the company declared Very Positive results in Dec 25

NII(Q) Highest at USD 522.5 MM
OPERATING CASH FLOW(Y) Highest at USD 927.89 MM
ROCE(HY) Highest at 1.14%

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 6.98%, its profits have risen by 59.2% ; the PEG ratio of the company is 5.8

High Institutional Holdings at 96.53%

These investors have better capability and resources to analyse fundamentals of companies than most retail investors.

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.

6.98%

1.11

32.21%

S&P 500

13.67%

0.62

19.30%

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)

12.53%

EBIT to Interest (avg)

Debt to EBITDA (avg)

Net Debt to Equity (avg)

Sales to Capital Employed (avg)

Tax Ratio

Dividend Payout Ratio

17.55%

Pledged Shares

Institutional Holding

96.53%

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

1.19

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%

Technicals

Technical key factors

Indicator

Weekly

Monthly

MACD

Bearish

Mildly Bearish

RSI

No Signal

Bollinger Bands

Bearish

Moving Averages

Mildly Bullish (Daily)

KST

Mildly Bearish

Dow Theory

Mildly Bearish

Bullish

OBV

Mildly Bullish

Mildly Bearish

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

30What is working for the Company

NII(Q)

Highest at USD 522.5 MM

OPERATING CASH FLOW(Y)

Highest at USD 927.89 MM

ROCE(HY)

Highest at 1.14%

DIVIDEND PER SHARE(HY)

Highest at USD 0

NET SALES(Q)

Highest at USD 886.88 MM

OPERATING PROFIT(Q)

Highest at USD 268.15 MM

PRE-TAX PROFIT(Q)

At USD 270.31 MM has Grown at 86.65%

NET PROFIT(Q)

At USD 215.35 MM has Grown at 79.47%

-7What is not working for the Company

INTEREST(9M)

At USD 1,151.74 MM has Grown at 29.48%

ROCE(HY)

Lowest at 1.14%

GROSS NPA (%)

DIVIDEND PAYOUT RATIO(Y)

Lowest at 15.69%

Here's what is working for UMB Financial Corp.

NII

Highest at USD 522.5 MM and Grown

In each period in the last five periods

MOJO Watch

The bank's income from core business is increasing

Net NPA

Net Sales

Highest at USD 886.88 MM and Grown

In each period in the last five periods

MOJO Watch

Near term sales trend is very positive

Net Sales (USD MM)

Net Sales

At USD 886.88 MM has Grown at 59.81%

Year on Year (YoY)

MOJO Watch

Near term sales trend is very positive

Net Sales (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 Cash Flow

Highest at USD 927.89 MM

in the last three years

MOJO Watch

The company has generated higher cash revenues from business operations

Operating Cash Flows (USD MM)

Operating Profit

Highest at USD 268.15 MM

in the last five periods

MOJO Watch

Near term Operating Profit trend is positive

Operating Profit (USD MM)

Pre-Tax Profit

At USD 270.31 MM has Grown at 86.65%

Year on Year (YoY)

MOJO Watch

Near term Pre-Tax Profit trend is positive

Pre-Tax Profit (USD MM)

Net Profit

At USD 215.35 MM has Grown at 79.47%

Year on Year (YoY)

MOJO Watch

Near term Net Profit trend is positive

Net Profit (USD MM)

CASA

Highest at 11.55%

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.

Non Performing Loans (%)

Highest at 0.42%

in the last four Semi-Annual periods

MOJO Watch

Proportion of stressed loans given by the bank are increasing

Non Performing Loans (%)

Interest

At USD 1,151.74 MM has Grown at 29.48%

over previous Semi-Annual period

MOJO Watch

Rising interest cost signifies increased borrowings

Interest Paid (USD MM)

Dividend Payout Ratio

Lowest at 15.69%

in the last five years

MOJO Watch

Company is distributing lower proportion of profits generated as dividend

DPR (%)