UMBF:NSD-UMB Financial Corporation (USD)

COMMON STOCK | Banks - Regional |

Last Closing

USD 106.75

Change

-2.11 (-1.94)%

Market Cap

USD 5.12B

Volume

0.90M

Analyst Target

USD 58.71
Analyst Rating

Verdict

ducovest Verdict

Verdict

About

UMB Financial Corporation operates as the bank holding company that provides banking services and asset servicing in the United States and internationally. The Commercial Banking segment provides commercial loans and credit card; commercial real estate financing; letters of credit; loan syndication, and consultative service; various business solutions including asset-based lending, mezzanine debt, and minority equity investment; and treasury management service, such as depository service, account reconciliation, cash management tool, accounts payable and receivable solution, electronic fund transfer and automated payment, controlled disbursement, lockbox service, and remote deposit capture service. The Institutional Banking segment offers fund, asset management, and healthcare service to institutional clients; and fund administration and accounting, investor service and transfer agency, mutual fund service, alternative investment service, fixed income sale, trading and underwriting, and corporate trust and escrow service, as well as institutional custody service. This segment also provides healthcare payment solution includes custodial service for health saving accounts and private label, multipurpose debit cards to insurance carriers, third-party administrator, software companies, employers, and financial institutions. The Personal Banking segment offers deposit account, retail credit card, private banking, installment loan, home equity line of credit, residential mortgage, as well as internet banking, ATM network, private banking, brokerage and insurance service, and investment advisory, custody, and trust services. It operates through a network of branches and offices. The company was founded in 1913 and is headquartered in Kansas City, Missouri.

Unadjusted Closing Price

Adjusted Closing Price

Share Volume

Relative Performance (Total Returns)

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Relative Returns (From:    To: 2024-09-20 )

Largest Industry Peers for Banks - Regional

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SSB SouthState Corporation

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BPOP Popular Inc

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WTFC Wintrust Financial Corporation

-1.94 (-1.76%)

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ETFs Containing UMBF

QABA First Trust NASDAQ® ABA .. 2.86 % 0.60 %

-1.24 (-2.24%)

USD 0.11B
KBWR Invesco KBW Regional Bank.. 2.21 % 0.35 %

-1.26 (-2.24%)

USD 0.05B

Market Performance

  Market Performance vs. Industry/Classification (Banks - Regional) Market Performance vs. Exchange
  Value Sector Median Percentile Rank Grade Market Median Percentile Rank Grade
YTD  
Capital Gain 27.77% 91% A- 84% B
Dividend Return 1.40% 17% F 36% F
Total Return 29.17% 91% A- 84% B
Trailing 12 Months  
Capital Gain 74.89% 97% N/A 90% A-
Dividend Return 2.56% 21% F 41% F
Total Return 77.44% 97% N/A 91% A-
Trailing 5 Years  
Capital Gain 63.03% 88% B+ 77% C+
Dividend Return 10.89% 22% F 44% F
Total Return 73.92% 88% B+ 77% C+
Average Annual (5 Year Horizon)  
Capital Gain 15.19% 84% B 73% C
Dividend Return 17.10% 83% B 74% C
Total Return 1.91% 20% F 46% F
Risk Return Profile  
Volatility (Standard Deviation) 42.10% 19% F 43% F
Risk Adjusted Return 40.61% 74% C 71% C-
Market Capitalization 5.12B 94% A 88% B+

Annual Financials (USD)

Quarterly Financials (USD)

Analyst Rating

Target Price Action Rating Action Analyst Rating Price Date

This is a composite scorecard based on the application of evaluation criteria deemed most important by analysts. This is not a buy or sell recommendation.

What to like:
Low debt

The company is less leveraged than its peers ,, and is among the top quartile, which makes it more flexible. However, do check the news and look at its sector. Sometimes this is low because the company is not growing and has no growth potential.

Superior return on equity

The company management has delivered better return on equity in the most recent 4 quarters than its peers, placing it in the top quartile.

High dividend returns

The stock has outperformed its sector peers on average annual dividend returns basis in the past 5 years (for a hold period of at least 12 months) and is in the top quartile. This can be a good buy, especially if it is outperforming on total return basis , for investors seeking high income yields.

High market capitalization

This is one of the largest entities in its sector and is among the top quartile. Such companies tend to be more stable.

Positive cash flow

The company had positive total cash flow in the most recent four quarters.

Superior Dividend Growth

This stock has shown top quartile dividend growth in the previous 5 years compared to its sector

What to not like:
Overpriced on cashflow basis

The stock is trading high compared to its peers on a price to cash flow basis. It is priced above the median for its sectors. Proceed with caution if you are considering to buy.

Overpriced compared to book value

The stock is trading high compared to its peers median on a price to book value basis.

Overpriced compared to earnings

The stock is trading high compared to its peers on a price to earning basis and is above the sector median.

Below median total returns

The company has under performed its peers on annual average total returns in the past 5 years.

High volatility

The total returns for this company are volatile and above median for its sector over the past 5 years. Make sure you have the risk tolerance for investing in such stock.