UMBF:NSD-UMB Financial Corporation (USD)

COMMON STOCK | Banks - Regional |

Last Closing

USD 102.36

Change

+0.42 (+0.41)%

Market Cap

USD 7.97B

Volume

0.35M

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)

Compare
Relative Returns (From:    To: 2025-03-18 )

Largest Industry Peers for Banks - Regional

Symbol Name Price(Change) Market Cap
FITB Fifth Third Bancorp

-0.10 (-0.26%)

USD 29.21B
FCNCA First Citizens BancShares Inc

-1.51 (-0.08%)

USD 27.49B
FITBI Fifth Third Bancorp

-0.01 (-0.04%)

USD 18.29B
EWBC East West Bancorp Inc

-0.60 (-0.68%)

USD 13.07B
GGAL Grupo Financiero Galicia SA AD..

-3.49 (-5.99%)

USD 10.66B
SSB SouthState Corporation

-0.12 (-0.13%)

USD 10.22B
PNFP Pinnacle Financial Partners In..

+0.72 (+0.69%)

USD 8.84B
CBSH Commerce Bancshares Inc

+0.03 (+0.05%)

USD 8.74B
WTFC Wintrust Financial Corporation

-0.51 (-0.45%)

USD 8.28B
ZION Zions Bancorporation

-0.65 (-1.33%)

USD 8.15B

ETFs Containing UMBF

RFLR Innovator ETFs Trust 0.30 % 0.00 %

-0.11 (-0.46%)

USD 0.01B
DFAS Dimensional U.S. Small Ca.. 0.26 % 0.00 %

-0.42 (-0.46%)

USD 9.28B
QABA First Trust NASDAQ® ABA .. 0.00 % 0.60 %

-0.04 (-0.46%)

USD 0.13B
PSC Principal U.S. Small-Cap .. 0.00 % 0.38 %

-0.38 (-0.46%)

USD 0.75B

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 -9.30% 22% F 41% F
Dividend Return N/A N/A N/A N/A N/A
Total Return -9.30% 21% F 41% F
Trailing 12 Months  
Capital Gain 28.79% 71% C- 83% B
Dividend Return 1.48% 13% F 31% F
Total Return 30.27% 68% D+ 83% B
Trailing 5 Years  
Capital Gain 117.79% 80% B- 74% C
Dividend Return 14.70% 18% F 37% F
Total Return 132.49% 79% B- 73% C
Average Annual (5 Year Horizon)  
Capital Gain 18.77% 82% B 73% C
Dividend Return 20.64% 81% B- 74% C
Total Return 1.86% 19% F 46% F
Risk Return Profile  
Volatility (Standard Deviation) 42.90% 17% F 44% F
Risk Adjusted Return 48.11% 65% D 76% C+
Market Capitalization 7.97B 96% N/A 91% A-

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:
Superior capital utilization

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

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 Revenue Growth

This stock has shown top quartile revenue 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.

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.