UMB Financial Corporation (UMBF): Price and Financial Metrics

UMBF POWR Grades

• Stability is the dimension where UMBF ranks best; there it ranks ahead of 66.32% of US stocks.
• The strongest trend for UMBF is in Stability, which has been heading down over the past 47 weeks.
• UMBF's current lowest rank is in the Growth metric (where it is better than 26.2% of US stocks).

UMBF Stock Summary

• Equity multiplier, or assets relative to shareholders' equity, comes in at 11.3 for Umb Financial Corp; that's greater than it is for 93.83% of US stocks.
• With a year-over-year growth in debt of 49%, Umb Financial Corp's debt growth rate surpasses 86.28% of about US stocks.
• Umb Financial Corp's shareholder yield -- a measure of how much capital is returned to stockholders via dividends and buybacks -- is -21.83%, greater than the shareholder yield of merely 11.96% of stocks in our set.
• If you're looking for stocks that are quantitatively similar to Umb Financial Corp, a group of peers worth examining would be PWOD, PBHC, HAFC, LBAI, and BANR.
• UMBF's SEC filings can be seen here. And to visit Umb Financial Corp's official web site, go to www.umb.com.

UMBF Valuation Summary

• UMBF's price/earnings ratio is 10.7; this is 2.73% lower than that of the median Financial Services stock.
• UMBF's EV/EBIT ratio has moved up 5.5 over the prior 243 months.
• Over the past 243 months, UMBF's price/sales ratio has gone up 2.5.

Below are key valuation metrics over time for UMBF.

UMBF Growth Metrics

• Its 4 year net income to common stockholders growth rate is now at 53.87%.
• Its 2 year cash and equivalents growth rate is now at 107.25%.
• Its 2 year revenue growth rate is now at 3.51%.

UMBF's revenue has moved up $339,551,000 over the prior 33 months.

The table below shows UMBF's growth in key financial areas (numbers in millions of US dollars).

Date	Revenue	Operating Cash Flow	Net Income to Common Stock
2021-06-30	1,318.517	449.17	409.467
2021-03-31	1,287.042	480.18	382.584
2020-12-31	1,160.895	373.598	286.502
2020-09-30	1,023.648	366.548	196.697
2020-06-30	1,006.663	309.145	185.987
2020-03-31	990.29	304.578	182.417

UMBF's Quality Factors

The “Quality” component of the POWR Ratings focuses on 31 different factors of a companies fundamentals and operational strength. Here are some key insights as we drill into the specifics of these quality attributes.

• UMBF has a Quality Grade of C, ranking ahead of 29.64% of graded US stocks.
• UMBF's asset turnover comes in at 0.039 -- ranking 191st of 436 Banking stocks.
• PVBC, FBK, and RNST are the stocks whose asset turnover ratios are most correlated with UMBF.

The table below shows UMBF's key quality metrics over time.