UMB Financial Corporation (UMBF)
UMB Financial Statistics
Share Statistics
UMB Financial has 72.66M shares outstanding. The number of shares has increased by 49.05% in one year.
| Shares Outstanding | 72.66M |
| Shares Change (YoY) | 49.05% |
| Shares Change (QoQ) | 48.89% |
| Owned by Institutions (%) | 99.99% |
| Shares Floating | 67.94M |
| Failed to Deliver (FTD) Shares | 15 |
| FTD / Avg. Volume | < 0.01% |
Short Selling Information
The latest short interest is 2M, so 2.75% of the outstanding shares have been sold short.
| Short Interest | 2M |
| Short % of Shares Out | 2.75% |
| Short % of Float | 2.88% |
| Short Ratio (days to cover) | 3.28 |
Valuation Ratios
The PE ratio is 12.47 and the forward PE ratio is 8.05. UMB Financial's PEG ratio is 0.49.
| PE Ratio | 12.47 |
| Forward PE | 8.05 |
| PS Ratio | 2.53 |
| Forward PS | 2.3 |
| PB Ratio | 1.59 |
| P/FCF Ratio | 59.13 |
| PEG Ratio | 0.49 |
Enterprise Valuation
UMB Financial has an Enterprise Value (EV) of 5.31B.
| EV / Sales | 2.45 |
| EV / EBITDA | 0 |
| EV / EBIT | 57.11 |
| EV / FCF | 57.11 |
Financial Position
The company has a current ratio of 0, with a Debt / Equity ratio of 0.11.
| Current Ratio | 0 |
| Quick Ratio | 0 |
| Debt / Equity | 0.11 |
| Debt / EBITDA | - |
| Debt / FCF | 4.14 |
| Interest Coverage | 1.83 |
Financial Efficiency
Return on Equity is 12.73% and Return on Invested Capital is 163.85%.
| Return on Equity | 12.73% |
| Return on Assets | 0.88% |
| Return on Invested Capital | 163.85% |
| Revenue Per Employee | $587.08K |
| Profits Per Employee | $119.32K |
| Employee Count | 3,698 |
| Asset Turnover | 0.04 |
| Inventory Turnover | n/a |
Taxes
| Income Tax | 100.03M |
| Effective Tax Rate | 18.48% |
Stock Price Statistics
The stock price has increased by 14.07% in the last 52 weeks. The beta is 0.72, so UMB Financial's price volatility has been higher than the market average.
| Beta | 0.72 |
| 52-Week Price Change | 14.07% |
| 50-Day Moving Average | 103.25 |
| 200-Day Moving Average | 106.7 |
| Relative Strength Index (RSI) | 40.37 |
| Average Volume (20 Days) | 785.22K |
Income Statement
In the last 12 months, UMB Financial had revenue of 2.17B and earned 441.24M in profits. Earnings per share was 9.05.
| Revenue | 2.17B |
| Gross Profit | 2.17B |
| Operating Income | 2.14B |
| Net Income | 441.24M |
| EBITDA | 0 |
| EBIT | -52.77M |
| Earnings Per Share (EPS) | 9.05 |
Balance Sheet
The company has 573.17M in cash and 385.29M in debt, giving a net cash position of 187.88M.
| Cash & Cash Equivalents | 573.17M |
| Total Debt | 385.29M |
| Net Cash | 187.88M |
| Retained Earnings | 3.17B |
| Total Assets | 50.41B |
| Working Capital | 573.17M |
Cash Flow
In the last 12 months, operating cash flow was 93.05M and capital expenditures 0, giving a free cash flow of 93.05M.
| Operating Cash Flow | 93.05M |
| Capital Expenditures | 0 |
| Free Cash Flow | 93.05M |
| FCF Per Share | 1.91 |
Margins
Gross margin is 100%, with operating and profit margins of 98.69% and 20.32%.
| Gross Margin | 100% |
| Operating Margin | 98.69% |
| Pretax Margin | 24.93% |
| Profit Margin | 20.32% |
| EBITDA Margin | n/a |
| EBIT Margin | 98.69% |
| FCF Margin | 4.29% |
Dividends & Yields
UMBF pays an annual dividend of $1.97, which amounts to a dividend yield of 1.6%.
| Dividend Per Share | $1.97 |
| Dividend Yield | 1.6% |
| Dividend Growth (YoY) | 2.56% |
| Payout Ratio | 21.91% |
| Earnings Yield | 8.02% |
| FCF Yield | 1.69% |
Analyst Forecast
The average price target for UMBF is $127, which is 40.1% higher than the current price. The consensus rating is "Buy".
| Price Target | $127 |
| Price Target Difference | 40.1% |
| Analyst Consensus | Buy |
| Analyst Count | 7 |
Stock Splits
The last stock split was on May 31, 2006. It was a forward split with a ratio of 2:1.
| Last Split Date | May 31, 2006 |
| Split Type | forward |
| Split Ratio | 2:1 |
Scores
| Altman Z-Score | 0.24 |
| Piotroski F-Score | 5 |