UMB Financial Valuation
| UMBF Stock | USD 109.73 0.31 0.28% |
At this time, the company appears to be undervalued. UMB Financial owns a latest Real Value of $125.6 per share. The recent price of the company is $109.73. Our model measures the value of UMB Financial from inspecting the company fundamentals such as current valuation of 9.45 B, and Return On Equity of 0.0833 as well as reviewing its technical indicators and probability of bankruptcy.
Undervalued
Today
Please note that UMB Financial's price fluctuation is very steady at this time. Calculation of the real value of UMB Financial is based on 3 months time horizon. Increasing UMB Financial's time horizon generally increases the accuracy of value calculation and significantly improves the predictive power of the methodology used.
The fair value of the UMB stock is determined by what a typical buyer is willing to pay for full or partial control of UMB Financial. Since UMB Financial is currently traded on the exchange, buyers and sellers on that exchange determine the market value of UMB Stock. However, UMB Financial's intrinsic value may or may not be the same as its current market price, in which case there is an opportunity to profit from the mispricing, assuming the market price will eventually merge with its intrinsic value. | Historical | Market 109.73 | Real 125.6 | Hype 109.73 | Naive 105.39 |
The real value of UMB Stock, also known as its intrinsic value, is the underlying worth of UMB Financial Company, which is reflected in its stock price. It is based on UMB Financial's financial performance, growth prospects, management team, or industry conditions. The intrinsic value of UMB Financial's stock can be calculated using various methods such as discounted cash flow analysis, price-to-earnings ratio, or price-to-book ratio. That value may differ from its current market price, which is determined by supply and demand factors such as investor sentiment, market trends, or news.
Estimating the potential upside or downside of UMB Financial helps investors to forecast how UMB stock's addition to their portfolios will impact the overall performance. We also use other valuation drivers to help us estimate the true value of UMB Financial more accurately as focusing exclusively on UMB Financial's fundamentals will not take into account other important factors: UMB Financial Total Value Analysis
UMB Financial is at this time forecasted to have valuation of 9.45 B with market capitalization of 8.33 B, debt of 3 B, and cash on hands of 2.87 B. Please note that valuation may be misleading and is a subject to auditing or accounting errors. We encourage investors to vigilantly validate all of the UMB Financial fundamentals before making equity appraisal based on enterprise value of the company| Takeover Price | Market Cap | Debt Obligations | Cash |
9.45 B | 8.33 B | 3 B | 2.87 B |
UMB Financial Investor Information
About 89.0% of the company outstanding shares are owned by institutional investors. The company has Price to Book (P/B) ratio of 1.28. Historically many companies with similar price-to-book (P/B) ratio do better than the market in the long run. UMB Financial has Price/Earnings To Growth (PEG) ratio of 1.73. The entity recorded earning per share (EPS) of 7.96. The firm last dividend was issued on the 10th of June 2025. UMB Financial had 2:1 split on the 31st of May 2006. UMB Financial is not in a good financial situation at this time. It has a very high probability of going through financial hardship in August.UMB Financial Asset Utilization
The concept of asset utilization usually refers to the revenue earned for every dollar of assets a company currently reports. The current return on assets of UMB implies not a very effective usage of assets in July.UMB Financial Ownership Allocation
UMB Financial secures a total of 75.92 Million outstanding shares. The majority of UMB Financial outstanding shares are owned by institutions. These other corporate entities are usually referred to as non-private investors looking to take positions in UMB Financial to benefit from reduced commissions. Therefore, outside corporations are subject to a different set of regulations than regular investors in UMB Financial. Please pay attention to any change in the institutional holdings of UMB Financial as this could imply that something significant has changed or is about to change at the company. On May 14, 2025, Representative Josh Gottheimer of US Congress acquired under $15k worth of UMB Financial's common stock.UMB Financial Profitability Analysis
The company reported the previous year's revenue of 2.64 B. Net Income was 441.24 M with profit before overhead, payroll, taxes, and interest of 1.66 B.UMB Financial Past Distributions to stockholders
| 1st of July 2025 | ||
| 1st of April 2025 | ||
| 2nd of January 2025 | ||
| 1st of October 2024 | ||
| 1st of July 2024 | ||
| 10th of June 2024 | ||
| 1st of April 2024 | ||
| 2nd of January 2024 | ||
| 2nd of October 2023 |
Please note that valuation analysis is one of the essential comprehensive assessments in business. It evaluates UMB Financial's worth, which you can determine by considering its current assets, liabilities and future cash flows. The investors' valuation analysis is an important metric that will give you a perspective on different companies. It helps you know the worth of the potential investment in UMB Financial and how it compares across the competition.
About UMB Financial Valuation
The stock valuation mechanism determines UMB Financial's current worth on a weekly basis. Our valuation model uses a comparative analysis of UMB Financial. We calculate exposure to UMB Financial's market risk, different technical and fundamental indicators, and relevant financial multiples and ratios and then compare them to those of UMB Financial's related companies.UMB Financial Corporation operates as the bank holding company for the UMB Bank that provides various banking and other financial services. The company was founded in 1913 and is headquartered in Kansas City, Missouri. Ump Financial operates under BanksRegional classification in the United States and is traded on NASDAQ Exchange. It employs 3529 people.
A single share of UMB Financial represents a small ownership stake in the entity. As a stockholder of UMB, your percentage of company ownership is determined by dividing the number of shares you own by the total number of shares outstanding and then multiplying that amount by 100. Owning stock in a company generally confers both corporate voting rights and income from any dividends paid to the stock owner.
UMB Financial Dividends Analysis For Valuation
There are various types of dividends UMB Financial can pay to its shareholders, and the actual value of the dividend is determined on a per-share basis. It is to be paid equally to all of UMB shareholders on a specific date, known as the payable date. The cash dividend is the most common type of dividend payment - it is the payment of actual cash from UMB Financial directly to its shareholders. There are other types of dividends that companies can issue, such as stock dividends or asset dividends. When UMB pays a dividend, it has no impact on its enterprise value. It does, however, lowers the Equity Value of UMB Financial by the value of the dividends paid out.
UMB Financial Growth Indicators
Investing in growth stocks can be very risky. If the company such as UMB Financial does not do well, investors take a loss on the stock when it is time to sell. Also, because growth stocks typically do not pay dividends, the only opportunity an investor has to make money on their investment is when they eventually sell their shares.
| Common Stock Shares Outstanding | 49.1 M | |
| Quarterly Earnings Growth Y O Y | -0.462 | |
| Forward Price Earnings | 12.2249 |
Complementary Tools for UMB Stock analysis
When running UMB Financial's price analysis, check to measure UMB Financial's market volatility, profitability, liquidity, solvency, efficiency, growth potential, financial leverage, and other vital indicators. We have many different tools that can be utilized to determine how healthy UMB Financial is operating at the current time. Most of UMB Financial's value examination focuses on studying past and present price action to predict the probability of UMB Financial's future price movements. You can analyze the entity against its peers and the financial market as a whole to determine factors that move UMB Financial's price. Additionally, you may evaluate how the addition of UMB Financial to your portfolios can decrease your overall portfolio volatility.
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