UMB Financial Corporation (UMBF) 10-Year Financial Performance & Capital Metrics

UMBF • • Banking & Credit

Financial ServicesRegional BanksCommercial & Business BankingCommercial & Corporate Banking

AboutUMB Financial Corporation operates as the bank holding company for the UMB Bank that provides various banking and other financial services. 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, accounts receivable financing, 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 asset management and healthcare service provided to institutional client; and fund administration and accounting, investor service and transfer agency, marketing and distribution, custody, 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, and small business loan, as well as internet banking, ATM network, private banking, brokerage and insurance service, and advisory and trust service. It operates through a network of branches and offices in the states of Missouri, Kansas, Colorado, Illinois, Oklahoma, Texas, Arizona, Nebraska, Iowa, Pennsylvania, South Dakota, Indiana, Utah, Minnesota, California, and Wisconsin. The company was founded in 1913 and is headquartered in Kansas City, Missouri.Show more

Net Interest Income $1B +8.8%
Total Revenue $2.64B +17.5%
Net Income $441M +26.1%
Return on Equity 13.44% +10.7%
Net Interest Margin 1.99% -5.0%
Efficiency Ratio 32.78% -14.7%
ROA 0.93% +10.2%
Equity / Assets 6.88% -2.4%
Book Value per Share 70.66 +11.1%
Tangible BV/Share 64.79 +13.2%
Debt/Equity 0.86 -23.5%

Technical Analysis

Key Insights

Based on financial data analysis

✓Strengths

✓Efficient operations: 32.8% efficiency ratio
✓16 consecutive years of dividend growth
✓Trading near 52-week high

✗Weaknesses

✗Weak NIM of 2.0%

Price & Volume

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Growth Metrics

Revenue CAGR

10Y12.85%

5Y16.67%

3Y28.53%

TTM-

Profit (Net Income) CAGR

10Y13.84%

5Y12.62%

3Y7.72%

TTM54.79%

EPS CAGR

10Y12.99%

5Y12.63%

3Y7.48%

TTM12.13%

ROCE

10Y Avg10.86%

5Y Avg12.11%

3Y Avg12.53%

Latest12.03%

Peer Comparison

Commercial & Corporate Banking

Name	Market Cap	Current Price	P/E Ratio	Revenue Growth 1Y	Net Margin	ROE	FCF Yield	Debt/Equity
TCBITexas Capital Bancshares, Inc.	4.49B	98.37	76.85	-1.72%	4.4%	7.92%	9.27%	0.46
BANCBanc of California, Inc.	3.15B	20.87	40.13	24.65%	6.78%	6.01%	2.04%	0.67
DBDeutsche Bank AG	74.26B	38.87	28.37	11.78%	5.07%	7.18%		1.91
HTHHilltop Holdings Inc.	2.2B	35.83	20.59	2.5%	7.35%	7.2%	12.14%	0.61
SFBSServisFirst Bancshares, Inc.	4.28B	78.31	18.82	17.89%	23.26%	14.33%	5.8%	1.27
CMAComerica Incorporated	11.69B	91.51	18.23	-4.95%	13.98%	10.57%	3.83%	1.02
BOKFBOK Financial Corporation	8.08B	127.69	15.69	10.4%	15.57%	8.91%	15.59%	0.80
CNOBConnectOne Bancorp, Inc.	1.37B	27.26	15.49	6.06%	13.8%	3.98%	4.15%	0.63

Profit & Loss

	Dec 2015	Dec 2016	Dec 2017	Dec 2018	Dec 2019	Dec 2020	Dec 2021	Dec 2022	Dec 2023	Dec 2024
Net Interest Income+	412.07M	495.32M	558.91M	610.45M	670.9M	731.23M	815.52M	913.8M	920.12M	1B
NII Growth %	0.18%	0.2%	0.13%	0.09%	0.1%	0.09%	0.12%	0.12%	0.01%	0.09%
Net Interest Margin %	-	-	-	-	-	-	-	-	-	-
Interest Income	430.68M	523.03M	616.91M	731.96M	862.89M	808.49M	861.52M	1.14B	1.84B	2.17B
Interest Expense	18.61M	27.71M	58M	121.52M	191.99M	77.26M	46M	223.72M	918.59M	1.17B
Loan Loss Provision	15.5M	32.5M	41M	70.75M	32.85M	130.5M	20M	37.9M	41.23M	61.05M
Non-Interest Income+	314.22M	345.75M	361.76M	337.21M	356.82M	487M	380.47M	445.64M	405.79M	465.95M
Non-Interest Income %	-	-	-	-	-	-	-	-	-	-
Total Revenue+	744.9M	868.78M	978.67M	1.07B	1.22B	1.3B	1.24B	1.58B	2.24B	2.64B
Revenue Growth %	-0.05%	0.17%	0.13%	0.09%	0.14%	0.06%	-0.04%	0.27%	0.42%	0.17%
Non-Interest Expense	582.5M	609.98M	643.33M	653.31M	708.91M	748.84M	746.93M	789.52M	863.07M	864.52M
Efficiency Ratio	-	-	-	-	-	-	-	-	-	-
Operating Income+	128.29M	198.59M	236.35M	223.59M	285.96M	338.89M	429.06M	532.01M	421.6M	541.27M
Operating Margin %	-	-	-	-	-	-	-	-	-	-
Operating Income Growth %	-0.5%	0.55%	0.19%	-0.05%	0.28%	0.19%	0.27%	0.24%	-0.21%	0.28%
Pretax Income+	128.29M	198.59M	236.35M	223.59M	285.96M	338.89M	429.06M	532.01M	421.6M	541.27M
Pretax Margin %	-	-	-	-	-	-	-	-	-	-
Income Tax+	31.73M	44.95M	53.37M	27.33M	42.37M	52.39M	76.04M	100.33M	71.58M	100.03M
Effective Tax Rate %	-	-	-	-	-	-	-	-	-	-
Net Income+	116.07M	158.8M	247.1M	195.51M	243.6M	286.5M	353.02M	431.68M	350.02M	441.24M
Net Margin %	-	-	-	-	-	-	-	-	-	-
Net Income Growth %	-0.04%	0.37%	0.56%	-0.21%	0.25%	0.18%	0.23%	0.22%	-0.19%	0.26%
Net Income (Continuing)	96.56M	153.63M	182.98M	196.26M	243.6M	286.5M	353.02M	431.68M	350.02M	441.24M
EPS (Diluted)+	2.44	3.22	4.96	3.93	4.96	5.93	7.24	8.86	7.18	8.99
EPS Growth %	-0.08%	0.32%	0.54%	-0.21%	0.26%	0.2%	0.22%	0.22%	-0.19%	0.25%
EPS (Basic)	2.46	3.25	5.02	3.96	4.99	5.95	7.31	8.93	7.22	9.05
Diluted Shares Outstanding	47.58M	49.28M	49.84M	49.77M	49.09M	48.34M	48.74M	48.75M	48.76M	49.06M

Balance Sheet

	Dec 2015	Dec 2016	Dec 2017	Dec 2018	Dec 2019	Dec 2020	Dec 2021	Dec 2022	Dec 2023	Dec 2024
Cash & Short Term Investments+	1000K	1000K	1000K	1000K	1000K	1000K	1000K	1000K	1000K	1000K
Cash & Due from Banks	981.09M	1.14B	1.74B	1.69B	1.7B	3.54B	9.26B	1.68B	5.61B	8.56B
Short Term Investments	1000K	1000K	1000K	1000K	1000K	1000K	1000K	1000K	1000K	1000K
Total Investments+	16.85B	18.12B	18.74B	19.86B	21.97B	26.28B	30.44B	33.71B	35.82B	38.79B
Investments Growth %	0.15%	0.08%	0.03%	0.06%	0.11%	0.2%	0.16%	0.11%	0.06%	0.08%
Long-Term Investments	10.04B	11.65B	12.48B	13.32B	14.53B	16.98B	18.47B	26.71B	28.75B	31.01B
Accounts Receivables	0	0	0	0	0	0	0	0	0	0
Goodwill & Intangibles+	-	-	-	-	-	-	-	-	-	-
Goodwill	228.35M	180.87M	180.87M	180.87M	180.87M	180.87M	174.52M	207.38M	207.38M	207.38M
Intangible Assets	95.57M	82.49M	73.08M	70.79M	93.3M	85.23M	67.17M	124.41M	101.42M	80.78M
PP&E (Net)	232.68M	233.14M	223.12M	228.09M	234.63M	228.92M	218.18M	217.96M	211.29M	204.64M
Other Assets	576.97M	789.07M	684.31M	1.2B	2.25B	2.48B	2.12B	2.08B	1.54B	2.15B
Total Current Assets	7.92B	7.74B	8.13B	8.35B	9.27B	13.17B	21.64B	9.18B	13.2B	16.76B
Total Non-Current Assets	11.17B	12.94B	13.65B	15B	17.29B	19.96B	21.05B	29.33B	30.82B	33.65B
Total Assets+	19.09B	20.68B	21.77B	23.35B	26.56B	33.13B	42.69B	38.51B	44.01B	50.41B
Asset Growth %	0.09%	0.08%	0.05%	0.07%	0.14%	0.25%	0.29%	-0.1%	0.14%	0.15%
Return on Assets (ROA)	0.01%	0.01%	0.01%	0.01%	0.01%	0.01%	0.01%	0.01%	0.01%	0.01%
Accounts Payable	0	0	0	0	0	0	0	0	0	0
Total Debt+	1.91B	1.93B	1.34B	1.6B	1.97B	2.59B	3.51B	2.6B	3.5B	3B
Net Debt	928.05M	795.77M	-404.5M	-91.36M	268.43M	-955.59M	-5.75B	923.69M	-2.1B	-5.56B
Long-Term Debt	86.07M	76.77M	79.28M	82.67M	70.37M	269.6M	271.54M	381.31M	383.25M	385.29M
Short-Term Debt	1.82B	1.86B	1.26B	1.52B	1.9B	2.32B	3.24B	2.22B	3.12B	2.61B
Other Liabilities	37.41M	42.86M	35.6M	62.07M	152.59M	154.54M	188.66M	363.13M	1.23B	437.63M
Total Current Liabilities	17.08B	18.6B	19.48B	20.98B	23.73B	29.69B	39.09B	35.1B	39.3B	46.12B
Total Non-Current Liabilities	123.48M	119.63M	114.88M	144.74M	222.96M	424.13M	460.21M	744.44M	1.61B	822.92M
Total Liabilities	17.2B	18.72B	19.59B	21.12B	23.95B	30.11B	39.55B	35.85B	40.91B	46.94B
Total Equity+	1.89B	1.96B	2.18B	2.23B	2.61B	3.02B	3.15B	2.67B	3.1B	3.47B
Equity Growth %	0.15%	0.04%	0.11%	0.02%	0.17%	0.16%	0.04%	-0.15%	0.16%	0.12%
Equity / Assets (Capital Ratio)	-	-	-	-	-	-	-	-	-	-
Return on Equity (ROE)	0.07%	0.08%	0.12%	0.09%	0.1%	0.1%	0.11%	0.15%	0.12%	0.13%
Book Value per Share	39.80	39.82	43.77	44.77	53.10	62.41	64.54	54.71	63.58	70.66
Tangible BV per Share	-	-	-	-	-	-	-	-	-	-
Common Stock	55.06M	55.06M	55.06M	55.06M	55.06M	55.06M	55.06M	55.06M	55.06M	55.06M
Additional Paid-in Capital	1.02B	1.03B	1.05B	1.05B	1.07B	1.09B	1.11B	1.13B	1.13B	1.15B
Retained Earnings	1.03B	1.14B	1.34B	1.49B	1.67B	1.89B	2.18B	2.54B	2.81B	3.17B
Accumulated OCI	-3.72M	-57.54M	-45.52M	-95.78M	83.18M	318.34M	126.31M	-702.74M	-556.93M	-573.05M
Treasury Stock	-211.52M	-211.44M	-212.21M	-273.83M	-278M	-338.14M	-323.46M	-347.26M	-342.89M	-336.05M
Preferred Stock	0	0	0	0	0	0	0	0	0	0

Cash Flow

	Dec 2015	Dec 2016	Dec 2017	Dec 2018	Dec 2019	Dec 2020	Dec 2021	Dec 2022	Dec 2023	Dec 2024
Cash from Operations+	210.96M	296.44M	326.53M	295.7M	339.93M	373.6M	534.08M	769.55M	472.6M	225.29M
Operating CF Growth %	-0.14%	0.41%	0.1%	-0.09%	0.15%	0.1%	0.43%	0.44%	-0.39%	-0.52%
Net Income	116.07M	158.8M	247.1M	195.51M	243.6M	286.5M	353.02M	431.68M	350.02M	441.24M
Depreciation & Amortization	52.79M	54.56M	54.88M	53.12M	56.26M	62.8M	55.75M	54.02M	58.72M	52.77M
Deferred Taxes	-4.85M	2.76M	59.74M	-20.26M	-153K	-4.84M	-12.72M	-6.31M	-20.44M	-16.17M
Other Non-Cash Items	70.81M	59.36M	-23.72M	100.17M	75.44M	65.45M	61.83M	36.67M	81.44M	87.13M
Working Capital Changes	-33.63M	9.24M	-24.79M	-43.95M	-50.06M	-51.44M	55M	232M	-15.84M	-362.26M
Cash from Investing+	-1.33B	-1.5B	-478.58M	-1.75B	-2.99B	-4.49B	-4.24B	-3.85B	-1.27B	-3.26B
Purchase of Investments	-2.38B	-3.05B	-1.82B	-1.52B	-2.53B	-4.59B	-5.84B	-2.26B	-1.84B	-8.36B
Sale/Maturity of Investments	1000K	1000K	1000K	1000K	1000K	1000K	1000K	1000K	1000K	1000K
Net Investment Activity	-	-	-	-	-	-	-	-	-	-
Acquisitions	95.35M	0	164.56M	-8.91M	-18.5M	24K	18.43M	548.62M	-793K	-109.05M
Other Investing	-1.2B	-1.2B	-649.41M	-1.39B	-2.24B	-2.87B	-772.68M	-3.7B	-1.4B	-2.74B
Cash from Financing+	151.16M	1.45B	804.35M	1.41B	2.64B	5.95B	9.42B	-4.58B	4.77B	5.96B
Dividends Paid	-45.97M	-49.04M	-51.88M	-58.28M	-59.44M	-60.28M	-66.75M	-72.03M	-74.25M	-77.13M
Share Repurchases	-8.46M	-16.37M	-15.28M	-76.51M	-4.5M	-63.77M	-5.51M	-32M	-8.37M	-7.74M
Stock Issued	0	0	0	0	0	5.19M	0	0	0	0
Net Stock Activity	-	-	-	-	-	-	-	-	-	-
Debt Issuance (Net)	-1000K	-1000K	1000K	0	0	1000K	0	1000K	1000K	-1000K
Other Financing	325.09M	1.53B	870.02M	1.54B	2.7B	5.45B	9.49B	-4.59B	3.05B	7.84B
Net Change in Cash+	-968.12M	244.85M	652.29M	-42.14M	-4.95M	1.83B	5.72B	-7.66B	3.97B	2.92B
Exchange Rate Effect	0	0	0	0	0	0	0	0	0	0
Cash at Beginning	1.79B	819.11M	1.06B	1.72B	1.67B	1.67B	3.5B	9.21B	1.56B	5.53B
Cash at End	819.11M	1.06B	1.72B	1.67B	1.67B	3.5B	9.21B	1.56B	5.53B	8.45B
Interest Paid	17.81M	28M	56.82M	115.16M	189.58M	84.11M	47.11M	196.48M	844.4M	1.2B
Income Taxes Paid	47.09M	44.08M	45.75M	63.13M	2.25M	34.07M	92.58M	101.95M	79.33M	76.93M
Free Cash Flow+	157.2M	245.6M	290.08M	237.76M	267.62M	313.38M	500.39M	717.84M	445.69M	201.08M
FCF Growth %	-0.21%	0.56%	0.18%	-0.18%	0.13%	0.17%	0.6%	0.43%	-0.38%	-0.55%

Banking Ratios

Metric	2015	2016	2017	2018	2019	2020	2021	2022	2023	2024
Return on Equity (ROE)	6.56%	8.24%	11.93%	8.87%	10.08%	10.19%	11.46%	14.85%	12.14%	13.44%
Return on Assets (ROA)	0.63%	0.8%	1.16%	0.87%	0.98%	0.96%	0.93%	1.06%	0.85%	0.93%
Net Interest Margin	2.16%	2.39%	2.57%	2.61%	2.53%	2.21%	1.91%	2.37%	2.09%	1.99%
Efficiency Ratio	78.2%	70.21%	65.73%	61.1%	58.12%	57.8%	60.14%	49.87%	38.45%	32.78%
Equity / Assets	9.92%	9.49%	10.02%	9.54%	9.81%	9.11%	7.37%	6.93%	7.04%	6.88%
Book Value / Share	39.8	39.82	43.77	44.77	53.1	62.41	64.54	54.71	63.58	70.66
NII Growth	17.71%	20.2%	12.84%	9.22%	9.9%	8.99%	11.53%	12.05%	0.69%	8.78%
Dividend Payout	39.6%	30.88%	20.99%	29.81%	24.4%	21.04%	18.91%	16.69%	21.21%	17.48%

Revenue by Segment

	2018	2019	2020	2021	2022	2023	2024
Other Financial Services	-	-	36.59M	37.8M	27.14M	47.19M	59.81M
Other Financial Services Growth	-	-	-	3.29%	-28.19%	73.85%	26.75%
Trading And Investment Banking	-	-	32.19M	30.15M	22.88M	19.33M	23.09M
Trading And Investment Banking Growth	-	-	-	-6.35%	-24.10%	-15.51%	19.47%
Investment Securities Gains Losses Net	-	-	-	-	-	-3.14M	10.72M
Investment Securities Gains Losses Net Growth	-	-	-	-	-	-	441.51%
Deposit Account	84.29M	-	211K	315K	171K	96K	113K
Deposit Account Growth	-	-	-	49.29%	-45.71%	-43.86%	17.71%
Credit Card	68.52M	-	-29.07M	-33.24M	-33.53M	-38.98M	-39.28M
Credit Card Growth	-	-	-	-14.36%	-0.89%	-16.24%	-0.77%
Investment Securities Gains Net	-	-	120.63M	5.06M	58.44M	-	-
Investment Securities Gains Net Growth	-	-	-	-95.81%	1055.70%	-	-
Institutional Banking	-	113.31M	-	-	-	-	-
Institutional Banking Growth	-	-	-	-	-	-	-
Commercial Banking	-	29.72M	-	-	-	-	-
Commercial Banking Growth	-	-	-	-	-	-	-
Healthcare Services	-	16.75M	-	-	-	-	-
Healthcare Services Growth	-	-	-	-	-	-	-
Personal Banking	-	1.63M	-	-	-	-	-
Personal Banking Growth	-	-	-	-	-	-	-

Frequently Asked Questions

Valuation & Price

UMB Financial Corporation (UMBF) has a price-to-earnings (P/E) ratio of 13.7x. This may indicate the stock is undervalued or faces growth challenges.

Growth & Financials

UMB Financial Corporation (UMBF) grew revenue by 17.5% over the past year. This is strong growth.

Yes, UMB Financial Corporation (UMBF) is profitable, generating $607.0M in net income for fiscal year 2024 (16.7% net margin).

Dividend & Returns

Yes, UMB Financial Corporation (UMBF) pays a dividend with a yield of 1.28%. This makes it attractive for income-focused investors.

UMB Financial Corporation (UMBF) has a return on equity (ROE) of 13.4%. This is reasonable for most industries.

Industry Metrics

UMB Financial Corporation (UMBF) has a net interest margin (NIM) of 2.0%. NIM has been under pressure due to interest rate environment.

UMB Financial Corporation (UMBF) has an efficiency ratio of 32.8%. This is excellent, indicating strong cost control.

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