
UMBF Valuation
UMB Financial Corp
- Overview
- Forecast
- Valuation
- Earnings
UMBF Relative Valuation
UMBF's fair value is calculated using relative valuation, based on historical P/E and P/S ranges and their premiums/discounts relative to a competitor average, adjusted by weights. If the market price exceeds this fair value range, UMBF is overvalued; if below, it's undervalued.
Historical Valuation
UMB Financial Corp (UMBF) is now in the Fair zone, suggesting that its current forward PE ratio of 10.73 is considered Fairly compared with the five-year average of 11.46. The fair price of UMB Financial Corp (UMBF) is between 102.84 to 133.15 according to relative valuation methord.
Relative Value
Fair Zone
102.84-133.15
Current Price:108.12
Fair
10.73
PE
1Y
3Y
5Y
Trailing
Forward
0.00
EV/EBITDA
UMB Financial Corp. (UMBF) has a current EV/EBITDA of 0.00. The 5-year average EV/EBITDA is 0.00. The thresholds are as follows: Strongly Undervalued below 0.00, Undervalued between 0.00 and 0.00, Fairly Valued between 0.00 and 0.00, Overvalued between 0.00 and 0.00, and Strongly Overvalued above 0.00. The current Forward EV/EBITDA of 0.00 falls within the Strongly Undervalued range.
NaN
EV/EBIT
UMB Financial Corp. (UMBF) has a current EV/EBIT of NaN. The 5-year average EV/EBIT is NaN. The thresholds are as follows: Strongly Undervalued below NaN, Undervalued between NaN and NaN, Fairly Valued between NaN and NaN, Overvalued between NaN and NaN, and Strongly Overvalued above NaN. The current Forward EV/EBIT of NaN falls within the range.
3.14
PS
UMB Financial Corp. (UMBF) has a current PS of 3.14. The 5-year average PS is 2.80. The thresholds are as follows: Strongly Undervalued below 1.77, Undervalued between 1.77 and 2.28, Fairly Valued between 3.32 and 2.28, Overvalued between 3.32 and 3.84, and Strongly Overvalued above 3.84. The current Forward PS of 3.14 falls within the Historic Trend Line -Fairly Valued range.
0.00
P/OCF
UMB Financial Corp. (UMBF) has a current P/OCF of 0.00. The 5-year average P/OCF is 0.00. The thresholds are as follows: Strongly Undervalued below 0.00, Undervalued between 0.00 and 0.00, Fairly Valued between 0.00 and 0.00, Overvalued between 0.00 and 0.00, and Strongly Overvalued above 0.00. The current Forward P/OCF of 0.00 falls within the Strongly Undervalued range.
0.00
P/FCF
UMB Financial Corp. (UMBF) has a current P/FCF of 0.00. The 5-year average P/FCF is 0.00. The thresholds are as follows: Strongly Undervalued below 0.00, Undervalued between 0.00 and 0.00, Fairly Valued between 0.00 and 0.00, Overvalued between 0.00 and 0.00, and Strongly Overvalued above 0.00. The current Forward P/FCF of 0.00 falls within the Strongly Undervalued range.
UMB Financial Corp (UMBF) has a current Price-to-Book (P/B) ratio of 1.24. Compared to its 3-year average P/B ratio of 1.37 , the current P/B ratio is approximately -9.45% higher. Relative to its 5-year average P/B ratio of 1.38, the current P/B ratio is about -10.43% higher. UMB Financial Corp (UMBF) has a Forward Free Cash Flow (FCF) yield of approximately 6.11%. Compared to its 3-year average FCF yield of 12.22%, the current FCF yield is approximately -49.97% lower. Relative to its 5-year average FCF yield of 11.37% , the current FCF yield is about -46.23% lower.
1.24
P/B
Median3y
1.37
Median5y
1.38
6.11
FCF Yield
Median3y
12.22
Median5y
11.37
Competitors Valuation Multiple
The average P/S ratio for UMBF's competitors is 2.88, providing a benchmark for relative valuation. UMB Financial Corp Corp (UMBF) exhibits a P/S ratio of 3.14, which is 9.16% above the industry average. Given its robust revenue growth of 45.60%, this premium appears sustainable.
Performance Decomposition
1Y
3Y
5Y
Market capitalization of UMBF increased by 6.73% over the past 1 year. The primary factor behind the change was an increase in Revenue Growth from 369.35M to 537.78M.
The secondary factor is the P/E Change, contributed 10.48%to the performance.
Overall, the performance of UMBF in the past 1 year is driven by Revenue Growth. Which is more sustainable.
People Also Watch

GBCI
Glacier Bancorp Inc
45.310
USD
+1.68%

LAZ
Lazard Inc
54.850
USD
+0.44%

NWS
News Corp
33.690
USD
+0.42%

DAR
Darling Ingredients Inc
34.310
USD
-2.50%

MTH
Meritage Homes Corp
69.770
USD
-1.80%

CORT
Corcept Therapeutics Inc
68.290
USD
+1.04%

MC
Moelis & Co
70.400
USD
-0.90%

LFUS
Littelfuse Inc
230.340
USD
+0.89%

VIRT
Virtu Financial Inc
44.200
USD
+0.98%

CROX
Crocs Inc
106.750
USD
-0.95%
FAQ

Is UMB Financial Corp (UMBF) currently overvalued or undervalued?
UMB Financial Corp (UMBF) is now in the Fair zone, suggesting that its current forward PE ratio of 10.73 is considered Fairly compared with the five-year average of 11.46. The fair price of UMB Financial Corp (UMBF) is between 102.84 to 133.15 according to relative valuation methord.

What is UMB Financial Corp (UMBF) fair value?

How does UMBF's valuation metrics compare to the industry average?

What is the current P/B ratio for UMB Financial Corp (UMBF) as of Jul 28 2025?

What is the current FCF Yield for UMB Financial Corp (UMBF) as of Jul 28 2025?

What is the current Forward P/E ratio for UMB Financial Corp (UMBF) as of Jul 28 2025?
