Historical Valuation
UMB Financial Corp (UMBF) is now in the Fair zone, suggesting that its current forward PE ratio of 10.37 is considered Fairly compared with the five-year average of 11.25. The fair price of UMB Financial Corp (UMBF) is between 119.18 to 153.76 according to relative valuation methord.
Relative Value
Fair Zone
119.18-153.76
Current Price：122.96
Fair
P/E
EV/EBITDA
EV/EBIT
P/S
P/OCF
P/FCF
1Y
3Y
5Y
Trailing
Forward
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 1.31 , the current P/B ratio is approximately -5.28% higher. Relative to its 5-year average P/B ratio of 1.40, the current P/B ratio is about -11.79% higher. UMB Financial Corp (UMBF) has a Forward Free Cash Flow (FCF) yield of approximately 9.06%. Compared to its 3-year average FCF yield of 10.87%, the current FCF yield is approximately -16.68% lower. Relative to its 5-year average FCF yield of 11.32% , the current FCF yield is about -19.99% lower.
P/B
Median3y
1.31
Median5y
1.40
FCF Yield
Median3y
10.87
Median5y
11.32
Competitors Valuation Multiple
AI Analysis for UMBF
The average P/S ratio for UMBF competitors is 3.15, providing a benchmark for relative valuation. UMB Financial Corp Corp (UMBF.O) exhibits a P/S ratio of 3.20, which is 1.46% above the industry average. Given its robust revenue growth of 67.90%, this premium appears sustainable.
Performance Decomposition
AI Analysis for UMBF
1Y
3Y
5Y
Market capitalization of UMBF increased by 0.00% over the past 1 year. The primary factor behind the change was an decrease in Unknown from 0.00 to 0.00.
The secondary factor is the Unknown, contributed 0.00%to the performance.
Overall, the performance of UMBF in the past 1 year is driven by Unknown.
People Also Watch
Frequently Asked Questions
Is UMBF currently overvalued or undervalued?
UMB Financial Corp (UMBF) is now in the Fair zone, suggesting that its current forward PE ratio of 10.37 is considered Fairly compared with the five-year average of 11.25. The fair price of UMB Financial Corp (UMBF) is between 119.18 to 153.76 according to relative valuation methord.
What is UMB Financial Corp (UMBF) fair value?
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. The fair price of UMB Financial Corp (UMBF) is between 119.18 to 153.76 according to relative valuation methord.
How does UMBF's valuation metrics compare to the industry average?
The average P/S ratio for UMBF's competitors is 3.15, providing a benchmark for relative valuation. UMB Financial Corp Corp (UMBF) exhibits a P/S ratio of 3.20, which is 1.46% above the industry average. Given its robust revenue growth of 67.90%, this premium appears sustainable.
What is the current P/B ratio for UMB Financial Corp (UMBF) as of Jan 10 2026?
As of Jan 10 2026, UMB Financial Corp (UMBF) has a P/B ratio of 1.24. This indicates that the market values UMBF at 1.24 times its book value.
What is the current FCF Yield for UMB Financial Corp (UMBF) as of Jan 10 2026?
As of Jan 10 2026, UMB Financial Corp (UMBF) has a FCF Yield of 9.06%. This means that for every dollar of UMB Financial Corp’s market capitalization, the company generates 9.06 cents in free cash flow.
What is the current Forward P/E ratio for UMB Financial Corp (UMBF) as of Jan 10 2026?
As of Jan 10 2026, UMB Financial Corp (UMBF) has a Forward P/E ratio of 10.37. This means the market is willing to pay $10.37 for every dollar of UMB Financial Corp’s expected earnings over the next 12 months.
What is the current Forward P/S ratio for UMB Financial Corp (UMBF) as of Jan 10 2026?
As of Jan 10 2026, UMB Financial Corp (UMBF) has a Forward P/S ratio of 3.20. This means the market is valuing UMBF at $3.20 for every dollar of expected revenue over the next 12 months.