UMBF Valuation

UMB Financial Corp

Add to Watchlist

Advanced Chart

107.310

+0.43(0.402%)1D

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 Undervalued zone, suggesting that its current forward PE ratio of 9.52 is considered Undervalued compared with the five-year average of 11.36. The fair price of UMB Financial Corp (UMBF) is between 112.73 to 145.84 according to relative valuation methord. Compared to the current price of 106.62 USD , UMB Financial Corp is Undervalued By 5.42%.

Relative Value

Fair Zone

112.73-145.84

Current Price：106.62

5.42%

Undervalued

9.52

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.

106.88

UMB Financial Corp. (UMBF) has a current PS of 106.88. The 5-year average PS is 3.20. The thresholds are as follows: Strongly Undervalued below -8.94, Undervalued between -8.94 and -2.87, Fairly Valued between 9.28 and -2.87, Overvalued between 9.28 and 15.35, and Strongly Overvalued above 15.35. The current Forward PS of 106.88 falls within the Strongly Overvalued 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 1.14. Compared to its 3-year average P/B ratio of 1.33 , the current P/B ratio is approximately -14.45% higher. Relative to its 5-year average P/B ratio of 1.40, the current P/B ratio is about -18.89% higher. UMB Financial Corp (UMBF) has a Forward Free Cash Flow (FCF) yield of approximately 0.00%. Compared to its 3-year average FCF yield of 11.41%, the current FCF yield is approximately -100.00% lower. Relative to its 5-year average FCF yield of 11.30% , the current FCF yield is about -100.00% lower.

1.14

P/B

Median3y

1.33

Median5y

1.40

0.00

FCF Yield

Median3y

11.41

Median5y

11.30

Competitors Valuation Multiple

The average P/S ratio for UMBF's competitors is 66.36, providing a benchmark for relative valuation. UMB Financial Corp Corp (UMBF) exhibits a P/S ratio of 106.88, which is 61.06% above the industry average. Given its robust revenue growth of 67.90%, this premium appears sustainable.

P/S

P/E

EV/EBITDA

EV/EBIT

P/S

Revenue Growth

Market Cap

Zions Bancorporation NA

Performance Decomposition

Market capitalization of UMBF decreased by 14.21% over the past 1 year. The primary factor behind the change was an increase in Revenue Growth from 377.37M to 633.61M.

The secondary factor is the Margin Expansion, contributed 2.31%to the performance.

Overall, the performance of UMBF in the past 1 year is driven by Revenue Growth. Which is more sustainable.

67.90%

377.37M → 633.61M

Revenue Growth

2.31%

29.05 → 29.72

Margin Expansion

-84.42%

77.14 → 12.02

P/E Change

-14.21%