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UMB Financial Corporation (UMBF)

POSITIVE
Financial ServicesBanks - RegionalUnited States

基本面

74

价格

$143.67

市值

$11.06B

第一部分 · 这家公司值多少

概览

UMB Financial Corporation operates as a bank holding company that provides banking services and asset servicing in the United States and internationally. The company operates through three segments: Commercial Banking, Institutional Banking, and Personal Banking. The Commercial Banking segment provides commercial loans and credit cards; commercial real estate financing; letters of credit; loan syndication, and consultative services; various business solutions including asset-based lending, 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 banking, fund, asset management, and healthcare services to institutional clients; fund administration and accounting, investor services and transfer agency, alternative investment services, fixed income sales, trading and underwriting, and corporate trust and escrow services, as well as institutional custody services. This segment also provides healthcare payment solutions, including custodial service for health saving accounts and private label, multipurpose debit cards to insurance carriers, third-party administrators, 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, as well as internet banking, ATM network, private banking, brokerage and insurance service, and investment advisory, trust, and custody services. It operates through a network of branches and offices. The company was founded in 1913 and is headquartered in Kansas City, Missouri.

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Direct competitors

Who this company fights with for the same customers

No editorial profile for this company yet

No competitor list for this company yet.

资产负债表与流动性

营收

$2.92B

最近12个月(截至2026/6/30)

净利润

$943M

最近12个月(截至2026/6/30)

自由现金流

$978M

股东权益合计

$7.69B

负债合计

$65.40B

流动比率

-

利息覆盖率

0.58

债务/EBITDA

-

每股收益

营收与净利润

自由现金流

收入构成

历史财务表

利润率变化

债务变化

增长一览表

增长 — 营业收入

公允价值估算

Bank合理估值

公允价值

$138.19

当前价格

$143.67

安全边际

-4.0%

公允价值区间

$94.20 - $182.17

估算方法

Analyst price target:$168.21
Discounted cash flow (DCF):Not applicable to this type of company
Earnings multiple (P/E):$129.81
Graham growth formula:Not applicable to this type of company
Earnings power value (EPV):Not applicable to this type of company
Justified P/B:$161.18
Dividend discount (Gordon):$44.04
P/FFO, funds from operations:Not applicable to this type of company
Mid-cycle earnings:Not applicable to this type of company
Revenue multiple:Not applicable to this type of company
分析师共识:强力买入 (16B / 3H / 0S)
最近财报超预期:+11.63%

估值指标

市盈率(P/E)

11.83

ROE

9.1%

市净率(P/B)

1.36

P/FCF

10.51

毛利率

-

ROIC

-

盈利能力雷达图

Value Creation (Economic Moat)

ROIC

-

WACC

9.4%

ROIC − WACC

-

基本面分析标准

通过(18)

  • EPS shows upward trend
  • EPS CAGR 8.34%
  • Price CAGR 6.53%
  • P/FCF 10.51
  • P/B Ratio 1.36
  • Operating Margin 40.8%
  • Positive Free Cash Flow
  • CapEx intensity
  • Low reliance on intangibles
  • Price below Graham Number
  • ROE 12.2%
  • Revenue Growth 5Y 13.0%
  • Analyst Consensus 84% Buy
  • Earnings Surprise avg 7.1%
  • PEG Ratio 1.22
  • Earnings Quality (OCF/NI) 1.16
  • Net Margin Trend 32.3% vs 25.2%
  • Piotroski F-Score 6/9

未通过(5)

  • Debt/Equity ratio
  • Interest Coverage
  • Return on Tangible Assets
  • DCF valuation (Overvalued)
  • Share Dilution 54.0%

不可用(5)

  • ROIC NaN%
  • Gross Margin NaN%
  • Dividend Payout NaN%
  • Current Ratio
  • Debt/EBITDA

Piotroski F-评分

6/9

信号混杂:部分领域需关注

score
criteria

盈利质量

1.16

高质量:盈利有现金流支撑

股权稀释

54.0%

正在发行新股,稀释所有权

公司治理

管理团队

姓名职位年龄
Mr. J. Mariner KemperChairman & CEO52
Mr. James D. RinePresident & Vice Chairman54
Mr. Ram ShankarExecutive VP & CFO52
Ms. Uma Wilson AAP, CTPExecutive VP and Chief Information, Bank Product & Operations Officer46
Ms. Shannon Andresen Johnson P.H.R.Executive VP, Chief Administrative Officer & Chief Risk Officer45

审计风险

2

董事会风险

4

薪酬风险

3

股东权利风险

4

第二部分 · 价格与买入时机

这一部分不判断公司是否值得拥有:它帮助你在基本面说服你之后,选择何时买入。包含:技术分析、潜力、历史回撤、Gamma 敞口。

Latest News

Recent headlines for UMBF, sourced from Markets Gazette.

  • 3/15/2026POSITIVE
    Regional Bank Stock Up 14% in a Year as Investor Sells $2.6 Million in Shares

    UMB Financial Corporation has seen its stock price rise 14% over the past year, demonstrating robust performance in the regional banking sector. The company, which offers a range of banking and asset management services across 15 states, generates income through interest and fees. Despite a recent sale of $2.6 million in shares by an investor, the stock's upward trend suggests sustained investor confidence and positive operational momentum. This performance indicates UMBF's resilience and ability to navigate the current economic landscape, making it an attractive option for investors seeking exposure to the financial services industry.

via Markets Gazette