UMB Financial Corporation

NASDAQ
UMBF
Stock
Yield per half year: -10.02%
Dividend yield: 1.43%
Sector: Financials

Reporting UMB Financial Corporation

Capitalization

IFRS
Reporting Annual Quarterly
2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 LTM 5 year average CAGR 5
Капитализация, млрд $
2.56 2.85 3.65 3.59 2.99 3.92 4.98 4.39 3.37 3.18 3.93 2.42
Выручка, млрд $
0.905 0.921 0.9477 1.03 1.22 1.2 0.2219 1.42 2.17 2.17 1.25 12.21
Чистая прибыль, млрд $
0.159 0.247 0.1955 0.2436 0.2865 0.353 0.4317 0.35 0.4412 0.4412 0.3725 9.02
EV, млрд $
3.64 3.25 1.41 1.77 0.0274 -3.8 2.71 -0.1876 5.36 5.36 0.8220 187.27
EBIT, млрд $
0.2186 0.2387 0.3604 0.3444 0.478 0.4162 0.5261 0.5342 -0.1443 -0.0465 0.3620 -178.70
EBITDA, млрд $
0.212 0.2616 0.4133 0.3975 0.4835 0.4227 0.5308 0.586 -0.0856 0.0086 0.3875 -170.73
OIBDA, млрд $
0.4017 0.5636 0.6864 0.0716 0.4308 -35.02
Баланс стоимость, млрд $
1.96 1.34 2.23 2.61 3.02 3.15 2.67 3.1 3.47 3.47 3.08 2.82
FCF, млрд $
0.246 0.29 0.2392 0.2691 0.3134 0.5004 0.7178 0.4457 0.2011 0.2011 0.4357 -8.49
Операционный денежный поток, млрд $
0.2964 0.3265 0.2971 0.3414 0.3736 0.5341 0.7696 0.4726 0.2253 0.2253 0.4750 -9.62
Операционная прибыль, млрд $
0.207 0.2363 0.2236 0.478 0.4162 0.5261 0.7507 0.5072 2.14 2.14 0.8680 38.75
Операционные расходы, млрд $
0.727 0.804 0.91 1 0.0147 0.0185 0.0257 0.8463 1.47 1.47 0.4750 151.19
CAPEX, млрд $
0.051 0.036 0.0579 0.0723 0.0602 0.0337 0.0517 0.0269 0.0242 0.0242 0.0393 -16.66


Balance sheet

IFRS
Reporting Annual Quarterly
2012 2013 2014 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 LTM 5 year average CAGR 5
Наличность, млрд $
1.14 1.74 1.69 1.7 3.54 9.26 1.68 5.61 0.5732 0.5732 4.13 -30.52
Short Term Investments $
6.47 6.26 6.54 7.45 9.3 11.98 7.01 19.52 7.77 7.77 11.12 -3.53
Long term investments $
14.76 17.01 18.24 18.92 20.04 22.18 26.68 13.81 13.23 13.18 17.82 -9.89
Total Receivables $
0.099 0.0989 0.1102 0.1245 0.1399 0.1311 0.1892 0.5197 0.4254 0.4254 0.2811 24.91
Total Current Assets $
12.44 13.65 15.02 9.27 12.98 21.36 0.00042 0.4522 0.5732 0.5732 7.07 -46.42
Чистые активы, млрд $
0.2815 0.289 2.18 15.02 9.27 12.98 28.46 0.2636 10.68 0.2636 12.33 2.87
Активы, млрд $
20.68 21.77 23.35 26.56 33.13 42.69 38.51 44.01 50.41 50.41 41.75 8.76
Short Term Debt $
0.005 1.86 1.26 0.0000 1.92 2.32 3.25 2.23 1 3.92 2.14 -12.23
Long Term Debt $
0.0768 0.0793 0.0827 0.0975 0.2696 0.2715 0.3813 0.3832 0.3853 0.3853 0.3382 7.40
Задолженность, млрд $
18.72 19.59 21.12 23.95 30.11 39.55 0.3813 40.91 46.94 46.94 31.58 9.29
Чистый долг, млрд $
-1.06 4.59 -1.61 -1.6 -3.27 -8.98 -1.3 -4.22 -0.1879 -0.1879 -3.5916 -43.52
Долг, млрд $
1.93 0.0793 0.0827 0.0975 0.2696 0.2715 2.62 1.38 0.3853 0.3853 0.9853 7.40
Interest income $
0.4307 0.523 0.6169 0.732 0.8629 0.8085 0.8615 1.14 1.84 1.10 16.35
Расходы на обслуживание долга $
0.0277 0.058 0.1215 0.192 0.0773 0.046 0.2237 0.9186 1.17 1.17 0.4871 72.19
Чист. проц. доходы, млрд $
0.4121 0.4953 0.6169 0.732 0.8629 0.8085 0.8615 1.14 1.84 1.84 1.10 16.35
Goodwill $
0.2098 0.2283 0.2284 0.1809 0.1809 0.1809 0.1809 0.1745 0.2074 0.2074 0.1902 2.77
Амортизация, млрд $
0.0506 0.0529 0.0058 0.0055 0.0065 0.0048 0.0518 0.0587 0.0528 0.0528 0.0349 52.04
Себестоимость, млрд $
0.0371 0.0326 0.0308 0.0341 0.0602 0.099 0.1923 0.0948 0.6031 0.6031 0.2099 58.55
Товарно материальные запасы $
0.0033 0.000194 0.0015 0.0033 0.0029 0.0047 0.2801 3.11 0.9669 0.9669 0.8729 219.59


Share

IFRS
Reporting Annual Quarterly
2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 LTM 5 year average CAGR 5
EPS 3.22 4.96 3.93 4.96 5.93 7.24 8.86 7.18 8.99 8.99 7.64 8.68
Цена акции ао 77.12 71.92 60.97 81.7 68.99 91.17 83.55 112.86 103.11 103.11 91.94 8.37
Число акций ао, млн 49.62 49 49 49 48 48 48.75 48.76 49.06 49.06 48.51 0.44
FCF/акцию 4.95 5.82 4.81 5.48 6.48 10.27 14.73 9.14 4.1 4.1 8.94 -8.75


Efficiency

IFRS
Reporting Annual Quarterly
2013 2014 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 LTM Industry average 5 year average CAGR 5
ROE, % 8.24 11.93 8.87 10.08 10.19 11.46 14.85 12.14 13.44 13.44 -47.34 12.42 5.69
ROA, % 0.8 1.16 0.8666 0.9761 0.96 0.9312 1.06 0.8483 0.9346 0.9346 10.67 0.9468 -0.53
ROIC, % 7.3 5.86 7.79 8.09 8.49 9.01 7.37 10.33 9.58 9.53 6.57 9.16 1.13
ROS, % 38.94 36.34 46.51 34.16 39.72 194.52 24.64 20.32 20.32 20.32 26.43 59.90 -12.55
ROCE, % 12.16 16.52 14.9 17.68 7.23 14.59 2.41 -0.3308 -1.34 -1.34 26.28 4.51 -171.38
Ebit margin, % 22.88 23.21 31.73 240.72 -10.16 -2.14 -2.14 56.67 -162.08
Рентаб EBITDA, % 28.89 44.9 41.94 47.04 34.7 44.38 264.08 -6.02 0.3955 0.3955 37.71 67.51 -59.13
Чистая рентаб, % 17.54 26.84 20.63 23.7 23.52 29.52 194.52 24.64 20.32 20.32 26.43 58.50 -2.88
Operation Margin, % 25.67 23.59 27.82 23.52 35.87 338.29 35.7 98.69 98.69 98.69 31.91 121.45 22.44
Чистая процентная маржа, % 17.89 15.61 14.39 17.54 26.84 20.63 23.7 23.52 29.52 29.97 22.37 24.84 1.92
Доходность FCF, % 7.39 6.14 8.63 7.94 6.66 8.32 11.57 11 16.05 13.21 12.03 9.69


Coefficients

IFRS
Reporting Annual Quarterly
2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 LTM Industry average 5 year average CAGR 5
P/E
26 19.5 15.42 13.84 11.51 14.68 9.28 11.53 12.57 12.57 25.86 11.91 1.78
P/BV
1.9 1.7 1.35 1.29 1.09 1.65 0.105 1.3 1.6 1.6 -12.42 1.15 7.98
P/S
4.3 3.7 3.18 3.28 2.71 4.33 18.05 2.84 2.55 2.55 6.65 6.10 -1.21
P/FCF
11.31 11.81 12.04 10.61 10.35 6.23 4.43 7.13 15.81 15.81 19.22 8.79 8.84
E/P
0.0677 0.0545 0.0753 0.1058 0.0776 0.0965 0.1038 0.1101 0.1388 0.1388 0.05 0.1054 12.33
EV/EBIT
7.52 0.2268 -10.05 5.07 1.3 -58.75 -115.24 -115.24 -35.5340 62.89
EV/EBITDA
5.51 9.19 19.78 3.54 3.66 0.0648 -7.16 4.62 2.19 318.16 18.74 0.6750 -9.76
EV/S
3.53 3.69 3.46 1.44 -0.9936 12.2 -0.132 2.47 2.47 2.47 6.87 3.20 -219.98
EV/FCF
11.2 14.63 13.21 5.62 -2.37 3.77 -0.4209 26.65 26.65 26.65 24.55 10.86 -262.25
Debt/EBITDA
15.33 0.208 0.2017 0.6378 0.5116 4.46 -16.16 501.09 44.87 44.87 2.09 106.95 144.68
Netdebt/Ebitda
-1.09 -5.82 -4.68 -8.14 -18.53 -2.22 49.34 -151.87 -21.88 -21.88 0.97 -29.0320 3.38
Debt/Ratio
0.9 0.9 0.9 0.91 0.93 0.0679 0.0314 0.0076 0.0076 0.0076 0.40 0.2089 -61.76
Debt/Equity
8.98 9.48 9.19 9.98 12.57 0.9808 0.4461 0.1111 13.54 13.54 -1.77 5.53 1.50
Debt/Net Income
5.42 8.19 8.28 9.05 9.97 6.06 3.95 0.8732 0.8732 0.8732 3.28 4.35 -38.56
PEG
-3.11 -3.11 -3.1100 0.00
Бета
1.05 0.99 0.84 2.34 0.9836 0.2863 0.2863 0.58 1.09 -21.97
Индекс Альтмана
-0.43 -0.45 -0.39 -0.77 0.243 -0.0132 0.0328 0.0525 -0.6845 -0.6845 42.85 -0.0739 -223.01


Dividends

IFRS
Reporting Annual Quarterly
2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 LTM Industry average 5 year average CAGR 5
Див.выплата, млрд
0.046 0.0519 0.0583 0.0594 0.0603 0.0668 0.072 0.0742 0.0771 0.0547 0.0701 5.04
Дивиденд
1.04 1.17 1.21 1.25 1.38 1.49 1.54 1.58 0.4 1.59 1.28 -21.94
Див доход, ао, %
1.37 1.69 1.78 1.8 1.33 1.78 1.9 1.42 1.54 1.43 2.00 1.59 2.98
Дивиденды / прибыль, %
33.1 27.6 29.81 24.4 21.04 18.91 16.69 21.21 17.48 17.48 56.58 19.07 -3.64
Dividend Coverage Ratio
8.07 8.07 8.07 0.00


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Other

IFRS
Reporting Annual Quarterly
2020 2021 2022 2023 2024 LTM CAGR 5
CAPEX/Выручка, %
7.45 2.82 3.8 1.89 1.11 1.11 -31.67
Персонал, чел
3 591 3 529 3 770 3 599 0.06