UMB Financial Corporation (UMBF) is a Banks - Regional company in the Financial Services sector, currently trading at $120.63. It has a SharesGrow Score of 69/100, indicating a above average investment profile with 4 out of 7 criteria passed.
SharesGrow calculates the intrinsic value of UMBF = $265.25 (+119.9% from the current price, the stock appears undervalued). Analyst consensus target is UMBF = $148 (+22.9% upside).
Valuation: UMBF trades at a trailing Price-to-Earnings (P/E) of 12.9 (S&P 500 average ~25) with a forward Price/Earnings-to-Growth (PEG) of 1.38.
Financials: revenue is $4.4B, +42.6%/yr average growth. Net income is $702M, growing at +22.1%/yr. Net profit margin is 15.8% (healthy). Gross margin is 54.4% (-29.1 pp trend).
Balance sheet: total debt is $3.8B against $7.7B equity (Debt-to-Equity (D/E) ratio 0.49, conservative). Current ratio is 0.01 (tight liquidity). Debt-to-assets is 5.2%. Total assets: $73.1B.
Analyst outlook: 10 / 18 analysts rate UMBF as buy (56%) — moderate consensus.
SharesGrow 7-Criteria breakdown: Value 62/100 (Pass), Growth 100/100 (Pass), Past 100/100 (Pass), Health 33/100 (Fail), Moat 59/100 (Partial), Future 58/100 (Partial), Income 70/100 (Pass).
