SharesGrow 7-Criteria Score
All 7 criteria scored · valuation-related highlighted on this page
UMB Financial Corporation (UMBF) trades at a trailing P/E of 12.9, forward P/E of 10.0. Trailing earnings yield is 7.76%, forward earnings yield 10.00%. PEG 8.06. Graham Number is $145.24.
Criteria proven by this page:
- VALUE (62/100, Pass) — P/E is below market average (12.9); analyst target implies upside (+22.9%); earnings yield beats bond yields (7.76%).
- Forward P/E 10.0 (down from trailing 12.9) — analysts expect earnings to grow, which would improve the valuation.
- PEG Ratio 8.06 — above 2.0 suggests expensive relative to earnings growth.
- Trailing Earnings Yield 7.76% — exceeds typical bond yields (~4.3%), making equity attractive vs fixed income. Forward yield improves to 10.00% as earnings recover.
- Analyst consensus target $148.20 (+22.9% upside) — significant upside potential according to Wall Street analysts.
Overall SharesGrow Score: 69/100 with 4/7 criteria passed.
SharesGrow 7-Criteria Score
✓
VALUE
62/100
Price-to-Earnings & upside
Proven by this page
✗
HEALTH
33/100
Debt-to-Equity & liquidity
→ Health
Valuation Snapshot — UMBF
Valuation Multiples
P/E (TTM)12.9
Forward P/E10.0
PEG Ratio8.06
Forward PEG0.31
P/B Ratio1.18
P/S Ratio2.04
EV/EBITDA11.3
Per Share Data
EPS (TTM)$9.25
Forward EPS (Est.)$12.07
Book Value / Share$101.34
Revenue / Share$58.53
FCF / Share$12.88
Yields & Fair Value
Earnings Yield7.76%
Forward Earnings Yield10.00%
Dividend Yield1.39%
Graham Number$145.24
SharesGrow IV$265.25 (+119.9%)
Analyst Target$148.20 (+22.9%)
Historical Valuation
| Year |
P/E (TTM) |
PEG Ratio |
P/B Ratio |
P/S Ratio |
Dividend Yield |
| 2016 |
23.7 |
0.74 |
1.92 |
4.33 |
1.30% |
| 2017 |
14.3 |
0.26 |
1.62 |
3.62 |
1.47% |
| 2018 |
15.4 |
-0.73 |
1.35 |
2.81 |
1.94% |
| 2019 |
13.7 |
0.53 |
1.28 |
2.75 |
1.78% |
| 2020 |
11.6 |
0.60 |
1.10 |
2.56 |
1.82% |
| 2021 |
14.5 |
0.63 |
1.63 |
4.12 |
1.30% |
| 2022 |
9.4 |
0.42 |
1.51 |
2.55 |
1.78% |
| 2023 |
11.6 |
-0.60 |
1.31 |
1.81 |
1.83% |
| 2024 |
12.5 |
0.49 |
1.59 |
2.09 |
1.40% |
| 2025 |
12.4 |
7.50 |
1.14 |
1.97 |
1.55% |
P/E Ratio & Earnings Yield
Earnings Per Share (EPS) History
| Year |
EPS (Diluted) |
Revenue |
Net Income |
Net Margin |
| 2016 |
$3.22 |
$868.78M |
$158.8M |
18.3% |
| 2017 |
$4.96 |
$978.67M |
$247.11M |
25.2% |
| 2018 |
$3.93 |
$1.07B |
$195.51M |
18.3% |
| 2019 |
$4.96 |
$1.22B |
$243.6M |
20% |
| 2020 |
$5.93 |
$1.3B |
$286.5M |
22.1% |
| 2021 |
$7.24 |
$1.24B |
$353.02M |
28.4% |
| 2022 |
$8.86 |
$1.58B |
$431.68M |
27.3% |
| 2023 |
$7.18 |
$2.24B |
$350.02M |
15.6% |
| 2024 |
$8.99 |
$2.64B |
$441.24M |
16.7% |
| 2025 |
$9.13 |
$4.44B |
$702.4M |
15.8% |
Analyst Estimates
| Year |
EPS (Avg) |
EPS Range |
Revenue (Avg) |
Revenue Range |
Analysts |
| 2026 |
$12.00 |
$11.63 – $12.27 |
$2.88B |
$2.86B – $2.9B |
9 |
| 2027 |
$13.12 |
$12.58 – $13.58 |
$3.08B |
$3.02B – $3.17B |
9 |
| 2028 |
$14.51 |
$14.22 – $14.87 |
$3.29B |
$3.27B – $3.32B |
1 |
