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UMB FINANCIAL CORP

جودة البيانات: 83%
UMBFO
NASDAQ Financial Services Depository Institutions
KWD 26.10
▲ KWD 0.13 (0.50%)
6 months return
—
Momentum
Neutral
1Y earnings growth
59.19%

النمو

Revenue Growth (5Y)
N/A
Revenue (1Y)N/A
Earnings (1Y)59.19%
FCF Growth (3Y)48.14%

الجودة

Return on Equity
9.54%
أعلى من متوسط القطاع (9.22%)
ROICN/A
Net MarginN/A
Op. MarginN/A

الأمان

Debt / Equity
0.06
أقل من متوسط القطاع (0.49)
Current RatioN/A
Interest CoverageN/A

التقييم

PE (TTM)
2.73
أقل من متوسط القطاع (11.13)
P/B Ratio0.26
EV/EBITDAN/A
Dividend Yield6.25%

Quick Summary

Key Takeaways

Short bullets derived from reported financials—not the AI summary above.

Earnings grew 59.19% over the past year
Debt/Equity of 0.06 — conservative balance sheet
Generating 978.11 M in free cash flow
P/E of 2.73 — trading at a low valuation
PEG of 0.15 suggests growth is underpriced
Cash machine — converts 139.25% of earnings into free cash flow

Price History

الاتجاهات المالية

السعر المستهدف للمحللين

لا تتوفر تغطية محللين

Growth

Rev 5Y: N/A · Earnings 1Y: 59.19%
Revenue Growth (1Y) N/A Revenue Growth (3Y) N/A
Earnings Growth (1Y) 59.19% Earnings Growth (3Y) 41.66%
Revenue Growth (5Y) N/A Earnings Growth (5Y) 18.77%

Profitability

ROE: 9.54% · Net Margin: N/A
Revenue (TTM) N/A Net Income (TTM) 702.40 M
ROE 9.54% ROA 0.98%
Gross Margin N/A Operating Margin N/A
Net Margin N/A Free Cash Flow (TTM) 978.11 M
ROIC N/A FCF Growth (3Y) 48.14%

Safety

D/E: 0.06 · Current: N/A
Debt / Equity 0.06 Current Ratio N/A
Interest Coverage N/A Asset Turnover N/A
Working Capital N/A Tangible Book Value 5.10 B

Dividends

Yield: 6.25% · Payout: 17.52%
Dividend Yield 6.25% Payout Ratio 17.52%
Dividend Growth (3Y) N/A Dividend Growth (5Y) N/A
Consecutive Div Years 1 yrs

Valuation

P/E: 2.73 · EV/EBITDA: N/A
P/E Ratio 2.73 Forward P/E N/A
P/B Ratio 0.26 P/S Ratio N/A
PEG Ratio 0.15 Forward PEG N/A
EV/EBITDA N/A Fwd EV/EBITDA N/A
Forward P/S 0.62 Fwd Earnings Yield N/A
FCF Yield 50.95%
Market Cap 1.92 B Enterprise Value -6.45 B

Per Share

EPS: 9.29 · FCF/Share: 13.28
EPS (Diluted TTM) 9.29 Revenue / Share N/A
FCF / Share 13.28 OCF / Share 13.94
EPS CAGR (1Y) 3.34% EPS CAGR (5Y) 6.43%
EPS CAGR (10Y) 12.49%

Efficiency

FCF Conv: 139.25% · CapEx/Rev: N/A
CapEx / Revenue N/A FCF Conversion 139.25%
SBC-Adj. FCF 944.83 M Growth Momentum N/A

Income Statement

Annual, most recent first
Metric FY2025 FY2024 FY2023 FY2022 FY2021
Revenue — — — — —
Net Income 702.40 M 441.24 M 350.02 M 431.68 M 353.02 M
EPS (Diluted) 9.29 8.99 7.18 8.86 7.24
Gross Profit — — — — —
Operating Income — — — — —
EBITDA — — — — —
R&D Expenses — — — — —
SG&A Expenses — — — — —
D&A 141.77 M 52.77 M 58.72 M 54.02 M 55.75 M
Interest Expense 1.86 B 1.00 B 918.59 M 223.72 M 46.00 M
Income Tax 172.56 M 100.03 M 71.58 M 100.33 M 76.04 M

Balance Sheet

Annual, most recent first
Metric FY2025 FY2024 FY2023 FY2022 FY2021
Total Assets 73.09 B 50.41 B 44.01 B 38.51 B 42.69 B
Total Liabilities 65.40 B 46.94 B 40.91 B 35.85 B 39.55 B
Shareholders' Equity 7.69 B 3.47 B 3.10 B 2.67 B 3.15 B
Total Debt 474.23 M 2.19 B 2.18 B 381.31 M 271.54 M
Cash & Equivalents 7.77 B 8.45 B 5.53 B 1.56 B 9.21 B
Current Assets — — — — —
Current Liabilities — — — — —

مقارنة الأقران

مقابل وسيط قطاع Financial Services (6628 نظير)
المقياس السهم وسيط القطاع
P/E 2.7 11.1
P/B 0.3 1.2
ROE % 9.5 9.2
Net Margin % — 9.4
Rev Growth 5Y % — 5.8
D/E 0.1 0.5

تاريخ التوزيعات

العائد

6.25%

نسبة التوزيع

17.52%

النمو (٣ سنوات)

N/A

النمو (٥ سنوات)

N/A

المدفوعات الأخيرة لكل سهم (الأحدث أولاً).

تاريخ الاستحقاق الدفع المبلغ / سهم
Mar 31, 2026 — KWD 0.48
Dec 31, 2025 — KWD 0.48
Sep 30, 2025 — KWD 0.66

درجات الاستراتيجيات

3 strategies matched
Dividend High Yield Value
#199 of 240
33
Value Deep Value Investing (Seth Klarman)
#91 of 172
32
Value Defensive Investing (Benjamin Graham)
#23 of 38
54

النشاط الأخير

دخل High Yield Value
Apr 12, 2026
دخل Deep Value Investing (Seth Klarman)
Apr 12, 2026
دخل Defensive Investing (Benjamin Graham)
Apr 12, 2026