UMB FINANCIAL CORP
Datakwaliteit: 83%
UMBFO
NASDAQ
Financial Services
Depository Institutions
€ 26,18
▲
€ 0,12
(0,44%)
6 months return
—
Momentum
Neutral
1Y earnings growth
59,19%
Groei
Revenue Growth (5Y)
N/A
Revenue (1Y)N/A
Earnings (1Y)59,19%
FCF Growth (3Y)48,14%
Kwaliteit
Return on Equity
9,54%
Boven sectorgemiddelde (9,22%)
ROICN/A
Net MarginN/A
Op. MarginN/A
Veiligheid
Debt / Equity
0,06
Onder sectorgemiddelde (0,49)
Current RatioN/A
Interest CoverageN/A
Waardering
PE (TTM)
2,73
Onder sectorgemiddelde (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
Financiële Trends
Koersdoel Analisten
Geen analistendekking beschikbaar
Growth
Rev 5Y: N/A · Earnings 1Y: 59,19%
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
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
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%
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
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
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
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
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
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 | — | — | — | — | — |
Sectorvergelijking
vs Financial Services sector mediaan (6628 peers)
Vergeleken met vergelijkbare bedrijven in Financial Services
Sectorvergelijking
vs Financial Services sector mediaan (6628 peers) Vergeleken met vergelijkbare bedrijven in Financial Services| Metriek | Aandeel | Sector Mediaan |
|---|---|---|
| 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 |
Dividendgeschiedenis
Dividendgeschiedenis
Rendement
6,25%
Uitkeringsratio
17,52%
Groei (3 jr)
N/A
Groei (5 jr)
N/A
Recente betalingen per aandeel (nieuwste eerst).
| Ex-dividend | Betaling | Bedrag / aandeel |
|---|---|---|
| Mar 31, 2026 | — | € 0,48 |
| Dec 31, 2025 | — | € 0,48 |
| Sep 30, 2025 | — | € 0,66 |
Strategiescores
3 strategies matched
Strategiescores
3 strategies matchedRecente Activiteit
Ingestapt
High Yield Value
Apr 12, 2026
Ingestapt
Deep Value Investing (Seth Klarman)
Apr 12, 2026
Ingestapt
Defensive Investing (Benjamin Graham)
Apr 12, 2026
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