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Market Price

49.54 

1.93 4.1%

as of Sep 28 '20

52 Week Range:

39.47 70.26


Stock Analyzer Tutorials

S2O Stock Analyzer - General Info

General Info


type: video (mp4); length: 3:30

Demonstrates how to use Stock Analyzer, shows how to analyze a stock and explains in detail "General Info" section of the Stock Analyzer result page.

S2O Stock Analyzer - Financial Statements

Financial Statements


type: video (mp4); length: 5:10

Explains information presented in the Financial Statements section of the S2O Stock Analyzer: financial statements charts, absolute values and growth rates.

S2O Stock Analyzer - Growth Grade and Financial Ratios

Growth Grade and Financial Ratios


type: video (mp4); length: 5:09

Demonstrates how to use Growth Grade & Financial Ratios section; shows the difference between historical and year-over-year Growth Grade on the real life example.

S2O Stock Analyzer - Value Price

Value Price


type: video (mp4); length: 6:03

Demonstrates how to use Value Price (intrinsic value) and the Graham Number, MOS (margin of safety) and IRT - Investment Recovery Time; explains 3 different projection models used to compute value price - pessimistic, moderate and optimistic.

S2O Stock Analyzer - Price Charts

Price Charts


type: video (mp4); length: 8:34

Demonstrates basic rules of how to read a candlestick chart, long and short term moving averages, stochastic, MACD and relative strength (RS) charts. Explains how bull or bear market condition is computed.

General Info

UMB Financial Corporation operates as the bank holding company for the UMB Bank that provides various banking and other financial services. The company operates through four segments: Commercial Banking, Institutional Banking, Personal Banking, and Healthcare Services. The Commercial Banking segment provides commercial loans and credit cards, letters of credit; loan syndication, consultative services, and various financial options; capital markets services, including asset-based financing, asset securitization, equity and mezzanine financing, factoring, and private and public placement of senior debt, as well as merger and acquisition consulting; and depository, account reconciliation, electronic fund transfer, controlled disbursements, lockbox, and remote deposit capture services. The Institutional Banking segment offers bond trading transactions, cash letter collections, investment portfolio accounting and safekeeping, asset/liability management reporting, and federal funds transactions; and fund administration and accounting, investor services and transfer agency, marketing and distribution, custody, and alternative investment services. The Personal Banking segment provides deposit accounts, retail credit cards, installment loans, home equity lines of credit, residential mortgages, and small business loans, as well as call center, internet banking and ATM network, private banking, brokerage, insurance, investment advisory, trust, and custody services. The Healthcare Services segment offers healthcare payment solutions comprising custodial services for health savings accounts, as well as private label and multipurpose debit cards. The company operates through a network of branches and offices in the states of Missouri, Kansas, Colorado, Illinois, Oklahoma, Texas, Arizona, Nebraska, Iowa, Pennsylvania, South Dakota, Indiana, Utah, Minnesota, California, and Wisconsin. UMB Financial Corporation was founded in 1913 and is headquartered in Kansas City, Missouri.

Financial Statements

The charts below show selected Annual and Quarterly Financial Data.

The purpose of these charts is to discover long and short term change dynamics. When numbers are growing year after year in the annual statements chart, the business become stronger and stronger and this is a good sign.

Quarterly Data Chart can be used to do a short term analysis. It makes sense to pay attention to the quarterly dynamics and do not wait for the next yearly statement. We should be alerted if we see that quarterly numbers are going down.

You can check "Annual Financial Statements" and "Quarterly Financial Statements" sections for exact numbers and growth rates.

Annual Statements

On a charts below the Line shows absolute values and the Bar chart shows Year-Over-Year Growth Rate for selected financial statement item. A consistent GROWTH is generally considered necessary to fund future growth from within a business.
NOTE: Growth Rate is not provided if either the latest period or the year-ago period contains a net loss. (source: WSJ Digest of Earnings)
TIP! move your mouse pointer over bar or a circle on any chart below to see details.

Financial Statements

Income Statement



 

Cash Flow Statement



 

Balance Sheet



 

Liquidity Ratios

Current Ratio


 

Current Ratio measures the ability to meet short term obligations. Generally accepted standard is 2 (current assets should be 2 times or 200% of current liabilities).

Quick Ratio


 

Measures immediate liquidity or the cash available to cover immediate liabilities. A safe margin would be at least 1 (100%).

Financial Leverage


 

Defined as total assets divided by total shareholders' equity. The higher the ratio, the more debt a company uses in its capital structure.

Profitability Ratios

ROA


 

Return on Assets (ROA) measures the income (profit) that is generated by the use of the assets of the business.

ROE


 

Return on Equity (ROE) is a measure of profitability that calculates how many dollars of profit a company generates with each dollar of shareholders equity. ROE is sometimes called "return on net worth."

ROIC


 

The Return on Invested Capital (ROIC) measure gives a sense of how well a company is using its money to generate returns. Some investors use this figure as a final evaluation to determine whether or not to invest in a company.

Annual Statements

Item Name Dec '09 Dec '10 Dec '11 Dec '12 Dec '13 Dec '14 Dec '15 Dec '16 Dec '17 Dec '18 Dec '19
Equity (BVPS) 25.11
26.24
28.95
31.71
32.37
35.48
38.48
40.76
42.12
44.86
52.22
growth rate 4.5% 10.3% 9.5% 2.1% 9.6% 8.5% 5.9% 3.3% 6.5% 16.4%
Earnings BIT 120.48
126.85
146.36
170.22
183.42
167.64
132.63
208.36
257.99
growth rate 5.3% 15.4% 16.3% 7.8% -8.6% -20.9% 57.1% 23.8%
Avg.PE 17.73
18.25
14.01
14.29
19.80
19.52
21.72
24.69
15.04
12.14
15.92
growth rate 2.9% -23.2% 2.0% 38.6% -1.4% 11.3% 13.7% -39.1% -19.3% 31.1%
ROA 0.79
0.76
0.82
0.86
0.84
0.70
0.63
0.80
1.16
0.87
0.98
growth rate -3.8% 7.9% 4.9% -2.3% -16.7% -10.0% 27.0% 45.0% -25.0% 12.6%
ROE 8.99
8.77
9.46
9.93
9.62
7.66
6.56
8.24
11.93
8.87
10.08
growth rate -2.5% 7.9% 5.0% -3.1% -20.4% -14.4% 25.6% 44.8% -25.7% 13.6%
ROIC 12.31
10.73
10.88
10.97
10.37
8.27
growth rate -12.8% 1.4% 0.8% -5.5% -20.3%
Leverage 11.48
11.69
11.37
11.67
11.23
10.65
10.08
10.54
9.98
10.48
10.19
growth rate 1.8% -2.7% 2.6% -3.8% -5.2% -5.4% 4.6% -5.3% 5.0% -2.8%
Balance Sheet Dec '09 Dec '10 Dec '11 Dec '12 Dec '13 Dec '14 Dec '15 Dec '16 Dec '17 Dec '18 Dec '19
Acct.Receivable 53.50
52.20
58.00
growth rate -2.4% 11.1%
Acct.Payable 186.38
182.47
153.45
13,616.86
15,092.75
16,570.61
18,023.00
19,281.26
21,603.24
growth rate -2.1% -15.9% 8,773.8% 10.8% 9.8% 8.8% 7.0% 12.0%
Cur.Assets 2,216.45
1,290.66
1,672.58
2,155.61
2,559.20
3,570.93
growth rate -41.8% 29.6% 28.9% 18.7% 39.5%
Total Assets 11,663.40
12,404.90
13,541.40
14,927.20
16,911.85
17,500.96
19,094.25
20,682.53
21,771.58
23,351.12
26,561.36
growth rate 6.4% 9.2% 10.2% 13.3% 3.5% 9.1% 8.3% 5.3% 7.3% 13.8%
Cash 1,515.30
1,204.70
7,954.15
8,612.46
9,752.61
1,080.74
474.14
423.04
397.82
645.62
472.96
growth rate -20.5% 560.3% 8.3% 13.2% -88.9% -56.1% -10.8% -6.0% 62.3% -26.7%
Inventory 0.39
3.31
0.19
1.50
3.34
2.94
growth rate 739.3% -94.1% 673.7% 122.4% -12.1%
Cur.Liabilities 15,829.60
17,089.36
18,611.98
19,482.28
21,010.64
23,734.75
growth rate 8.0% 8.9% 4.7% 7.8% 13.0%
Liabilities 10,647.80
11,344.10
12,350.27
13,647.85
15,405.79
15,857.20
17,200.55
18,720.15
19,590.05
21,122.65
23,954.92
growth rate 6.5% 8.9% 10.5% 12.9% 2.9% 8.5% 8.8% 4.7% 7.8% 13.4%
LT Debt 2,009.00
2,010.00
2,011.00
2,012.00
2,013.00
8.81
86.04
76.64
79.28
82.66
97.49
growth rate 0.1% 0.1% 0.1% 0.1% -99.6% 876.6% -10.9% 3.5% 4.3% 17.9%
Equity 1,015.60
1,060.90
1,191.13
1,279.35
1,506.07
1,643.76
1,893.69
1,962.38
2,181.53
2,228.47
2,606.44
growth rate 4.5% 12.3% 7.4% 17.7% 9.1% 15.2% 3.6% 11.2% 2.2% 17.0%
Common Shares 41.00
40.00
40.00
40.00
42.00
45.00
48.00
49.00
50.00
50.00
49.00
growth rate -2.4% 0.0% 0.0% 5.0% 7.1% 6.7% 2.1% 2.0% 0.0% -2.0%
Cash Flow Statement Dec '09 Dec '10 Dec '11 Dec '12 Dec '13 Dec '14 Dec '15 Dec '16 Dec '17 Dec '18 Dec '19
Capital Expenditures 21.30
29.80
35.56
44.04
38.31
44.79
53.76
50.84
36.45
57.94
72.31
growth rate 39.9% 19.3% 23.9% -13.0% 16.9% 20.0% -5.4% -28.3% 59.0% 24.8%
Cash Dividends 28.80
30.30
31.80
33.79
36.17
41.36
45.97
49.04
51.88
58.28
59.44
growth rate 5.2% 5.0% 6.3% 7.1% 14.4% 11.1% 6.7% 5.8% 12.3% 2.0%
Cash From OA 146.70
180.00
213.04
223.74
295.20
245.66
211.91
296.44
326.53
297.10
341.43
growth rate 22.7% 18.4% 5.0% 31.9% -16.8% -13.7% 39.9% 10.2% -9.0% 14.9%
FCF per Share 3.03
3.66
3.33
4.44
4.94
5.22
3.92
3.19
6.72
5.17
3.96
growth rate 20.8% -9.0% 33.3% 11.3% 5.7% -24.9% -18.6% 110.7% -23.1% -23.4%
Sale Purchase of Stock -6.70
-12.89
237.72
8.97
11.61
16.91
13.87
growth rate 0.0% 100.0% -96.2% 29.4% 45.7% -18.0%
FCF 123.00
147.00
177.00
180.00
257.00
199.00
157.00
246.00
290.00
239.00
269.00
growth rate 19.5% 20.4% 1.7% 42.8% -22.6% -21.1% 56.7% 17.9% -17.6% 12.6%
Income Statement Dec '09 Dec '10 Dec '11 Dec '12 Dec '13 Dec '14 Dec '15 Dec '16 Dec '17 Dec '18 Dec '19
Sales 613.20
671.00
757.99
797.81
840.17
831.74
767.23
865.33
941.48
941.39
1,064.83
growth rate 9.4% 13.0% 5.3% 5.3% -1.0% -7.8% 12.8% 8.8% 0.0% 13.1%
Op.Income 120.50
126.90
106.48
123.14
153.01
208.97
155.78
221.46
259.20
242.05
302.96
growth rate 5.3% -16.1% 15.7% 24.3% 36.6% -25.5% 42.2% 17.0% -6.6% 25.2%
IBT 120.48
126.85
146.36
170.22
184.40
166.06
128.29
198.59
236.35
223.59
285.97
growth rate 5.3% 15.4% 16.3% 8.3% -9.9% -22.8% 54.8% 19.0% -5.4% 27.9%
Net Income 89.50
91.00
106.48
123.14
153.01
120.66
116.07
158.80
247.11
195.51
243.60
growth rate 1.7% 17.0% 15.7% 24.3% -21.2% -3.8% 36.8% 55.6% -20.9% 24.6%
EPS 2.20
2.26
2.64
3.04
3.20
2.65
2.44
3.22
4.96
3.93
4.96
growth rate 2.7% 16.8% 15.2% 5.3% -17.2% -7.9% 32.0% 54.0% -20.8% 26.2%
Gross Profit 831.74
767.23
865.33
941.48
941.39
1,064.83
growth rate -7.8% 12.8% 8.8% 0.0% 13.1%

Quarterly Statements

Item Name Jun '19 Sep '19 Dec '19 Mar '20 Jun '20
Earnings BIT
growth rate
Balance Sheet Jun '19 Sep '19 Dec '19 Mar '20 Jun '20
Acct.Receivable 49.80
53.10
58.00
55.60
53.80
growth rate 6.6% 9.2% -4.1% -3.2%
Acct.Payable 19,400.23
19,309.35
21,603.24
21,175.52
24,459.40
growth rate -0.5% 11.9% -2.0% 15.5%
Cur.Assets 1,888.26
1,623.61
3,570.93
2,621.03
3,926.34
growth rate -14.0% 119.9% -26.6% 49.8%
Total Assets 24,016.28
24,143.09
26,561.36
26,244.89
29,753.61
growth rate 0.5% 10.0% -1.2% 13.4%
Cash 706.25
1,121.59
472.96
340.55
462.85
growth rate 58.8% -57.8% -28.0% 35.9%
Inventory 3.25
2.94
2.94
2.88
5.71
growth rate -9.5% -0.1% -1.8% 98.1%
Cur.Liabilities 21,344.77
21,356.97
23,734.75
23,325.75
26,685.58
growth rate 0.1% 11.1% -1.7% 14.4%
Liabilities 21,538.49
21,579.23
23,954.92
23,581.45
26,976.21
growth rate 0.2% 11.0% -1.6% 14.4%
LT Debt 88.57
86.95
97.49
121.58
71.00
growth rate -1.8% 12.1% 24.7% -41.6%
Equity 2,477.79
2,563.87
2,606.44
2,663.44
2,777.40
growth rate 3.5% 1.7% 2.2% 4.3%
Common Shares 55.06
55.06
55.06
55.06
55.06
growth rate 0.0% 0.0% 0.0% 0.0%
Cash Flow Statement Jun '19 Sep '19 Dec '19 Mar '20 Jun '20
Capital Expenditures 12.76
24.90
24.58
17.65
17.71
growth rate 95.1% -1.3% -28.2% 0.3%
Cash Dividends 14.72
14.72
15.22
15.15
14.89
growth rate 0.0% 3.4% -0.4% -1.7%
Cash From OA 87.76
56.55
150.92
9.36
92.33
growth rate -35.6% 166.9% -93.8% 886.6%
Sale Purchase of Stock
growth rate
FCF 75.00
31.64
126.33
-8.29
74.62
growth rate -57.8% 299.2% -100.0% 100.0%
Income Statement Jun '19 Sep '19 Dec '19 Mar '20 Jun '20
Sales 260.81
264.40
280.72
184.37
277.19
growth rate 1.4% 6.2% -34.3% 50.4%
Op.Income 71.59
77.08
81.80
-0.15
73.52
growth rate 7.7% 6.1% -100.0% 100.0%
IBT 67.43
73.00
77.27
-4.25
68.65
growth rate 8.3% 5.9% -100.0% 100.0%
Net Income 56.96
62.38
66.52
-3.44
60.53
growth rate 9.5% 6.6% -100.0% 100.0%
EPS
growth rate
Gross Profit 260.81
264.40
280.72
184.37
277.19
growth rate 1.4% 6.2% -34.3% 50.4%
R&D
growth rate

Growth Grade & Financial Ratios

All financial ratios below are calculated based on latest annual statements available and present the most up to date snapshot of a company finances.

Growth Grade

Historical Growth Grade:

B (68.04)

YOY Growth Grade:

C (51.77)

Click on buttons above for detailed yearly growth rates.

Market Ratios

Profitability Ratios

Liquidity Ratios

Efficiency Ratios

Value Price

PE and EPS

Historical Current Forward
PE 12.40 13.01 12.94
EPS / Growth 13.6% 3.81 -24.6%

Value Price & Investment Recovery Time

Read more about Stock2Own value price in Stock Market: Fundamental Analysis.

Equity Growth Rate: 10.5%

Estimates Pessimistic Moderate Optimistic My Numbers
Rate of Return 15.0%
MOS Price % 50 %
Future EPS Growth 1.0% 8.4% 8.4%
Future PE 2.00 14.03 14.03
Future EPS 4.21 8.52 8.52
Value Price
MOS %
2.08
-95.8%
29.55
-40.4%
29.55
-40.4%
MOS Price 1.04 14.77 14.77
IRT 12.17 8.64 8.64

Graham Number:

NOTE: The Graham Number applies only to certain types of stocks in combination with a number of other criteria.

Read more about Graham Number in Stock Market: Fundamental Analysis.

Price Chart

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Risk / Reward Ratios

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