UMB Financial Corporation (UMBF) Stock Analysis — PE Ratio, PS Ratio, Intrinsic Value & 2030 Price Target
UMB Financial Corporation stock (UMBF) is currently trading at $112.72. UMB Financial Corporation PE ratio is 12.02. UMB Financial Corporation PS ratio (Price-to-Sales) is 3.40. Analyst consensus price target for UMBF is $144.23. WallStSmart rates UMBF as Buy.
- UMBF PE ratio analysis and historical PE chart
- UMBF PS ratio (Price-to-Sales) history and trend
- UMBF intrinsic value — DCF, Graham Number, EPV models
- UMBF stock price prediction 2025 2026 2027 2028 2029 2030
- UMBF fair value vs current price
- UMBF insider transactions and insider buying
- Is UMBF undervalued or overvalued?
- UMB Financial Corporation financial analysis — revenue, earnings, cash flow
- UMBF Piotroski F-Score and Altman Z-Score
- UMBF analyst price target and Smart Rating
UMB Financial Corporation
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UMBF Intrinsic Value Analysis for Value Investors
Benjamin Graham Formula · UMB Financial Corporation (UMBF)
UMBF trades at a significant discount to its Graham intrinsic value of $250.46, offering a 47% margin of safety — a level value investors typically seek before buying.
Based on Benjamin Graham Formula. Growth rate capped at 25%. For informational purposes only. Not financial advice.
Smart Analysis
UMB Financial Corporation (UMBF) · 10 metrics scored
Smart Score
Category Performance
WallStSmart pulls financial metrics like revenue growth, profit margins, and valuation ratios and scores each one from 0 to 10 based on how strong or weak it is. Those 10 scores are grouped into 4 categories: Growth, Profitability, Valuation, and Quality — which form the 4 axes of the spider chart you see. The categories are then combined into a final score out of 100, but not equally. Growth and Profitability together count for 60% of the total, because a fast-growing profitable business matters more than just a cheap one. That final number maps to a rating (Strong Buy, Buy, Hold, Avoid) and a letter grade, giving you one clear Stock Rating.
Investment Thesis
Strong fundamentals in operating margin, price/book, revenue growth. Overall metrics suggest strong investment potential with favorable risk/reward.
UMB Financial Corporation (UMBF) Key Strengths (6)
Keeps $43 of every $100 in revenue after operating costs
Revenue surging 67.60% year-over-year
Keeps $28 of every $100 in revenue as net profit
95.43% of shares held by major funds and institutions
Trading at 1.12x book value, attractively priced
Mid-cap company balancing growth potential with stability
Supporting Valuation Data
UMB Financial Corporation (UMBF) Areas to Watch (4)
Paying a premium for growth, expensive relative to earnings expansion
Moderate profitability with room for improvement
Revenue is fairly priced at 3.40x sales
Solid earnings growth at 12.60%
UMB Financial Corporation (UMBF) Detailed Analysis Report
Overall Assessment
This company scores 75/100 in our Smart Analysis, earning a B+ grade. Out of 10 metrics analyzed, 6 register as strengths (avg 9.2/10) while 4 fall into concern territory (avg 5.3/10). All four categories (Growth, Profitability, Valuation, and Quality) show healthy scores, indicating broadly sound fundamentals.
The Bull Case
The strongest argument centers on Operating Margin, Revenue Growth, Profit Margin. Valuation metrics including Price/Book (1.12) suggest the stock is attractively priced. Profitability is solid with Operating Margin at 43.00%, Profit Margin at 28.10%. Growth metrics are encouraging with Revenue Growth at 67.60%.
The Bear Case
The primary concerns are PEG Ratio, Return on Equity, Price/Sales. Some valuation metrics including PEG Ratio (2.54), Price/Sales (3.40) suggest expensive pricing. Growth concerns include EPS Growth at 12.60%, which may limit upside. Profitability pressure is visible in Return on Equity at 12.60%.
Key Dynamics to Monitor
Three factors to monitor going forward. First, whether PEG Ratio improves, as this is the primary drag on the overall score. Second, margin trajectory, with Return on Equity at 12.60% needing improvement to support the investment thesis. Third, growth sustainability, with Revenue Growth at 67.60% strong but requiring continuation.
Risk Considerations
Based on the metric profile, this is a moderate risk investment. The weight of evidence leans positive, with more strengths than concerns. Investors should size positions according to their risk tolerance and maintain diversification.
Bottom Line
The combination of Operating Margin and Revenue Growth makes a compelling case at current levels. The key risk is PEG Ratio, but the overall fundamental picture is positive with a clear path to maintaining or improving the current B+ grade.
Disclaimer: Smart Analysis is a scoring system developed by WallStSmart Team. Scores update daily using multi-model valuation framework. Always conduct your own research and consult with financial advisors before making investment decisions.
UMBF Price-to-Sales(PS) Ratio Chart
Historical valuation based on market cap ÷ trailing 12-month revenue
UMBF's Price-to-Sales ratio of 3.40x trades 35% below its historical average of 5.27x (2th percentile). The current valuation is 67% below its historical high of 10.19x set in Mar 2006, and 3% above its historical low of 3.32x in Mar 2026.
WallStSmart Analysis Synopsis
Data-driven financial summary for UMB Financial Corporation (UMBF) · FINANCIAL SERVICES › BANKS - REGIONAL
The Big Picture
UMB Financial Corporation is a strong growth company balancing expansion with improving profitability. Revenue reached 2.5B with 68% growth year-over-year. Profit margins are strong at 28.1%, reflecting pricing power and operational efficiency.
Key Findings
Revenue growing at 68% YoY, reaching 2.5B. This pace significantly outperforms most BANKS - REGIONAL peers.
ROE of 1260.0% means the company generates strong returns on shareholder equity. Above 20% is considered top-tier.
What to Watch Next
Growth sustainability: can UMB Financial Corporation maintain 68%+ revenue growth, or will competition slow it down?
Debt management: total debt of 3.8B is significantly higher than cash (953M). Monitor refinancing risk.
Sector dynamics: monitor BANKS - REGIONAL industry trends, competitive moves, and regulatory changes that could impact UMB Financial Corporation.
Bottom Line
UMB Financial Corporation offers an attractive blend of growth (68% revenue expansion) and improving fundamentals. The company is transitioning from pure growth to profitable growth, a critical inflection point. Watch for sustained margin expansion as the key signal.
This synopsis is generated from publicly available financial data. It is not financial advice. Always conduct your own research and consult a qualified financial advisor before making investment decisions.
Insider Transactions
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About UMB Financial Corporation(UMBF)
NASDAQ
FINANCIAL SERVICES
BANKS - REGIONAL
USA
UMB Financial Corporation is the holding company of UMB Bank providing various banking and other financial services. The company is headquartered in Kansas City, Missouri.