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Intrinsic value of UMB Financial Corporation (UMBF)

Previous Close$93.19
Intrinsic Value
Upside potential
Previous Close
$93.19
* Our model cannot be used “out of the box” for the valuation of this stock. You can still do your own valuation by changing the valuation input parameters.

VALUATION INPUT DATA (original, your and others' valuations)

ParameterOrig.Your
Date of valuation (DoV)  
Intrinsic value (IV) at DoV, $/sh  
IV at current val. algorithm, $/sh71.35 

The original valuation is based on fiscal year data as of 2021-12-31 and quarterly data as of 2022-03-31.

Registered users can save their valuation input data

  1. Annual
  2. Quarterly YoY
  3. Quarterly QoQ

Annual revenue growth rates, % (past and forecasted)

NOTE: The bar chart shows historic and forecasted yearly revenue growth rates. Its purpose is to help you in determining what initial revenue rate you want to base your stock valuation on. Please make sure that you are confident in the value you select - for most stocks it is by far the most important parameter in valuation.

Company description

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.

show cash flow forecast

FINANCIAL STATEMENTS FORECAST and PRESENT VALUE CALCULATION

Fiscal year2021(a)2022202320242025202620272028202920302031203220332034203520362037203820392040204120422043204420452046

INCOME STATEMENT

Revenue growth rate, %9.2NaN
Revenue, $1286NaN
Variable operating expenses, $mNaN
Fixed operating expenses, $mNaN
Total operating expenses, $m857NaN
Operating income, $m429NaN
EBITDA, $m539NaN
Interest expense (income), $mNaN
Earnings before tax, $m429NaN
Tax expense, $m76NaN
Net income, $m353NaN

BALANCE SHEET

Cash and short-term investments, $m10504NaN
Total assets, $m42789NaN
Adjusted assets (=assets-cash), $m32285NaN
Average production assets, $m538NaN
Working capital, $m-11475NaN
Total debt, $m3575NaN
Total liabilities, $m39644NaN
Total equity, $m3145NaN
Debt-to-equity ratio1.137NaN
Adjusted equity ratio-0.127NaN

CASH FLOW

Net income, $m353NaN
Depreciation, amort., depletion, $m110NaN
Funds from operations, $mNaN
Change in working capital, $mNaN
Cash from operations, $m534NaN
Maintenance CAPEX, $mNaN
New CAPEX, $mNaN
Total CAPEX, $m-30NaN
Free cash flow, $m564NaN
Issuance/(repurchase) of shares, $mNaN
Retained Cash Flow, $mNaN
Pot'l extraordinary dividend, $m-11475
Cash available for distribution, $mNaN
Discount rate, %NaN
PV of cash for distribution, $mNaN
Current shareholders' claim on cash, %NaN
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