UMB Financial Corp (OQ:UMBF)

Valuation Ratios

UMBF
Industry
Sector
Beta
1.02
--
--
Price to Sales - TTM
2.06
2.49
4.67
Price to Book - most recent quarter
0.85
0.88
1.14
Price to Cash Flow per share - TTM
9.40
9.29
10.03
Price to Free Cash Flow per share - TTM
13.73
15.57
15.84

Analysts

Latest
6 Months
1 Year
Consensus Recommendations
BUY
BUY
BUY
Number of Analysts
7.00
7.00
7.00

Dividends

UMBF
Industry
Sector
Dividend Yield - indicated annual
2.64
3.81
5.49
Payout Ratio - TTM
32.90
37.25
57.69

Growth Rate

UMBF
Industry
Sector
Revenue Change % - most recent quarter vs 1 yr ago
0.05
3.87
7.42
Revenue Change % - TTM over TTM
11.27
10.01
10.47
Growth Rate % - revenue 5 yr
18.85
13.15
10.59
EPS Change % - most recent quarter vs 1 yr ago
-105.99
-40.75
-63.03
EPS Change % - TTM over TTM
-3.87
-7.44
-32.65
Growth Rate % - EPS 5 yr13.33
12.35
7.75
--
Growth Rate % - capital spending 5 yr
10.05
10.57
7.94

Financial Strength

UMBF
Industry
Sector
Quick Ratio - most recent quarter
--
--
1.23
Current Ratio - most recent quarter
--
--
1.75
LT Debt/Equity - most recent quarter
4.56
27.23
75.09
Total Debt/Total Equity - most recent quarter
76.12
42.28
95.08
Net Interest Coverage - TTM
--
1.06
-0.19

Profitability Ratios

UMBF
Industry
Sector
Gross Margin % - TTM
--
58.50
58.13
Gross Margin % - 5 yr avg.
--
56.03
61.22
Operation Margin % - TTM
19.42
22.81
-42.58
Operation Margin % - 5 yr avg
22.48
29.84
-21.11
Pretax Margin % - TTM
19.42
23.06
-78.57
Pretax Margin % - 5 yr avg.
22.48
29.79
-32.91
Net Profit Margin % - TTM
16.60
16.02
-80.42
Net Profit Margin % - 5 yr avg.
18.25
22.29
-34.76

Efficiency

UMBF
Industry
Sector
Revenue/Employee - TTM
--
350,376.40
913,955.21
Net Income/Employee - TTM
--
29,178.16
-69,927.56
Receivables Turnover - TTM
--
8.62
14.89
Inventory Turnover - TTM
--
--
14.99
Asset Turnover - TTM
--
0.11
0.25

Management Effectiveness

UMBF
Industry
Sector
Return on Average Assets % - TTM
0.73
0.75
-22.72
Return on Average Assets % - 5 yr avg.
0.81
0.94
-7.75
Return on Investment - TTM
--
0.57
-5.34
Return on Investment - 5 yr avg.
0.81
0.94
-7.75
Return on Average Equity % - TTM
7.28
6.44
-0.93
Return on Average Equity % - 5 yr avg.
8.38
8.69
4.33