Company Valuation: UMB Financial Corporation

Data adjusted to current consolidation scope
Fiscal Period: December 2021 2022 2023 2024 2025 2026 2027 2028
Capitalization 1 5,131 4,035 4,055 5,507 8,738 9,452 - -
Change - -21.36% 0.49% 35.83% 58.66% 8.17% - -
Enterprise Value (EV) 5,131 4,035 4,055 5,507 8,738 9,452 9,452 9,452
Change - -21.36% 0.49% 35.83% 58.66% 8.17% 0% 0%
P/E ratio 14.7x 9.43x 11.6x 12.6x 12.4x 10.2x 9.36x 8.42x
PBR 1.63x 1.51x 1.31x 1.59x 1.18x 1.14x 1.03x 0.9x
PEG - 0.4x -0.6x 0.5x 3.72x 0.3x 1.07x 0.7x
Capitalization / Revenue 4x 2.75x 2.72x 3.33x 3.25x 3.27x 3.06x 2.83x
EV / Revenue 0x 0x 0x 0x 0x 3.27x 3.06x 2.83x
EV / EBITDA - - - - - - - -
EV / EBIT 0x 0x 0x 0x 0x 7.16x 6.53x 6.05x
EV / FCF - - - - - - - -
FCF Yield - - - - - - - -
Dividend per Share 2 1.38 1.49 1.53 1.57 1.63 1.718 1.78 1.75
Rate of return 1.3% 1.78% 1.83% 1.39% 1.42% 1.38% 1.43% 1.41%
EPS 2 7.24 8.86 7.18 8.99 9.29 12.2 13.26 14.75
Distribution rate 19.1% 16.8% 21.3% 17.5% 17.5% 14.1% 13.4% 11.9%
Net sales 1 1,283 1,468 1,488 1,655 2,685 2,894 3,092 3,336
EBITDA - - - - - - - -
EBIT 1 449.1 571.5 524.8 625.8 1,165 1,320 1,447 1,562
Net income 1 353 431.7 350 441.2 684.6 922.4 1,007 1,157
Net Debt - - - - - - - -
Reference price 2 106.11 83.52 83.55 112.86 115.04 124.14 124.14 124.14
Nbr of stocks (in thousands) 48,359 48,312 48,531 48,798 75,955 76,137 - -
Announcement Date 25/01/22 24/01/23 30/01/24 28/01/25 27/01/26 - - -
1USD in Million2USD
Estimates

P/E ratio, Detailed evolution

P/E (Y) EV / Sales (Y) EV / EBITDA (Y) Dividend Yield (Y) Capi.($)
10.18x - - 1.38% 945.16Cr
6.5x - - 4.75% 36TCr
19.48x - - 0.9% 10TCr
15.31x - - 4.48% 8.19TCr
6.72x - - 4.69% 6.53TCr
7.6x - - 6.78% 6.28TCr
5.03x - - 5.89% 5.7TCr
13.23x - - 5.25% 4.64TCr
9.95x - - 4.22% 4.59TCr
16.38x - - 3.2% 4.62TCr
Average 11.04x 4.15% 8.8TCr
Weighted average by Cap. 9.95x 4.36%

Y-o-Y evolution of P/E

Historical PBR trend

Evolution Enterprise Value / Sales

Change in Enterprise Value/EBITDA

Year-on-year evolution of the Yield

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  4. Valuation UMB Financial Corporation