UMB Financial Corp
F:UMB
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UMB Financial Corp
F:UMB
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Intrinsic Value
The intrinsic value of 
UMB Financial Corp (UMB) under the Base Case is 118.84 EUR per share.
Compared with the current market price of 118 EUR, the stock appears
Undervalued by 1% .
The intrinsic value is calculated using the DCF method.
Do our valuations actually work? See backtest results .
Cheap or expensive for this stock?
This block shows whether today’s valuation is cheap or expensive compared with the stock’s own history, and what happened after similar valuations in the past.
We compare the gap between the stock’s price and our estimated value over time.
- Undervalued can still be historically expensive. The stock may trade below our estimated value, but usually offer an even bigger discount.
- Overvalued can still be historically cheap. The stock may trade above our estimated value, but usually carry an even higher premium.
Market expectations can differ from our model, which may not fully capture everything affecting the price. That is why some stocks regularly trade above our estimated value and others below it.
The scale and chart show how today’s valuation compares with the past. The cards summarize past returns and waiting times until the stock stopped being cheap or expensive. This can happen because the price changed, our estimated value changed, or both.
Only completed periods are included. These are past results, not forecasts. The usual historical range does not necessarily mean fair value.
Fundamental Analysis
What UMB Financial Does
UMB Financial Corp is a bank holding company that makes money in three main ways: taking deposits, making loans, and charging fees for banking and financial services. Through its bank and related businesses, it serves people, small and mid-sized businesses, and larger institutional clients that need cash management, lending, and treasury services.
- Headquarters
- United States of America US
- Employees
- 5 222
- IPO date
- Mar 17, 1980
UMB Financial has no economic moat
Customers can compare banking providers and take their deposits, borrowing, or payment business to rivals offering better terms or convenience. UMB’s customer base and geographic reach do not make its services uniquely valuable or establish a protected pricing or cost edge.
Read the full moat analysisLatest Earnings Call
- EPS
- $3.57
- Expected
- $3.08
- Surprise
- +15.9%
- Stock, day of the call
- +2.4%
The intrinsic value for UMB Financial Corp (UMB) under the Base Case is 118.84 EUR.
Compared with the current market price of 118 EUR, the stock appears Undervalued by 1% .