UMB Financial Corporation cash flow to debt ratio of 27.02% indicates that the company generates enough cash to cover its debts. This level indicates strong financial health.

UMB Financial Corporation's free cash flow has increased 386.43% from $201.08M last year to $978.11M, signaling increasing performance

UMB Financial Corporation's debt to equity ratio is 0.44, which means that the company's assets are healthy financed, signaling financial stability.

UMB Financial Corporation's debt has decreased relative to shareholder equity from 0.86 last year to 0.44 today, signaling strengthened financials

UMB Financial Corporation has a net debt to EBITDA ratio of 2.69x, which is below the 3.00x threshold, indicating healthy leverage and financial stability

UMB Financial Corporation earns at least as much interest as it pays. Interest obligations are fully covered.

UMB Financial Corporation's profit margin has increased (23.53%) in the last year from 16.73% to 20.67%, signaling increasing performance

UMB Financial Corporation's short-term liabilities of $64.93B exceed its short-term assets of $952.55M, signaling financial risk

UMB Financial Corporation's return on assets of 1.30% is lower than the 5.00% threshold, indicating inefficient asset utilization

UMB Financial Corporation's return on equity of 12.17%, is lower than 15.00%, indicating bad performance

UMB Financial Corporation's operating cash flow exceeds its net income, indicating high-quality earnings backed by actual cash generation

UMB Financial Corporation had positive net income in 5 out of 5 years, indicating stable and consistent earnings

UMB Financial Corporation has positive free cash flow, indicating the company generates cash after capital expenditures

UMB Financial Corporation has a free cash flow yield of 8.81%, which is above the 2.00% threshold, indicating strong cash generation relative to market value

UMB Financial Corporation's yearly earnings has increased 59.19% since last year from $441.24M to $702.40M, signaling increasing performance

UMB Financial Corporation's yearly revenue has increased 68.52% since last year from $2.64B to $4.44B, signaling increasing performance

ROIC 1.11% (Source: FMP key-metrics). Below the 5% partial-credit threshold. Score: 0 of 2. The 5% and 10% cutoffs anchor to typical US weighted-average cost of capital. Below 5% indicates the company is not generating returns above its likely cost of capital under this definition of invested capital. Invested capital here includes equity, non-current liabilities (pension obligations, deferred taxes, lease obligations), and short-term debt. Cash is not subtracted. Companies with substantial float, lease portfolios, or cash holdings will score lower under this definition than under narrower operating-capital definitions. See methodology.

UMB Financial Corporation's 3-year revenue CAGR of 41.06% is positive, indicating growing revenue over the past 3 years

UMB Financial Corporation had revenue growth in 4 out of 5 years, indicating consistent revenue performance

UMB Financial Corporation had positive ROE in 5 out of 5 years, indicating consistent and reliable returns on equity

UMB Financial Corporation is undervalued relative to its fair value price of 190.65 based on Discounted Cash Flow model

UMB Financial Corporation has an earnings yield of 8.49%, which is above the 4.00% threshold, indicating the stock offers reasonable value relative to its earnings

UMB Financial Corporation is overvalued relative to its fair value price of 60.09 based on EBITDA multiple model

UMB Financial Corporation has an EV/EBITDA ratio of 13.15x, which is below the 20.00x threshold, indicating reasonable valuation relative to its operating earnings

UMB Financial Corporation is undervalued relative to its fair value price of 238.21 based on Earnings Fair Value model

UMB Financial Corporation has a PEG-ratio over 1 which is considered overvalued

UMB Financial Corporation has a price-to-book ratio of 1.38x, which is below the 5.00x threshold, indicating reasonable valuation relative to its book value

UMB Financial Corporation has a price-to-sales ratio of 2.43x, which is below the 8.00x threshold, indicating reasonable valuation relative to its revenue