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Upturn AI SWOT - About
UMBF 
UMB Financial Corporation (UMBF)
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Upturn Advisory Summary
03/06/2025: UMBF (2-star) is currently NOT-A-BUY. Pass it for now.
Upturn Star Rating
Below Average Performance
These Stocks/ETFs, based on Upturn Advisory, often underperform the market, warranting careful consideration before investing.
AI Based Fundamental Rating
Below Average Performance
These Stocks/ETFs, based on Upturn Advisory, often underperform the market, warranting careful consideration before investing.
Analysis of Past Performance
Type Stock | Historic Profit 9.13% | Avg. Invested days 62 | Today’s Advisory PASS |
Upturn Star Rating | Upturn Advisory Performance  2.0 | Stock Returns Performance  2.0 |
| Profits based on simulation | Last Close 03/06/2025 |
Key Highlights
Company Size Mid-Cap Stock | Market Capitalization 7.30B USD | Price to earnings Ratio 11.18 | 1Y Target Price 136.11 |
Price to earnings Ratio 11.18 | 1Y Target Price 136.11 | ||
Volume (30-day avg) 949663 | Beta 0.81 | 52 Weeks Range 74.81 - 129.02 | Updated Date 04/1/2025 |
52 Weeks Range 74.81 - 129.02 | Updated Date 04/1/2025 | ||
Dividends yield (FY) 1.58% | Basic EPS (TTM) 8.99 |
Analyzing Revenue: Products, Geography and Growth
Revenue by Products
Product revenue - Year on Year
Earnings Date
Report Date - | When - | Estimate - | Actual - |
Profitability
Profit Margin 28.14% | Operating Margin (TTM) 36.61% |
Management Effectiveness
Return on Assets (TTM) 0.94% | Return on Equity (TTM) 13.44% |
Valuation
Trailing PE 11.18 | Forward PE 10.31 | Enterprise Value 8963255296 | Price to Sales(TTM) 4.66 |
Enterprise Value 8963255296 | Price to Sales(TTM) 4.66 | ||
Enterprise Value to Revenue 5.24 | Enterprise Value to EBITDA - | Shares Outstanding 72655200 | Shares Floating 69480635 |
Shares Outstanding 72655200 | Shares Floating 69480635 | ||
Percent Insiders 5.65 | Percent Institutions 72.11 |
Analyst Ratings
Rating 4.11 | Target Price 138.67 | Buy 4 | Strong Buy 3 |
Buy 4 | Strong Buy 3 | ||
Hold 2 | Sell - | Strong Sell - | |
Strong Sell - |
Upturn AI SWOT
UMB Financial Corporation
Company Overview
History and Background
UMB Financial Corporation was founded in 1913 as City Center Bank in Kansas City, Missouri. Over the years, it grew through acquisitions and expansions, transforming into a diversified financial services company.
Core Business Areas
- Commercial Banking: Provides lending, deposit accounts, and cash management services to businesses.
- Personal Banking: Offers retail banking services including checking and savings accounts, loans, and wealth management.
- Institutional Banking: Provides services to institutional clients, including asset servicing, fund administration, and investment banking.
- Wealth Management: Offers investment advisory, financial planning, and trust services to high-net-worth individuals and families.
Leadership and Structure
UMB's leadership team consists of experienced executives in banking and financial services. The company is structured with a board of directors overseeing operations.
Top Products and Market Share
Key Offerings
- Commercial Loans: UMB offers a range of commercial loan products. Competitors include large national banks and other regional banks. Market share data is not readily available at the product level.
- Deposit Accounts: UMB provides checking, savings, and money market accounts for businesses and individuals. Competitors include large national banks. Market share data is not readily available at the product level.
- Asset Servicing: UMB offers asset servicing solutions. Competitors include State Street Corporation (STT) and BNY Mellon (BK). Market share data is not readily available at the product level.
Market Dynamics
Industry Overview
The banking industry is currently facing increased competition, regulatory scrutiny, and evolving customer expectations. Interest rate fluctuations also impact profitability.
Positioning
UMB Financial Corporation positions itself as a relationship-focused regional bank with a strong presence in the Midwest and Southwest, differentiating through customer service and specialized offerings.
Total Addressable Market (TAM)
The TAM for regional banking in the US is in the hundreds of billions of dollars. UMB is positioned to capture a portion of this market through organic growth and strategic acquisitions.
Upturn SWOT Analysis
Strengths
- Strong regional presence
- Diversified business model
- Relationship-focused approach
- Solid capital base
Weaknesses
- Smaller scale compared to national banks
- Geographic concentration
- Vulnerability to regional economic downturns
- Limited international presence
Opportunities
- Expansion into new markets
- Increased demand for wealth management services
- Technological innovation
- Strategic acquisitions
Threats
- Increased competition from larger banks and fintech companies
- Regulatory changes
- Economic downturns
- Cybersecurity threats
Competitors and Market Share
Key Competitors
- CMA
- HBAN
- RF
- FITB
- KEY
Competitive Landscape
UMB competes with larger national banks and other regional banks. Its advantages include a strong regional presence and relationship-focused approach.
Major Acquisitions
Heartland Financial USA Inc.
- Year: 2024
- Acquisition Price (USD millions): 2000
- Strategic Rationale: Expansion and strategic opportunity to grow into new territories.
Growth Trajectory and Initiatives
Historical Growth: UMB has experienced consistent growth through organic initiatives and acquisitions.
Future Projections: Analyst estimates project continued growth in revenue and earnings.
Recent Initiatives: Recent initiatives include investments in technology and expansion into new markets.
Summary
UMB Financial Corporation shows moderate strength due to its consistent growth and diversified business model. Its regional focus and relationship-driven approach are working well, however, the company needs to watch out for increased competition from larger national banks and evolving technological advancements. Strategic acquisitions will play a key role in their growth. Consistent dividend payouts create a strong shareholder base.
Similar Companies
BAC
Bank of America Corp
BAC
Bank of America Corp
CMA
Comerica Inc
CMA
Comerica Inc
FITB
Fifth Third Bancorp
FITB
Fifth Third Bancorp
HBAN
Huntington Bancshares Incorporated
HBAN
Huntington Bancshares Incorporated
JPM
JPMorgan Chase & Co
JPM
JPMorgan Chase & Co
KEY
KeyCorp
KEY
KeyCorp
RF
Regions Financial Corporation
RF
Regions Financial Corporation
WFC
Wells Fargo & Company
WFC
Wells Fargo & Company
Sources and Disclaimers
Data Sources:
- Company filings, Analyst reports, Financial news sources such as Yahoo Finance, Google Finance and Company Website
Disclaimers:
This analysis is based on publicly available information and is not financial advice. Investment decisions should be made after consulting with a qualified financial advisor.
AI Summarization is directionally correct and might not be accurate.
Summarized information shown could be a few years old and not current.
Fundamental Rating based on AI could be based on old data.
AI-generated summaries may have inaccuracies (hallucinations). Please verify the information before taking action.
About UMB Financial Corporation
Exchange NASDAQ | Headquaters Kansas City, MO, United States | ||
IPO Launch date 1990-03-27 | Chairman & CEO Mr. J. Mariner Kemper | ||
Sector Financial Services | Industry Banks - Regional | Full time employees 3698 | Website https://www.umb.com |
Full time employees 3698 | Website https://www.umb.com | ||
UMB Financial Corporation operates as the bank holding company that provides banking services and asset servicing in the United States and internationally. The Commercial Banking segment provides commercial loans and credit card; commercial real estate financing; letters of credit; loan syndication, and consultative service; various business solutions including asset-based lending, mezzanine debt, and minority equity investment; and treasury management service, such as depository service, account reconciliation, cash management tool, accounts payable and receivable solution, electronic fund transfer and automated payment, controlled disbursement, lockbox service, and remote deposit capture service. The Institutional Banking segment offers banking, fund, asset management, and healthcare service to institutional clients; and fund administration and accounting, investor service and transfer agency, alternative investment service, fixed income sale, trading and underwriting, and corporate trust and escrow service, as well as institutional custody service. This segment also provides healthcare payment solution includes custodial service for health saving accounts and private label, multipurpose debit cards to insurance carriers, third-party administrator, software companies, employers, and financial institutions. The Personal Banking segment offers deposit account, retail credit card, private banking, installment loan, home equity line of credit, residential mortgage, as well as internet banking, ATM network, private banking, brokerage and insurance service, and investment advisory, trust, and custody services. It operates through a network of branches and offices. The company was founded in 1913 and is headquartered in Kansas City, Missouri.
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