📊 UMBFO Key Takeaways
Is Umb Financial Corp. (UMBFO) a Good Investment?
UMB Financial demonstrates strong revenue growth (+80% YoY) and exceptional free cash flow generation ($978M), but profitability gains are severely lagging with net income growing only 2.6% YoY, suggesting acquisition integration challenges or deteriorating business fundamentals. The concerning 1.5x interest coverage ratio and below-average ROE of 9.1% indicate leverage stress and diminishing operational efficiency despite substantial topline expansion.
Why Buy Umb Financial Corp. Stock? UMBFO Key Strengths
- Exceptional free cash flow generation at $978.1M with 29.2% FCF margin
- Conservative capital structure with only 0.06x debt-to-equity ratio
- Strong net profit margin of 20.9% on expanded revenue base
- Robust operating cash flow of $1.0B demonstrating cash conversion capability
UMBFO Stock Risks: Umb Financial Corp. Investment Risks
- Critical concern: 1.5x interest coverage ratio indicates insufficient operating income to comfortably service debt obligations
- Severe profit growth deceleration - 80% revenue growth translating to only 2.6% net income growth signals operational leverage failure or significant one-time integration charges
- Below-sector ROE of 9.1% and declining ROA suggest deteriorating asset quality or profitability from acquisition integration
- Elevated insider trading activity (65 Form 4 filings in 90 days) warrants scrutiny on insider sentiment
Key Metrics to Watch
- Net income growth trajectory in next quarters to confirm if acquisition integration improves profitability conversion
- Interest coverage ratio trend - must improve above 2.0x to reduce financial distress risk
- Return on equity recovery - needs to exceed 10% to demonstrate improved capital efficiency post-acquisition
Umb Financial Corp. (UMBFO) Financial Metrics & Key Ratios
💡 AI Analyst Insight
The 29.2% free cash flow margin provides substantial flexibility for dividends, buybacks, and strategic investments. The current ratio below 1.0x warrants monitoring of short-term liquidity.
UMBFO Profit Margin, ROE & Profitability Analysis
UMBFO vs Finance Sector: How Umb Financial Corp. Compares
How Umb Financial Corp. compares to Finance sector averages
Sector benchmarks are approximate industry averages. Actual sector performance may vary.
Is Umb Financial Corp. Stock Overvalued? UMBFO Valuation Analysis 2026
Based on fundamental analysis, Umb Financial Corp. has mixed fundamental signals relative to the Finance sector in 2026.
Note: This is a fundamental analysis based on SEC filings. For P/E ratio, price targets, and market-based valuation, consult financial data providers. This is not investment advice.
Umb Financial Corp. Balance Sheet: UMBFO Debt, Cash & Liquidity
UMBFO Revenue & Earnings Growth: 5-Year Financial Trend
5-Year Trend Summary: Umb Financial Corp.'s revenue has remained relatively flat over the 5-year period, with a 0% decline. The most recent EPS of $7.18 reflects profitable operations.
UMBFO Revenue Growth, EPS Growth & YoY Performance
Umb Financial Corp. Dividends, Buybacks & Capital Allocation
UMBFO SEC Filings: Latest 10-K & 10-Q Analysis
Access official SEC EDGAR filings for Umb Financial Corp. (CIK: 0000101382)
📋 Recent SEC Filings
❓ Frequently Asked Questions about UMBFO
What is the AI rating for UMBFO?
Umb Financial Corp. (UMBFO) has an AI rating of HOLD with 65% confidence, based on fundamental analysis of SEC EDGAR filings.
What are UMBFO's key strengths?
Claude: Exceptional free cash flow generation at $978.1M with 29.2% FCF margin. Conservative capital structure with only 0.06x debt-to-equity ratio.
What are the risks of investing in UMBFO?
Claude: Critical concern: 1.5x interest coverage ratio indicates insufficient operating income to comfortably service debt obligations. Severe profit growth deceleration - 80% revenue growth translating to only 2.6% net income growth signals operational leverage failure or significant one-time integration charges.
What is UMBFO's revenue and growth?
Umb Financial Corp. reported revenue of $3.4B.
Does UMBFO pay dividends?
Umb Financial Corp. pays dividends, with $135.6M distributed to shareholders in the trailing twelve months.
Where can I find UMBFO SEC filings?
Official SEC filings for Umb Financial Corp. (CIK: 0000101382) including 10-K, 10-Q, and 8-K reports are available on SEC EDGAR.
What is UMBFO's EPS?
Umb Financial Corp. has a diluted EPS of $9.29.
How is the AI analysis conducted?
Two independent AI systems — Claude (Anthropic) and ChatGPT (OpenAI) — analyze SEC EDGAR filings including 10-K annual reports and 10-Q quarterly reports. Each AI evaluates financial health, profitability ratios, balance sheet strength, and growth metrics. The combined rating reflects both perspectives for balanced insights.
Is UMBFO a good stock to buy right now?
Based on our AI fundamental analysis in April 2026, Umb Financial Corp. has a HOLD rating with 65% confidence. Review the strengths and risks sections above before making a decision. This is not investment advice.
Is UMBFO stock overvalued or undervalued?
Valuation metrics for UMBFO: ROE of 9.1% (sector avg: 12%), net margin of 20.9% (sector avg: 25%). Compare these metrics with sector averages to assess valuation.
Should I buy UMBFO stock in 2026?
Our dual AI analysis gives Umb Financial Corp. a combined HOLD rating for 2026. Revenue is data pending, with profitability at or below sector average. Always conduct your own research.
What is UMBFO's free cash flow?
Umb Financial Corp.'s operating cash flow is $1.0B, with capital expenditures of $48.6M. FCF margin is 29.2%.
How does UMBFO compare to other Finance stocks?
Vs Finance sector averages: Net margin 20.9% (avg: 25%), ROE 9.1% (avg: 12%), current ratio N/A (avg: 1.2).