UMB Financial Corporation Financial Ratios — UMBF Stock

Profitability (USD)

	2011 Y	2012 Y	2013 Y	2014 Y	2015 Y	2016 Y	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
Return on Common Equity (%)	14.88	15.39	15.04	12.32	11.01	13.89	19.07	13.32	14.89	15.6	16.9	17.9	12.83	14.48	19.44
Return on Assets (%)	0.82	0.86	0.84	0.7	0.63	0.8	1.16	0.87	0.98	0.96	0.93	1.06	0.85	0.93	1.14
Return on Capital (%)	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Return on Invested Capital (%)	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Gross Margin (%)	100	100	100	100	100	100	100	100	100	100	100	100	100	100	100
EBITDA Margin (%)	6.45	5.76	5.9	6	7.26	6.49	5.96	5.61	5.47	5.16	4.66	3.97	4.43	3.6	5.83
Operating Margin (%)	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Incremental Operating Margin (%)	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Pretax Margin (%)	21.99	24.01	24.62	21.48	17.66	23.61	25.67	23.59	27.82	27.82	35.87	39.13	31.8	36.9	36.01
Profit Margin (%)	15.99	17.31	17.89	15.61	15.98	18.88	26.84	20.63	23.7	23.52	29.52	31.75	26.4	30.08	28.91
Net Income to Common Margin (%)	15.99	17.31	17.89	15.61	15.98	18.88	26.84	20.63	23.7	23.52	29.52	31.75	26.4	30.08	28.17
Effective Tax Rate (%)	27.25	27.91	27.35	27.34	24.73	22.64	22.58	12.22	14.81	15.46	17.72	18.86	16.98	18.48	19.72
Dvd Payout Ratio (%)	29.87	27.53	27	34.28	47.61	31.92	28.35	29.69	24.4	21.04	18.91	16.69	21.21	17.48	17.21
Sustainable Growth Rate (%)	10.43	11.15	10.98	8.1	5.77	9.45	13.67	9.36	11.26	12.32	13.7	14.91	10.11	11.95	16.09

Credit (USD)

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	2011 Y	2012 Y	2013 Y	2014 Y	2015 Y	2016 Y	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
Total Debt	19	6	5	9	91	77	79	83	70	270	272	381	1,383	309	254
ST Debt	12	- -	- -	- -	5	- -	- -	- -	- -	- -	- -	- -	1,000	- -	- -
LT Debt	7	6	5	9	86	77	79	83	70	270	272	381	383	309	254
Total Debt/EBITDA	0.43	0.14	0.12	0.19	1.73	1.41	1.44	1.56	1.25	4.29	4.87	7.06	23.56	5.85	1.79
Net Debt/EBITDA	-37.08	-33.84	-59.01	-42.6	-16.87	-19.45	-30.35	-30.32	-28.94	-52.08	-161.16	-24.04	-71.93	-156.35	-53.88
Total Debt/EBIT	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Net Debt/EBIT	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EBITDA to Interest Expense	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EBITDA-CapEx/Interest Expense	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EBIT to Interest Expense	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Interest Expense	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Common Equity/Total Assets	5.56	5.64	5.56	5.82	5.7	5.79	6.4	6.61	6.5	5.88	5.23	6.73	6.51	6.41	5.22
Long-Term Debt/Equity (%)	0.55	0.46	0.34	0.54	4.55	3.91	3.63	3.71	2.7	8.94	8.63	14.3	12.36	8.9	3.3
Long-Term Debt/Capital (%)	0.85	0.69	0.54	0.86	7.29	6.02	5.38	5.08	3.91	12.17	10.85	12.83	9.02	8.72	5.83
Long-Term Debt/Total Assets (%)	0.05	0.04	0.03	0.05	0.45	0.37	0.36	0.35	0.26	0.81	0.64	0.99	0.87	0.61	0.35
Total Debt/Equity (%)	1.56	0.46	0.34	0.54	4.81	3.91	3.63	3.71	2.7	8.94	8.63	14.3	44.61	8.9	3.3
Total Debt/Capital (%)	2.4	0.69	0.55	0.86	7.72	6.02	5.38	5.08	3.91	12.17	10.85	12.83	32.55	8.72	5.83
Total Debt/Total Assets (%)	0.14	0.04	0.03	0.05	0.48	0.37	0.36	0.35	0.26	0.81	0.64	0.99	3.14	0.61	0.35
Net Debt to Equity	-133.66	-108.05	-173.25	-120.14	-47	-54.08	-76.33	-72.26	-62.46	-108.42	-285.63	-48.69	-136.23	-238.02	-99.29
Net Debt/Capital (%)	189.74	255.85	156.28	206.6	-447.17	-775.84	612.13	2,410.46	-1,637.61	246.91	133.06	-100.45	311.06	164.33	216.41
EBITDA	43	41	44	46	53	55	55	53	56	63	56	54	59	53	142
EBITDA-CapEx	7	-3	6	2	-1	4	18	-5	-16	3	22	2	36	33	93
Operating Income (Loss)	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -

Liquidity (USD)

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	2011 Y	2012 Y	2013 Y	2014 Y	2015 Y	2016 Y	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
Cash Ratio	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Current Ratio	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Quick Ratio	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
CFO/Avg Current Liab	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Common Equity/Total Assets	5.56	5.64	5.56	5.82	5.7	5.79	6.4	6.61	6.5	5.88	5.23	6.73	6.51	6.41	5.22
Long-Term Debt/Equity (%)	0.55	0.46	0.34	0.54	4.55	3.91	3.63	3.71	2.7	8.94	8.63	14.3	12.36	8.9	3.3
Long-Term Debt/Capital (%)	0.85	0.69	0.54	0.86	7.29	6.02	5.38	5.08	3.91	12.17	10.85	12.83	9.02	8.72	5.83
Long-Term Debt/Total Assets (%)	0.05	0.04	0.03	0.05	0.45	0.37	0.36	0.35	0.26	0.81	0.64	0.99	0.87	0.61	0.35
Total Debt/Equity (%)	1.56	0.46	0.34	0.54	4.81	3.91	3.63	3.71	2.7	8.94	8.63	14.3	44.61	8.9	3.3
Total Debt/Capital (%)	2.4	0.69	0.55	0.86	7.72	6.02	5.38	5.08	3.91	12.17	10.85	12.83	32.55	8.72	5.83
Total Debt/Total Assets (%)	0.14	0.04	0.03	0.05	0.48	0.37	0.36	0.35	0.26	0.81	0.64	0.99	3.14	0.61	0.35
CFO/Total Liabilities	1.73	1.64	1.92	1.55	1.23	1.58	1.67	1.4	1.42	1.24	1.35	2.15	1.16	0.48	1.57
CFO/CapEx	5.99	5.08	7.7	5.48	3.94	5.83	8.96	5.1	4.7	6.2	15.85	14.88	20.46	11.26	21.13
Altman's Z-Score	0.2	0.2	0.22	0.22	0.19	0.24	0.24	0.22	0.21	0.18	0.18	0.2	0.18	0.19	0.19

Working Capital (USD)

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	2011 Y	2012 Y	2013 Y	2014 Y	2015 Y	2016 Y	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
Accounts Receivable Turnover	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Days Sales Outstanding	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Inventory Turnover	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Days Inventory Outstanding	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Accounts Payable Turnover	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Accounts Payable Turnover Days	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Cash Conversion Cycle	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Inventory to Cash Days	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Inventories	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Raw Materials	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Work In Process	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Finished Goods	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Other Inventory	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -

Enterprise Value (USD)

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	2011 Y	2012 Y	2013 Y	2014 Y	2015 Y	2016 Y	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
Market Capitalization	1,491	1,754	2,653	2,551	2,194	3,766	3,540	3,008	3,348	3,321	5,122	4,037	4,052	5,502	8,428
- Cash & Cash Equivalents	1,611	1,388	2,614	1,984	981	1,138	1,744	1,693	1,698	3,541	9,256	1,680	5,607	8,559	7,893
+ Preferred Equity and Hybrid Capital	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	294
+ Minority/Non Controlling Interest	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Total Debt	19	6	5	9	91	77	79	83	70	270	272	381	1,383	309	254
Enterprise Value	-6,209	-6,566	-6,719	-6,336	-5,503	-3,762	-4,384	-5,145	-5,727	-9,250	-15,839	-4,267	-7,240	-10,524	-7,694
Total Capital	772	848	945	1,028	1,180	1,275	1,472	1,626	1,798	2,216	2,504	2,972	4,249	3,539	4,363
Total Debt/Capital (%)	2.4	0.69	0.55	0.86	7.72	6.02	5.38	5.08	3.91	12.17	10.85	12.83	32.55	8.72	5.83
Total Debt / EV	- -	- -	- -	- -	-0.02	-0.02	-0.02	-0.02	-0.01	-0.03	-0.02	-0.09	-0.19	-0.03	-0.03
EV/Sales	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/EBITDA	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/EBIT	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/Cash Flow to Firm	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/Free Cash Flow to Firm	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Diluted Market Cap	1,502	1,754	2,653	2,590	2,215	3,800	3,584	3,035	3,370	3,335	5,172	4,071	4,074	5,537	8,475
Diluted Enterprise Value	-90	372	44	615	1,325	2,739	1,919	1,424	1,741	64	-3,813	2,773	-150	-2,714	1,130
EV per Share	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
TTM Sales	666	709	749	773	726	841	921	948	1,028	1,218	1,196	1,359	1,326	1,467	2,430
TTM EBITDA	43	41	44	46	53	55	55	53	56	63	56	54	59	53	142
TTM Operating Income	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
TTM Cash Flow to Firm	213	224	295	246	212	296	327	296	340	374	534	770	473	225	1,027
TTM Free Cash Flow to Firm	249	268	334	290	266	347	363	354	412	434	568	821	496	245	1,075

Multiples (USD)

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	2011 Y	2012 Y	2013 Y	2014 Y	2015 Y	2016 Y	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
Price/Free Cash Flow	6.04	6.55	7.96	8.92	8.34	10.94	9.88	8.58	8.17	7.69	9.11	4.96	8.22	22.57	7.88
EV/EBIT	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Enterprise Value	-6,209	-6,566	-6,719	-6,336	-5,503	-3,762	-4,384	-5,145	-5,727	-9,250	-15,839	-4,267	-7,240	-10,524	-7,694
Low Price	30.49	37.68	43.27	51.87	45.14	39.55	62.27	57	59.88	39.47	67.33	76.97	50.68	76	82
EV/Sales	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/EBITDA	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Price/Earnings	14.01	14.3	19.81	21.14	18.9	23.71	14.33	15.38	13.74	11.59	14.51	9.35	11.58	12.47	12.31
Price/Earnings Average	14.61	14.9	16.67	21.93	21.2	17.64	14.6	18.4	13.17	9.43	12.73	10.28	9.57	10.42	11.74
Price/Earnings High	17.22	17.16	20.16	25.37	23.89	24.94	16.24	20.73	14.41	12.23	15.03	12.57	12.84	14.36	13.5
Price/Earnings Low	11.46	12.29	13.33	19.28	18.33	12.16	12.4	14.38	11.99	6.63	9.21	8.62	7.02	8.4	8.77
Price/Book Value	1.98	2.08	2.82	2.5	2.01	3.14	2.54	1.95	1.94	1.71	2.29	1.56	1.41	1.7	2.21
Price/Book Value Average	2.07	2.17	2.38	2.6	2.26	2.34	2.59	2.33	1.86	1.39	2.01	1.71	1.17	1.42	2.11
Price/Book Value High	2.44	2.5	2.87	3	2.55	3.31	2.88	2.63	2.03	1.8	2.38	2.09	1.57	1.96	2.42
Price/Book Value Low	1.62	1.79	1.9	2.28	1.95	1.61	2.2	1.82	1.69	0.98	1.46	1.44	0.86	1.15	1.57
Price/Tangible Book Value	1.7	1.79	2.19	1.89	1.4	2.22	1.84	1.52	1.44	1.21	1.76	1.73	1.45	1.73	1.66
Price/Tangible Book Value Average	1.77	1.86	1.84	1.96	1.57	1.65	1.87	1.82	1.38	0.98	1.55	1.9	1.2	1.45	1.59
Price/Tangible Book Value High	2.09	2.15	2.23	2.26	1.77	2.33	2.08	2.05	1.51	1.27	1.83	2.32	1.61	1.99	1.83
Price/Tangible Book Value Low	1.39	1.54	1.47	1.72	1.36	1.14	1.59	1.42	1.25	0.69	1.12	1.59	0.88	1.17	1.19
Price/Sales	2.24	2.47	3.54	3.3	3.02	4.48	3.85	3.17	3.26	2.73	4.28	2.97	3.06	3.75	3.47
Price/Sales Average	2.34	2.58	2.98	3.42	3.39	3.33	3.92	3.8	3.12	2.22	3.76	3.26	2.53	3.13	3.31
Price/Sales High	2.75	2.97	3.61	3.96	3.82	4.71	4.36	4.28	3.42	2.88	4.44	3.99	3.39	4.32	3.8
Price/Sales Low	1.83	2.13	2.38	3.01	2.93	2.3	3.33	2.97	2.84	1.56	2.72	2.74	1.85	2.53	2.47
Price/Cash Flow	7	7.84	8.99	10.39	10.35	12.7	10.84	10.17	9.85	8.89	9.59	5.25	8.57	24.42	8.21
Price/Cash Flow Average	7.3	8.17	7.57	10.77	11.61	9.45	11.05	12.17	9.44	7.23	8.42	5.76	7.09	20.41	7.83
Price/Cash Flow High	8.61	9.41	9.15	12.46	13.09	13.36	12.29	13.7	10.33	9.38	9.93	7.05	9.51	28.12	9
Price/Cash Flow Low	5.73	6.74	6.05	9.47	10.04	6.51	9.39	9.51	8.59	5.09	6.09	4.84	5.2	16.45	5.85
Price/Free Cash Flow Average	6.3	6.83	6.7	9.25	9.35	8.14	10.06	10.26	7.83	6.25	7.99	5.45	6.79	18.86	7.52
Price/Free Cash Flow High	7.43	7.87	8.1	10.7	10.54	11.51	11.2	11.56	8.57	8.11	9.43	6.66	9.12	25.99	8.64
Price/Free Cash Flow Low	4.95	5.63	5.36	8.13	8.08	5.61	8.55	8.02	7.13	4.4	5.78	4.57	4.99	15.2	5.62
EV/Sales Average	- -	0.63	- -	0.87	2.16	2.07	2.11	2.1	1.54	- -	- -	2.31	- -	- -	0.28
EV/Sales High	0.36	1.02	0.12	1.41	2.59	3.45	2.55	2.58	1.83	0.19	- -	3.04	0.2	- -	0.78
EV/Sales Low	- -	0.18	- -	0.45	1.7	1.03	1.52	1.27	1.26	- -	- -	1.78	- -	- -	- -
EV/EBITDA Average	-0.86	10.91	-8.5	14.47	29.77	31.88	35.39	37.42	28.07	-9.08	-80.53	58.08	-14.89	-69.23	4.88
EV/EBITDA High	5.64	17.72	2.08	23.44	35.69	53.14	42.81	45.98	33.46	3.68	-66	76.4	4.62	-36.32	13.37
EV/EBITDA Low	-8.65	3.09	-18.62	7.58	23.45	15.95	25.51	22.63	22.98	-21.83	-102.86	44.84	-30.07	-86.15	-9.43
EV/EBIT Average	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/EBIT High	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/EBIT Low	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Last Price	37.25	43.82	64.28	56.89	46.55	77.12	71.92	60.97	68.64	68.99	106.11	83.52	83.55	112.86	115.04
High Price	45.81	52.61	65.44	68.27	58.84	81.11	81.55	82.14	71.97	72.76	109.9	112.24	92.68	129.94	126.14
Enterprise Value Average	-37	446	-376	671	1,570	1,739	1,942	1,988	1,579	-570	-4,490	3,138	-875	-3,653	691
Enterprise Value High	242	724	92	1,087	1,883	2,899	2,349	2,442	1,883	231	-3,679	4,127	272	-1,917	1,896
Enterprise Value Low	-371	126	-823	351	1,237	870	1,400	1,202	1,293	-1,371	-5,734	2,422	-1,766	-4,546	-1,338

	2011 Y	2012 Y	2013 Y	2014 Y	2015 Y	2016 Y	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
Shares Outstanding	40	40	45	46	49	50	50	49	49	48	48	48	49	49	76
Diluted Weighted Avg Shares	40	40	41	46	48	49	50	50	49	48	49	49	49	49	74
Basic Weighted Avg Shares	40	40	41	45	47	49	49	49	49	48	48	48	49	49	73
Revenue per Share	16.63	17.71	18.14	17.24	15.41	17.23	18.7	19.21	21.07	25.31	24.78	28.12	27.34	30.09	33.17
EBITDA per Share	1.07	1.02	1.07	1.03	1.12	1.12	1.11	1.08	1.15	1.3	1.15	1.12	1.21	1.08	1.94
Operating Income per Share	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Basic EPS, GAAP	2.66	3.07	3.25	2.69	2.46	3.25	5.02	3.96	4.99	5.95	7.31	8.93	7.22	9.05	9.35
Basic EPS from Cont Ops	2.66	3.07	3.25	2.69	2.05	3.15	3.72	3.98	4.99	5.95	7.31	8.93	7.22	9.05	9.59
Diluted EPS, GAAP	2.64	3.07	3.25	2.65	2.44	3.22	4.96	3.93	4.96	5.93	7.24	8.86	7.18	8.99	9.29
Diluted EPS from Cont Ops	2.64	3.07	3.25	2.65	2.03	3.12	3.67	3.94	4.96	5.93	7.24	8.86	7.18	8.99	9.53
Dividend per Share	0.79	0.84	0.88	0.92	0.98	1	1.05	1.18	1.22	1.25	1.38	1.49	1.53	1.58	1.85
Cash Flow per Share	5.32	5.59	7.15	5.48	4.5	6.07	6.63	5.99	6.97	7.76	11.06	15.92	9.74	4.62	14.01
Free Cash Flow per Basic Share	4.43	4.49	6.22	4.48	3.36	5.03	5.89	4.82	5.49	6.51	10.37	14.85	9.27	4.21	13.35
Cash & Equivalents per Share	192.8	207.96	227.18	198.37	165.26	155.73	162.59	166.94	187.49	266.74	439.85	179.68	261.33	335.07	227.55
Book Value per Share	18.81	21.03	22.77	22.72	23.11	24.53	28.3	31.29	35.41	40.43	46.24	53.6	59.09	66.26	52.08
Tangible Book Value per Share	21.95	24.52	29.4	30.15	33.31	34.8	39.16	40.07	47.81	57.15	60.15	48.31	57.55	65.2	69.1

UMB Financial Corporation

Profitability (USD)

Credit (USD)

Liquidity (USD)

Working Capital (USD)

Enterprise Value (USD)

Multiples (USD)

Per Share Data Items (USD)