UMB Financial CorpUMBF
Price$130.01Intrinsic value$146.5713% above price

Valuation

How Intrinsic Value compares with model outputs

Intrinsic Value $146.57median of 2 methodsbased on filings through 30 Jun 2026
Market Price $130.01Price as of 30 Sep 2026
Margin of Safety +12.7%as of 30 Sep 2026

Valuation methods vs. Market Price

Company vs. peer median Members

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Assumptions

ParameterValue
Years 1–5: analyst growth pathFive-year total matches analyst consensus exactly. Year 1: 11.0% (near-term consensus, capped) · years 2–5: 10.6%/yr (balance of the path).10.7% per year
Years 6–10: glide to demonstrated growth
Per-year rates
Yr 610.6%Yr 710.6%Yr 810.6%Yr 910.7%Yr 1010.7%
10.6% → 10.7%
Years 11–20: glide to long-run rate
Per-year rates
Yr 119.9%Yr 129.1%Yr 138.4%Yr 147.6%Yr 156.8%Yr 166.1%Yr 175.3%Yr 184.5%Yr 193.8%Yr 203.0%
10.7% → 3.0%
Beyond year 20: terminal growthPerpetual long-run rate3.0%
Historical EPS growth (multi-year median)median of 3 windows (5/6/7y)11.0%
Discount rate (cost of equity) 8.8%
Volatility vs market (adjusted beta)0.85

Valuation Detail Members

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Assumptions Sandbox Members

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Compare with peers

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Best in rowHigher is betterLower is better—Data not available
TargetUMB Financial CorpUMBFFinancials
Valuation
P/E10.8×
P/S3.6×
P/B1.3×
EV / Revenue—
EV / EBITDA—
Profitability
Gross margin100.0%
Operating margin49.2%
Net margin34.6%
FCF margin36.9%
Returns
ROE11.7%
ROA1.3%
ROIC32.5%
Growth
Revenue growth (YoY)31.1%
5-yr fwd EPS growth10.7%
Financial strength
Debt / Equity0.06×
Current ratio—
Altman Z-Score—
Interest coverage—
Dividend yield1.4%

Best value in each row is highlighted. Figures are periodic snapshots from the same filings used across each dossier; a dash means the figure is not available.

AI-assisted, source-linked narrative; figures from company filings (SEC EDGAR) and market data. Dates shown per section. Not investment advice. Terms of Use.