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Market Price

53.96 

-1.13 -2.1%

as of Dec 18 '18

52 Week Range:

49.94 68.47


Stock Analyzer Tutorials

S2O Stock Analyzer - General Info

General Info


type: video (mp4); length: 3:30

Demonstrates how to use Stock Analyzer, shows how to analyze a stock and explains in detail "General Info" section of the Stock Analyzer result page.

S2O Stock Analyzer - Financial Statements

Financial Statements


type: video (mp4); length: 5:10

Explains information presented in the Financial Statements section of the S2O Stock Analyzer: financial statements charts, absolute values and growth rates.

S2O Stock Analyzer - Growth Grade and Financial Ratios

Growth Grade and Financial Ratios


type: video (mp4); length: 5:09

Demonstrates how to use Growth Grade & Financial Ratios section; shows the difference between historical and year-over-year Growth Grade on the real life example.

S2O Stock Analyzer - Value Price

Value Price


type: video (mp4); length: 6:03

Demonstrates how to use Value Price (intrinsic value) and the Graham Number, MOS (margin of safety) and IRT - Investment Recovery Time; explains 3 different projection models used to compute value price - pessimistic, moderate and optimistic.

S2O Stock Analyzer - Price Charts

Price Charts


type: video (mp4); length: 8:34

Demonstrates basic rules of how to read a candlestick chart, long and short term moving averages, stochastic, MACD and relative strength (RS) charts. Explains how bull or bear market condition is computed.

General Info

UMB Financial Corporation, a bank holding company, provides various banking and other financial services. It operates through two segments, Bank and Asset Servicing. The Bank segment offers a range of banking services to commercial, retail, government, and correspondent bank customers through its branches, call center, Internet banking, and ATM network. Its services comprise traditional commercial and consumer banking, treasury management, leasing, foreign exchange, merchant bankcard, wealth management, brokerage, insurance, capital markets, investment banking, corporate trust, and correspondent banking. The Asset Servicing segment provides services to the asset management industry, including a range of investment products, such as mutual funds, alternative investments, and managed accounts. Its services include fund administration, fund accounting, investor services, transfer agency, distribution, marketing, custody, alternative investment services, and collective and multiple-series trust services. The company operates through a network of branches and offices in the states of Missouri, Kansas, Colorado, Illinois, Oklahoma, Texas, Arizona, Nebraska, Pennsylvania, South Dakota, Indiana, Utah, Minnesota, California, and Wisconsin. The company was founded in 1913 and is headquartered in Kansas City, Missouri.

Financial Statements

The charts below show selected Annual and Quarterly Financial Data.

The purpose of these charts is to discover long and short term change dynamics. When numbers are growing year after year in the annual statements chart, the business become stronger and stronger and this is a good sign.

Quarterly Data Chart can be used to do a short term analysis. It makes sense to pay attention to the quarterly dynamics and do not wait for the next yearly statement. We should be alerted if we see that quarterly numbers are going down.

You can check "Annual Financial Statements" and "Quarterly Financial Statements" sections for exact numbers and growth rates.

Annual Statements

On a charts below the Line shows absolute values and the Bar chart shows Year-Over-Year Growth Rate for selected financial statement item. A consistent GROWTH is generally considered necessary to fund future growth from within a business.
NOTE: Growth Rate is not provided if either the latest period or the year-ago period contains a net loss. (source: WSJ Digest of Earnings)
TIP! move your mouse pointer over bar or a circle on any chart below to see details.

Financial Statements

Income Statement



 

Cash Flow Statement



 

Balance Sheet



 

Liquidity Ratios

Current Ratio


 

Current Ratio measures the ability to meet short term obligations. Generally accepted standard is 2 (current assets should be 2 times or 200% of current liabilities).

Quick Ratio


 

Measures immediate liquidity or the cash available to cover immediate liabilities. A safe margin would be at least 1 (100%).

Financial Leverage


 

Defined as total assets divided by total shareholders' equity. The higher the ratio, the more debt a company uses in its capital structure.

Profitability Ratios

ROA


 

Return on Assets (ROA) measures the income (profit) that is generated by the use of the assets of the business.

ROE


 

Return on Equity (ROE) is a measure of profitability that calculates how many dollars of profit a company generates with each dollar of shareholders equity. ROE is sometimes called "return on net worth."

ROIC


 

The Return on Invested Capital (ROIC) measure gives a sense of how well a company is using its money to generate returns. Some investors use this figure as a final evaluation to determine whether or not to invest in a company.

Annual Statements

Item Name Dec '07 Dec '08 Dec '09 Dec '10 Dec '11 Dec '12 Dec '13 Dec '14 Dec '15 Dec '16 Dec '17
Equity (BVPS) 23.54
29.19
35.22
38.56
35.28
growth rate 24.0% 20.7% 9.5% -8.5%
Earnings BIT 167.64
132.63
208.36
257.99
growth rate -20.9% 57.1% 23.8%
Avg.PE 23.07
23.15
12.32
growth rate 0.4% -46.8%
ROA 0.81
0.97
0.79
0.76
0.82
0.86
0.84
0.70
0.63
0.80
1.16
growth rate 19.8% -18.6% -3.8% 7.9% 4.9% -2.3% -16.7% -10.0% 27.0% 45.0%
ROE 8.53
10.52
8.99
8.77
9.46
9.93
9.62
7.66
6.56
8.24
11.93
growth rate 23.3% -14.5% -2.5% 7.9% 5.0% -3.1% -20.4% -14.4% 25.6% 44.8%
Leverage 10.49
11.26
11.48
11.69
11.37
11.67
11.23
10.65
10.08
10.54
9.98
growth rate 7.3% 2.0% 1.8% -2.7% 2.6% -3.8% -5.2% -5.4% 4.6% -5.3%
Balance Sheet Dec '07 Dec '08 Dec '09 Dec '10 Dec '11 Dec '12 Dec '13 Dec '14 Dec '15 Dec '16 Dec '17
Acct.Payable 13,616.86
15,092.75
16,570.61
18,023.00
growth rate 10.8% 9.8% 8.8%
Cur.Assets 2,216.45
1,290.66
1,672.58
2,102.11
growth rate -41.8% 29.6% 25.7%
Total Assets 17,500.96
19,094.25
20,682.53
21,771.58
growth rate 9.1% 8.3% 5.3%
Cash 1,080.74
474.14
423.04
397.82
growth rate -56.1% -10.8% -6.0%
Inventory 0.39
3.31
0.19
1.50
growth rate 739.3% -94.1% 673.7%
Cur.Liabilities 15,829.60
17,089.36
18,611.98
19,478.18
growth rate 8.0% 8.9% 4.7%
Liabilities 15,857.20
17,200.55
18,720.15
19,590.05
growth rate 8.5% 8.8% 4.7%
LT Debt 8.81
86.04
76.64
79.28
growth rate 876.6% -10.9% 3.5%
Equity 1,643.76
1,893.69
1,962.38
2,181.53
growth rate 15.2% 3.6% 11.2%
Common Shares 42.00
41.00
41.00
40.00
40.00
40.00
42.00
45.00
48.00
49.00
50.00
growth rate -2.4% 0.0% -2.4% 0.0% 0.0% 5.0% 7.1% 6.7% 2.1% 2.0%
Cash Flow Statement Dec '07 Dec '08 Dec '09 Dec '10 Dec '11 Dec '12 Dec '13 Dec '14 Dec '15 Dec '16 Dec '17
Capital Expenditures 44.79
53.76
50.84
36.45
growth rate 20.0% -5.4% -28.3%
Cash Dividends 41.36
45.97
49.04
51.88
growth rate 11.1% 6.7% 5.8%
Cash From OA 245.66
211.91
296.44
326.53
growth rate -13.7% 39.9% 10.2%
FCF per Share 3.59
4.29
3.59
3.02
5.63
growth rate 19.5% -16.3% -15.9% 86.4%
Sale Purchase of Stock 8.97
11.61
16.91
13.87
growth rate 29.4% 45.7% -18.0%
FCF 104.00
113.00
123.00
147.00
177.00
180.00
257.00
199.00
157.00
246.00
290.00
growth rate 8.7% 8.9% 19.5% 20.4% 1.7% 42.8% -22.6% -21.1% 56.7% 17.9%
Income Statement Dec '07 Dec '08 Dec '09 Dec '10 Dec '11 Dec '12 Dec '13 Dec '14 Dec '15 Dec '16 Dec '17
Sales 831.74
767.23
865.33
941.48
growth rate -7.8% 12.8% 8.8%
Op.Income 208.97
155.78
224.06
259.20
growth rate -25.5% 43.8% 15.7%
IBT 166.06
128.29
198.59
236.35
growth rate -22.8% 54.8% 19.0%
Net Income 120.66
116.07
158.80
247.11
growth rate -3.8% 36.8% 55.6%
EPS 1.77
2.38
2.20
2.26
2.64
3.04
3.20
2.65
2.44
3.22
4.96
growth rate 34.5% -7.6% 2.7% 16.8% 15.2% 5.3% -17.2% -7.9% 32.0% 54.0%
Gross Profit 831.74
767.23
865.33
941.48
growth rate -7.8% 12.8% 8.8%

Quarterly Statements

Item Name Sep '17 Dec '17 Mar '18 Jun '18 Sep '18
Earnings BIT 68.70
68.22
73.48
growth rate -0.7% 7.7%
Balance Sheet Sep '17 Dec '17 Mar '18 Jun '18 Sep '18
Acct.Receivable 53.30
54.80
50.50
growth rate 2.8% -7.9%
Acct.Payable 15,999.60
18,023.00
17,218.27
16,386.08
17,736.70
growth rate 12.7% -4.5% -4.8% 8.2%
Cur.Assets 1,066.97
2,102.11
1,308.10
797.06
1,469.28
growth rate 97.0% -37.8% -39.1% 84.3%
Total Assets 20,279.50
21,771.58
20,987.90
20,531.47
21,462.36
growth rate 7.4% -3.6% -2.2% 4.5%
Cash 610.61
397.82
407.05
449.78
555.11
growth rate -34.9% 2.3% 10.5% 23.4%
Inventory 0.71
1.50
1.56
4.93
4.79
growth rate 110.8% 3.7% 216.7% -2.9%
Cur.Liabilities 18,062.60
19,478.18
18,718.51
18,224.61
19,153.00
growth rate 7.8% -3.9% -2.6% 5.1%
Liabilities 18,177.96
19,590.05
18,820.52
18,329.66
19,258.90
growth rate 7.8% -3.9% -2.6% 5.1%
LT Debt 76.07
79.28
78.69
78.69
78.52
growth rate 4.2% -0.8% 0.0% -0.2%
Equity 2,101.54
2,181.53
2,167.39
2,201.81
2,203.46
growth rate 3.8% -0.7% 1.6% 0.1%
Common Shares 55.06
55.06
55.06
55.06
55.06
growth rate 0.0% 0.0% 0.0% 0.0%
Cash Flow Statement Sep '17 Dec '17 Mar '18 Jun '18 Sep '18
Capital Expenditures 13.43
11.70
8.64
13.51
14.58
growth rate -12.9% -26.2% 56.4% 7.9%
Cash Dividends 12.72
13.71
14.53
14.53
14.47
growth rate 7.8% 6.0% 0.0% -0.4%
Cash From OA 125.04
82.24
19.62
79.20
125.27
growth rate -34.2% -76.1% 303.7% 58.2%
Sale Purchase of Stock 0.80
2.24
5.53
2.47
growth rate 181.2% 147.2% -55.4%
FCF 111.62
70.54
10.98
65.68
110.69
growth rate -36.8% -84.4% 498.2% 68.5%
Income Statement Sep '17 Dec '17 Mar '18 Jun '18 Sep '18
Sales 233.66
246.38
243.45
243.52
245.63
growth rate 5.4% -1.2% 0.0% 0.9%
Op.Income 67.36
69.29
72.04
71.55
69.96
growth rate 2.9% 4.0% -0.7% -2.2%
IBT 61.84
63.82
67.57
66.30
65.24
growth rate 3.2% 5.9% -1.9% -1.6%
Net Income 48.14
111.96
56.79
55.42
57.85
growth rate 132.6% -49.3% -2.4% 4.4%
Gross Profit 233.66
246.38
243.45
243.52
245.63
growth rate 5.4% -1.2% 0.0% 0.9%

Growth Grade & Financial Ratios

All financial ratios below are calculated based on latest annual statements available and present the most up to date snapshot of a company finances.

Growth Grade

Historical Growth Grade:

B (70.10)

YOY Growth Grade:

D (41.03)

Click on buttons above for detailed yearly growth rates.

Market Ratios

Profitability Ratios

Liquidity Ratios

Efficiency Ratios

Value Price

PE and EPS

Historical Current Forward
PE 9.57 9.57
EPS / Growth 5.64

Value Price & Investment Recovery Time

Read more about Stock2Own value price in Stock Market: Fundamental Analysis.

Equity Growth Rate: 9.5%

Estimates Pessimistic Moderate Optimistic My Numbers
Rate of Return 15.0%
MOS Price % 50 %
Future EPS Growth 9.5% 9.5% 9.5%
Future PE 0.01 9.50 9.50
Future EPS 13.92 13.92 13.92
Value Price
MOS %
0.03
-99.9%
32.70
-39.4%
32.70
-39.4%
MOS Price 0.02 16.35 16.35
IRT 6.66 6.66 6.66

Graham Number:

NOTE: The Graham Number applies only to certain types of stocks in combination with a number of other criteria.

Read more about Graham Number in Stock Market: Fundamental Analysis.

Price Chart

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Risk / Reward Ratios

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