Umb Financial Stock Buy Hold or Sell Recommendation
| UMBF Stock | USD 84.78 1.04 1.24% |
Given the investment horizon of 90 days and your above-average risk tolerance, our recommendation regarding UMB Financial is 'Hold'. Macroaxis provides UMB Financial buy-hold-or-sell recommendation only in the context of selected investment horizon and investor attitude towards risk assumed by holding UMBF positions. The advice algorithm takes into account all of UMB Financial's available fundamental, technical, and predictive indicators you will find on this site. Key drivers impacting UMB Financial's buy or sell advice are summarized below:
Real Value 69.92 | Target Price 74.8 | Hype Value 83.74 | Market Value 84.78 | Naive Value 83.22 |
A buy or sell recommendation provided by Macroaxis is an automated directive regarding whether to purchase or sell UMB Financial given historical horizon and risk tolerance towards UMB Financial. When Macroaxis issues a 'buy' or 'sell' recommendation for UMB Financial, the advice is generated through an automated system that utilizes algorithms and statistical models.
UMB |
Execute UMB Financial Buy or Sell Advice
The UMB recommendation should be used to complement the buy-or-sell advice compiled from the current analysts' consensus on UMB Financial. Macroaxis does not own or have any residual interests in UMB Financial or other equities on which the buy-or-sell advice is provided. Please provide your input below to execute UMB Financial's advice using the current market data and latest reported fundamentals.
Time Horizon
Risk Tolerance
 |  |
Hold
Market Performance | Weak | Details | |
Volatility | Very steady | Details | |
Hype Condition | Stale | Details | |
Current Valuation | Overvalued | Details | |
Odds Of Distress | Low | Details | |
Economic Sensitivity | Barely shadows the market | Details | |
Investor Sentiment | Impartial | Details | |
Analyst Consensus | Buy | Details | |
Reporting Quality (M-Score) | Unavailable | Details |
UMB Financial Trading Alerts and Improvement Suggestions
| Over 89.0% of the company outstanding shares are owned by institutional investors | |
| On 1st of April 2024 UMB Financial paid $ 0.39 per share dividend to its current shareholders | |
| Latest headline from zacks.com: First Busey Misses Q1 Earnings Estimates |
UMB Financial Returns Distribution Density
The distribution of UMB Financial's historical returns is an attempt to chart the uncertainty of UMB Financial's future price movements. The chart of the probability distribution of UMB Financial daily returns describes the distribution of returns around its average expected value. We use UMB Financial price's Value At Risk and its Upside Potential as a relative measure of the distribution. The graph of the distribution of UMB Financial returns is essential to provide solid investment advice for UMB Financial.
| Mean Return | 0.08 | Value At Risk | -2.51 | Potential Upside | 2.60 | Standard Deviation | 1.72 |
Return Density |
| Distribution |
Investment risk management requires an estimate of the probability of extreme price changes. Therefore, the correct representation of the distribution of UMB Financial historical returns presented in an easy-to-digest graphical form helps investors and money managers understand the risk-reward trade-off of different investement strategies.
UMB Stock Institutional Investors
Have you ever been surprised when a price of an equity instrument such as UMB Financial is soaring high without any particular reason? This is usually happening because many institutional investors are aggressively trading UMB Financial backward and forwards among themselves. UMB Financial's institutional investor refers to the entity that pools money to purchase UMB Financial's securities or originates loans. Institutional investors include commercial and private banks, credit unions, insurance companies, pension funds, hedge funds, endowments, and mutual funds. Operating companies that invest excess capital in these types of assets may also be included in the term and may influence corporate governance by exercising voting rights in their investments.
| Shares | Goldman Sachs Group Inc | 2023-12-31 | 776.8 K | Btim Corp | 2023-12-31 | 688.7 K | Global Alpha Capital Management Ltd. | 2023-12-31 | 662.8 K | Ameriprise Financial Inc | 2023-12-31 | 649.9 K | Northern Trust Corp | 2023-12-31 | 620.2 K | Charles Schwab Investment Management Inc | 2023-12-31 | 526.7 K | Proshare Advisors Llc | 2023-12-31 | 487.7 K | Fisher Asset Management, Llc | 2023-12-31 | 479.7 K | Norges Bank | 2023-12-31 | 471.3 K | Blackrock Inc | 2023-12-31 | 6 M | Umb Bank Na | 2023-12-31 | 5.3 M |
UMB Financial Cash Flow Accounts
| 2019 | 2020 | 2021 | 2022 | 2023 | 2024 (projected) | ||
| Change In Cash | (5.0M) | 1.8B | 5.7B | (7.7B) | 4.0B | 4.2B | |
| Free Cash Flow | 269.1M | 313.4M | 500.4M | 717.8M | 445.7M | 468.0M | |
| Depreciation | 56.3M | 62.8M | 55.7M | 54.0M | 8.6M | 8.2M | |
| Other Non Cash Items | 76.7M | 65.8M | 64.4M | 36.7M | 131.6M | 138.2M | |
| Dividends Paid | 59.4M | 60.3M | 66.8M | 72.0M | 74.2M | 78.0M | |
| Capital Expenditures | 72.3M | 60.2M | 33.7M | 51.7M | 26.9M | 39.0M | |
| Net Income | 243.6M | 286.5M | 353.0M | 431.7M | 350.0M | 367.5M | |
| End Period Cash Flow | 1.7B | 3.5B | 9.2B | 1.6B | 5.5B | 5.8B | |
| Investments | (2.9B) | (4.3B) | (4.1B) | (4.3B) | (1.5B) | (1.6B) | |
| Change Receivables | (14.3M) | (15.4M) | 4.6M | (58.2M) | (52.4M) | (49.8M) | |
| Net Borrowings | 391.4M | 616.7M | 922.9M | (908.4M) | (1.0B) | (992.4M) | |
| Change To Netincome | 43.3M | 141.4M | 33.8M | 49.3M | 56.7M | 39.5M |
UMB Financial Greeks
Most traded equities are subject to two types of risk - systematic (i.e., market) and unsystematic (i.e., nonmarket or company-specific) risk. Unsystematic risk is the risk that events specific to UMB Financial or Banks sector will adversely affect the stock's price. This type of risk can be diversified away by owning several different stocks in different industries whose stock prices have shown a small correlation to each other. On the other hand, systematic risk is the risk that UMB Financial's price will be affected by overall stock market movements and cannot be diversified away. So, no matter how many positions you have, you cannot eliminate market risk. However, you can measure a UMB stock's historical response to market movements and buy it if you are comfortable with its volatility direction. Beta and standard deviation are two commonly used measures to help you make the right decision.
α | Alpha over NYSE Composite | -0.06 | |
β | Beta against NYSE Composite | 1.49 | |
σ | Overall volatility | 1.71 | |
Ir | Information ratio | -0.01 |
UMB Financial Volatility Alert
UMB Financial has relatively low volatility with skewness of -0.23 and kurtosis of 0.84. Understanding different market volatility trends often help investors to time the market. Properly using volatility indicators enable traders to measure UMB Financial's stock risk against market volatility during both bullish and bearish trends. The higher level of volatility that comes with bear markets can directly impact UMB Financial's stock price while adding stress to investors as they watch their shares' value plummet. This usually forces investors to rebalance their portfolios by buying different financial instruments as prices fall.UMB Financial Fundamentals Vs Peers
Comparing UMB Financial's fundamentals to the average values of its peers is one of the most widely used and accepted methods of equity analyses. It helps to analyze UMB Financial's direct or indirect competition across all of the common fundamentals between UMB Financial and the related equities. This way, we can detect undervalued stocks with similar characteristics as UMB Financial or determine the stocks which would be an excellent addition to an existing portfolio. Peer analysis of UMB Financial's fundamental indicators could also be used in its relative valuation, which is a method of valuing UMB Financial by comparing valuation metrics with those of similar companies.
| Better Than Average | Worse Than Average | Compare UMB Financial to competition |
| Fundamentals | UMB Financial | Peer Average |
| Return On Equity | 0.12 | -0.31 |
| Return On Asset | 0.0085 | -0.14 |
| Profit Margin | 0.25 % | (1.27) % |
| Operating Margin | 0.38 % | (5.51) % |
| Current Valuation | 7.6 B | 16.62 B |
| Shares Outstanding | 48.74 M | 571.82 M |
| Shares Owned By Insiders | 9.07 % | 10.09 % |
| Shares Owned By Institutions | 89.23 % | 39.21 % |
| Number Of Shares Shorted | 615.8 K | 4.71 M |
| Price To Earning | 10.79 X | 28.72 X |
| Price To Book | 1.26 X | 9.51 X |
| Price To Sales | 2.75 X | 11.42 X |
| Revenue | 2.38 B | 9.43 B |
| Gross Profit | 1.43 B | 27.38 B |
| EBITDA | 8.59 M | 3.9 B |
| Net Income | 350.02 M | 570.98 M |
| Cash And Equivalents | 2.87 B | 2.7 B |
| Cash Per Share | 59.41 X | 5.01 X |
| Total Debt | 4.3 B | 5.32 B |
| Debt To Equity | 9.08 % | 48.70 % |
| Book Value Per Share | 63.85 X | 1.93 K |
| Cash Flow From Operations | 472.6 M | 971.22 M |
| Short Ratio | 2.58 X | 4.00 X |
| Earnings Per Share | 7.18 X | 3.12 X |
| Price To Earnings To Growth | 1.73 X | 4.89 X |
| Target Price | 93.17 | |
| Number Of Employees | 3.6 K | 18.84 K |
| Beta | 0.83 | -0.15 |
| Market Capitalization | 4.08 B | 19.03 B |
| Total Asset | 44.01 B | 29.47 B |
| Retained Earnings | 2.81 B | 9.33 B |
| Annual Yield | 0.02 % | |
| Five Year Return | 1.70 % |
Note: Disposition of 100 shares by Kemper J Mariner of UMB Financial at 80.4 subject to Rule 16b-3 [view details]
UMB Financial Market Momentum
Traders often use several daily momentume indicators to supplement a more traditional technical analysis when analyzing securities such as UMB . With many different options, investors must choose the best indicators for them and familiarize themselves with how they work. We suggest combining traditional momentum indicators with more near-term forms of technical analysis such as Accumulation Distribution or Daily Balance Of Power. With their quantitative nature, daily value technical indicators can also be incorporated into your automated trading systems.
About UMB Financial Buy or Sell Advice
When is the right time to buy or sell UMB Financial? Buying financial instruments such as UMB Stock isn't very hard. However, what challenging for most investors is doing it at the right time to beat the market. Proper market timing is something most people cannot do without sophisticated tools, which help to isolate the right opportunities. Macroaxis provides hands-on modules to deliver winning trades and diversify your portfolios on a daily basis. Most of our advising modules are very easy to use and apply.
Please read more on our stock advisor page.| 2021 | 2022 | 2023 | 2024 (projected) | Short and Long Term Debt Total | 271.5M | 381.3M | 4.3B | 4.5B | Total Assets | 42.7B | 38.5B | 44.0B | 46.2B |
Use Investing Ideas to Build Portfolios
In addition to having UMB Financial in your portfolios, you can quickly add positions using our predefined set of ideas and optimize them against your very unique investing style. A single investing idea is a collection of funds, stocks, ETFs, or cryptocurrencies that are programmatically selected from a pull of investment themes. After you determine your investment opportunity, you can then find an optimal portfolio that will maximize potential returns on the chosen idea or minimize its exposure to market volatility.Did You Try This Idea?
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Funds or Etfs that invest in entities that are involved in mining, processing or dealing of precious metals. The Precious Metals Funds theme has 35 constituents at this time.
You can either use a buy-and-hold strategy to lock in the entire theme or actively trade it to take advantage of the short-term price volatility of individual constituents. Macroaxis can help you discover thousands of investment opportunities in different asset classes. In addition, you can partner with us for reliable portfolio optimization as you plan to utilize Precious Metals Funds Theme or any other thematic opportunities.
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Check out UMB Financial Analyst Recommendation to compare Macroaxis Buy or Sell Recommendation with the current analyst consensus. To check ratings for multiple equity instruments, please use the Instant Ratings tool. For more detail on how to invest in UMB Stock please use our How to Invest in UMB Financial guide.Note that the UMB Financial information on this page should be used as a complementary analysis to other UMB Financial's statistical models used to find the right mix of equity instruments to add to your existing portfolios or create a brand new portfolio. You can also try the Sign In To Macroaxis module to sign in to explore Macroaxis' wealth optimization platform and fintech modules.
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When running UMB Financial's price analysis, check to measure UMB Financial's market volatility, profitability, liquidity, solvency, efficiency, growth potential, financial leverage, and other vital indicators. We have many different tools that can be utilized to determine how healthy UMB Financial is operating at the current time. Most of UMB Financial's value examination focuses on studying past and present price action to predict the probability of UMB Financial's future price movements. You can analyze the entity against its peers and the financial market as a whole to determine factors that move UMB Financial's price. Additionally, you may evaluate how the addition of UMB Financial to your portfolios can decrease your overall portfolio volatility.
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Is UMB Financial's industry expected to grow? Or is there an opportunity to expand the business' product line in the future? Factors like these will boost the valuation of UMB Financial. If investors know UMB will grow in the future, the company's valuation will be higher. The financial industry is built on trying to define current growth potential and future valuation accurately. All the valuation information about UMB Financial listed above have to be considered, but the key to understanding future value is determining which factors weigh more heavily than others.
Quarterly Earnings Growth (0.30) | Dividend Share 1.53 | Earnings Share 7.18 | Revenue Per Share 29.291 | Quarterly Revenue Growth 0.025 |
The market value of UMB Financial is measured differently than its book value, which is the value of UMB that is recorded on the company's balance sheet. Investors also form their own opinion of UMB Financial's value that differs from its market value or its book value, called intrinsic value, which is UMB Financial's true underlying value. Investors use various methods to calculate intrinsic value and buy a stock when its market value falls below its intrinsic value. Because UMB Financial's market value can be influenced by many factors that don't directly affect UMB Financial's underlying business (such as a pandemic or basic market pessimism), market value can vary widely from intrinsic value.
Please note, there is a significant difference between UMB Financial's value and its price as these two are different measures arrived at by different means. Investors typically determine if UMB Financial is a good investment by looking at such factors as earnings, sales, fundamental and technical indicators, competition as well as analyst projections. However, UMB Financial's price is the amount at which it trades on the open market and represents the number that a seller and buyer find agreeable to each party.