| Company Name: | UMB Financial Corporation | | Ticker Symbol: | UMBF | | | WWW Address: | www.umb.com | | CEO: | J. Mariner Kemper | | No. of Employees: | 3,274 | | Common Issue Type: | CS | | Business Description: | A multi-bank holding company, which offers a range of banking and other financial services to its customers through its branches and offices.
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| | | Industry Information: | BANKING - Regional - Southwest Banks [more like this] |
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| Price | Day Change | Bid | Ask | Open | High | Low | Volume | | 39.85 |  -0.3 | 38.88 | 40.69 | 40.24 | 40.41 | 39.72 | 237659 |
| Market Cap (mil) | Shares Outstanding (mil) | Beta | EPS | DPS | P/E | Yield | 52-Wks-Range |
| 1,609.9 | 40.4 | 0.68 | 2.38 | 0.63 | 19.0 | 1.8 | 49.96 - 33.65 |
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| KEY FIGURES (Latest Twelve Months - LTM) | | Yesterday's Close | 39.86 | $ | | PE Ratio - LTM | 19.0 | |
| Market Capitalisation | 1,610.6 | mil |
| Latest Shares Outstanding | 40.4 | mil |
| Earnings pS (EPS) | 2.38 | $ |
| Dividend pS (DPS) | 0.63 | ¢ |
| Dividend Yield | 1.8 | % |
| Dividend Payout Ratio | 26 | % |
| Revenue per Employee | 214,037 | $ |
| Effective Tax Rate | 29.9 | % |
| Float | 32.2 | mil |
| Float as % of Shares Outstanding | 79.4 | % |
| Foreign Sales | - | |
| Domestic Sales | - | |
| Selling, General & Adm/tive (SG&A) as % of Revenue | - | |
| Research & Devlopment (R&D) as % of Revenue | - | |
| Gross Profit Margin | - | |
| EBITDA Margin | 27.9 | % |
| Pre-Tax Profit Margin | 17.9 | % |
| Assets Turnover | 0.1 | % |
| Return on Assets (ROA) | 0.8 | % |
| Return on Equity (ROE) | 8.5 | % |
| Return on Capital Invested (ROCI) | 8.2 | % |
| Current Ratio | - | |
| Leverage Ratio (Assets/Equity) | 10.1 | |
| Interest Cover | 2.9 | |
| Total Debt/Equity (Gearing Ratio) | 0.05 | |
| LT Debt/Total Capital | 3.0 | % |
| Working Capital pS | - | |
| Cash pS | - | |
| Book-Value pS | 25.09 | $ |
| Tangible Book-Value pS | 20.97 | $ |
| Cash Flow pS | 2.12 | $ |
| Free Cash Flow pS | 1.01 | $ |
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| KEY FIGURES (LTM): Price info |
| Price/Book Ratio | 1.59 | |
| Price/Tangible Book Ratio | 1.90 | |
| Price/Cash Flow | 18.8 | |
| Price/Free Cash Flow | 39.6 | |
| P/E as % of Industry Group | 0.0 | % |
| P/E as % of Sector Segment | 42.0 | % |
| | | Balance Sheet (at a glance) in Millions |
| | | | | | DIVIDEND INFO | | Dividend Declared Date | 10/27/2009 |
| Dividend Ex-Date | 12/08/2009 |
| Dividend Record Date | 12/10/2009 |
| Dividend Pay Date | 01/03/2010 |
| Dividend Amount | 185 |
| Type of Payment | Cash Payment |
| Dividend Rate | 0.70 |
| Current Dividend Yield | 1.8 |
| 5-Y Average Dividend Yield | 1.5 |
| Payout Ratio | 26.0 |
| 5-Y Average Payout Ratio | 36.0 |
|  | | Share price performance previous 3 years |
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 | | | Share price performance intraday |
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| PRICE/VOLUME | High | Low | Close | % Price Chg | % Price Chg vs. Mkt. | Avg. Daily Vol | Total Vol |
| 1 Week | - | - | - | 1.0 | 99 | 1,609 | 5,756 |
| 4 Weeks | 40.71 | 37.83 | 39.77 | 0.2 | 94 | 1,481 | 26,658 |
| 13 Weeks | 42.31 | 37.83 | 40.14 | -0.7 | 92 | 1,518 | 94,098 |
| 26 Weeks | 45.50 | 36.34 | 40.17 | -0.8 | 82 | 1,878 | 236,596 |
| 52 Weeks | 49.96 | 33.65 | 47.81 | -16.6 | 67 | 2,335 | 583,657 |
| YTD | 49.75 | 33.65 | - | -18.9 | 66 | 2,303 | 525,083 |
| Moving Average | 5-Days | 10-Days | 10-Weeks | 30-Weeks | 200-Days | Beta (60-Mnth) | Beta (36-Mnth) |
| 39.80 | 39.64 | 39.97 | 40.40 | 40.86 | 0.68 | 0.64 |
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| GROWTH RATES | 5-Year
Growh | R² of 5-Year Growth | 3-Year
Growth |
| Revenue | 9.17 | 79.6 | 2.85 |
| Income | 17.51 | 89.2 | 16.57 |
| Dividend | 10.22 | 78.0 | 2.77 |
| Capital Spending | 16.88 | NA | 0.86 |
| R&D | 0.00 | NA | 0.00 |
| Normalized Inc. | 18.34 | NA | 18.34 |
| | | CHANGES | YTD vs.
Last YTD | Curr Qtr vs.
Qtr 1-Yr ago | Annual vs.
Last Annual |
| Revenue % | -7.2 | -1.8 | -0.3 |
| Earnings % | -15.7 | 10.2 | 32.2 |
| EPS % | -14.8 | 11.3 | 34.5 |
| EPS $ | -0.28 | 0.06 | 0.61 |
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| SOLVENCY RATIOS | | SHORT-TERM SOLVENCY RATIOS (LIQUIDITY) |
| Free Cash Flow Margin | 10.36 |
| Free Cash Flow Margin 5YEAR AVG | 15.13 |
| Cash-Flow pS | 3.29 |
| Free Cash-Flow pS | 0.98 |
| FINANCIAL STRUCTURE RATIOS |
| Financial Leverage Ratio (Assets/Equity) | 11.26 |
| Debt Ratio | 91.12 |
| Total Debt/Equity (Gearing Ratio) | 0.05 |
| LT Debt/Equity | 0.04 |
| LT Debt/Capital Invested | 3.55 |
| LT Debt/Total Liabilities | 0.36 |
| | | | VALUATION RATIOS | | MULTIPLES |
| PQ Ratio | 0.12 |
| Tobin's Q Ratio | 0.16 |
| Current P/E Ratio - LTM | 19.00 |
| Enterprise Value (EV)/EBITDA | 0.07 |
| Enterprise Value (EV)/Free Cash Flow | 5.13 |
| Dividend Yield | 1.8 |
| Price/Tangible Book Ratio - LTM | 1.90 |
| Price/Book Ratio - LTM | 1.59 |
| Price/Cash Flow Ratio | 18.8 |
| Price/Free Cash Flow Ratio - LTM | 39.6 |
| P/E Ratio (1 month ago) - LTM | 18.6 |
| P/E Ratio (26 weeks ago) - LTM | 18.7 |
| P/E Ratio (52 weeks ago) - LTM | 21.2 |
| 5-Y High P/E Ratio | 30.1 |
| 5-Y Low P/E Ratio | 15.0 |
| 5-Y Average P/E Ratio | 24.4 |
| Current P/E Ratio as % of 5-Y Average P/E | 78 |
| P/E as % of Industry Group | 0.0 |
| P/E as % of Sector Segment | 42.0 |
| Current 12 Month Normalized P/E Ratio - LTM | 18.1 |
| PER SHARE FIGURES |
| Tangible Book Value pS - LTM | 20.97 |
| Book Value pS - LTM | 25.09 |
| Capital Invested pS | 25.01 |
| Cash Flow pS - LTM | 2.12 |
| Free Cash Flow pS - LTM | 1.01 |
| Earnings pS (EPS) | 2.38 |
| | | | OPERATING RATIOS | | PROFITABILITY |
| Return on Equity (ROE) | 10.06 |
| Return on Equity (ROE) - 5YEAR AVRG. | 7.6 |
| Return on Capital Invested (ROCI) | 9.70 |
| Return on Capital Invested (ROCI) - 5YEAR AVRG. | 7.3 |
| Return on Assets (ROA) | 0.89 |
| Return on Assets (ROA) - 5YEAR AVRG. | 0.7 |
| EBIT Margin - LTM | 27.3 |
| EBITDA Margin - LTM | 27.9 |
| Pre-Tax Profit Margin | 50.84 |
| Pre-Tax Profit Margin - 5YEAR AVRG. | 40.60 |
| Net Profit Margin | 35.66 |
| Net Profit Margin - 5YEAR AVRG. | 29.75 |
| Effective Tax Rate | 29.86 |
| Effective Tax Rate - 5YEAR AVRG. | 25.94 |
| EFFICIENCY RATIOS |
| Revenue per Employee - LTM | 202,288 |
| Net Income per Employee - LTM | 26,223 |
| Assets/Revenue - LTM | 1,000.00 |
| Assets/Revenue - 5YEAR AVRG. | 4,165.32 |
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