Financials UMB Financial Corporation

Equities

UMBF

US9027881088

Banks

Market Closed - Nasdaq Other stock markets 21:00:00 18/09/2024 BST			5-day change	1st Jan Change
105.63 ^USD	+0.68%		+4.93%	+26.43%

09-17	Raymond James Raises Price Target on UMB Financial to $123 From $120, Keeps Strong Buy Rating	MT
09-04	Umb Financial Insider Sold Shares Worth $2,503,212, According to a Recent SEC Filing	MT

Projected Income Statement: UMB Financial Corporation

Fiscal Period: December	2019	2020	2021	2022	2023	2024	2025	2026
Net sales ¹	1,098	1,291	1,283	1,468	1,488	1,591	2,316	2,661
Change	-	17.65%	-0.67%	14.45%	1.38%	6.89%	45.59%	14.89%
EBITDA	-	-	-	-	-	-	-	-
Change	-	-	-	-	-	-	-	-
EBIT ¹	318.8	469.4	449.1	571.5	524.8	612.1	937.3	1,191
Change	-	47.23%	-4.33%	27.27%	-8.18%	16.64%	53.13%	27.07%
Interest Paid	-	-	-	-	-	-	-	-
Earnings before Tax (EBT) ¹	286	338.9	429.1	532	421.6	528	710.6	1,096
Change	-	18.51%	26.61%	23.99%	-20.75%	25.24%	34.57%	54.21%
Net income ¹	243.6	286.5	353	431.7	350	420.5	498.9	827
Change	-	17.61%	23.22%	22.28%	-18.92%	20.14%	18.63%	65.79%
Announcement Date	28/01/20	26/01/21	25/01/22	24/01/23	30/01/24	-	-	-

¹USD in Million

Estimates

Fiscal Period: Dezember	2019 Q3	2019 Q4	2020 Q1	2020 Q2	2020 Q3	2020 Q4	2021 Q1	2021 Q2	2021 Q3	2021 Q4	2022 Q1	2022 Q2	2022 Q3	2022 Q4	2023 Q1	2023 Q2	2023 Q3	2023 Q4	2024 Q1	2024 Q2	2024 Q3	2024 Q4	2025 Q1	2025 Q2	2025 Q3	2025 Q4	2026 Q1	2026 Q2
Net sales ¹	271.9	282.7	272.4	298.7	297.4	423	303	332.7	317.7	329.4	334	401.1	362.2	370.7	371.9	363.7	355.4	377.4	405.2	396.4	398.2	402.4	454.4	607.7	618.9	631.3	649.6	657.8
Change	-	3.98%	-3.66%	9.66%	-0.44%	42.23%	-28.36%	9.78%	-4.51%	3.68%	1.42%	20.09%	-9.7%	2.33%	0.33%	-2.21%	-2.27%	6.19%	7.35%	-2.16%	0.43%	1.06%	12.93%	33.73%	1.85%	2%	2.89%	1.26%
EBITDA	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Change	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
EBIT ¹	80.5	79.27	83.75	90.15	99.38	196.1	102.1	131.3	108.8	106.9	119.3	187.1	131.2	134.1	135.4	127.9	126.6	134.9	157.5	146.8	152.4	153.4	160.1	246	259.3	271.6	280.1	292.7
Change	-	-1.53%	5.65%	7.65%	10.24%	97.32%	-47.95%	28.66%	-17.15%	-1.78%	11.59%	56.85%	-29.88%	2.2%	0.98%	-5.5%	-1.05%	6.56%	16.72%	-6.74%	3.76%	0.7%	4.32%	53.71%	5.38%	4.74%	3.14%	4.5%
Charge d'intérêts	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Earnings before Tax (EBT) ¹	73	77.27	-4.254	68.65	83.38	191.1	109.6	107.3	113.8	98.37	125.8	173.6	108.8	123.8	111.6	110	119.2	80.8	133.9	126.9	132.8	130.2	125.4	-	240.7	242.2	257.2	269.1
Change	-	5.85%	-	-	21.46%	129.19%	-42.67%	-2.05%	6.04%	-13.56%	27.84%	38.05%	-37.32%	13.82%	-9.89%	-1.41%	8.33%	-32.21%	65.68%	-5.2%	4.65%	-1.99%	-3.66%	-100%	-	0.62%	6.19%	4.63%
Net income ¹	62.38	66.52	-3.439	60.53	73.09	156.3	92.64	87.41	94.47	78.5	106	137.6	87.99	100.2	92.44	90.11	96.55	70.92	110.3	101.3	105.2	103.6	53.17	119	148.2	160.2	160	209.9
Change	-	6.63%	-	-	20.76%	113.87%	-40.74%	-5.65%	8.07%	-16.91%	34.99%	29.82%	-36.03%	13.85%	-7.72%	-2.52%	7.15%	-26.55%	55.46%	-8.08%	3.83%	-1.57%	-48.67%	123.82%	24.54%	8.1%	-0.12%	31.19%
Announcement Date	29/10/19	28/01/20	28/04/20	28/07/20	27/10/20	26/01/21	27/04/21	27/07/21	26/10/21	25/01/22	26/04/22	26/07/22	25/10/22	24/01/23	25/04/23	25/07/23	24/10/23	30/01/24	29/04/24	30/07/24	-	-	-	-	-	-	-	-

¹USD in Million

Estimates

Forecast Balance Sheet: UMB Financial Corporation

Fiscal Period: Dezember	2019	2020	2021	2022	2023	2024	2025	2026
Net Debt	-	-	-	-	-	-	-	-
Change	-	-	-	-	-	-	-	-
Announcement Date	28/01/20	26/01/21	25/01/22	24/01/23	30/01/24	-	-	-

Estimates

Cash Flow Forecast: UMB Financial Corporation

Fiscal Period: Dezember	2018	2019	2020	2021	2022	2023
CAPEX ¹	57.94	72.31	60.22	33.69	51.72	26.91
Change	-	24.81%	-16.73%	-44.06%	53.52%	-47.97%
Free Cash Flow (FCF) ¹	-	-	-	-	-	-
Change	-	-	-	-	-	-
Announcement Date	01/03/19	27/02/20	01/03/21	24/02/22	23/02/23	22/02/24

¹USD in Million

Estimates

Forecast Financial Ratios: UMB Financial Corporation

Fiscal Period: Dezember	2018	2019	2020	2021	2022	2023	2024	2025	2026
Profitability
EBITDA Margin (%)	-	-	-	-	-	-	-	-	-
EBIT Margin (%)	-	29.04%	36.35%	35.01%	38.93%	35.26%	38.48%	40.47%	44.76%
EBT Margin (%)	-	26.05%	26.24%	33.45%	36.24%	28.33%	33.19%	30.68%	41.18%
Net margin (%)	-	22.19%	22.19%	27.52%	29.41%	23.52%	26.43%	21.54%	31.08%
FCF margin (%)	-	-	-	-	-	-	-	-	-
FCF / Net Income (%)	-	-	-	-	-	-	-	-	-
Profitability
ROA	-	1.03%	1%	1%	1.15%	1%	1%	1.06%	1.33%
ROE	-	9.99%	10.21%	11.47%	15.88%	13.87%	13.48%	12.85%	13.68%
Financial Health
Leverage (Debt/EBITDA)	-	-	-	-	-	-	-	-	-
Debt / Free cash flow	-	-	-	-	-	-	-	-	-
Capital Intensity
CAPEX / Current Assets (%)	-	-	-	-	-	-	-	-	-
CAPEX / EBITDA (%)	-	-	-	-	-	-	-	-	-
CAPEX / FCF (%)	-	-	-	-	-	-	-	-	-
Items per share
Cash flow per share ¹	-	-	-	-	-	-	-	-	-
Change	-	-	-	-	-	-	-	-	-
Dividend per Share ¹	-	1.21	1.25	1.38	1.49	1.53	1.57	1.62	1.7
Change	-	-	3.31%	10.4%	7.97%	2.68%	2.61%	3.18%	4.94%
Book Value Per Share ¹	-	53.09	62.84	64.95	55.2	63.85	70.82	80.28	87.47
Change	-	-	18.37%	3.36%	-15.01%	15.67%	10.92%	13.36%	8.96%
EPS ¹	-	4.96	5.93	7.24	8.86	7.18	8.578	7.182	10.96
Change	-	-	19.56%	22.09%	22.38%	-18.96%	19.47%	-16.27%	52.53%
Nbr of stocks (in thousands)	-	49,092	48,031	48,359	48,312	48,531	48,746	48,746	48,746
Announcement Date	-	28/01/20	26/01/21	25/01/22	24/01/23	30/01/24	-	-	-