Umb Financial Stock Retained Earnings
| UMBF Stock | USD 114.61 1.41 1.25% |
UMB Financial fundamentals help investors to digest information that contributes to UMB Financial's financial success or failures. It also enables traders to predict the movement of UMB Stock. The fundamental analysis module provides a way to measure UMB Financial's intrinsic value by examining its available economic and financial indicators, including the cash flow records, the balance sheet account changes, the income statement patterns, and various microeconomic indicators and financial ratios related to UMB Financial stock.
| Last Reported | Projected for Next Year | ||
| Retained Earnings | 2.8 B | 3 B | |
| Retained Earnings Total Equity | 2.9 B | 1.5 B |
UMB | Retained Earnings |
UMB Financial Company Retained Earnings Analysis
UMB Financial's Retained Earnings is a balance sheet account that refers to the portion of company income that is retained by the firm. In other words, it is a part of earnings that is not paid out as dividends or otherwise distributed to owners. Retained Earnings are calculated by adding net income to last period retained earnings and subtracting any dividends paid to owners.
More About Retained Earnings | All Equity Analysis
Retained Earnings | = | Beginning RE + Income | - | Dividends |
Current UMB Financial Retained Earnings | 2.81 B |
Most of UMB Financial's fundamental indicators, such as Retained Earnings, are part of a valuation analysis module that helps investors searching for stocks that are currently trading at higher or lower prices than their real value. If the real value is higher than the market price, UMB Financial is considered to be undervalued, and we provide a buy recommendation. Otherwise, we render a sell signal.
UMB Retained Earnings Driver Correlations
Understanding the fundamental principles of building solid financial models for UMB Financial is extremely important. It helps to project a fair market value of UMB Stock properly, considering its historical fundamentals such as Retained Earnings. Since UMB Financial's main accounts across its financial reports are all linked and dependent on each other, it is essential to analyze all possible correlations between related accounts. However, instead of reviewing all of UMB Financial's historical financial statements, investors can examine the correlated drivers to determine its overall health. This can be effectively done using a conventional correlation matrix of UMB Financial's interrelated accounts and indicators.
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UMB Retained Earnings Historical Pattern
Today, most investors in UMB Financial Stock are looking for potential investment opportunities by analyzing not only static indicators but also various UMB Financial's growth ratios. Consistent increases or drops in fundamental ratios usually indicate a possible pattern that can be successfully translated into profits. However, when comparing two companies, knowing each company's retained earnings growth rates may not be enough to decide which company is a better investment. That's why investors frequently use a static breakdown of UMB Financial retained earnings as a starting point in their analysis.
UMB Financial Retained Earnings |
| Timeline |
Retained Earnings shows how the firm utilizes its profits over time. In simple terms, investors can think of retained earnings as the amount of profit the company has reinvested in the business since its inceptions. However the methodology to make a decision over how much profit to retain is different between companies in different industries. For example, growing industries tend to retain more of their earnings than more matured industries as they need more assets investment to sustain their growth.
| Competition |
Based on the latest financial disclosure, UMB Financial has a Retained Earnings of 2.81 B. This is 81.57% lower than that of the Banks sector and significantly higher than that of the Financials industry. The retained earnings for all United States stocks is 69.87% higher than that of the company.
UMB Retained Earnings Peer Comparison
Stock peer comparison is one of the most widely used and accepted methods of equity analyses. It analyses UMB Financial's direct or indirect competition against its Retained Earnings to detect undervalued stocks with similar characteristics or determine the stocks which would be a good addition to a portfolio. Peer analysis of UMB Financial could also be used in its relative valuation, which is a method of valuing UMB Financial by comparing valuation metrics of similar companies.UMB Financial is currently under evaluation in retained earnings category among its peers.
UMB Financial Current Valuation Drivers
We derive many important indicators used in calculating different scores of UMB Financial from analyzing UMB Financial's financial statements. These drivers represent accounts that assess UMB Financial's ability to generate profits relative to its revenue, operating costs, and shareholders' equity. Below are some of UMB Financial's important valuation drivers and their relationship over time.
| 2019 | 2020 | 2021 | 2022 | 2023 | 2024 (projected) | ||
| Market Cap | 3.3B | 3.3B | 5.1B | 4.0B | 4.1B | 4.3B | |
| Enterprise Value | 1.7B | 49.9M | (3.9B) | 2.7B | (171.3M) | (162.7M) |
UMB Financial ESG Sustainability
Some studies have found that companies with high sustainability scores are getting higher valuations than competitors with lower social-engagement activities. While most ESG disclosures are voluntary and do not directly affect the long term financial condition, UMB Financial's sustainability indicators can be used to identify proper investment strategies using environmental, social, and governance scores that are crucial to UMB Financial's managers, analysts, and investors.Environmental | Governance | Social |
UMB Fundamentals
| Return On Equity | 0.12 | ||||
| Return On Asset | 0.0088 | ||||
| Profit Margin | 0.26 % | ||||
| Operating Margin | 0.37 % | ||||
| Current Valuation | 7.57 B | ||||
| Shares Outstanding | 48.8 M | ||||
| Shares Owned By Insiders | 8.81 % | ||||
| Shares Owned By Institutions | 91.19 % | ||||
| Number Of Shares Shorted | 3.23 M | ||||
| Price To Earning | 10.79 X | ||||
| Price To Book | 1.58 X | ||||
| Price To Sales | 3.66 X | ||||
| Revenue | 1.33 B | ||||
| Gross Profit | 1.43 B | ||||
| EBITDA | (85.6 M) | ||||
| Net Income | 350.02 M | ||||
| Cash And Equivalents | 2.87 B | ||||
| Cash Per Share | 59.41 X | ||||
| Total Debt | 1.38 B | ||||
| Debt To Equity | 9.08 % | ||||
| Book Value Per Share | 72.45 X | ||||
| Cash Flow From Operations | 472.6 M | ||||
| Short Ratio | 7.60 X | ||||
| Earnings Per Share | 8.01 X | ||||
| Price To Earnings To Growth | 1.73 X | ||||
| Target Price | 138.89 | ||||
| Number Of Employees | 3.6 K | ||||
| Beta | 0.79 | ||||
| Market Capitalization | 5.58 B | ||||
| Total Asset | 44.01 B | ||||
| Retained Earnings | 2.81 B | ||||
| Annual Yield | 0.01 % | ||||
| Five Year Return | 1.70 % | ||||
| Net Asset | 44.01 B | ||||
| Last Dividend Paid | 1.56 |
About UMB Financial Fundamental Analysis
The Macroaxis Fundamental Analysis modules help investors analyze UMB Financial's financials across various querterly and yearly statements, indicators and fundamental ratios. We help investors to determine the real value of UMB Financial using virtually all public information available. We use both quantitative as well as qualitative analysis to arrive at the intrinsic value of UMB Financial based on its fundamental data. In general, a quantitative approach, as applied to this company, focuses on analyzing financial statements comparatively, whereas a qaualitative method uses data that is important to a company's growth but cannot be measured and presented in a numerical way.
Please read more on our fundamental analysis page.
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When determining whether UMB Financial is a strong investment it is important to analyze UMB Financial's competitive position within its industry, examining market share, product or service uniqueness, and competitive advantages. Beyond financials and market position, potential investors should also consider broader economic conditions, industry trends, and any regulatory or geopolitical factors that may impact UMB Financial's future performance. For an informed investment choice regarding UMB Stock, refer to the following important reports:Check out UMB Financial Piotroski F Score and UMB Financial Altman Z Score analysis. For more detail on how to invest in UMB Stock please use our How to Invest in UMB Financial guide.You can also try the Money Flow Index module to determine momentum by analyzing Money Flow Index and other technical indicators.
Is Regional Banks space 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 0.126 | Dividend Share 1.56 | Earnings Share 8.01 | Revenue Per Share 31.297 | Quarterly Revenue Growth 0.107 |
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.