Umb Financial Stock Z Score

UMBF Stock

USD 108.39 1.60 1.45%

Altman Z Score is one of the simplest fundamental models to determine how likely your company is to fail. The module uses available fundamental data of a given equity to approximate the Altman Z score. Altman Z Score is determined by evaluating five fundamental price points available from the company's current public disclosure documents. Check out UMB Financial Piotroski F Score and UMB Financial Valuation analysis.

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At this time, UMB Financial's Capital Expenditure Coverage Ratio is most likely to increase in the upcoming years. At this time, UMB Financial's Operating Income is most likely to increase significantly in the upcoming years. The UMB Financial's current EBIT is estimated to increase to about 568.3 M, while Depreciation And Amortization is projected to decrease to roughly 44 M.

UMB Financial Company Z Score Analysis

UMB Financial's Z-Score is a simple linear, multi-factor model that measures the financial health and economic stability of a company. The score is used to predict the probability of a firm going into bankruptcy within next 24 months or two fiscal years from the day stated on the accounting statements used to calculate it. The model uses five fundamental business ratios that are weighted according to algorithm of Professor Edward Altman who developed it in the late 1960s at New York University..

Z Score

Sum Of

5 Factors

More About Z Score | All Equity Analysis

First Factor

1.2 * (

Working Capital

/

Total Assets )

Second Factor

1.4 * (

Retained Earnings

/

Total Assets )

Thrid Factor

3.3 * (

EBITAD

/

Total Assets )

Fouth Factor

0.6 * (

Market Value of Equity

/

Total Liabilities )

Fifth Factor

0.99 * (

Revenue

/

Total Assets )

UMB Z Score 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 Z Score. 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.

	Total Assets	Total Stockholder Equity	Net Debt	Retained Earnings	Total Liab	Total Current Assets	Short Term Debt	Net Receivables	Short Term Investments	Common Stock	Accounts Payable	Long Term Debt	Treasury Stock	Intangible Assets	Property Plant Equipment	Good Will	Net Tangible Assets	Long Term Debt Total	Capital Surpluse	Long Term Investments	Short Long Term Debt	Earning Assets	Net Invested Capital	Capital Stock
Total Assets		0.96	-0.76	0.99	0.52	0.59	0.68	0.83	0.52	0.48	0.21	0.94	-0.44	-0.02	0.49	0.3	0.8	0.96	0.82	0.21	-0.65	0.85	0.88	-0.63
Total Stockholder Equity	0.96		-0.73	0.95	0.43	0.66	0.69	0.72	0.61	0.59	0.17	0.87	-0.35	-0.17	0.65	0.36	0.89	0.88	0.89	0.44	-0.75	0.85	0.8	-0.53
Net Debt	-0.76	-0.73		-0.68	-0.22	-0.75	-0.56	-0.43	-0.65	-0.25	-0.68	-0.64	0.25	0.41	-0.39	0.02	-0.72	-0.65	-0.6	-0.16	0.47	-0.67	-0.63	0.46
Retained Earnings	0.99	0.95	-0.68		0.56	0.52	0.62	0.86	0.42	0.47	0.09	0.95	-0.43	0.02	0.5	0.3	0.77	0.96	0.82	0.21	-0.64	0.85	0.87	-0.64
Total Liab	0.52	0.43	-0.22	0.56		0.46	0.16	0.8	-0.17	0.3	-0.32	0.43	-0.09	0.32	0.18	0.32	0.08	0.49	0.34	-0.11	-0.11	0.2	0.47	-0.72
Total Current Assets	0.59	0.66	-0.75	0.52	0.46		0.51	0.4	0.61	0.51	0.41	0.36	-0.13	-0.37	0.45	0.27	0.55	0.39	0.52	0.32	-0.41	0.4	0.44	-0.41
Short Term Debt	0.68	0.69	-0.56	0.62	0.16	0.51		0.49	0.83	0.68	0.38	0.59	-0.58	0.16	0.22	0.59	0.68	0.57	0.59	0.03	-0.4	0.64	0.71	-0.02
Net Receivables	0.83	0.72	-0.43	0.86	0.8	0.4	0.49		0.09	0.29	-0.12	0.83	-0.36	0.33	0.29	0.24	0.46	0.85	0.59	-0.03	-0.35	0.63	0.88	-0.66
Short Term Investments	0.52	0.61	-0.65	0.42	-0.17	0.61	0.83	0.09		0.65	0.59	0.37	-0.42	-0.22	0.33	0.44	0.72	0.35	0.52	0.31	-0.46	0.53	0.41	0.09
Common Stock	0.48	0.59	-0.25	0.47	0.3	0.51	0.68	0.29	0.65		-0.1	0.28	-0.4	0.16	0.34	0.91	0.47	0.31	0.55	0.23	-0.37	0.38	0.27	-0.12
Accounts Payable	0.21	0.17	-0.68	0.09	-0.32	0.41	0.38	-0.12	0.59	-0.1		0.15	-0.07	-0.36	-0.04	-0.26	0.35	0.13	0.11	-0.14	-0.16	0.22	0.2	0.11
Long Term Debt	0.94	0.87	-0.64	0.95	0.43	0.36	0.59	0.83	0.37	0.28	0.15		-0.42	0.06	0.42	0.15	0.76	1.0	0.76	0.15	-0.63	0.85	0.9	-0.55
Treasury Stock	-0.44	-0.35	0.25	-0.43	-0.09	-0.13	-0.58	-0.36	-0.42	-0.4	-0.07	-0.42		-0.37	0.3	-0.31	-0.2	-0.41	-0.02	0.24	-0.04	-0.38	-0.48	0.18
Intangible Assets	-0.02	-0.17	0.41	0.02	0.32	-0.37	0.16	0.33	-0.22	0.16	-0.36	0.06	-0.37		-0.48	0.42	-0.37	0.07	-0.22	-0.64	0.33	-0.13	0.14	-0.04
Property Plant Equipment	0.49	0.65	-0.39	0.5	0.18	0.45	0.22	0.29	0.33	0.34	-0.04	0.42	0.3	-0.48		0.17	0.73	0.43	0.81	0.78	-0.82	0.61	0.33	-0.26
Good Will	0.3	0.36	0.02	0.3	0.32	0.27	0.59	0.24	0.44	0.91	-0.26	0.15	-0.31	0.42	0.17		0.2	0.17	0.37	0.04	-0.23	0.14	0.13	-0.04
Net Tangible Assets	0.8	0.89	-0.72	0.77	0.08	0.55	0.68	0.46	0.72	0.47	0.35	0.76	-0.2	-0.37	0.73	0.2		0.74	0.91	0.54	-0.78	0.9	0.71	-0.18
Long Term Debt Total	0.96	0.88	-0.65	0.96	0.49	0.39	0.57	0.85	0.35	0.31	0.13	1.0	-0.41	0.07	0.43	0.17	0.74		0.76	0.14	-0.62	0.84	0.89	-0.62
Capital Surpluse	0.82	0.89	-0.6	0.82	0.34	0.52	0.59	0.59	0.52	0.55	0.11	0.76	-0.02	-0.22	0.81	0.37	0.91	0.76		0.5	-0.82	0.83	0.67	-0.31
Long Term Investments	0.21	0.44	-0.16	0.21	-0.11	0.32	0.03	-0.03	0.31	0.23	-0.14	0.15	0.24	-0.64	0.78	0.04	0.54	0.14	0.5		-0.59	0.3	0.06	-0.02
Short Long Term Debt	-0.65	-0.75	0.47	-0.64	-0.11	-0.41	-0.4	-0.35	-0.46	-0.37	-0.16	-0.63	-0.04	0.33	-0.82	-0.23	-0.78	-0.62	-0.82	-0.59		-0.66	-0.43	0.3
Earning Assets	0.85	0.85	-0.67	0.85	0.2	0.4	0.64	0.63	0.53	0.38	0.22	0.85	-0.38	-0.13	0.61	0.14	0.9	0.84	0.83	0.3	-0.66		0.84	-0.32
Net Invested Capital	0.88	0.8	-0.63	0.87	0.47	0.44	0.71	0.88	0.41	0.27	0.2	0.9	-0.48	0.14	0.33	0.13	0.71	0.89	0.67	0.06	-0.43	0.84		-0.42
Capital Stock	-0.63	-0.53	0.46	-0.64	-0.72	-0.41	-0.02	-0.66	0.09	-0.12	0.11	-0.55	0.18	-0.04	-0.26	-0.04	-0.18	-0.62	-0.31	-0.02	0.3	-0.32	-0.42

Click cells to compare fundamentals

To calculate a Z-Score, one would need to know a company's current working capital, its total assets and liabilities, and the amount of its latest earnings as well as earnings before interest and tax. Z-Scores can be used to compare the odds of bankruptcy of companies in a similar line of business or firms operating in the same industry. Companies with Z-Scores above 3.1 are generally considered to be stable and healthy with a low probability of bankruptcy. Scores that fall between 1.8 and 3.1 lie in a so-called 'grey area,' with scores of less than 1 indicating the highest probability of distress. Z Score is a used widely measure by financial auditors, accountants, money managers, loan processors, wealth advisers, and day traders. In the last 25 years, many financial models that utilize z-scores proved it to be successful as a predictor of corporate bankruptcy.

Competition

Predict UMB Financial

As per the company's disclosures, UMB Financial has a Z Score of 0.0. This is 100.0% lower than that of the Banks sector and about the same as Financials (which currently averages 0.0) industry. The z score for all United States stocks is 100.0% higher than that of the company.

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 Financial Institutional Holders

Institutional Holdings refers to the ownership stake in UMB Financial that is held by large financial organizations, pension funds or endowments. Institutions may purchase large blocks of UMB Financial's outstanding shares and can exert considerable influence upon its management. Institutional holders may also work to push the share price higher once they own the stock. Extensive social media coverage, TV shows, articles in high-profile magazines, and presentations at investor conferences help move the stock higher, increasing UMB Financial's value.

		Shares
Victory Capital Management Inc.	2025-03-31	1.2 M
Fmr Inc	2025-03-31	1.1 M
Goldman Sachs Group Inc	2025-03-31	936.7 K
Northern Trust Corp	2025-03-31	917 K
Principal Financial Group Inc	2025-03-31	839.8 K
Bank Of America Corp	2025-03-31	820.3 K
Charles Schwab Investment Management Inc	2025-03-31	813.8 K
Neuberger Berman Group Llc	2025-03-31	780.5 K
Freestone Grove Partners Lp	2025-03-31	749.5 K
Blackrock Inc	2025-03-31	8.8 M
Vanguard Group Inc	2025-03-31	7.3 M

UMB Fundamentals

	Return On Equity	0.0833
	Return On Asset	0.0072
	Profit Margin	0.25 %
	Operating Margin	0.25 %
	Current Valuation	9.76 B
	Shares Outstanding	75.93 M
	Shares Owned By Insiders	5.40 %
	Shares Owned By Institutions	89.26 %
	Number Of Shares Shorted	2.2 M
	Price To Earning	10.79 X
	Price To Book	1.22 X
	Price To Sales	5.04 X
	Revenue	2.64 B
	Gross Profit	1.66 B
	EBITDA	594.04 M
	Net Income	441.24 M
	Cash And Equivalents	2.87 B
	Cash Per Share	59.41 X
	Total Debt	3 B
	Debt To Equity	9.08 %
	Book Value Per Share	71.02 X
	Cash Flow From Operations	225.29 M
	Short Ratio	3.14 X
	Earnings Per Share	8.83 X
	Price To Earnings To Growth	1.73 X
	Target Price	131.73
	Number Of Employees	3.7 K
	Beta	0.75
	Market Capitalization	8.35 B
	Total Asset	50.41 B
	Retained Earnings	3.17 B
	Annual Yield	0.01 %
	Five Year Return	1.70 %
	Net Asset	50.41 B

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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UMB Financial financial ratios help investors to determine whether UMB Stock is cheap or expensive when compared to a particular measure, such as profits or enterprise value. In other words, they help investors to determine the cost of investment in UMB with respect to the benefits of owning UMB Financial security.

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Umb Financial Stock Z Score

UMB Financial Company Z Score Analysis

Z Score

Sum Of

5 Factors

First Factor

1.2 * (

Working Capital

/

Total Assets )

Second Factor

1.4 * (

Retained Earnings

/

Total Assets )

Thrid Factor

3.3 * (

EBITAD

/

Total Assets )

Fouth Factor

0.6 * (

Market Value of Equity

/

Total Liabilities )

Fifth Factor

0.99 * (

Revenue

/

Total Assets )

UMB Z Score Driver Correlations

UMB Financial ESG Sustainability

UMB Financial Institutional Holders

UMB Fundamentals

About UMB Financial Fundamental Analysis

Currently Active Assets on Macroaxis

Other Information on Investing in UMB Stock

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