UMB Financial Corporation
NASDAQ•UMBF
CEO: Mr. J. Mariner Kemper
セクター: Financial Services
業種: Banks - Regional
上場日: 1980-03-17
UMB Financial Corporation operates as the bank holding company that provides banking services and asset servicing in the United States and internationally. The Commercial Banking segment provides commercial loans and credit card; commercial real estate financing; letters of credit; loan syndication, and consultative service; various business solutions including asset-based lending, mezzanine debt, and minority equity investment; and treasury management service, such as depository service, account reconciliation, cash management tool, accounts payable and receivable solution, electronic fund transfer and automated payment, controlled disbursement, lockbox service, and remote deposit capture service. The Institutional Banking segment offers fund, asset management, and healthcare service to institutional clients; and fund administration and accounting, investor service and transfer agency, mutual fund service, alternative investment service, fixed income sale, trading and underwriting, and corporate trust and escrow service, as well as institutional custody service. This segment also provides healthcare payment solution includes custodial service for health saving accounts and private label, multipurpose debit cards to insurance carriers, third-party administrator, software companies, employers, and financial institutions. The Personal Banking segment offers deposit account, retail credit card, private banking, installment loan, home equity line of credit, residential mortgage, as well as internet banking, ATM network, private banking, brokerage and insurance service, and investment advisory, custody, and trust services. It operates through a network of branches and offices. The company was founded in 1913 and is headquartered in Kansas City, Missouri.
連絡先情報
時価総額
$9.05B
PER (TTM)
12.9
14.1
配当利回り
1.4%
52週高値
$136.11
52週安値
$82.00
52週レンジ
順位36Top 31.8%
4.5
F-Score
改良版 Piotroski 分析
10年ファンダメンタル
堅調 • 4.5 / 9 ポイント
スコアレンジ (0-9)
8-9: 価値が優れている
6-7: 基礎体質が強い
4-5: 全体的に堅調
0-3: パフォーマンスが弱い
データ期間: 2016-2025
財務ダッシュボード
Q4 2025 データ
売上高
$1.09B+59.54%
直近4四半期の推移
EPS
$2.76+12.20%
直近4四半期の推移
フリーCF
-$775.21M+0.00%
直近4四半期の推移
2025 Annual 決算ハイライト
主なハイライト
HTLF Acquisition Drives Growth 2025 Net Income available to common shareholders rose 55.2% to $684.6M, fueled by the January 2025 HTLF acquisition adding $16.1B in assets.
Strong Net Interest Income FTE Net Interest Income surged 86.1% to $1.895B, driven by acquisition volume and a 59 basis point increase in FTE Net Interest Margin to 3.10%.
Robust Capital Position Total Risk-Based Capital Ratio for UMBF stood strong at 13.36% as of December 31, 2025, reflecting effective capital management.
Fee Income Expansion Total noninterest income grew 25.8% to $790.1M in 2025, primarily due to increased trust/securities processing and bankcard fees post-acquisition.
リスク要因
Credit Quality Deterioration Total non-performing loans increased significantly to $144.7M, driven by HTLF acquisition, though ACL coverage remains strong at 2.90x non-performing loans.
Rising Noninterest Expenses Noninterest expense jumped 58.1% to $1.623B in 2025, largely due to $142.0M in HTLF acquisition-related costs and higher salaries/benefits.
Regulatory Scrutiny Exposure The company faces evolving regulatory frameworks, including potential Basel III endgame changes, increasing compliance costs and operational complexity.
Real Estate Portfolio Concentration 53.7% of the loan portfolio is secured by real estate, making performance susceptible to volatile commercial real estate market conditions.
見通し
Future NIM Volatility Expected The company anticipates continued volatility in NIM for 2026 due to changing economic markets and governmental responses to inflation and trade disputes.
Managing Expanded Operations Future success depends on fully realizing anticipated benefits from the HTLF acquisition, including integrating systems and managing potential cultural incompatibilities.
Intensifying Competition Outlook Competition is expected to intensify, especially from fintechs, requiring continued investment in technology and innovation to maintain market position.
Capital Deployment Strategy Management emphasizes maximizing shareholder value through organic growth, acquisitions, dividends, and utilizing the share repurchase program.
同業比較
売上高 (TTM)
$11.15B
$5.29B
$4.94B
粗利益率 (最新四半期)
100.0%
80.4%
76.4%
主要指標
銘柄コード | 時価総額 | PER (TTM) | ROE (TTM) | 負債比率 |
|---|---|---|---|---|
| CFG | $25.86B | 14.2 | 7.2% | 5.0% |
| FHN | $11.56B | 11.7 | 11.1% | 5.5% |
| WBS | $11.30B | 11.2 | 10.7% | 5.1% |
長期トレンド
直近4四半期
売上高
純利益
営業キャッシュフロー
4四半期売上高CAGR
8.5%
安定成長
4四半期純利益CAGR
38.3%
収益性の大幅な改善
キャッシュフロー安定性
75%
キャッシュフローの変動が大きい
深度リサーチ
次回決算:2026年4月27日
EPS:-
|売上高:-
財務データ
決算説明会
財務レポート
ニュース
損益計算書
バランスシート
キャッシュフロー計算書
財務比率
変化率
損益計算書 | 直近12ヶ月 |
|---|
データなし