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UMB Financial Corporation

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
1010 Grand Boulevard, Kansas City, MO, 64106, United States
816-860-7000
www.umb.com
時価総額
$9.78B
PER (TTM)
13.9
15
配当利回り
1.3%
52週高値
$136.11
52週安値
$82.00
52週レンジ
86%
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

$0.00+0.00%
直近4四半期の推移

2025 Q3 決算ハイライト

主なハイライト

Strong Net Interest Income Growth 3Q NII surged 92.0% to $475.0M, driven by HTLF acquisition and NIM expansion to 3.04% on a tax-equivalent basis.
Credit Quality Deterioration Noted Provision for credit losses rose to $129.5M (9M); nonaccrual loans increased sharply to $131.9M, reflecting acquisition impact.
Capital Ratios Remain Strong Total risk-based capital ratio stood at 13.11% as of September 30, 2025, exceeding regulatory minimums comfortably.
Noninterest Income Rises Noninterest income grew 28.1% in the quarter, boosted by increased fee income from acquired HTLF operations and trust services.

リスク要因

Asset Quality Deterioration Nonaccrual loans spiked to $131.9M; ACL coverage on loans decreased to 3.07x nonperforming loans, indicating increased credit stress.
High Uninsured Deposit Levels Uninsured deposits reached $40.0B, representing 66.5% of total deposits, increasing funding sensitivity and reliance on core deposits.
HTLF Integration Costs Noninterest expense included $102.3M in acquisition-related costs for the nine months ended September 30, 2025, impacting profitability.
Economic Market Volatility Continued volatility in economic markets may impact the balance sheet and income statement for the remainder of 2025.

見通し

Focus on Operating Efficiency Company continues investing in technology to drive future operating leverage and improve efficiency post-HTLF integration completion.
NIM Volatility Expected Expect continued market volatility impacting net interest income; management monitors rate changes closely for balance sheet positioning.
Credit Risk Monitoring ACL estimates will continue incorporating lifetime historical loss experience and reasonable, supportable economic forecasts.
Capital for Growth Maintain strong capital position to support organic growth, strategic reinvestment, and potential future acquisition opportunities.

同業比較

売上高 (TTM)

Citizens Financial Group, Inc.CFG
$11.15B
-9.7%
Western Alliance BancorporationWAL
$5.29B
+5.6%
Zions Bancorporation, National AssociationZION
$4.94B
-0.8%

粗利益率 (最新四半期)

Citizens Financial Group, Inc.CFG
100.0%
+40.1pp
Cullen/Frost Bankers, Inc.CFR
98.1%
+0.0pp
Commerce Bancshares, Inc.CBSH
80.4%
+2.5pp

主要指標

銘柄コード
時価総額
PER (TTM)
ROE (TTM)
負債比率
CFG$27.96B15.37.2%5.0%
FHN$12.09B12.311.1%5.5%
WBS$11.47B11.410.7%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
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EPS:-
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売上高:-
財務レポート
財務データ
全年度
  • Form 10-Q - Q3 2025

    会計期末: 2025年9月30日|提出日: 2025年10月30日|
    売上高: $1.49B+121.2%
    |
    EPS: $2.38+5.8%
    予想を下回る
  • Form 10-Q - Q2 2025

    会計期末: 2025年6月30日|提出日: 2025年7月31日|
    売上高: $1.02B+58.4%
    |
    EPS: $2.84+36.5%
    予想を上回る
  • Form 10-Q - Q1 2025

    会計期末: 2025年3月31日|提出日: 2025年5月2日|
    売上高: $850.52M+32.7%
    |
    EPS: $1.22-46.3%
    予想を下回る
  • Form 10-K - FY 2024

    会計期末: 2024年12月31日|提出日: 2025年2月27日|
    売上高: $2.64B+17.5%
    |
    EPS: $9.05+25.3%
    予想を上回る
  • Form 10-Q - Q3 2024

    会計期末: 2024年9月30日|提出日: 2024年10月31日|
    売上高: $674.26M+18.2%
    |
    EPS: $2.25+13.1%
    予想通り
  • Form 10-Q - Q2 2024

    会計期末: 2024年6月30日|提出日: 2024年8月1日|
    売上高: $641.68M+13.7%
    |
    EPS: $2.08+11.8%
    予想を上回る
  • Form 10-Q - Q1 2024

    会計期末: 2024年3月31日|提出日: 2024年5月7日|
    売上高: $640.81M+26.0%
    |
    EPS: $2.27+18.8%
    予想を上回る
  • Form 10-K - FY 2023

    会計期末: 2023年12月31日|提出日: 2024年2月22日|
    売上高: $2.24B+41.8%
    |
    EPS: $7.22-19.1%
    予想を下回る