Each factor with its sector median and, where it's reported per quarter, its last 12 quarters.
UMBFSector12 quartersMarket cap$10.34B$6.02BEnterprise value$5.21B$8.09BAvg daily $ volume$107.38M$69.62MDaily turnover1.0%0.9%
UMBFSector12 quartersRevenue CAGR 3y—9.3%Revenue CAGR 5y—7.4%Revenue growth YoY—10.7%Revenue acceleration—−0.5 ppFCF growth YoY56.0%13.9%FCF conversion110.4%111.5%Forward growth (HoM est.)—10.6% UMBFSector12 quartersP/E (trailing)11.0×13.0×P/E (forward, HoM est.)—11.9×P/E vs. sector0.8×1.0×PEG (HoM est.)—1.33EV/Sales—2.7×FCF yield20.0%7.4%Dividend yield1.2%2.0%Shareholder yield1.6%4.6%
UMBFSector12 quartersQuality checks passed33ROIC—15.0%Gross margin—61.0%Gross margin Δ 3y—+3.8 ppOperating margin—23.7%Operating margin Δ 3y—+2.0 ppShare count Δ 3y56.5%-1.6%Stock compensation / revenue—2.0%Accruals ratio-0.2%-0.5% UMBFSector12 quartersEfficiency ratio55.7%58.5%Net interest income / assets2.9%3.2%Credit cost—0.2%Return on tangible equity16.4%14.6%Equity / assets11.1%13.4%Price / tangible book1.8×1.8× UMBFSector12 quartersDays to next report713
UMBFSector12 quartersInsider buys (90d)20Insiders buying (90d)20Insider net value (90d)-$5.42M-$161.4KInstitutional ownership96.0%85.8%Institutional Δ QoQ+3.7 pp+0.8 ppConviction funds net buying—+0.0 ppActive managers net buying−1.0 pp−0.0 ppActive funds net buying+0.0 pp+0.0 ppDays to cover4.934.49Short % of shares out5.1%4.4%Short interest Δ+0.3 pp+0.1 pp