UMB Short Term Debt vs Retained Earnings Analysis

UMBF Stock  USD 122.36  2.61  2.09%   
UMB Financial financial indicator trend analysis is much more than just breaking down UMB Financial prevalent accounting drivers to predict future trends. We encourage investors to analyze account correlations over time for multiple indicators to determine whether UMB Financial is a good investment. Please check the relationship between UMB Financial Short Term Debt and its Retained Earnings accounts. Check out World Market Map to better understand how to build diversified portfolios, which includes a position in UMB Financial. Also, note that the market value of any company could be closely tied with the direction of predictive economic indicators such as signals in bureau of labor statistics.
For more detail on how to invest in UMB Stock please use our How to Invest in UMB Financial guide.

Short Term Debt vs Retained Earnings

Short Term Debt vs Retained Earnings Correlation Analysis

The overlapping area represents the amount of trend that can be explained by analyzing historical patterns of UMB Financial Short Term Debt account and Retained Earnings. At this time, the significance of the direction appears to have fragmental relationship.
The correlation between UMB Financial's Short Term Debt and Retained Earnings is 0.49. Overlapping area represents the amount of variation of Short Term Debt that can explain the historical movement of Retained Earnings in the same time period over historical financial statements of UMB Financial, assuming nothing else is changed. The correlation between historical values of UMB Financial's Short Term Debt and Retained Earnings is a relative statistical measure of the degree to which these accounts tend to move together. The correlation coefficient measures the extent to which Short Term Debt of UMB Financial are associated (or correlated) with its Retained Earnings. Values of the correlation coefficient range from -1 to +1, where. The correlation of zero (0) is possible when Retained Earnings has no effect on the direction of Short Term Debt i.e., UMB Financial's Short Term Debt and Retained Earnings go up and down completely randomly.

Correlation Coefficient

0.49
Relationship DirectionPositive 
Relationship StrengthWeak

Short Term Debt

Retained Earnings

The cumulative amount of net income that a company retains for reinvestment in its operations, rather than distributing it to shareholders as dividends.
Most indicators from UMB Financial's fundamental ratios are interrelated and interconnected. However, analyzing fundamental ratios indicators one by one will only give a small insight into UMB Financial current financial condition. On the other hand, looking into the entire matrix of fundamental ratios indicators, and analyzing their relationships over time can provide a more complete picture of the company financial strength now and in the future. Check out World Market Map to better understand how to build diversified portfolios, which includes a position in UMB Financial. Also, note that the market value of any company could be closely tied with the direction of predictive economic indicators such as signals in bureau of labor statistics.
For more detail on how to invest in UMB Stock please use our How to Invest in UMB Financial guide.The current Selling General Administrative is estimated to decrease to about 301.6 M. The UMB Financial's current Discontinued Operations is estimated to increase to about (816.1 K)
 2021 2022 2023 2024 (projected)
Operating Income429.1M750.7M507.2M263.5M
Other Operating Expenses766.9M25.7M1.3B1.4B

UMB Financial fundamental ratios Correlations

0.680.690.780.43-0.120.710.35-0.02-0.250.340.090.360.770.240.490.16-0.130.520.480.610.50.260.26-0.60.1
0.680.680.950.34-0.410.980.78-0.13-0.340.430.080.640.560.30.87-0.05-0.040.480.770.550.40.50.51-0.010.3
0.690.680.730.47-0.580.620.540.3-0.5-0.050.450.020.62-0.260.640.370.250.840.180.980.510.290.29-0.090.48
0.780.950.730.56-0.410.930.690.08-0.240.350.240.50.730.230.740.150.030.550.650.640.410.60.6-0.230.24
0.430.340.470.56-0.250.320.080.590.120.190.52-0.210.78-0.080.20.590.530.46-0.090.5-0.030.770.77-0.58-0.04
-0.12-0.41-0.58-0.41-0.25-0.25-0.77-0.630.00.39-0.80.14-0.240.35-0.49-0.65-0.47-0.620.08-0.6-0.54-0.18-0.18-0.22-0.91
0.710.980.620.930.32-0.250.67-0.26-0.390.52-0.060.680.550.360.84-0.17-0.130.420.820.490.330.490.5-0.050.15
0.350.780.540.690.08-0.770.670.15-0.090.060.390.510.250.210.710.210.010.360.560.450.550.280.290.280.71
-0.02-0.130.30.080.59-0.63-0.260.150.34-0.560.93-0.610.32-0.48-0.180.950.590.42-0.590.410.220.260.26-0.260.45
-0.25-0.34-0.5-0.240.120.0-0.39-0.090.34-0.090.29-0.110.050.17-0.450.310.27-0.49-0.22-0.46-0.250.080.08-0.25-0.07
0.340.43-0.050.350.190.390.520.06-0.56-0.09-0.510.620.310.790.37-0.39-0.21-0.220.64-0.14-0.210.50.51-0.21-0.44
0.090.080.450.240.52-0.8-0.060.390.930.29-0.51-0.460.37-0.440.050.910.650.52-0.420.540.270.240.23-0.150.64
0.360.640.020.5-0.210.140.680.51-0.61-0.110.62-0.460.040.810.41-0.54-0.62-0.310.98-0.140.110.20.210.13-0.12
0.770.560.620.730.78-0.240.550.250.320.050.310.370.040.070.420.450.320.570.180.630.310.660.66-0.630.07
0.240.3-0.260.23-0.080.350.360.21-0.480.170.79-0.440.810.070.08-0.34-0.54-0.540.73-0.36-0.070.30.3-0.15-0.34
0.490.870.640.740.2-0.490.840.71-0.18-0.450.370.050.410.420.08-0.090.180.580.550.540.360.360.370.160.48
0.16-0.050.370.150.59-0.65-0.170.210.950.31-0.390.91-0.540.45-0.34-0.090.550.48-0.510.470.380.280.27-0.40.5
-0.13-0.040.250.030.53-0.47-0.130.010.590.27-0.210.65-0.620.32-0.540.180.550.4-0.540.34-0.220.30.3-0.030.32
0.520.480.840.550.46-0.620.420.360.42-0.49-0.220.52-0.310.57-0.540.580.480.4-0.130.860.550.180.18-0.190.55
0.480.770.180.65-0.090.080.820.56-0.59-0.220.64-0.420.980.180.730.55-0.51-0.54-0.130.020.160.280.280.09-0.08
0.610.550.980.640.5-0.60.490.450.41-0.46-0.140.54-0.140.63-0.360.540.470.340.860.020.490.30.3-0.110.48
0.50.40.510.41-0.03-0.540.330.550.22-0.25-0.210.270.110.31-0.070.360.38-0.220.550.160.49-0.06-0.07-0.130.64
0.260.50.290.60.77-0.180.490.280.260.080.50.240.20.660.30.360.280.30.180.280.3-0.061.0-0.22-0.1
0.260.510.290.60.77-0.180.50.290.260.080.510.230.210.660.30.370.270.30.180.280.3-0.071.0-0.22-0.1
-0.6-0.01-0.09-0.23-0.58-0.22-0.050.28-0.26-0.25-0.21-0.150.13-0.63-0.150.16-0.4-0.03-0.190.09-0.11-0.13-0.22-0.220.24
0.10.30.480.24-0.04-0.910.150.710.45-0.07-0.440.64-0.120.07-0.340.480.50.320.55-0.080.480.64-0.1-0.10.24
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UMB Financial Account Relationship Matchups

UMB Financial fundamental ratios Accounts

201920202021202220232024 (projected)
Common Stock Shares Outstanding49.1M48.3M48.7M48.7M48.8M51.3M
Total Assets26.6B33.1B42.7B38.5B44.0B46.2B
Short Long Term Debt Total2.0B2.6B3.5B2.6B1.4B1.5B
Total Stockholder Equity2.6B3.0B3.1B2.7B3.1B3.3B
Property Plant And Equipment Net300.3M293.1M270.9M263.6M211.3M237.3M
Net Debt(1.6B)(3.3B)(9.0B)(1.3B)(1.3B)(1.4B)
Retained Earnings1.7B1.9B2.2B2.5B2.8B3.0B
Cash1.7B3.5B9.3B1.7B5.6B5.9B
Non Current Assets Total9.2B11.1B14.3B549.8M520.1M494.1M
Non Currrent Assets Other(60.5M)(96.8M)(95.1M)(13.6B)(726.4M)(690.0M)
Other Assets8.1B9.0B7.1B38.0B43.0B45.2B
Cash And Short Term Investments9.1B12.8B21.2B420K452.2M429.6M
Liabilities And Stockholders Equity26.6B33.1B42.7B38.5B44.0B46.2B
Non Current Liabilities Total97.5M269.6M271.5M381.3M40.5B42.6B
Other Stockholder Equity795.8M752.3M787.1M778.7M791.5M562.8M
Total Liab97.5M269.6M271.5M381.3M40.9B43.0B
Property Plant And Equipment Gross300.3M293.1M849.0M875.8M606.2M636.5M
Total Current Assets9.3B13.0B21.4B420K452.2M429.6M
Other Current Liab7.0B9.9B16.3B14.1B(615.2M)(584.5M)
Total Current Liabilities8.9B12.2B19.6B16.3B384.8M365.5M
Net Receivables124.5M139.9M131.1M189.2M519.7M545.6M
Short Term Debt1.9B2.3B3.2B2.2B1B684.4M
Accumulated Other Comprehensive Income83.2M318.3M126.3M(702.7M)(556.9M)(529.1M)
Other Current Assets3.5B5.4B10.7B2.9B6.2B3.7B
Other Liab62.1M154.5M188.7M172.9M198.8M123.9M
Accounts Payable232.2M319.7M35.6B239.6M215.7M204.9M
Long Term Debt97.5M269.6M271.5M381.3M383.2M402.4M
Short Term Investments7.4B9.3B12.0B7.0B19.5B20.5B
Inventory(3.5B)(5.4B)(10.7B)(3.1B)(966.9M)(1.0B)
Treasury Stock(278.0M)(338.1M)(323.5M)(347.3M)(312.5M)(328.2M)
Intangible Assets27.6M21.1M14.4M78.7M101.4M106.5M
Property Plant Equipment300.3M293.1M270.9M263.6M303.2M276.7M
Net Tangible Assets2.4B2.8B3.0B2.4B2.7B2.0B
Retained Earnings Total Equity1.7B1.9B2.2B2.5B2.9B1.5B
Long Term Debt Total97.5M269.6M271.5M381.3M438.5M460.4M
Capital Surpluse1.1B1.1B1.1B1.1B1.3B1.1B
Long Term Investments22.2B26.7B13.8B13.2B13.2B17.3B

Currently Active Assets on Macroaxis

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 World Market Map to better understand how to build diversified portfolios, which includes a position in UMB Financial. Also, note that the market value of any company could be closely tied with the direction of predictive economic indicators such as signals in bureau of labor statistics.
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 Price Exposure Probability module to analyze equity upside and downside potential for a given time horizon across multiple markets.
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
7.84
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.