Three independent discounted-cash-flow-style models value UMB Financial Corp every trading day. 1 of 3 currently price UMBF above its market price.
| Free Cash Flow model | $-574.25 |
| Excess Profit model | $257.94 |
| Residual Earnings model | $9.48 |
| Dividend Discount model | $31.05 |
| Piotroski F-Score | 6 / 9 |
| Return on invested capital | +8.5% |
| Net debt / EBITDA | -10.2× |
| Gross margin | +100.0% |
| Revenue CAGR | +43.4% |
| Cash conversion | 1.5× |
| Dividend yield | +1.4% |
| Buyback yield | -50.3% |
These are StockKitty's default assumptions. In the app, the models recompute live as you adjust growth, discount rates, and margins — and the AI explains the bull case, bear case, and quality picture.
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