UMB Financial Corporation (UMBF) exhibits 41.0% gross margins and 2.5% return on invested capital within Financials (Major Banks), balanced against a 33.4x enterprise multiple and 7.0% implied options volatility.
Sustained 41.0% gross profitability converts into 29.6% operating margin and 2.5% ROIC, outpacing sector cost of capital.
ROIC: 2.5% // GM: 41.0%YoY revenue trajectory of +7.7% paired with 9.46% free cash flow yield supports self-funded R&D and capital return.
REV YOY: +7.7% // FCF YLD: 9.46%Altman Z-Score of 0.45 and Piotroski F-Score of 8/9 indicate low near-term refinancing stress.
ALTMAN Z: 0.45 // F-SCORE: 8/9Trading at 14.7x trailing P/E (13.7x Fwd P/E) leaves valuation vulnerable if real 10Y TIPS yields spike.
P/E: 14.7x // EV/EBITDA: 33.4xOptions market prices a ±7.0% implied move with a 0.79 put/call ratio around $133.00 max pain.
IMPL MOVE: ±7.0% // P/C: 0.79Elevated industry capital intensity and customer concentration in Major Banks require continuous execution to defend 24.3% net margins.
NET MARGIN: 24.3% // D/E: 3.57x| FILER | SIDE | $ VALUE |
|---|---|---|
| INSPECT FULL OWNERSHIP LEDGER IN OWN <GO> | ||
| STRIKE / EXP | TYPE | PREMIUM |
|---|---|---|
| INSPECT GEX & CHAIN IN OPT <GO> | ||
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