Umb Financial Corp
$3.62B- Market cap
- $10.92B
- Debt
- +$474.23M
- Cash
- −$7.77B
Capital structure 96% equity / 4% debt · EV / Revenue 1.08x · EV / EBITDA 1.49x
Compare price, profitability, solvency, and SEC-reported financials side by side—before deciding which assumptions deserve a closer look.
FY 2025 · Mkt cap
Decision snapshot: UMBF stock price at discount vs CVI $143.76 current versus $1.53K implied using P/E multiple.
Quick read
Each company valued on the other's multiple, then compared with the market price.
Implied fair value · at CVI's multiple
Implied fair value · at UMBF's multiple
Snapshot Sep 4, 4:00 PM ET
Metric by metric
Where each company leads, and how wide the gap is.
Growth edge
Pricing power
Operating leverage
Multiple premium
Value edge
Lower leverage
Statements
Core statements aligned to each company's latest fiscal year.
SEC periods: UMBF FY 2025 (ended Dec 31, 2025) · CVI FY 2025 (ended Dec 31, 2025).
Trendline
Five fiscal years of revenue, earnings, and margins before underwriting a re-rating.
Price framework
Market cap plus debt, less cash.
Capital structure 96% equity / 4% debt · EV / Revenue 1.08x · EV / EBITDA 1.49x
Capital structure 72% equity / 28% debt · EV / Revenue 0.80x · EV / EBITDA 35.93x
CVI carries the larger enterprise value at $5.71B against $3.62B; CVI trades on the lower EV / Revenue multiple (0.80x vs 1.08x); UMBF on the lower EV / EBITDA (1.49x vs 35.93x).
Price framework
The same filing-backed model used on each company's valuation page, with company-specific inputs and calculated scenarios.
UMB FINANCIAL CORP · implied price per share
Debt and bridge-cash inputs are required to translate enterprise value into equity value.
CVR ENERGY, INC · implied price per share
Latest annual free cash flow must be positive to qualify the filing-backed baseline.
Balance sheet health
Financial health checks to separate durable balance sheets from potential value traps.
Financial strength on a 0–9 scale.
Bankruptcy-risk signal from balance sheet and earnings power.
Not enough data to score either balance sheet.
Debt / equity
Total debt against shareholders' equity
0.06x
2.40x
Net debt / EBITDA
Leverage against operating earnings
-3.00x
7.80x
Cash and equivalents
Liquid reserves on the balance sheet
$7.77B
$511.00M
Total debt
Interest-bearing obligations outstanding
$474.23M
$1.75B
Comparable set
Where the pair sits against the wider comparable set.
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