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.
Decision snapshot: UMBF stock price near parity vs WWW $143.76 current versus $169.18 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 WWW'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 discount
Value edge
Lower leverage
Statements
Core statements aligned to each company's latest fiscal year.
SEC periods: UMBF FY 2025 (ended Dec 31, 2025) · WWW FY 2026 (ended Jan 3, 2026). Fiscal years are not aligned.
Trendline
Six 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
Complete market value, debt and cash evidence is required for enterprise value.
Capital structure 73% equity / 27% debt
UMBF carries the larger enterprise value at $3.62B against $2.33B; UMBF trades on the lower EV / Revenue multiple (1.08x vs 1.24x); UMBF on the lower EV / EBITDA (1.49x vs 13.03x).
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.
WOLVERINE WORLD WIDE, INC. · implied price per share
Five annual free-cash-flow observations are required for 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
1.52x
Net debt / EBITDA
Leverage against operating earnings
-3.00x
—
Cash and equivalents
Liquid reserves on the balance sheet
$7.77B
—
Total debt
Interest-bearing obligations outstanding
$474.23M
$621.70M
Comparable set
Where the pair sits against the wider comparable set.
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