DDM Analysis: UMBF

Valuation Snapshot

Stable Growth	$432.07 - $1,813.76	$1,087.48
Multi-Stage	$213.14 - $233.29	$223.03
Blended Fair Value	$655.25
Current Price	$118.35
Upside	453.66%
Decision	Buy

Dividend History & Growth Metrics (10Y)

Metric	5Y CAGR	10Y CAGR	2024	2023	2022	2021	2020	2019	2018	2017	2016	2015
DPS	5.35%	6.43%	1.16	1.12	1.08	1.00	0.91	0.89	0.88	0.78	0.74	0.69
YoY Growth	-	-	3.88%	3.08%	7.91%	10.73%	1.42%	1.99%	12.34%	5.79%	6.68%	11.13%
Dividend Yield	-	-	1.15%	1.32%	1.87%	1.03%	0.98%	1.93%	1.34%	1.08%	0.98%	1.34%

Stable Growth Model (Adjusted)

(USD in Millions except Per Share Data)

Net Income To Common (M)	607.04
(-) Cash Dividends Paid (M)	114.53
(=) Cash Retained (M)	492.51

Metric	LOW	BASE	HIGH
Required Retention Ratio	20.0%	12.5%	7.5%
(=) Cash Required (M)	121.41	75.88	45.53
Cash Retained (M)	492.51	492.51	492.51
(-) Cash Required (M)	-121.41	-75.88	-45.53
(=) Excess Retained (M)	371.10	416.63	446.98
(/) Shares Outstanding (M)	66.56	66.56	66.56
(=) Excess Retained per Share	5.58	6.26	6.72
LTM Dividend per Share	1.72	1.72	1.72
(+) Excess Retained per Share	5.58	6.26	6.72
(=) Adjusted Dividend	7.30	7.98	8.44
WACC / Discount Rate	7.28%	7.28%	7.28%
Growth Rate	5.50%	6.50%	7.50%
Fair Value	$432.07	$1,087.48	$1,813.76
Upside / Downside	265.08%	818.87%	1,432.54%

Multi-Stage Model: Projections

(USD in Millions)

Metric	TTM	Dec-27	Dec-28	Dec-29	Dec-30	Dec-31	Terminal
Net Income (M)	607.04	646.50	688.52	733.27	780.94	831.70	856.65
Payout Ratio	18.87%	33.09%	47.32%	61.55%	75.77%	90.00%	92.50%
Projected Dividends (M)	114.53	213.95	325.81	451.31	591.74	748.53	792.40

Multi-Stage Valuation

Metric	LOW	BASE	HIGH
WACC / Discount Rate	7.28%	7.28%	7.28%
Growth Rate	5.50%	6.50%	7.50%
Year 1 PV (M)	197.56	199.43	201.30
Year 2 PV (M)	277.79	283.08	288.42
Year 3 PV (M)	355.31	365.51	375.90
Year 4 PV (M)	430.17	446.72	463.73
Year 5 PV (M)	502.46	526.72	551.92
PV of Terminal Value (M)	12,423.31	13,023.36	13,646.38
Equity Value (M)	14,186.60	14,844.82	15,527.66
Shares Outstanding (M)	66.56	66.56	66.56
Fair Value	$213.14	$223.03	$233.29
Upside / Downside	80.09%	88.45%	97.11%

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5819.KL	Hong Leong Bank Berhad	1.25%	$0.28	13.43%
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9717.T	JASTEC Co., Ltd.	1.25%	$24.25	22.00%
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UMB Financial Corporation (UMBF)

Valuation Snapshot

Dividend History & Growth Metrics (10Y)

Stable Growth Model (Adjusted)

Multi-Stage Model: Projections

Multi-Stage Valuation

High-Yield Dividend Screener