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BIT/1UMBF (BIT/1UMBF)

Borsa Italiana: BIT/1UMBF · EUR

€117

+3.00 (+2.6%)· Recorded snapshot

Market cap	9.1B
Revenue (ttm)	2.6B
Net income (ttm)	888.7M
EPS (ttm)	€10.8
P/E (trailing)	10.9x
P/E (forward)	9.8x
Dividend	€1.54 (1.32%)

Market data

Price

Recent price action with selectable time range.

Financial snapshot

Revenue (ttm): 2.6B
Net income (ttm): 888.7M
EPS (ttm): €10.8
P/E (trailing): 10.9x
P/E (forward): 9.8x
Market cap: 9.1B

Metric	Value
Amount currency	EUR
Country	United States
Country code	IT
Earnings date	2026-10-27
Employees	5,222
Employees change	1,524
Employees growth	41.21%
Exchange	Borsa Italiana
Financial currency	USD
Financial report date	2026-09-30
First seen	2026-10-16
Fiscal year end	December
Founded	1913
Industry	Banks - Regional
Is primary listing	No
ISIN number	US9027881088
Last earnings date	2026-10-27
Last refreshed	2026-10-28
Market cap	EUR 9.1B
Next earnings date	2027-01-26
Price	EUR 117.00
Price currency	EUR
Sector	Financials
SIC code	6020
Stock price date	2026-10-02
Symbol	bit/1UMBF
Website	https://www.umb.com

Metric

Value

Amount currency

EUR

Country

United States

Country code

Earnings date

2026-10-27

Employees

5,222

Employees change

1,524

Employees growth

41.21%

Exchange

Borsa Italiana

Financial currency

USD

Financial report date

2026-09-30

First seen

2026-10-16

Fiscal year end

December

Founded

1913

Industry

Banks - Regional

Is primary listing

ISIN number

US9027881088

Last earnings date

2026-10-27

Last refreshed

2026-10-28

Market cap

EUR 9.1B

Next earnings date

2027-01-26

Price

EUR 117.00

Price currency

EUR

Sector

Financials

SIC code

6020

Stock price date

2026-10-02

Symbol

bit/1UMBF

Website

https://www.umb.com

Metric	Value
Average P/E ratio (10Y)	13.39x
Average P/E ratio (3Y)	12.66x
Average P/E ratio (5Y)	11.56x
Earnings yield	9.21%
FCF yield	10.26%
Forward P/E	9.78x
Graham number	150.84789
Graham upside	28.93%
Industry forward P/E	10.58x
Industry P/E	11.38x
Lynch fair value	EUR 211.57
Lynch upside	80.83%
P/B ratio	1.32x
P/E ratio	10.85x
P/FCF ratio	9.75x
P/OCF ratio	9.32x
P/S ratio	3.57x
Price / tangible book value	1.95x
Sector forward P/E	10.84x
Sector P/E	11.71x

Metric

Value

Average P/E ratio (10Y)

13.39x

Average P/E ratio (3Y)

12.66x

Average P/E ratio (5Y)

11.56x

Earnings yield

9.21%

FCF yield

10.26%

Forward P/E

9.78x

Graham number

150.84789

Graham upside

28.93%

Industry forward P/E

10.58x

Industry P/E

11.38x

Lynch fair value

EUR 211.57

Lynch upside

80.83%

P/B ratio

1.32x

P/E ratio

10.85x

P/FCF ratio

9.75x

P/OCF ratio

9.32x

P/S ratio

3.57x

Price / tangible book value

1.95x

Sector forward P/E

10.84x

Sector P/E

11.71x

Metric	Value
Effective tax rate	20.21%
FCF margin	36.98%
Operating margin	48.94%
Pretax margin	44.63%
Profit margin	35.61%
Profit per employee	EUR 170,184
Profitable quarters	25
Profitable years	35
Revenue per employee	EUR 488,941
ROA	1.43%
ROA (5Y)	0.98%
ROE	13.5%
ROE (5Y)	12.9%
Tax / revenue	9.02%

Metric

Value

Effective tax rate

20.21%

FCF margin

36.98%

Operating margin

48.94%

Pretax margin

44.63%

Profit margin

35.61%

Profit per employee

EUR 170,184

Profitable quarters

Profitable years

Revenue per employee

EUR 488,941

ROA

1.43%

ROA (5Y)

0.98%

ROE

13.5%

ROE (5Y)

12.9%

Tax / revenue

9.02%

Metric	Value
EPS growth	48.35%
EPS growth (Q)	50.85%
EPS growth (QoQ)	0%
EPS growth 10Y	16.14%
EPS growth 3Y	19.21%
EPS growth 5Y	8.26%
EPS growth quarters	5
EPS growth years	2
FCF growth	55.96%
FCF growth 3Y	30.6%
FCF growth 5Y	20.54%
Net income growth	70.08%
Net income growth (Q)	47.67%
Net income growth (QoQ)	0.19%
Net income growth 3Y	38.57%
Net income growth 5Y	18.56%
Net income growth quarters	5
Net income growth years	2
OCF growth	54.4%
OCF growth 10Y	19.16%
OCF growth 3Y	28%
OCF growth 5Y	19.37%
Revenue growth	30.63%
Revenue growth (Q)	12.62%
Revenue growth (QoQ)	-1.15%
Revenue growth 10Y	12.85%
Revenue growth 3Y	27.12%
Revenue growth 5Y	16.35%
Revenue growth quarters	12
Revenue growth years	2

Metric

Value

EPS growth

48.35%

EPS growth (Q)

50.85%

EPS growth (QoQ)

EPS growth 10Y

16.14%

EPS growth 3Y

19.21%

EPS growth 5Y

8.26%

EPS growth quarters

EPS growth years

FCF growth

55.96%

FCF growth 3Y

30.6%

FCF growth 5Y

20.54%

Net income growth

70.08%

Net income growth (Q)

47.67%

Net income growth (QoQ)

0.19%

Net income growth 3Y

38.57%

Net income growth 5Y

18.56%

Net income growth quarters

Net income growth years

OCF growth

54.4%

OCF growth 10Y

19.16%

OCF growth 3Y

28%

OCF growth 5Y

19.37%

Revenue growth

30.63%

Revenue growth (Q)

12.62%

Revenue growth (QoQ)

-1.15%

Revenue growth 10Y

12.85%

Revenue growth 3Y

27.12%

Revenue growth 5Y

16.35%

Revenue growth quarters

Revenue growth years

Metric	Value
Capital expenditures	EUR -43.3M
EPS	EUR 10.78
Financing cash flow	EUR -506.3M
Free cash flow	EUR 935.4M
Gross profit	EUR 2.6B
Income taxes	EUR 230.2M
Investing cash flow	EUR -5.3B
Net borrowing	EUR -34.1M
Net cash flow	EUR -4.8B
Net income	EUR 888.7M
Operating income	EUR 1.2B
Revenue	EUR 2.6B

Metric

Value

Capital expenditures

EUR -43.3M

EPS

EUR 10.78

Financing cash flow

EUR -506.3M

Free cash flow

EUR 935.4M

Gross profit

EUR 2.6B

Income taxes

EUR 230.2M

Investing cash flow

EUR -5.3B

Net borrowing

EUR -34.1M

Net cash flow

EUR -4.8B

Net income

EUR 888.7M

Operating income

EUR 1.2B

Revenue

EUR 2.6B

Metric	Value
Book value per share	EUR 87.64
Debt / equity	0.45
Debt / FCF	3.36
Goodwill	EUR 1.7B
Net cash (debt)	EUR 2.2B
Net cash / market cap	23.58%
Net debt / equity	-0.31
Net debt / FCF	-2.3
Piotroski F-Score	4
Property, plant and equipment	EUR 358.1M
Shareholders' equity	EUR 6.9B
Tangible book value	EUR 4.7B
Tangible book value per share	EUR 61.50
Total assets	EUR 64.1B
Total cash	EUR 5.3B
Total debt	EUR 3.1B
Total liabilities	EUR 57.1B

Metric

Value

Book value per share

EUR 87.64

Debt / equity

0.45

Debt / FCF

3.36

Goodwill

EUR 1.7B

Net cash (debt)

EUR 2.2B

Net cash / market cap

23.58%

Net debt / equity

-0.31

Net debt / FCF

-2.3

Piotroski F-Score

Property, plant and equipment

EUR 358.1M

Shareholders' equity

EUR 6.9B

Tangible book value

EUR 4.7B

Tangible book value per share

EUR 61.50

Total assets

EUR 64.1B

Total cash

EUR 5.3B

Total debt

EUR 3.1B

Total liabilities

EUR 57.1B

Metric	Value
Working capital	EUR -50.6B

Metric

Value

Working capital

EUR -50.6B

Metric	Value
Buyback yield / dilution	-14.38%
Dividend growth	0%
Dividend growth years	1
Dividend payment date	2026-10-01
Dividend payment years	3
Dividend payout frequency	Quarterly
Dividend per share	EUR 1.54
Dividend yield	1.32%
Ex-dividend date	2026-09-09
Last dividend	EUR 0.43
Payout ratio	16.04%
Shareholder yield	-13.06%

Metric

Value

Buyback yield / dilution

-14.38%

Dividend growth

Dividend growth years

Dividend payment date

2026-10-01

Dividend payment years

Dividend payout frequency

Quarterly

Dividend per share

EUR 1.54

Dividend yield

1.32%

Ex-dividend date

2026-09-09

Last dividend

EUR 0.43

Payout ratio

16.04%

Shareholder yield

-13.06%

Metric	Value
150-day SMA	EUR 114.91
1D price change	2.63%
1M price change	-3.31%
1M total return	-2.97%
1Y price change	17%
1Y return CAGR	18.71%
1Y total return	18.69%
20-day SMA	EUR 118.35
200-day SMA	EUR 112.47
3M price change	-7.87%
3M total return	-7.55%
50-day SMA	EUR 122.98
50-day SMA vs 200-day SMA	50over200
52-week high	EUR 131.00
52-week high date	2026-08-17
52-week low	EUR 90.50
52-week low date	2025-11-19
6M price change	18.78%
6M total return	19.59%
All-time high	EUR 131.00
All-time high date	2026-08-14
All-time low	EUR 74.50
All-time low date	2025-06-12
Average true range (ATR)	EUR 1.28
Average volume	0
Change from 52-week high	-10.69%
Change from 52-week low	29.28%
Change from all-time high	-10.69%
Change from all-time low	57.05%
Change from open	0%
Day's gap	2.63%
High price	EUR 117.00
Low price	EUR 117.00
Monthly RSI	67.36
Open price	EUR 117.00
Previous close	EUR 114.00
Price vs 150-day SMA	1.82%
Price vs 20-day SMA	-1.14%
Price vs 200-day SMA	4.03%
Price vs 50-day SMA	-4.86%
RSI	43.19
Sharpe ratio	0.5
Sortino ratio	0.91
Weekly RSI	49.76
YTD price change	17.59%
YTD total return	18.85%

Metric

Value

150-day SMA

EUR 114.91

1D price change

2.63%

1M price change

-3.31%

1M total return

-2.97%

1Y price change

17%

1Y return CAGR

18.71%

1Y total return

18.69%

20-day SMA

EUR 118.35

200-day SMA

EUR 112.47

3M price change

-7.87%

3M total return

-7.55%

50-day SMA

EUR 122.98

50-day SMA vs 200-day SMA

50over200

52-week high

EUR 131.00

52-week high date

2026-08-17

52-week low

EUR 90.50

52-week low date

2025-11-19

6M price change

18.78%

6M total return

19.59%

All-time high

EUR 131.00

All-time high date

2026-08-14

All-time low

EUR 74.50

All-time low date

2025-06-12

Average true range (ATR)

EUR 1.28

Average volume

Change from 52-week high

-10.69%

Change from 52-week low

29.28%

Change from all-time high

-10.69%

Change from all-time low

57.05%

Change from open

Day's gap

2.63%

High price

EUR 117.00

Low price

EUR 117.00

Monthly RSI

67.36

Open price

EUR 117.00

Previous close

EUR 114.00

Price vs 150-day SMA

1.82%

Price vs 20-day SMA

-1.14%

Price vs 200-day SMA

4.03%

Price vs 50-day SMA

-4.86%

RSI

43.19

Sharpe ratio

0.5

Sortino ratio

0.91

Weekly RSI

49.76

YTD price change

17.59%

YTD total return

18.85%

Metric	Value
Float	72.9M
Shares change (QoQ)	0.15%
Shares change (YoY)	14.38%
Shares held by insiders	2.94%
Shares held by institutions	92.49%

Metric

Value

Float

72.9M

Shares change (QoQ)

0.15%

Shares change (YoY)

14.38%

Shares held by insiders

2.94%

Shares held by institutions

92.49%

BIT/1UMBF (BIT/1UMBF)

Price

Financial snapshot

Fair-value bridge

Latest news · BIT/1UMBF

Valuation

Profitability

Balance sheet

Trading

Next earnings

Sector percentile context

All BIT/1UMBF indicators

Profile and market data

Valuation

Profitability

Growth

Financial statements

Financial strength

Liquidity

Dividends and buybacks

Performance and technicals

Ownership and float

Deeper analysis on BIT/1UMBF

Frequently asked questions