Sector pending / Commercial BanksUpdated 2026-05-10 22:07 UTC

FRA/UMB stock hub

FRA/UMB has a live ticker hub with the latest available market, valuation, profitability, growth, ownership, and risk indicators.

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Fair value midpoint

n/a

Fair value pending

Upside to midpoint

n/a

Based on latest report

Confidence

n/a

Data quality and model convergence

Market cap

8.5B

Frankfurt Stock Exchange

Market data

Live price

Current market quote for this ticker.

Current price

FRA/UMB

In the news

Latest news · FRA/UMB

Recent company headlines from major financial publishers.

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Fetching the latest headlines.

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Calendar

Next earnings

Upcoming earnings date and setup when available.

Upcoming

DateLoading

Window—

EPS estimate—

Revenue estimate—

Sector context

Where the current metrics sit

Percentiles come from the backend screener cohort cache for the ticker's country and sector.

Forward P/E10.2

P25 n/aP50 n/aP75 n/a

Trailing P/E11.4

P25 n/aP50 n/aP75 n/a

ROE12.1

P25 n/aP50 n/aP75 n/a

ROICn/a

P25 n/aP50 n/aP75 n/a

Benchmarks - 1M

S&P 500n/a

Nasdaq Compositen/a

Dow Jones Industrial Averagen/a

Russell 2000n/a

Indicator catalog

All FRA/UMB market and fundamental indicators

A searchable catalog of the available market, valuation, profitability, growth, balance-sheet, ownership, and analyst metrics for this ticker.

Available fields

185

Groups with data

Currency

USD

Showing 185 of 185 available metrics for this ticker.

Profile and market data

Ticker identity, listing, currency, market cap, and source dates.

Metric	Value
Country	United States
Country code	DE
Employees	5,222
Employees Change	99%
Employees Change Percent	2.75
Exchange	Frankfurt Stock Exchange
Financial currency	USD
First seen	2026-05-10
Industry	Commercial Banks
Last refreshed	2026-05-10
Market cap	EUR 8.5B
Price	EUR 111
Price currency	EUR
Rev Per Employee	453,759.17x
Sic	6020
Symbol	fra/UMB
Website	https://www.umb.com

Valuation

Multiples, yields, enterprise-value ratios, and valuation checks.

Metric	Value
Earnings Yield	8.81%
FCF yield	10.03%
Forward P/E	10.22x
P/B ratio	1.25x
P/E ratio	11.36x
P/S ratio	3.58x
PE Ratio10 Y	13.88x
PE Ratio3 Y	12.19x
PE Ratio5 Y	11.57x

Profitability

Margins, returns on capital, cash conversion, and quality metrics.

Metric	Value
FCF margin	35.89%
Gross Profit	EUR 2.4B
Net Income	EUR 746.7M
Net Income Growth	114.04%
Net Income Growth Q	221.44%
Net Income Growth3 Y	27.22%
Net Income Growth5 Y	17.61%
Pretax Margin	40.74%
Profit Margin	32.3%
Profit Per Employee	EUR 142,987
ROA	1.24
Roa5y	0.98
ROE	12.11
Roe5y	12.9

Growth

Revenue, earnings, cash-flow, and forward growth indicators.

Metric	Value
Cagr10y	10.8%
Cagr1y	25.88%
Cagr3y	31.03%
Cagr5y	8.74%
Div CAGR10	5.1%
Div CAGR3	-0.09%
Div CAGR5	5.97%
EPS Growth	46.18
EPS Growth Q	176.9
EPS Growth3 Y	9.48
EPS Growth5 Y	7.3
FCF Growth	93.92%
FCF Growth Q	0.72%
FCF Growth3 Y	23.34%
FCF Growth5 Y	17.83%
OCF Growth	92.6%
OCF Growth Q	-0.48%
OCF Growth10 Y	16.78%
OCF Growth3 Y	21.23%
OCF Growth5 Y	16.37%
Revenue Growth	64.87x
Revenue Growth Q	49.04x
Revenue Growth3 Y	23.85x
Revenue Growth5 Y	16.25x

Financial strength

Debt, cash, solvency, accounting-quality, and balance-sheet signals.

Metric	Value
Assets	EUR 63B
Cash	EUR 2.3B
Debt	EUR 3.6B
Debt FCF	EUR 4.26
Equity	EUR 6.8B
Liabilities	EUR 56.2B
Net Cash	EUR -1.3B
Net Cash By Market Cap	EUR -15.27
Net Debt Equity	EUR 0.19
Net Debt FCF	EUR 1.52
Tangible Book Value	EUR 4.5B
Tangible Book Value Per Share	EUR 59.72

Liquidity

Current-asset coverage and working-capital efficiency metrics.

Metric	Value
Working Capital	EUR -48B

Dividends and buybacks

Dividend yield, payout, buybacks, and shareholder-yield indicators.

Metric	Value
Buyback Yield	-43.6%
Dividend Growth	-1.96%
Dividend Growth Years	0%
Dividend per share	EUR 1.43
Dividend Years	17
Dividend Yield	1.29%
Ex Div Date	2026-03-10
Last Dividend	EUR 0.37
Payout Frequency	Quarterly
Payout Ratio	16.44%

Performance and technicals

Returns, volatility, beta, momentum, RSI, and moving-average context.

Metric	Value
10Y total return	178.71%
1Y total return	25.86%
200-day SMA	100.3
3Y total return	124.98%
50-day SMA	101
50-day SMA vs 200-day SMA	50over200
5Y total return	52%
All Time High	122
All Time High Change	-9.02%
All Time High Date	2024-11-25
All Time Low	36.03
All Time Low Change	208.06%
All Time Low Date	2016-01-15
ATR	2.01
Ch YTD	12.69
High	111
High52	114
High52 Date	2026-05-07
High52ch	-2.63%
Low	110
Low52	85
Low52 Date	2025-06-19
Low52ch	30.59%
Ma50ch	9.86%
Price vs 200-day SMA	10.66%
RSI	68.28
RSI Monthly	60.26
RSI Weekly	62.37
Sharpe ratio	0.73x
Sortino ratio	1.23
Total Return	-42.31%
Tr YTD	13.13
Tr1m	11%
Tr1w	0.91%
Tr3m	-1.39%

Analyst estimates

Ratings, targets, revisions, and forward estimate fields.

Metric	Value
Operating Income	EUR 1.1B
Operating margin	45.44

Ownership and float

Institutional, insider, float, short-interest, and share-count fields.

Metric	Value
Float	72,268,717%
Net Borrowing	679,904,411.2
Shares Insiders	3.87%
Shares Institutions	88.95%
Shares Qo Q	-0.02%
Shares Yo Y	43.6%
Short Ratio	4.77

Other indicators

Additional ticker metrics that do not fit the primary research groupings yet.

Metric	Value
Adjusted FCF	EUR 817.3M
Average Volume	0x
Bv Per Share	85.99
CAPEX	EUR -38.4M
Ch10y	135.1
Ch1m	11
Ch1w	0.91
Ch1y	24.02
Ch3m	-1.77
Ch3y	113.5
Ch5y	39.62
Ch6m	18.09
Change	0%
Change From Open	0
Close	111
Days Gap	0
Earnings Date	2026-04-28
EPS	EUR 9.78
F Score	4
FCF	EUR 850.5M
Financing CF	1,959,516,909
Fiscal Year End	December
Founded	1,913
Goodwill	1,558,209,883.4
Graham Number	139.79557
Graham Upside	25.94
Income Tax	EUR 200.1M
Investing CF	-6,620,101,767
Is Primary Listing	0
Last Earnings Date	2026-04-28
Last Report Date	2026-03-31
Lynch Fair Value	EUR 172
Lynch Upside	55.08
Ma150	100.5
Ma150ch	10.48%
Ma20	105.8
Ma20ch	4.91%
Net CF	-3,771,650,060
Next Earnings Date	2026-07-28
Open	111
P FCF Ratio	9.97
P OCF Ratio	9.54
Payment Date	2026-04-01
Position In Range	100
Ppne	331,570,101.2
Price Date	2026-05-08
Ptbv Ratio	1.87
Relative Volume	1,750x
Revenue	2,369,530,382x
SBC By Revenue	1.4x
Share Based Comp	33,250,547
Tax By Revenue	8.44x
Tax Rate	20.72%
Tr6m	18.99%

Fast facts

Decision checkpoints

A compact product layer over the same report payload.

Risk gate

n/a

Named kill scenarios are reviewed before any bullish rating can stand.

Moat score

n/a

Business quality stays separate from stock attractiveness.

Forward P/E

n/a

Valuation uses the full report model stack, not a single multiple.

Next action

Research pending

Final action steps are kept in the recommendation tab.

Income

FRA/UMB dividend yield, growth & safety

Yield, payout sustainability, and the multi-year growth streak.

Dividend yield

+1.3%

$1.43 annual per share

Payout ratio

+16.4%

Share of earnings returned as dividends. Below 60% is generally sustainable.

5Y dividend CAGR

+6.0%

0 consecutive years of growth

Total shareholder yield

-42.3%

Next ex-dividend date: 2026-03-10

Performance

FRA/UMB stock returns vs the market

Total return (incl. dividends) compared to S&P 500.

Ownership

Who owns FRA/UMB?

Insider, institutional, and short-interest positioning.

Institutional ownership

+89.0%

Share of float held by funds and institutions

Insider ownership

+3.9%

Stake held by company insiders. Higher generally signals alignment.

Negative means the company is buying back shares.

Technical

FRA/UMB momentum and risk profile

RSI, moving-average stack, beta, and risk-adjusted return.

RSI (14)

68.3

Neutral momentum band

Price vs 200-day MA

+10.7%

50/200-day relationship not available

Beta (5Y)

n/a

Sensitivity to the broader market

Sharpe ratio

0.73

Risk-adjusted return — higher is better; >1.0 is solid.

Questions

About FRA/UMB

Hub-level FAQ points readers to the deeper analysis pages.

What is the current fra/UMB stock rating?

fra/UMB is currently shown with the latest rating in the latest report. The hub links directly to the full analysis surface where the rating, fair-value bridge, risks, and scorecard are documented together.

Where can I read the full fra/UMB analysis?

The full report lives at /stocks/fra/UMB/analysis. The bare ticker page is a product hub that summarizes the latest read and sends readers into the relocated analysis tabs without making the analysis surface depend on the hub.

What fair-value range is used for fra/UMB?

The latest report frames fra/UMB around the latest fair-value range. Treat that range as the entry point, then check the valuation, sensitivity, and bear-case tabs before making an investment decision.

How often is the fra/UMB page updated?

The hub updates with the latest published stock report and live backend market data. The analysis pages remain reachable under /analysis, so a hub rollback does not remove the report reader.