Companies with more cash than debt often have stronger financial flexibility, making them attractive in uncertain markets. Without interest payments being less of a worry, these businesses can invest more in growth, innovation, or buybacks and dividends.
Finding the best investments isn’t always easy, and that’s why we started StockStory. That said, here are three companies with net cash positions that balance growth with stability.
UMB Financial (UMBF)
Net Cash Position: $5.43 billion (59.2% of Market Cap)
With roots dating back to 1913 and a name derived from "United Missouri Bank," UMB Financial (NASDAQ: UMBF) is a financial holding company that provides banking, asset management, and fund services to commercial, institutional, and individual customers.
Why Do We Like UMBF?
- Annual net interest income growth of 24.7% over the last five years was superb and indicates its market share increased during this cycle
- Net interest margin expanded by 55.4 basis points (100 basis points = 1 percentage point) over the last two years, providing additional flexibility for investments
- Operating profits are forecasted to increase over the next year as it scales and becomes more productive
UMB Financial is trading at $120.54 per share, or 1.1x forward P/B. Is now the right time to buy? Find out in our full research report, it’s free.
Popular (BPOP)
Net Cash Position: $3.44 billion (36.7% of Market Cap)
Founded in 1893 as the first bank in Puerto Rico to serve the working class, Popular (NASDAQ: BPOP) is a financial holding company that provides retail, mortgage, and commercial banking services primarily in Puerto Rico and the mainland United States.
Why Will BPOP Outperform?
- Net interest margin grew by 44.3 basis points (100 basis points = 1 percentage point) over the last two years, giving the firm more chips to play with
- Share repurchases over the last two years enabled its annual earnings per share growth of 22.1% to outpace its revenue gains
- Annual tangible book value per share growth of 16.9% over the last two years was superb and indicates its capital strength increased during this cycle
Popular’s stock price of $144.33 implies a valuation ratio of 1.4x forward P/B. Is now the time to initiate a position? See for yourself in our in-depth research report, it’s free.
Amalgamated Financial (AMAL)
Net Cash Position: $209.4 million (16.7% of Market Cap)
Founded in 1923 by labor unions seeking a financial institution aligned with worker values, Amalgamated Financial (NASDAQGM:AMAL) operates a values-oriented bank that provides commercial banking, trust services, and investment management to socially responsible organizations and individuals.
Why Does AMAL Stand Out?
- Net interest margin expanded by 18.7 basis points (100 basis points = 1 percentage point) over the last two years, providing additional flexibility for investments
- Share buybacks catapulted its annual earnings per share growth to 17.9%, which outperformed its revenue gains over the last five years
- Annual tangible book value per share growth of 9.5% over the past five years was outstanding, reflecting strong capital accumulation this cycle
At $41.97 per share, Amalgamated Financial trades at 1.4x forward P/B. Is now a good time to buy? Find out in our full research report, it’s free.
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