BAC vs. UMBF: Bank of America vs. UMB Financial Stock Comparison

Company Profile

Bank of America (BAC) and UMB Financial (UMBF) both belong to the Banks industry, though BAC is classified under Diversified Banks while UMBF falls under Regional Banks.

Price Performance

Cumulative Growth

Trailing Returns

Calendar-Year Returns

Performance Metrics

Risk Profile

Drawdown History

Return Distribution

Risk Metrics

Bank of America (BAC) is heavily traded at around 37.08M shares per day, whereas UMB Financial (UMBF) sees a more moderate 608.54K — larger orders in the latter may require more patience and tighter control over order sizing.

Risk-Adjusted Performance

Risk-Return Positioning

Risk-Adjusted Metrics

Profitability

Both Bank of America (BAC) at 10.73% and UMB Financial (UMBF) at 13.50% land near their industries’ usual ROE ranges, so capital efficiency looks broadly in line with peers on both sides.

UMB Financial (UMBF) at 35.61% retains a top-quartile share of revenue as profit, ahead of Bank of America (BAC) at 28.06%, which keeps about the industry-typical share.

Neither side reports a meaningful operating margin: for Bank of America (BAC) in Banks and UMB Financial (UMBF) in Banks, funding costs are part of the core business, so net margin and ROE are the cleaner profitability reads.

Profitability Metrics

Growth

UMB Financial (UMBF) at 65.66% clears its industry range for revenue growth, far stronger top-line momentum than Bank of America (BAC) at 6.84%, which is closer to a typical peer reading.

Bank of America (BAC) at 18.69% is around its peer norm for EPS growth, while UMB Financial (UMBF) at 3.34% drops into the bottom quartile, signaling weaker earnings momentum.

Growth Metrics

Financial Strength

current ratio doesn’t apply on either side: Bank of America (BAC) in Banks and UMB Financial (UMBF) in Banks both report balance sheets without a current/non-current split, so their short-term liquidity is better judged through regulatory and funding measures.

debt-to-equity ratio is set aside for both: Bank of America (BAC) in Banks and UMB Financial (UMBF) in Banks run businesses where balance-sheet leverage is part of the model, so capital-adequacy and funding measures are the better gauges of balance-sheet risk.

Financial Strength Metrics

Dividends

Both Bank of America (BAC) at 2.33% and UMB Financial (UMBF) at 1.33% pay solid, industry-typical yields, sitting squarely within their peers’ usual range.

Bank of America (BAC) at 27.62% keeps its payout within the industry’s typical band; UMB Financial (UMBF) at 13.54% pays out less than peers usually do, retaining more of its earnings — a policy difference more than a quality gap.

Dividend Metrics

Valuation

UMB Financial (UMBF) at 10.12 sits in the cheaper P/E ratio quartile, while Bank of America (BAC) at 11.79 is closer to its industry’s usual earnings multiple — a discount for UMBF, though growth and earnings durability still matter.

P/S ratio is set aside for both Bank of America (BAC) in Banks and UMB Financial (UMBF) in Banks: without a conventional revenue line, pricing per dollar of sales isn’t meaningful, and book- or earnings-based multiples make the better comparison.

On P/B ratio, both Bank of America (BAC) at 1.26 and UMB Financial (UMBF) at 1.34 are valued close to their industries’ norm against book — neither stands out from peers.

Valuation Metrics