BBD vs. UMBF: Banco Bradesco vs. UMB Financial Stock Comparison

Company Profile

Banco Bradesco (BBD) and UMB Financial (UMBF) both belong to the Banks industry, though BBD is classified under Diversified Banks while UMBF falls under Regional Banks.

UMB Financial (UMBF) trades as ordinary local shares, while Banco Bradesco (BBD) trades as an ADR — compare with FX exposure, depositary-program fees, and dividend-withholding-tax differences in mind.

Price Performance

Cumulative Growth

Trailing Returns

Calendar-Year Returns

Performance Metrics

Risk Profile

Drawdown History

Return Distribution

Risk Metrics

Banco Bradesco (BBD) is heavily traded at around 43.85M 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

Banco Bradesco (BBD) at 14.20% sits in the top ROE quartile, while UMB Financial (UMBF) at 13.50% is closer to the peer norm — stronger capital efficiency for BBD.

UMB Financial (UMBF) at 35.61% retains a top-quartile share of revenue as profit, ahead of Banco Bradesco (BBD) at 27.27%, which keeps about the industry-typical share.

Neither side reports a meaningful operating margin: for Banco Bradesco (BBD) 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 Banco Bradesco (BBD) at 11.85%, which is closer to a typical peer reading.

Banco Bradesco (BBD) at 37.42% sits in the top EPS growth quartile, while UMB Financial (UMBF) at 3.34% is in the bottom quartile, showing a clear gap in earnings momentum.

Growth Metrics

Financial Strength

current ratio doesn’t apply on either side: Banco Bradesco (BBD) 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: Banco Bradesco (BBD) 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

UMB Financial (UMBF) at 1.33% pays an industry-typical yield; Banco Bradesco (BBD) at 53.03% is above its entire peer range — the higher number, but one that calls for a look at payout sustainability before treating it as an advantage.

UMB Financial (UMBF) at 13.54% retains more earnings than its industry usually does; Banco Bradesco (BBD) at 53.52% distributes an above-typical share — opposite departures from the band, with the risk sitting on BBD’s side.

Dividend Metrics

Valuation

Both screen inexpensive on earnings, but Banco Bradesco (BBD) at 5.64 is the deeper discount: its P/E ratio is below the industry range, while UMB Financial (UMBF) at 10.12 sits in the cheaper quartile.

P/S ratio is set aside for both Banco Bradesco (BBD) 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.

Banco Bradesco (BBD) at 0.69 sits in the lower P/B ratio quartile against book while UMB Financial (UMBF) at 1.34 is valued near its industry’s middle — BBD is cheaper on assets, though weigh it against ROE and asset quality.

Valuation Metrics