BBVA vs. UMBF: Banco Bilbao Vizcaya Argentaria vs. UMB Financial Stock Comparison

Company Profile

Banco Bilbao Vizcaya Argentaria (BBVA) and UMB Financial (UMBF) both belong to the Banks industry, though BBVA is classified under Diversified Banks while UMBF falls under Regional Banks.

UMB Financial (UMBF) trades as ordinary local shares, while Banco Bilbao Vizcaya Argentaria (BBVA) 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

Risk-Adjusted Performance

Risk-Return Positioning

Risk-Adjusted Metrics

Profitability

Banco Bilbao Vizcaya Argentaria (BBVA) at 19.84% sits in the top ROE quartile, while UMB Financial (UMBF) at 13.50% is closer to the peer norm — stronger capital efficiency for BBVA.

UMB Financial (UMBF) at 35.61% retains a top-quartile share of revenue as profit, ahead of Banco Bilbao Vizcaya Argentaria (BBVA) at 32.62%, which keeps about the industry-typical share.

Neither side reports a meaningful operating margin: for Banco Bilbao Vizcaya Argentaria (BBVA) 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% delivers above-range revenue growth, while Banco Bilbao Vizcaya Argentaria (BBVA) at 0.46% falls into the bottom quartile — a wide split in revenue momentum.

Banco Bilbao Vizcaya Argentaria (BBVA) at 4.76% 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: Banco Bilbao Vizcaya Argentaria (BBVA) 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 Bilbao Vizcaya Argentaria (BBVA) 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

Banco Bilbao Vizcaya Argentaria (BBVA) at 3.80% delivers top-quartile income for its industry, while UMB Financial (UMBF) at 1.33% pays a more typical yield — both are credible income propositions, BBVA the richer one.

UMB Financial (UMBF) at 13.54% retains more earnings than its industry usually does; Banco Bilbao Vizcaya Argentaria (BBVA) at 47.61% distributes an above-typical share — opposite departures from the band, with the risk sitting on BBVA’s side.

Dividend Metrics

Valuation

UMB Financial (UMBF) at 10.12 sits in the cheaper P/E ratio quartile, while Banco Bilbao Vizcaya Argentaria (BBVA) at 10.99 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 Banco Bilbao Vizcaya Argentaria (BBVA) 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.

UMB Financial (UMBF) at 1.34 is valued about in line with its industry on P/B ratio, while Banco Bilbao Vizcaya Argentaria (BBVA) at 2.12 carries an above-peer premium to book — BBVA is pricier on assets.

Valuation Metrics