BMO vs. UMBF: Bank of Montreal vs. UMB Financial Stock Comparison

Company Profile

Bank of Montreal (BMO) and UMB Financial (UMBF) both belong to the Banks industry, though BMO 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

Risk-Adjusted Performance

Risk-Return Positioning

Risk-Adjusted Metrics

Profitability

Both Bank of Montreal (BMO) at 10.57% 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% keeps a top-quartile share of each sales dollar as profit, while Bank of Montreal (BMO) at 25.66% keeps a bottom-quartile share.

Neither side reports a meaningful operating margin: for Bank of Montreal (BMO) 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 Montreal (BMO) at 12.67%, which is closer to a typical peer reading.

Bank of Montreal (BMO) at 20.29% 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 Montreal (BMO) 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 Montreal (BMO) 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

Bank of Montreal (BMO) at 3.87% delivers top-quartile income for its industry, while UMB Financial (UMBF) at 1.33% pays a more typical yield — both are credible income propositions, BMO the richer one.

UMB Financial (UMBF) at 13.54% retains more earnings than its industry usually does; Bank of Montreal (BMO) at 54.44% distributes an above-typical share — opposite departures from the band, with the risk sitting on BMO’s side.

Dividend Metrics

Valuation

UMB Financial (UMBF) at 10.12 sits in the cheaper P/E ratio quartile, while Bank of Montreal (BMO) at 19.34 trades above its peer range — a wide earnings-valuation gap relative to industry peers.

P/S ratio is set aside for both Bank of Montreal (BMO) 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 Bank of Montreal (BMO) at 1.97 carries an above-peer premium to book — BMO is pricier on assets.

Valuation Metrics