BNS vs. UMBF: Bank of Nova Scotia vs. UMB Financial Stock Comparison

Company Profile

Bank of Nova Scotia (BNS) and UMB Financial (UMBF) both belong to the Banks industry, though BNS 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 Nova Scotia (BNS) at 11.46% 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 Nova Scotia (BNS) at 28.43%, which keeps about the industry-typical share.

Neither side reports a meaningful operating margin: for Bank of Nova Scotia (BNS) 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 Nova Scotia (BNS) at 10.36%, which is closer to a typical peer reading.

Both Bank of Nova Scotia (BNS) at -3.41% and UMB Financial (UMBF) at 3.34% post bottom-quartile EPS growth versus peers, pointing to weaker earnings momentum than typical rivals.

Growth Metrics

Financial Strength

current ratio doesn’t apply on either side: Bank of Nova Scotia (BNS) 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 Nova Scotia (BNS) 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 Nova Scotia (BNS) at 4.84% delivers top-quartile income for its industry, while UMB Financial (UMBF) at 1.33% pays a more typical yield — both are credible income propositions, BNS the richer one.

UMB Financial (UMBF) at 13.54% retains more earnings than its industry usually does; Bank of Nova Scotia (BNS) at 58.04% distributes an above-typical share — opposite departures from the band, with the risk sitting on BNS’s side.

Dividend Metrics

Valuation

UMB Financial (UMBF) at 10.12 sits in the cheaper P/E ratio quartile, while Bank of Nova Scotia (BNS) at 16.61 sits in the richer quartile — a clear split in what investors pay for each dollar of trailing earnings.

P/S ratio is set aside for both Bank of Nova Scotia (BNS) 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 Nova Scotia (BNS) at 1.76 carries an above-peer premium to book — BNS is pricier on assets.

Valuation Metrics