BSBR vs. UMBF: Banco Santander (Brasil) vs. UMB Financial Stock Comparison

Company Profile

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

UMB Financial (UMBF) trades as ordinary local shares, while Banco Santander (Brasil) (BSBR) 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

Both Banco Santander (Brasil) (BSBR) at 10.20% 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 Banco Santander (Brasil) (BSBR) at 27.53%, which keeps about the industry-typical share.

Neither side reports a meaningful operating margin: for Banco Santander (Brasil) (BSBR) 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 Santander (Brasil) (BSBR) at -3.79% falls into the bottom quartile — a wide split in revenue momentum.

Both Banco Santander (Brasil) (BSBR) at -4.61% 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: Banco Santander (Brasil) (BSBR) 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 Santander (Brasil) (BSBR) 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 Santander (Brasil) (BSBR) at 5.60% delivers top-quartile income for its industry, while UMB Financial (UMBF) at 1.33% pays a more typical yield — both are credible income propositions, BSBR the richer one.

Banco Santander (Brasil) (BSBR) reports payout ratio above 100% at 143.10%, meaning dividends exceeded current-period earnings and sustainability needs extra context. Meanwhile UMB Financial (UMBF) reports 13.54%, ranking against industry peers normally.

Dividend Metrics

Valuation

UMB Financial (UMBF) at 10.12 sits in the cheaper P/E ratio quartile, while Banco Santander (Brasil) (BSBR) at 14.97 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 Banco Santander (Brasil) (BSBR) 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 Santander (Brasil) (BSBR) at 0.34 trades below its peer P/B ratio range relative to book, while UMB Financial (UMBF) at 1.34 sits near its industry’s middle — BSBR is the cheaper of the two against assets.

Valuation Metrics