CFG vs. UMBF: Citizens Financial vs. UMB Financial Stock Comparison
How do Citizens Financial (CFG) and UMB Financial (UMBF) stack up? This page sets them side by side across company profile, performance and risk, profitability, growth, financial strength, dividends, and valuation, with selected fundamentals also measured against each stock's industry-group peers.
Company Profile
Citizens Financial (CFG) and UMB Financial (UMBF) are both classified in the Regional Banks sub-industry within the broader Banks industry, placing them in the closest GICS peer bucket.
| Profile Item | CFG | UMBF |
|---|---|---|
| Name | Citizens Financial Group Inc. | UMB Financial Corporation |
| Country/Region | United States | United States |
| GICS Sector | Financials | Financials |
| GICS Industry Group | Banks | Banks |
| GICS Industry | Banks | Banks |
| GICS Sub-Industry | Regional Banks | Regional Banks |
| Market Capitalization | 26.51 billion USD | 10.16 billion USD |
| Currency | USD | USD |
| Exchange | NYSE | Nasdaq |
| Listing Date | September 24, 2014 | March 17, 1980 |
| Security Type | Common Stock | Common Stock |
Price Performance
Cumulative Growth
Trailing Returns
Calendar-Year Returns
Performance Metrics
| Metric | CFG | UMBF |
|---|---|---|
| Total Return (1Y) | 30.28% | 28.13% |
| Total Return (3Y, Annualized) | 42.95% | 29.84% |
| Total Return (5Y, Annualized) | 10.93% | 7.39% |
Risk Profile
Drawdown History
Return Distribution
Risk Metrics
| Metric | CFG | UMBF |
|---|---|---|
| Volatility (1Y, Annualized) | 25.87% | 24.80% |
| Beta (5Y) | 1.07 | 0.83 |
| Max Drawdown (5Y) | -56.19% | -50.25% |
| Avg. Volume (3M) | 3.99M | 608.54K |
Risk-Adjusted Performance
Risk-Return Positioning
Risk-Adjusted Metrics
| Metric | CFG | UMBF |
|---|---|---|
| Sharpe Ratio (1Y) | 1.00 | 0.96 |
| Sortino Ratio (1Y) | 1.50 | 1.45 |
Profitability
ROE (TTM)
UMB Financial (UMBF) at 13.50% is around its peer norm for ROE, while Citizens Financial (CFG) at 8.90% drops into the bottom quartile, signaling weaker returns on shareholders’ equity.
CFG
Banks industry group
8.90%
- Max
- 19.84%
- Q3
- 13.67%
- Median
- 11.49%
- Q1
- 9.50%
- CFG
- 8.90%
- Min
- 3.64%
UMBF
Banks industry group
13.50%
- Max
- 19.84%
- Q3
- 13.67%
- UMBF
- 13.50%
- Median
- 11.49%
- Q1
- 9.50%
- Min
- 3.64%
Net Margin (TTM)
UMB Financial (UMBF) at 35.61% keeps a top-quartile share of each sales dollar as profit, while Citizens Financial (CFG) at 27.02% keeps a bottom-quartile share.
CFG
Banks industry group
27.02%
- Max
- 47.19%
- Q3
- 35.25%
- Median
- 31.21%
- Q1
- 27.11%
- CFG
- 27.02%
- Min
- 14.93%
UMBF
Banks industry group
35.61%
- Max
- 47.19%
- UMBF
- 35.61%
- Q3
- 35.25%
- Median
- 31.21%
- Q1
- 27.11%
- Min
- 14.93%
Operating Margin (TTM)
Neither side reports a meaningful operating margin: for Citizens Financial (CFG) 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
| Metric | CFG | UMBF |
|---|---|---|
| ROE (TTM) | 8.90% | 13.50% |
| ROA (TTM) | 0.99% | 1.43% |
| Net Margin (TTM) | 27.02% | 35.61% |
| Operating Margin (TTM) | -- | -- |
| Gross Margin (TTM) | -- | -- |
Growth
Revenue Growth
UMB Financial (UMBF) at 65.66% delivers above-range revenue growth, while Citizens Financial (CFG) at 5.61% falls into the bottom quartile — a wide split in revenue momentum.
EPS Growth
Citizens Financial (CFG) at 27.39% 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
| Metric | CFG | UMBF |
|---|---|---|
| Revenue Growth (YoY) | 5.61% | 65.66% |
| Revenue Growth (3Y CAGR) | 0.93% | 21.36% |
| EPS Growth (YoY) | 27.39% | 3.34% |
| EPS Growth (3Y CAGR) | -1.99% | 1.59% |
Financial Strength
Current Ratio (MRQ)
current ratio doesn’t apply on either side: Citizens Financial (CFG) 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 / Equity (MRQ)
debt-to-equity ratio is set aside for both: Citizens Financial (CFG) 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
| Metric | CFG | UMBF |
|---|---|---|
| Current Ratio (MRQ) | -- | -- |
| Debt / Equity (MRQ) | -- | -- |
| Net Debt / EBITDA | -- | -- |
Dividends
Dividend Yield (TTM)
Both Citizens Financial (CFG) at 2.88% and UMB Financial (UMBF) at 1.33% pay solid, industry-typical yields, sitting squarely within their peers’ usual range.
CFG
Banks industry group
2.88%
- Max
- 5.79%
- Q3
- 3.18%
- CFG
- 2.88%
- Median
- 2.39%
- Q1
- 1.20%
- Min
- 0.00%
UMBF
Banks industry group
1.33%
- Max
- 5.79%
- Q3
- 3.18%
- Median
- 2.39%
- UMBF
- 1.33%
- Q1
- 1.20%
- Min
- 0.00%
Dividend Payout Ratio (TTM)
Citizens Financial (CFG) at 37.17% keeps its payout within the industry’s typical band; UMB Financial (UMBF) at 13.54% pays out less than peers usually do, retaining more of its earnings — a policy difference more than a quality gap.
CFG
Banks industry group
37.17%
- Max
- 70.75%
- Q3
- 41.28%
- CFG
- 37.17%
- Median
- 29.26%
- Q1
- 18.98%
- Min
- 0.00%
UMBF
Banks industry group
13.54%
- Max
- 70.75%
- Q3
- 41.28%
- Median
- 29.26%
- Q1
- 18.98%
- UMBF
- 13.54%
- Min
- 0.00%
Dividend Metrics
| Metric | CFG | UMBF |
|---|---|---|
| Dividend Yield (TTM) | 2.88% | 1.33% |
| Dividend Payout Ratio (TTM) | 37.17% | 13.54% |
Valuation
P/E Ratio (TTM)
UMB Financial (UMBF) at 10.12 sits in the cheaper P/E ratio quartile, while Citizens Financial (CFG) at 12.78 is closer to its industry’s usual earnings multiple — a discount for UMBF, though growth and earnings durability still matter.
CFG
Banks industry group
12.78
- Max
- 18.16
- Q3
- 13.75
- CFG
- 12.78
- Median
- 11.81
- Q1
- 10.64
- Min
- 6.49
UMBF
Banks industry group
10.12
- Max
- 18.16
- Q3
- 13.75
- Median
- 11.81
- Q1
- 10.64
- UMBF
- 10.12
- Min
- 6.49
P/S Ratio (TTM)
P/S ratio is set aside for both Citizens Financial (CFG) 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.
P/B Ratio (MRQ)
On P/B ratio, both Citizens Financial (CFG) at 1.16 and UMB Financial (UMBF) at 1.34 are valued close to their industries’ norm against book — neither stands out from peers.
CFG
Banks industry group
1.16
- Max
- 2.28
- Q3
- 1.58
- Median
- 1.32
- CFG
- 1.16
- Q1
- 1.10
- Min
- 0.59
UMBF
Banks industry group
1.34
- Max
- 2.28
- Q3
- 1.58
- UMBF
- 1.34
- Median
- 1.32
- Q1
- 1.10
- Min
- 0.59
Valuation Metrics
| Metric | CFG | UMBF |
|---|---|---|
| P/E Ratio (TTM) | 12.78 | 10.12 |
| P/S Ratio (TTM) | -- | -- |
| P/B Ratio (MRQ) | 1.16 | 1.34 |
| Free Cash Flow Yield (TTM) | -- | -- |