FHN vs. UMBF: First Horizon vs. UMB Financial Stock Comparison
How do First Horizon (FHN) 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
First Horizon (FHN) 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 | FHN | UMBF |
|---|---|---|
| Name | First Horizon Corporation | 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 | 10.85 billion USD | 10.16 billion USD |
| Currency | USD | USD |
| Exchange | NYSE | Nasdaq |
| Listing Date | March 17, 1980 | March 17, 1980 |
| Security Type | Common Stock | Common Stock |
Price Performance
Cumulative Growth
Trailing Returns
Calendar-Year Returns
Performance Metrics
| Metric | FHN | UMBF |
|---|---|---|
| Total Return (1Y) | 12.96% | 28.13% |
| Total Return (3Y, Annualized) | 32.94% | 29.84% |
| Total Return (5Y, Annualized) | 10.16% | 7.39% |
Risk Profile
Drawdown History
Return Distribution
Risk Metrics
| Metric | FHN | UMBF |
|---|---|---|
| Volatility (1Y, Annualized) | 22.55% | 24.80% |
| Beta (5Y) | 0.61 | 0.83 |
| Max Drawdown (5Y) | -60.76% | -50.25% |
| Avg. Volume (3M) | 5.55M | 608.54K |
Risk-Adjusted Performance
Risk-Return Positioning
Risk-Adjusted Metrics
| Metric | FHN | UMBF |
|---|---|---|
| Sharpe Ratio (1Y) | 0.38 | 0.96 |
| Sortino Ratio (1Y) | 0.56 | 1.45 |
Profitability
ROE (TTM)
UMB Financial (UMBF) at 13.50% is around its peer norm for ROE, while First Horizon (FHN) at 7.92% drops into the bottom quartile, signaling weaker returns on shareholders’ equity.
FHN
Banks industry group
7.92%
- Max
- 19.84%
- Q3
- 13.67%
- Median
- 11.49%
- Q1
- 9.50%
- FHN
- 7.92%
- 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 First Horizon (FHN) at 23.43% keeps a bottom-quartile share.
FHN
Banks industry group
23.43%
- Max
- 47.19%
- Q3
- 35.25%
- Median
- 31.21%
- Q1
- 27.11%
- FHN
- 23.43%
- 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 First Horizon (FHN) 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 | FHN | UMBF |
|---|---|---|
| ROE (TTM) | 7.92% | 13.50% |
| ROA (TTM) | 0.87% | 1.43% |
| Net Margin (TTM) | 23.43% | 35.61% |
| Operating Margin (TTM) | -- | -- |
| Gross Margin (TTM) | -- | -- |
Growth
Revenue Growth
UMB Financial (UMBF) at 65.66% clears its industry range for revenue growth, far stronger top-line momentum than First Horizon (FHN) at 7.33%, which is closer to a typical peer reading.
EPS Growth
First Horizon (FHN) at 37.50% sits in the top EPS growth quartile, while UMB Financial (UMBF) at 3.34% is in the bottom quartile, showing a clear gap in earnings momentum.
Growth Metrics
| Metric | FHN | UMBF |
|---|---|---|
| Revenue Growth (YoY) | 7.33% | 65.66% |
| Revenue Growth (3Y CAGR) | 2.12% | 21.36% |
| EPS Growth (YoY) | 37.50% | 3.34% |
| EPS Growth (3Y CAGR) | 6.92% | 1.59% |
Financial Strength
Current Ratio (MRQ)
current ratio doesn’t apply on either side: First Horizon (FHN) 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: First Horizon (FHN) 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 | FHN | UMBF |
|---|---|---|
| Current Ratio (MRQ) | -- | -- |
| Debt / Equity (MRQ) | -- | -- |
| Net Debt / EBITDA | -- | -- |
Dividends
Dividend Yield (TTM)
Both First Horizon (FHN) at 2.85% and UMB Financial (UMBF) at 1.33% pay solid, industry-typical yields, sitting squarely within their peers’ usual range.
FHN
Banks industry group
2.85%
- Max
- 5.79%
- Q3
- 3.18%
- FHN
- 2.85%
- 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)
UMB Financial (UMBF) at 13.54% retains more earnings than its industry usually does; First Horizon (FHN) at 47.48% distributes an above-typical share — opposite departures from the band, with the risk sitting on FHN’s side.
FHN
Banks industry group
47.48%
- Max
- 70.75%
- FHN
- 47.48%
- Q3
- 41.28%
- 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 | FHN | UMBF |
|---|---|---|
| Dividend Yield (TTM) | 2.85% | 1.33% |
| Dividend Payout Ratio (TTM) | 47.48% | 13.54% |
Valuation
P/E Ratio (TTM)
UMB Financial (UMBF) at 10.12 sits in the cheaper P/E ratio quartile, while First Horizon (FHN) at 16.58 sits in the richer quartile — a clear split in what investors pay for each dollar of trailing earnings.
FHN
Banks industry group
16.58
- Max
- 18.16
- FHN
- 16.58
- Q3
- 13.75
- 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 First Horizon (FHN) 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 First Horizon (FHN) at 1.34 and UMB Financial (UMBF) at 1.34 are valued close to their industries’ norm against book — neither stands out from peers.
FHN
Banks industry group
1.34
- Max
- 2.28
- Q3
- 1.58
- FHN
- 1.34
- Median
- 1.32
- 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 | FHN | UMBF |
|---|---|---|
| P/E Ratio (TTM) | 16.58 | 10.12 |
| P/S Ratio (TTM) | -- | -- |
| P/B Ratio (MRQ) | 1.34 | 1.34 |
| Free Cash Flow Yield (TTM) | -- | -- |