FITB vs. UMBF: Fifth Third Bancorp vs. UMB Financial Stock Comparison
How do Fifth Third Bancorp (FITB) 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
Fifth Third Bancorp (FITB) and UMB Financial (UMBF) both belong to the Banks industry, though FITB is classified under Diversified Banks while UMBF falls under Regional Banks.
| Profile Item | FITB | UMBF |
|---|---|---|
| Name | Fifth Third Bancorp | 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 | Diversified Banks | Regional Banks |
| Market Capitalization | 47.93 billion USD | 10.16 billion USD |
| Currency | USD | USD |
| Exchange | Nasdaq | 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 | FITB | UMBF |
|---|---|---|
| Total Return (1Y) | 31.61% | 28.13% |
| Total Return (3Y, Annualized) | 34.78% | 29.84% |
| Total Return (5Y, Annualized) | 8.38% | 7.39% |
Risk Profile
Drawdown History
Return Distribution
Risk Metrics
| Metric | FITB | UMBF |
|---|---|---|
| Volatility (1Y, Annualized) | 25.76% | 24.80% |
| Beta (5Y) | 0.96 | 0.83 |
| Max Drawdown (5Y) | -51.68% | -50.25% |
| Avg. Volume (3M) | 6.30M | 608.54K |
Risk-Adjusted Performance
Risk-Return Positioning
Risk-Adjusted Metrics
| Metric | FITB | UMBF |
|---|---|---|
| Sharpe Ratio (1Y) | 1.06 | 0.96 |
| Sortino Ratio (1Y) | 1.58 | 1.45 |
Profitability
ROE (TTM)
UMB Financial (UMBF) at 13.50% is around its peer norm for ROE, while Fifth Third Bancorp (FITB) at 9.42% drops into the bottom quartile, signaling weaker returns on shareholders’ equity.
FITB
Banks industry group
9.42%
- Max
- 19.84%
- Q3
- 13.67%
- Median
- 11.49%
- Q1
- 9.50%
- FITB
- 9.42%
- 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 Fifth Third Bancorp (FITB) at 22.97% keeps a bottom-quartile share.
FITB
Banks industry group
22.97%
- Max
- 47.19%
- Q3
- 35.25%
- Median
- 31.21%
- Q1
- 27.11%
- FITB
- 22.97%
- 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 Fifth Third Bancorp (FITB) 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 | FITB | UMBF |
|---|---|---|
| ROE (TTM) | 9.42% | 13.50% |
| ROA (TTM) | 1.00% | 1.43% |
| Net Margin (TTM) | 22.97% | 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 Fifth Third Bancorp (FITB) at 6.61%, which is closer to a typical peer reading.
EPS Growth
Fifth Third Bancorp (FITB) at 12.42% 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 | FITB | UMBF |
|---|---|---|
| Revenue Growth (YoY) | 6.61% | 65.66% |
| Revenue Growth (3Y CAGR) | 2.87% | 21.36% |
| EPS Growth (YoY) | 12.42% | 3.34% |
| EPS Growth (3Y CAGR) | 1.76% | 1.59% |
Financial Strength
Current Ratio (MRQ)
current ratio doesn’t apply on either side: Fifth Third Bancorp (FITB) 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: Fifth Third Bancorp (FITB) 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 | FITB | UMBF |
|---|---|---|
| Current Ratio (MRQ) | -- | -- |
| Debt / Equity (MRQ) | -- | -- |
| Net Debt / EBITDA | -- | -- |
Dividends
Dividend Yield (TTM)
Both Fifth Third Bancorp (FITB) at 3.03% and UMB Financial (UMBF) at 1.33% pay solid, industry-typical yields, sitting squarely within their peers’ usual range.
FITB
Banks industry group
3.03%
- Max
- 5.79%
- Q3
- 3.18%
- FITB
- 3.03%
- 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; Fifth Third Bancorp (FITB) at 54.36% distributes an above-typical share — opposite departures from the band, with the risk sitting on FITB’s side.
FITB
Banks industry group
54.36%
- Max
- 70.75%
- FITB
- 54.36%
- 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 | FITB | UMBF |
|---|---|---|
| Dividend Yield (TTM) | 3.03% | 1.33% |
| Dividend Payout Ratio (TTM) | 54.36% | 13.54% |
Valuation
P/E Ratio (TTM)
UMB Financial (UMBF) at 10.12 sits in the cheaper P/E ratio quartile, while Fifth Third Bancorp (FITB) at 17.80 sits in the richer quartile — a clear split in what investors pay for each dollar of trailing earnings.
FITB
Banks industry group
17.80
- Max
- 18.16
- FITB
- 17.80
- 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 Fifth Third Bancorp (FITB) 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 Fifth Third Bancorp (FITB) at 1.55 and UMB Financial (UMBF) at 1.34 are valued close to their industries’ norm against book — neither stands out from peers.
FITB
Banks industry group
1.55
- Max
- 2.28
- Q3
- 1.58
- FITB
- 1.55
- 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 | FITB | UMBF |
|---|---|---|
| P/E Ratio (TTM) | 17.80 | 10.12 |
| P/S Ratio (TTM) | -- | -- |
| P/B Ratio (MRQ) | 1.55 | 1.34 |
| Free Cash Flow Yield (TTM) | -- | -- |