HDB vs. UMBF: HDFC Bank vs. UMB Financial Stock Comparison

Company Profile

HDFC Bank (HDB) and UMB Financial (UMBF) both belong to the Banks industry, though HDB is classified under Diversified Banks while UMBF falls under Regional Banks.

UMB Financial (UMBF) trades as ordinary local shares, while HDFC Bank (HDB) 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 HDFC Bank (HDB) at 11.01% 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% keeps a top-quartile share of each sales dollar as profit, while HDFC Bank (HDB) at 26.53% keeps a bottom-quartile share.

Neither side reports a meaningful operating margin: for HDFC Bank (HDB) 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 HDFC Bank (HDB) at 5.23% falls into the bottom quartile — a wide split in revenue momentum.

Only one side can be read here: UMB Financial (UMBF) reports EPS growth of 3.34%, ranked against its industry; HDFC Bank (HDB) has no EPS growth figure this period.

Growth Metrics

Financial Strength

current ratio doesn’t apply on either side: HDFC Bank (HDB) 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: HDFC Bank (HDB) 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

UMB Financial (UMBF) at 1.33% pays an industry-typical yield; HDFC Bank (HDB) at 52.63% is above its entire peer range — the higher number, but one that calls for a look at payout sustainability before treating it as an advantage.

HDFC Bank (HDB) at 23.43% 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.

Dividend Metrics

Valuation

UMB Financial (UMBF) at 10.12 sits in the cheaper P/E ratio quartile, while HDFC Bank (HDB) at 16.22 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 HDFC Bank (HDB) 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 sits near its industry’s typical P/B ratio, while HDFC Bank (HDB) at 10.01 prices above its benchmark range — HDB looks rich relative to book.

Valuation Metrics