IBN vs. UMBF: ICICI Bank vs. UMB Financial Stock Comparison

Company Profile

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

UMB Financial (UMBF) trades as ordinary local shares, while ICICI Bank (IBN) 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

ICICI Bank (IBN) at 16.49% sits in the top ROE quartile, while UMB Financial (UMBF) at 13.50% is closer to the peer norm — stronger capital efficiency for IBN.

UMB Financial (UMBF) at 35.61% retains a top-quartile share of revenue as profit, ahead of ICICI Bank (IBN) at 27.85%, which keeps about the industry-typical share.

Neither side reports a meaningful operating margin: for ICICI Bank (IBN) 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% clears its industry range for revenue growth, far stronger top-line momentum than ICICI Bank (IBN) at 9.13%, which is closer to a typical peer reading.

ICICI Bank (IBN) at 5.10% 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

Financial Strength

current ratio doesn’t apply on either side: ICICI Bank (IBN) 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: ICICI Bank (IBN) 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

ICICI Bank (IBN) pays no dividend (yield 0.00%) — it may be reinvesting, using buybacks, or simply not returning cash through dividends. Meanwhile UMB Financial (UMBF) reports a yield of 1.33%, ranking against industry peers normally.

Both ICICI Bank (IBN) at 14.16% and UMB Financial (UMBF) at 13.54% pay out less of their earnings than their industries typically do, keeping retention high — common for businesses prioritizing reinvestment.

Dividend Metrics

Valuation

UMB Financial (UMBF) at 10.12 sits in the cheaper P/E ratio quartile, while ICICI Bank (IBN) at 19.26 trades above its peer range — a wide earnings-valuation gap relative to industry peers.

P/S ratio is set aside for both ICICI Bank (IBN) 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 ICICI Bank (IBN) at 2.94 prices above its benchmark range — IBN looks rich relative to book.

Valuation Metrics