ING vs. UMBF: ING Groep vs. UMB Financial Stock Comparison

November 11, 2026

How do ING Groep (ING) 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

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

UMB Financial (UMBF) trades as ordinary local shares, while ING Groep (ING) trades as an ADR — compare with FX exposure, depositary-program fees, and dividend-withholding-tax differences in mind.

Company profile comparison for ING Groep (ING) and UMB Financial (UMBF)
Profile Item	ING	UMBF
Name	ING Groep N.V. Sponsored ADR	UMB Financial Corporation
Country/Region	Netherlands	United States
GICS Sector	Financials	Financials
GICS Industry Group	Banks	Banks
GICS Industry	Banks	Banks
GICS Sub-Industry	Diversified Banks	Regional Banks
Market Capitalization	90.37 billion USD	10.16 billion USD
Currency	USD	USD
Exchange	NYSE	Nasdaq
Listing Date	May 18, 1994	March 17, 1980
Security Type	ADR	Common Stock

Price Performance

Cumulative Growth

ING

UMBF

GSPC

ING Groep (ING) vs. UMB Financial (UMBF), with S&P 500 (GSPC) for reference: Growth of a $10,000 investment over the past five years. Adjusted for dividends and splits.

Trailing Returns

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Trailing total returns for ING Groep (ING) and UMB Financial (UMBF). Returns over one year are annualized.

Calendar-Year Returns

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Calendar-year total returns for ING Groep (ING) and UMB Financial (UMBF). Each bar is that year's total return, measured year-end to year-end.

Performance Metrics

Price performance metrics for ING Groep (ING) and UMB Financial (UMBF)
Metric	ING	UMBF
Total Return (1Y)	34.23%	28.13%
Total Return (3Y, Annualized)	44.65%	29.84%
Total Return (5Y, Annualized)	24.74%	7.39%

Risk Profile

Drawdown History

ING

UMBF

GSPC

ING Groep (ING) vs. UMB Financial (UMBF), with S&P 500 (GSPC) for reference: Drawdown from the running peak over the past five years. Each line shows the decline from its prior peak; 0% marks a new high.

Return Distribution

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Distribution of monthly total returns for ING Groep (ING) and UMB Financial (UMBF). Each bar is the share of months whose return fell in that 5% bucket.

Risk Metrics

Risk profile metrics for ING Groep (ING) and UMB Financial (UMBF)
Metric	ING	UMBF
Volatility (1Y, Annualized)	28.52%	24.80%
Beta (5Y)	0.85	0.83
Max Drawdown (5Y)	-43.39%	-50.25%
Avg. Volume (3M)	2.24M	608.54K

Risk-Adjusted Performance

Risk-Return Positioning

ING and UMBF are plotted by 1-year volatility (risk) and 1-year return. The dashed Capital Allocation Line runs from the risk-free rate through the shared industry median.

Risk-Adjusted Metrics

Risk-adjusted metrics for ING Groep (ING) and UMB Financial (UMBF)
Metric	ING	UMBF
Sharpe Ratio (1Y)	1.05	0.96
Sortino Ratio (1Y)	1.67	1.45

Profitability

ROE (TTM)

ING Groep (ING) at 17.76% sits in the top ROE quartile, while UMB Financial (UMBF) at 13.50% is closer to the peer norm — stronger capital efficiency for ING.

ING

Banks industry group

17.76%

Max: 19.84%
ING: 17.76%
Q3: 13.67%
Median: 11.49%
Q1: 9.50%
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%

ING Groep (ING) vs. UMB Financial (UMBF): A comparison of their ROE against the Banks industry group benchmark.

Net Margin (TTM)

UMB Financial (UMBF) at 35.61% retains a top-quartile share of revenue as profit, ahead of ING Groep (ING) at 34.40%, which keeps about the industry-typical share.

ING

Banks industry group

34.40%

Max: 47.19%
Q3: 35.25%
ING: 34.40%
Median: 31.21%
Q1: 27.11%
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%

ING Groep (ING) vs. UMB Financial (UMBF): A comparison of their net margin against the Banks industry group benchmark.

Operating Margin (TTM)

Neither side reports a meaningful operating margin: for ING Groep (ING) 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

Profitability metrics for ING Groep (ING) and UMB Financial (UMBF)
Metric	ING	UMBF
ROE (TTM)	17.76%	13.50%
ROA (TTM)	0.79%	1.43%
Net Margin (TTM)	34.40%	35.61%
Operating Margin (TTM)	--	--
Gross Margin (TTM)	--	--

Growth

Revenue Growth

UMB Financial (UMBF) at 65.66% delivers above-range revenue growth, while ING Groep (ING) at 1.55% falls into the bottom quartile — a wide split in revenue momentum.

ING Groep (ING) vs. UMB Financial (UMBF): A comparison of their Revenue Growth across different time periods.

EPS Growth

ING Groep (ING) at 7.07% is around its peer norm for EPS growth, while UMB Financial (UMBF) at 3.34% drops into the bottom quartile, signaling weaker earnings momentum.

ING Groep (ING) vs. UMB Financial (UMBF): A comparison of their EPS Growth across different time periods.

Growth Metrics

Growth metrics for ING Groep (ING) and UMB Financial (UMBF)
Metric	ING	UMBF
Revenue Growth (YoY)	1.55%	65.66%
Revenue Growth (3Y CAGR)	6.63%	21.36%
EPS Growth (YoY)	7.07%	3.34%
EPS Growth (3Y CAGR)	28.04%	1.59%

Financial Strength

Current Ratio (MRQ)

current ratio doesn’t apply on either side: ING Groep (ING) 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: ING Groep (ING) 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

Financial strength metrics for ING Groep (ING) and UMB Financial (UMBF)
Metric	ING	UMBF
Current Ratio (MRQ)	--	--
Debt / Equity (MRQ)	--	--
Net Debt / EBITDA	--	--

Dividends

Dividend Yield (TTM)

ING Groep (ING) at 4.55% delivers top-quartile income for its industry, while UMB Financial (UMBF) at 1.33% pays a more typical yield — both are credible income propositions, ING the richer one.

ING

Banks industry group

4.55%

Max: 5.79%
ING: 4.55%
Q3: 3.18%
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%

ING Groep (ING) vs. UMB Financial (UMBF): A comparison of their dividend yield against the Banks industry group benchmark.

Dividend Payout Ratio (TTM)

UMB Financial (UMBF) at 13.54% retains more earnings than its industry usually does; ING Groep (ING) at 48.14% distributes an above-typical share — opposite departures from the band, with the risk sitting on ING’s side.

ING

Banks industry group

48.14%

Max: 70.75%
ING: 48.14%
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%

ING Groep (ING) vs. UMB Financial (UMBF): A comparison of their payout ratio against the Banks industry group benchmark.

Dividend Metrics

Dividend metrics for ING Groep (ING) and UMB Financial (UMBF)
Metric	ING	UMBF
Dividend Yield (TTM)	4.55%	1.33%
Dividend Payout Ratio (TTM)	48.14%	13.54%

Valuation

P/E Ratio (TTM)

UMB Financial (UMBF) at 10.12 sits in the cheaper P/E ratio quartile, while ING Groep (ING) at 11.70 is closer to its industry’s usual earnings multiple — a discount for UMBF, though growth and earnings durability still matter.

ING

Banks industry group

11.70

Max: 18.16
Q3: 13.75
Median: 11.81
ING: 11.70
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

ING Groep (ING) vs. UMB Financial (UMBF): A comparison of their P/E ratio against the Banks industry group benchmark.

P/S Ratio (TTM)

P/S ratio is set aside for both ING Groep (ING) 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)

UMB Financial (UMBF) at 1.34 is valued about in line with its industry on P/B ratio, while ING Groep (ING) at 1.61 carries an above-peer premium to book — ING is pricier on assets.

ING

Banks industry group

1.61

Max: 2.28
ING: 1.61
Q3: 1.58
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

ING Groep (ING) vs. UMB Financial (UMBF): A comparison of their P/B ratio against the Banks industry group benchmark.

Valuation Metrics

Valuation metrics for ING Groep (ING) and UMB Financial (UMBF)
Metric	ING	UMBF
P/E Ratio (TTM)	11.70	10.12
P/S Ratio (TTM)	--	--
P/B Ratio (MRQ)	1.61	1.34
Free Cash Flow Yield (TTM)	--	--