ITUB vs. UMBF: Itaú Unibanco vs. UMB Financial Stock Comparison

Company Profile

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

UMB Financial (UMBF) trades as ordinary local shares, while Itaú Unibanco (ITUB) 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

Itaú Unibanco (ITUB) is heavily traded at around 31.15M shares per day, whereas UMB Financial (UMBF) sees a more moderate 608.54K — larger orders in the latter may require more patience and tighter control over order sizing.

Risk-Adjusted Performance

Risk-Return Positioning

Risk-Adjusted Metrics

Profitability

Itaú Unibanco (ITUB) at 20.96% clears its industry range for ROE, a sharper capital-efficiency signal than UMB Financial (UMBF) at 13.50%, which is closer to a typical peer reading.

UMB Financial (UMBF) at 35.61% retains a top-quartile share of revenue as profit, ahead of Itaú Unibanco (ITUB) at 32.46%, which keeps about the industry-typical share.

Neither side reports a meaningful operating margin: for Itaú Unibanco (ITUB) 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 Itaú Unibanco (ITUB) at 4.21% falls into the bottom quartile — a wide split in revenue momentum.

Itaú Unibanco (ITUB) at 9.21% 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: Itaú Unibanco (ITUB) 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: Itaú Unibanco (ITUB) 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; Itaú Unibanco (ITUB) at 40.54% 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.

UMB Financial (UMBF) at 13.54% retains more earnings than its industry usually does; Itaú Unibanco (ITUB) at 70.75% distributes an above-typical share — opposite departures from the band, with the risk sitting on ITUB’s side.

Dividend Metrics

Valuation

Both Itaú Unibanco (ITUB) at 9.12 and UMB Financial (UMBF) at 10.12 sit in the cheaper earnings-multiple quartile for P/E ratio, with the market paying less for a dollar of trailing earnings than it pays for typical peers.

P/S ratio is set aside for both Itaú Unibanco (ITUB) 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 is valued about in line with its industry on P/B ratio, while Itaú Unibanco (ITUB) at 1.79 carries an above-peer premium to book — ITUB is pricier on assets.

Valuation Metrics