JPM vs. UMBF: JPMorgan Chase vs. UMB Financial Stock Comparison
How do JPMorgan Chase (JPM) 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
JPMorgan Chase (JPM) and UMB Financial (UMBF) both belong to the Banks industry, though JPM is classified under Diversified Banks while UMBF falls under Regional Banks.
| Profile Item | JPM | UMBF |
|---|---|---|
| Name | JPMorgan Chase & Co. | 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 | 888.27 billion USD | 10.16 billion USD |
| Currency | USD | USD |
| Exchange | NYSE | 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 | JPM | UMBF |
|---|---|---|
| Total Return (1Y) | 11.23% | 28.13% |
| Total Return (3Y, Annualized) | 36.31% | 29.84% |
| Total Return (5Y, Annualized) | 18.27% | 7.39% |
Risk Profile
Drawdown History
Return Distribution
Risk Metrics
| Metric | JPM | UMBF |
|---|---|---|
| Volatility (1Y, Annualized) | 23.08% | 24.80% |
| Beta (5Y) | 1.02 | 0.83 |
| Max Drawdown (5Y) | -37.93% | -50.25% |
| Avg. Volume (3M) | 7.03M | 608.54K |
Risk-Adjusted Performance
Risk-Return Positioning
Risk-Adjusted Metrics
| Metric | JPM | UMBF |
|---|---|---|
| Sharpe Ratio (1Y) | 0.30 | 0.96 |
| Sortino Ratio (1Y) | 0.42 | 1.45 |
Profitability
ROE (TTM)
JPMorgan Chase (JPM) at 18.01% sits in the top ROE quartile, while UMB Financial (UMBF) at 13.50% is closer to the peer norm — stronger capital efficiency for JPM.
JPM
Banks industry group
18.01%
- Max
- 19.84%
- JPM
- 18.01%
- 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%
Net Margin (TTM)
UMB Financial (UMBF) at 35.61% retains a top-quartile share of revenue as profit, ahead of JPMorgan Chase (JPM) at 34.59%, which keeps about the industry-typical share.
JPM
Banks industry group
34.59%
- Max
- 47.19%
- Q3
- 35.25%
- JPM
- 34.59%
- 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%
Operating Margin (TTM)
Neither side reports a meaningful operating margin: for JPMorgan Chase (JPM) 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 | JPM | UMBF |
|---|---|---|
| ROE (TTM) | 18.01% | 13.50% |
| ROA (TTM) | 1.37% | 1.43% |
| Net Margin (TTM) | 34.59% | 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 JPMorgan Chase (JPM) at 7.32%, which is closer to a typical peer reading.
EPS Growth
Both JPMorgan Chase (JPM) at 1.37% and UMB Financial (UMBF) at 3.34% post bottom-quartile EPS growth versus peers, pointing to weaker earnings momentum than typical rivals.
Growth Metrics
| Metric | JPM | UMBF |
|---|---|---|
| Revenue Growth (YoY) | 7.32% | 65.66% |
| Revenue Growth (3Y CAGR) | 12.50% | 21.36% |
| EPS Growth (YoY) | 1.37% | 3.34% |
| EPS Growth (3Y CAGR) | 18.31% | 1.59% |
Financial Strength
Current Ratio (MRQ)
current ratio doesn’t apply on either side: JPMorgan Chase (JPM) 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: JPMorgan Chase (JPM) 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 | JPM | UMBF |
|---|---|---|
| Current Ratio (MRQ) | -- | -- |
| Debt / Equity (MRQ) | -- | -- |
| Net Debt / EBITDA | -- | -- |
Dividends
Dividend Yield (TTM)
Both JPMorgan Chase (JPM) at 1.82% and UMB Financial (UMBF) at 1.33% pay solid, industry-typical yields, sitting squarely within their peers’ usual range.
JPM
Banks industry group
1.82%
- Max
- 5.79%
- Q3
- 3.18%
- Median
- 2.39%
- JPM
- 1.82%
- 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)
JPMorgan Chase (JPM) at 25.80% 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.
JPM
Banks industry group
25.80%
- Max
- 70.75%
- Q3
- 41.28%
- Median
- 29.26%
- JPM
- 25.80%
- 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 | JPM | UMBF |
|---|---|---|
| Dividend Yield (TTM) | 1.82% | 1.33% |
| Dividend Payout Ratio (TTM) | 25.80% | 13.54% |
Valuation
P/E Ratio (TTM)
UMB Financial (UMBF) at 10.12 sits in the cheaper P/E ratio quartile, while JPMorgan Chase (JPM) at 14.03 sits in the richer quartile — a clear split in what investors pay for each dollar of trailing earnings.
JPM
Banks industry group
14.03
- Max
- 18.16
- JPM
- 14.03
- 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 JPMorgan Chase (JPM) 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 sits near its industry’s typical P/B ratio, while JPMorgan Chase (JPM) at 2.53 prices above its benchmark range — JPM looks rich relative to book.
JPM
Banks industry group
2.53
- JPM
- 2.53
- Max
- 2.28
- 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
Valuation Metrics
| Metric | JPM | UMBF |
|---|---|---|
| P/E Ratio (TTM) | 14.03 | 10.12 |
| P/S Ratio (TTM) | -- | -- |
| P/B Ratio (MRQ) | 2.53 | 1.34 |
| Free Cash Flow Yield (TTM) | -- | -- |