KEY vs. UMBF: KeyCorp vs. UMB Financial Stock Comparison

Company Profile

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

Price Performance

Cumulative Growth

Trailing Returns

Calendar-Year Returns

Performance Metrics

Risk Profile

Drawdown History

Return Distribution

Risk Metrics

KeyCorp (KEY) is heavily traded at around 14.36M 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

Both KeyCorp (KEY) at 11.17% 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% retains a top-quartile share of revenue as profit, ahead of KeyCorp (KEY) at 27.99%, which keeps about the industry-typical share.

Neither side reports a meaningful operating margin: for KeyCorp (KEY) 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

Both KeyCorp (KEY) at 65.72% and UMB Financial (UMBF) at 65.66% are expanding revenue faster than their entire industry benchmark ranges for revenue growth — exceptional top-line momentum on both sides, though growth that far above the peer range is worth checking for one-off boosts such as acquisitions.

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

Growth Metrics

Financial Strength

current ratio doesn’t apply on either side: KeyCorp (KEY) 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: KeyCorp (KEY) 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

KeyCorp (KEY) at 3.91% delivers top-quartile income for its industry, while UMB Financial (UMBF) at 1.33% pays a more typical yield — both are credible income propositions, KEY the richer one.

UMB Financial (UMBF) at 13.54% retains more earnings than its industry usually does; KeyCorp (KEY) at 45.05% distributes an above-typical share — opposite departures from the band, with the risk sitting on KEY’s side.

Dividend Metrics

Valuation

UMB Financial (UMBF) at 10.12 sits in the cheaper P/E ratio quartile, while KeyCorp (KEY) at 11.46 is closer to its industry’s usual earnings multiple — a discount for UMBF, though growth and earnings durability still matter.

P/S ratio is set aside for both KeyCorp (KEY) 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.

On P/B ratio, both KeyCorp (KEY) at 1.39 and UMB Financial (UMBF) at 1.34 are valued close to their industries’ norm against book — neither stands out from peers.

Valuation Metrics