MUFG vs. UMBF: Mitsubishi UFJ Financial vs. UMB Financial Stock Comparison

Company Profile

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

UMB Financial (UMBF) trades as ordinary local shares, while Mitsubishi UFJ Financial (MUFG) 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

UMB Financial (UMBF) at 13.50% is around its peer norm for ROE, while Mitsubishi UFJ Financial (MUFG) at 9.46% drops into the bottom quartile, signaling weaker returns on shareholders’ equity.

UMB Financial (UMBF) at 35.61% retains a top-quartile share of revenue as profit, ahead of Mitsubishi UFJ Financial (MUFG) at 27.45%, which keeps about the industry-typical share.

Neither side reports a meaningful operating margin: for Mitsubishi UFJ Financial (MUFG) 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 Mitsubishi UFJ Financial (MUFG) at 9.98%, which is closer to a typical peer reading.

Mitsubishi UFJ Financial (MUFG) at 33.15% sits in the top EPS growth quartile, while UMB Financial (UMBF) at 3.34% is in the bottom quartile, showing a clear gap in earnings momentum.

Growth Metrics

Financial Strength

current ratio doesn’t apply on either side: Mitsubishi UFJ Financial (MUFG) 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: Mitsubishi UFJ Financial (MUFG) 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; Mitsubishi UFJ Financial (MUFG) at 406.81% 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.

Mitsubishi UFJ Financial (MUFG) at 34.74% 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.

Dividend Metrics

Valuation

UMB Financial (UMBF) at 10.12 sits in the cheaper P/E ratio quartile, while Mitsubishi UFJ Financial (MUFG) at 13.71 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 Mitsubishi UFJ Financial (MUFG) 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 Mitsubishi UFJ Financial (MUFG) at 1.64 carries an above-peer premium to book — MUFG is pricier on assets.

Valuation Metrics