NWG vs. UMBF: NatWest vs. UMB Financial Stock Comparison

Company Profile

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

UMB Financial (UMBF) trades as ordinary local shares, while NatWest (NWG) 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

NatWest (NWG) at 14.58% sits in the top ROE quartile, while UMB Financial (UMBF) at 13.50% is closer to the peer norm — stronger capital efficiency for NWG.

For every dollar of sales, both NatWest (NWG) at 36.93% and UMB Financial (UMBF) at 35.61% retain more as net profit than most peers, landing in the top net margin quartile of their industries.

Neither side reports a meaningful operating margin: for NatWest (NWG) 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 NatWest (NWG) at 13.35%, which is closer to a typical peer reading.

NatWest (NWG) at 26.93% 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: NatWest (NWG) 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: NatWest (NWG) 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

Both NatWest (NWG) at 2.19% and UMB Financial (UMBF) at 1.33% pay solid, industry-typical yields, sitting squarely within their peers’ usual range.

UMB Financial (UMBF) at 13.54% retains more earnings than its industry usually does; NatWest (NWG) at 47.43% distributes an above-typical share — opposite departures from the band, with the risk sitting on NWG’s side.

Dividend Metrics

Valuation

Both NatWest (NWG) at 7.84 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 NatWest (NWG) 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 NatWest (NWG) at 1.20 and UMB Financial (UMBF) at 1.34 are valued close to their industries’ norm against book — neither stands out from peers.

Valuation Metrics