PNC vs. UMBF: PNC Financial Services vs. UMB Financial Stock Comparison

Company Profile

PNC Financial Services (PNC) and UMB Financial (UMBF) both belong to the Banks industry, though PNC 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

Risk-Adjusted Performance

Risk-Return Positioning

Risk-Adjusted Metrics

Profitability

Both PNC Financial Services (PNC) at 13.10% 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 PNC Financial Services (PNC) at 31.68%, which keeps about the industry-typical share.

Neither side reports a meaningful operating margin: for PNC Financial Services (PNC) 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 PNC Financial Services (PNC) at 10.90%, which is closer to a typical peer reading.

PNC Financial Services (PNC) at 20.74% 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: PNC Financial Services (PNC) 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: PNC Financial Services (PNC) 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 PNC Financial Services (PNC) at 3.13% and UMB Financial (UMBF) at 1.33% pay solid, industry-typical yields, sitting squarely within their peers’ usual range.

PNC Financial Services (PNC) at 37.81% 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 PNC Financial Services (PNC) at 12.00 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 PNC Financial Services (PNC) 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 PNC Financial Services (PNC) at 1.59 carries an above-peer premium to book — PNC is pricier on assets.

Valuation Metrics