RY vs. UMBF: Royal Bank of Canada vs. UMB Financial Stock Comparison

Company Profile

Royal Bank of Canada (RY) and UMB Financial (UMBF) both belong to the Banks industry, though RY 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

Royal Bank of Canada (RY) at 16.21% sits in the top ROE quartile, while UMB Financial (UMBF) at 13.50% is closer to the peer norm — stronger capital efficiency for RY.

UMB Financial (UMBF) at 35.61% retains a top-quartile share of revenue as profit, ahead of Royal Bank of Canada (RY) at 33.87%, which keeps about the industry-typical share.

Neither side reports a meaningful operating margin: for Royal Bank of Canada (RY) 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 Royal Bank of Canada (RY) at 15.73%, which is closer to a typical peer reading.

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

Growth Metrics

Financial Strength

current ratio doesn’t apply on either side: Royal Bank of Canada (RY) 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: Royal Bank of Canada (RY) 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

Royal Bank of Canada (RY) at 3.23% delivers top-quartile income for its industry, while UMB Financial (UMBF) at 1.33% pays a more typical yield — both are credible income propositions, RY the richer one.

UMB Financial (UMBF) at 13.54% retains more earnings than its industry usually does; Royal Bank of Canada (RY) at 41.49% distributes an above-typical share — opposite departures from the band, with the risk sitting on RY’s side.

Dividend Metrics

Valuation

UMB Financial (UMBF) at 10.12 sits in the cheaper P/E ratio quartile, while Royal Bank of Canada (RY) at 17.58 sits in the richer quartile — a clear split in what investors pay for each dollar of trailing earnings.

P/S ratio is set aside for both Royal Bank of Canada (RY) 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 sits near its industry’s typical P/B ratio, while Royal Bank of Canada (RY) at 2.92 prices above its benchmark range — RY looks rich relative to book.

Valuation Metrics