SAN vs. UMBF: Banco Santander vs. UMB Financial Stock Comparison

Company Profile

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

UMB Financial (UMBF) trades as ordinary local shares, while Banco Santander (SAN) 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

Banco Santander (SAN) is heavily traded at around 11.52M 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 Banco Santander (SAN) at 13.06% 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 Banco Santander (SAN) at 32.58%, which keeps about the industry-typical share.

Neither side reports a meaningful operating margin: for Banco Santander (SAN) 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% delivers above-range revenue growth, while Banco Santander (SAN) at -0.47% falls into the bottom quartile — a wide split in revenue momentum.

Banco Santander (SAN) at 17.19% 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: Banco Santander (SAN) 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: Banco Santander (SAN) 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 Banco Santander (SAN) at 2.10% and UMB Financial (UMBF) at 1.33% pay solid, industry-typical yields, sitting squarely within their peers’ usual range.

Banco Santander (SAN) at 25.91% 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 Banco Santander (SAN) at 11.08 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 Banco Santander (SAN) 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 Banco Santander (SAN) at 1.33 and UMB Financial (UMBF) at 1.34 are valued close to their industries’ norm against book — neither stands out from peers.

Valuation Metrics