TFC vs. UMBF: Truist Financial vs. UMB Financial Stock Comparison

Company Profile

Truist Financial (TFC) and UMB Financial (UMBF) are both classified in the Regional Banks sub-industry within the broader Banks industry, placing them in the closest GICS peer bucket.

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 Truist Financial (TFC) at 8.16% 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 Truist Financial (TFC) at 28.38%, which keeps about the industry-typical share.

Neither side reports a meaningful operating margin: for Truist Financial (TFC) 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

Both Truist Financial (TFC) at 53.03% and UMB Financial (UMBF) at 65.66% are expanding revenue faster than their entire industry benchmark ranges for revenue growth — exceptional top-line momentum on both sides, though growth that far above the peer range is worth checking for one-off boosts such as acquisitions.

Truist Financial (TFC) at 13.69% 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: Truist Financial (TFC) 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: Truist Financial (TFC) 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

Truist Financial (TFC) at 4.17% delivers top-quartile income for its industry, while UMB Financial (UMBF) at 1.33% pays a more typical yield — both are credible income propositions, TFC the richer one.

UMB Financial (UMBF) at 13.54% retains more earnings than its industry usually does; Truist Financial (TFC) at 53.61% distributes an above-typical share — opposite departures from the band, with the risk sitting on TFC’s side.

Dividend Metrics

Valuation

UMB Financial (UMBF) at 10.12 sits in the cheaper P/E ratio quartile, while Truist Financial (TFC) at 12.73 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 Truist Financial (TFC) 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.

Truist Financial (TFC) at 1.06 sits in the lower P/B ratio quartile against book while UMB Financial (UMBF) at 1.34 is valued near its industry’s middle — TFC is cheaper on assets, though weigh it against ROE and asset quality.

Valuation Metrics