UMBF vs. USB: UMB Financial vs. U.S. Bancorp Stock Comparison

Company Profile

UMB Financial (UMBF) and U.S. Bancorp (USB) both belong to the Banks industry, though UMBF is classified under Regional Banks while USB falls under Diversified 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 UMB Financial (UMBF) at 13.50% and U.S. Bancorp (USB) at 12.84% 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 U.S. Bancorp (USB) at 30.01%, which keeps about the industry-typical share.

Neither side reports a meaningful operating margin: for UMB Financial (UMBF) in Banks and U.S. Bancorp (USB) 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 U.S. Bancorp (USB) at 4.41% falls into the bottom quartile — a wide split in revenue momentum.

U.S. Bancorp (USB) at 21.90% 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: UMB Financial (UMBF) in Banks and U.S. Bancorp (USB) 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: UMB Financial (UMBF) in Banks and U.S. Bancorp (USB) 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

U.S. Bancorp (USB) at 3.51% delivers top-quartile income for its industry, while UMB Financial (UMBF) at 1.33% pays a more typical yield — both are credible income propositions, USB the richer one.

U.S. Bancorp (USB) at 40.86% 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 U.S. Bancorp (USB) at 11.57 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 UMB Financial (UMBF) in Banks and U.S. Bancorp (USB) 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 UMB Financial (UMBF) at 1.34 and U.S. Bancorp (USB) at 1.55 are valued close to their industries’ norm against book — neither stands out from peers.

Valuation Metrics