UMBF vs. WF: UMB Financial vs. Woori Financial Stock Comparison

Company Profile

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

UMB Financial (UMBF) trades as ordinary local shares, while Woori Financial (WF) 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

Risk-Adjusted Performance

Risk-Return Positioning

Risk-Adjusted Metrics

Profitability

UMB Financial (UMBF) at 13.50% is around its peer norm for ROE, while Woori Financial (WF) at 7.93% drops into the bottom quartile, signaling weaker returns on shareholders’ equity.

UMB Financial (UMBF) at 35.61% keeps a top-quartile share of each sales dollar as profit, while Woori Financial (WF) at 27.06% keeps a bottom-quartile share.

Neither side reports a meaningful operating margin: for UMB Financial (UMBF) in Banks and Woori Financial (WF) 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 Woori Financial (WF) at 5.30% falls into the bottom quartile — a wide split in revenue momentum.

Both UMB Financial (UMBF) at 3.34% and Woori Financial (WF) at 2.58% post bottom-quartile EPS growth versus peers, pointing to weaker earnings momentum than typical rivals.

Growth Metrics

Financial Strength

current ratio doesn’t apply on either side: UMB Financial (UMBF) in Banks and Woori Financial (WF) 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 Woori Financial (WF) 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

UMB Financial (UMBF) at 1.33% pays an industry-typical yield; Woori Financial (WF) at 1,108.19% is above its entire peer range — the higher number, but one that calls for a look at payout sustainability before treating it as an advantage.

Woori Financial (WF) at 32.85% 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

Both UMB Financial (UMBF) at 10.12 and Woori Financial (WF) at 8.04 sit in the cheaper earnings-multiple quartile for P/E ratio, with the market paying less for a dollar of trailing earnings than it pays for typical peers.

P/S ratio is set aside for both UMB Financial (UMBF) in Banks and Woori Financial (WF) 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.

Woori Financial (WF) at 0.63 sits in the lower P/B ratio quartile against book while UMB Financial (UMBF) at 1.34 is valued near its industry’s middle — WF is cheaper on assets, though weigh it against ROE and asset quality.

Valuation Metrics