UMBF vs. WFC: UMB Financial vs. Wells Fargo Stock Comparison

Company Profile

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

Price Performance

Cumulative Growth

Trailing Returns

Calendar-Year Returns

Performance Metrics

Risk Profile

Drawdown History

Return Distribution

Risk Metrics

Wells Fargo (WFC) is heavily traded at around 14.10M 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 UMB Financial (UMBF) at 13.50% and Wells Fargo (WFC) at 12.91% 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 Wells Fargo (WFC) at 27.64%, which keeps about the industry-typical share.

Neither side reports a meaningful operating margin: for UMB Financial (UMBF) in Banks and Wells Fargo (WFC) 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 Wells Fargo (WFC) at 1.70% falls into the bottom quartile — a wide split in revenue momentum.

Wells Fargo (WFC) at 16.57% 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 Wells Fargo (WFC) 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 Wells Fargo (WFC) 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 UMB Financial (UMBF) at 1.33% and Wells Fargo (WFC) at 2.19% pay solid, industry-typical yields, sitting squarely within their peers’ usual range.

Wells Fargo (WFC) at 26.09% 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 Wells Fargo (WFC) at 11.84 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 Wells Fargo (WFC) 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 is valued about in line with its industry on P/B ratio, while Wells Fargo (WFC) at 1.59 carries an above-peer premium to book — WFC is pricier on assets.

Valuation Metrics