UMBF vs. WTFC: UMB Financial vs. Wintrust Financial Stock Comparison
How do UMB Financial (UMBF) and Wintrust Financial (WTFC) stack up? This page sets them side by side across company profile, performance and risk, profitability, growth, financial strength, dividends, and valuation, with selected fundamentals also measured against each stock's industry-group peers.
Company Profile
UMB Financial (UMBF) and Wintrust Financial (WTFC) are both classified in the Regional Banks sub-industry within the broader Banks industry, placing them in the closest GICS peer bucket.
| Profile Item | UMBF | WTFC |
|---|---|---|
| Name | UMB Financial Corporation | Wintrust Financial Corporation |
| Country/Region | United States | United States |
| GICS Sector | Financials | Financials |
| GICS Industry Group | Banks | Banks |
| GICS Industry | Banks | Banks |
| GICS Sub-Industry | Regional Banks | Regional Banks |
| Market Capitalization | 10.16 billion USD | 10.21 billion USD |
| Currency | USD | USD |
| Exchange | Nasdaq | Nasdaq |
| Listing Date | March 17, 1980 | April 16, 1998 |
| Security Type | Common Stock | Common Stock |
Price Performance
Cumulative Growth
Trailing Returns
Calendar-Year Returns
Performance Metrics
| Metric | UMBF | WTFC |
|---|---|---|
| Total Return (1Y) | 28.13% | 21.25% |
| Total Return (3Y, Annualized) | 29.84% | 28.56% |
| Total Return (5Y, Annualized) | 7.39% | 13.01% |
Risk Profile
Drawdown History
Return Distribution
Risk Metrics
| Metric | UMBF | WTFC |
|---|---|---|
| Volatility (1Y, Annualized) | 24.80% | 23.68% |
| Beta (5Y) | 0.83 | 0.85 |
| Max Drawdown (5Y) | -50.25% | -40.71% |
| Avg. Volume (3M) | 608.54K | 515.90K |
Risk-Adjusted Performance
Risk-Return Positioning
Risk-Adjusted Metrics
| Metric | UMBF | WTFC |
|---|---|---|
| Sharpe Ratio (1Y) | 0.96 | 0.72 |
| Sortino Ratio (1Y) | 1.45 | 1.07 |
Profitability
ROE (TTM)
Both UMB Financial (UMBF) at 13.50% and Wintrust Financial (WTFC) at 12.88% land near their industries’ usual ROE ranges, so capital efficiency looks broadly in line with peers on both sides.
UMBF
Banks industry group
13.50%
- Max
- 19.84%
- Q3
- 13.67%
- UMBF
- 13.50%
- Median
- 11.49%
- Q1
- 9.50%
- Min
- 3.64%
WTFC
Banks industry group
12.88%
- Max
- 19.84%
- Q3
- 13.67%
- WTFC
- 12.88%
- Median
- 11.49%
- Q1
- 9.50%
- Min
- 3.64%
Net Margin (TTM)
UMB Financial (UMBF) at 35.61% retains a top-quartile share of revenue as profit, ahead of Wintrust Financial (WTFC) at 32.81%, which keeps about the industry-typical share.
UMBF
Banks industry group
35.61%
- Max
- 47.19%
- UMBF
- 35.61%
- Q3
- 35.25%
- Median
- 31.21%
- Q1
- 27.11%
- Min
- 14.93%
WTFC
Banks industry group
32.81%
- Max
- 47.19%
- Q3
- 35.25%
- WTFC
- 32.81%
- Median
- 31.21%
- Q1
- 27.11%
- Min
- 14.93%
Operating Margin (TTM)
Neither side reports a meaningful operating margin: for UMB Financial (UMBF) in Banks and Wintrust Financial (WTFC) in Banks, funding costs are part of the core business, so net margin and ROE are the cleaner profitability reads.
Profitability Metrics
| Metric | UMBF | WTFC |
|---|---|---|
| ROE (TTM) | 13.50% | 12.88% |
| ROA (TTM) | 1.43% | 1.27% |
| Net Margin (TTM) | 35.61% | 32.81% |
| Operating Margin (TTM) | -- | -- |
| Gross Margin (TTM) | -- | -- |
Growth
Revenue Growth
UMB Financial (UMBF) at 65.66% clears its industry range for revenue growth, far stronger top-line momentum than Wintrust Financial (WTFC) at 11.23%, which is closer to a typical peer reading.
EPS Growth
Wintrust Financial (WTFC) at 10.57% 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
| Metric | UMBF | WTFC |
|---|---|---|
| Revenue Growth (YoY) | 65.66% | 11.23% |
| Revenue Growth (3Y CAGR) | 21.36% | 11.69% |
| EPS Growth (YoY) | 3.34% | 10.57% |
| EPS Growth (3Y CAGR) | 1.59% | 12.44% |
Financial Strength
Current Ratio (MRQ)
current ratio doesn’t apply on either side: UMB Financial (UMBF) in Banks and Wintrust Financial (WTFC) 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 / Equity (MRQ)
debt-to-equity ratio is set aside for both: UMB Financial (UMBF) in Banks and Wintrust Financial (WTFC) 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
| Metric | UMBF | WTFC |
|---|---|---|
| Current Ratio (MRQ) | -- | -- |
| Debt / Equity (MRQ) | -- | -- |
| Net Debt / EBITDA | -- | -- |
Dividends
Dividend Yield (TTM)
Both UMB Financial (UMBF) at 1.33% and Wintrust Financial (WTFC) at 1.42% pay solid, industry-typical yields, sitting squarely within their peers’ usual range.
UMBF
Banks industry group
1.33%
- Max
- 5.79%
- Q3
- 3.18%
- Median
- 2.39%
- UMBF
- 1.33%
- Q1
- 1.20%
- Min
- 0.00%
WTFC
Banks industry group
1.42%
- Max
- 5.79%
- Q3
- 3.18%
- Median
- 2.39%
- WTFC
- 1.42%
- Q1
- 1.20%
- Min
- 0.00%
Dividend Payout Ratio (TTM)
Both UMB Financial (UMBF) at 13.54% and Wintrust Financial (WTFC) at 16.49% pay out less of their earnings than their industries typically do, keeping retention high — common for businesses prioritizing reinvestment.
UMBF
Banks industry group
13.54%
- Max
- 70.75%
- Q3
- 41.28%
- Median
- 29.26%
- Q1
- 18.98%
- UMBF
- 13.54%
- Min
- 0.00%
WTFC
Banks industry group
16.49%
- Max
- 70.75%
- Q3
- 41.28%
- Median
- 29.26%
- Q1
- 18.98%
- WTFC
- 16.49%
- Min
- 0.00%
Dividend Metrics
| Metric | UMBF | WTFC |
|---|---|---|
| Dividend Yield (TTM) | 1.33% | 1.42% |
| Dividend Payout Ratio (TTM) | 13.54% | 16.49% |
Valuation
P/E Ratio (TTM)
UMB Financial (UMBF) at 10.12 sits in the cheaper P/E ratio quartile, while Wintrust Financial (WTFC) at 11.60 is closer to its industry’s usual earnings multiple — a discount for UMBF, though growth and earnings durability still matter.
UMBF
Banks industry group
10.12
- Max
- 18.16
- Q3
- 13.75
- Median
- 11.81
- Q1
- 10.64
- UMBF
- 10.12
- Min
- 6.49
WTFC
Banks industry group
11.60
- Max
- 18.16
- Q3
- 13.75
- Median
- 11.81
- WTFC
- 11.60
- Q1
- 10.64
- Min
- 6.49
P/S Ratio (TTM)
P/S ratio is set aside for both UMB Financial (UMBF) in Banks and Wintrust Financial (WTFC) 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.
P/B Ratio (MRQ)
On P/B ratio, both UMB Financial (UMBF) at 1.34 and Wintrust Financial (WTFC) at 1.49 are valued close to their industries’ norm against book — neither stands out from peers.
UMBF
Banks industry group
1.34
- Max
- 2.28
- Q3
- 1.58
- UMBF
- 1.34
- Median
- 1.32
- Q1
- 1.10
- Min
- 0.59
WTFC
Banks industry group
1.49
- Max
- 2.28
- Q3
- 1.58
- WTFC
- 1.49
- Median
- 1.32
- Q1
- 1.10
- Min
- 0.59
Valuation Metrics
| Metric | UMBF | WTFC |
|---|---|---|
| P/E Ratio (TTM) | 10.12 | 11.60 |
| P/S Ratio (TTM) | -- | -- |
| P/B Ratio (MRQ) | 1.34 | 1.49 |
| Free Cash Flow Yield (TTM) | -- | -- |