UMBF PEER ANALYSIS

UMB Financial Corporation — metric-by-metric comparison with peers and the industry median

UMBFUMB Financial Corporation

🇺🇸 USA · NASDAQ · Financial Services · Banks - Regional

Value it Duel

Overall Profile & Returns

· Banks - Regional

Position Within Industry

0 = weak quartile, 100 = strong quartile

UMBFIndustry median

Scores normalize each metric against industry quartiles (p25–p75); direction is inverted for lower-is-better metrics.

Return Comparison

1-Year

Split-adjusted

Year-to-Date (YTD)

Key Metric Comparison

P/E

Lower is better

ROE

Higher is better

Net Margin

Higher is better

Revenue Growth

Higher is better

All Metrics

Valuation
Metric	UMBF	GARAN	UNI	AKBNK	ISCTR	BKT	Ind. Median
P/E	12.29	4.76●	12.78	6.10	4.79	12.53	12.58
P/B	1.39	1.25	1.15	1.26	0.86●	2.14	1.26
EV/EBITDA	12.99	-0.02	12.16	-1.69	-16.91●	3.64	9.12
P/S	—	—	—	—	—	—	—

Financial Health
Metric	UMBF	GARAN	UNI	AKBNK	ISCTR	BKT	Ind. Median
Current Ratio	0.21●	—	0.07	—	—	0.16	0.31
Debt/Equity	51.5%	0.0%●	126.7%	0.0%●	0.0%●	153.4%	38.0%
NetDebt/EBITDA	3.03	-4.60	3.46	-7.12	-28.33●	-4.70	-0.58

Profitability
Metric	UMBF	GARAN	UNI	AKBNK	ISCTR	BKT	Ind. Median
Net Margin	19.8%	31.2%●	22.8%	27.4%	28.1%	23.8%	20.6%
ROE	12.1%	30.0%●	9.2%	23.0%	20.2%	17.7%	10.9%
ROA	1.2%	3.4%●	0.6%	2.0%	1.8%	0.9%	1.2%
EBITDA Margin	—	—	—	—	—	—	20.4%

Growth + Dividend
Metric	UMBF	GARAN	UNI	AKBNK	ISCTR	BKT	Ind. Median
Rev. Growth	—	—	—	—	—	—	—
NI Growth	114.0%●	24.7%	2.3%	46.1%	71.8%	8.6%	19.4%
Div. Yield	1.1%	—	—	—	—	3.0%●	2.5%
Payout	16.4%	—	—	—	—	—	31.4%

Valuation
Metric	UMBF	WTFC	BPOP	ZION	ONB	SSB	Ind. Median
P/E	12.29	12.51	11.97	10.49	13.17	10.32●	12.58
P/B	1.39	1.46	1.71	1.38	1.17	1.07●	1.26
EV/EBITDA	12.99	0.75	-13.15●	-6.65	13.87	2.88	9.12
P/S	—	—	—	—	—	—	—

Financial Health
Metric	UMBF	WTFC	BPOP	ZION	ONB	SSB	Ind. Median
Current Ratio	0.21	0.27	0.39	0.28	0.04	11.08●	0.31
Debt/Equity	51.5%	58.9%	20.0%	32.1%	91.9%	14.8%●	38.0%
NetDebt/EBITDA	3.03	-7.65	-22.79●	-14.15	4.90	-4.30	-0.58

Profitability
Metric	UMBF	WTFC	BPOP	ZION	ONB	SSB	Ind. Median
Net Margin	19.8%	20.1%	20.4%	19.5%	19.0%	24.7%●	20.6%
ROE	12.1%	12.3%	14.9%●	14.1%	10.1%	10.6%	10.9%
ROA	1.2%	1.2%	1.2%	1.1%	1.2%	1.4%●	1.2%
EBITDA Margin	—	—	—	—	—	—	20.4%

Growth + Dividend
Metric	UMBF	WTFC	BPOP	ZION	ONB	SSB	Ind. Median
Rev. Growth	—	—	—	—	—	—	—
NI Growth	114.0%●	23.7%	30.9%	20.1%	34.5%	83.8%	19.4%
Div. Yield	1.1%	1.3%	1.8%	2.5%●	2.2%	2.3%	2.5%
Payout	16.4%	20.2%	21.9%	28.0%	31.2%	25.2%	31.4%

The green dot marks the best value in the group given the metric direction (higher/lower is better). All metrics use trailing-twelve-month (TTM) data.

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Data on this page refreshes once per day. Price data as of Jul 8, 26. This content is for informational purposes only and is not investment advice.