UMB Financial [UMBF] vs PNC Financial [PNC] Detailed Stock Comparison

UMB Financial Corporation

NASDAQ
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PNC Financial Services Group, Inc.

NYSE
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TLDR: Quick Comparison Summary

Based on 19 vital metrics comparison: UMB Financial Corporation wins in 9 metrics, PNC Financial Services Group, Inc. wins in 10 metrics, with 0 ties. PNC Financial Services Group, Inc. appears stronger overall.

View Metrics Details

Vital Metrics Comparison

Metric UMB Financial Corporation PNC Financial Services Group, Inc. Better
P/E Ratio (TTM) 13.16 12.56 PNC Financial Services Group, Inc.
Price-to-Book Ratio 1.25 1.39 UMB Financial Corporation
Debt-to-Equity Ratio 0.52 1.12 UMB Financial Corporation
PEG Ratio 1.08 11.84 UMB Financial Corporation
Profit Margin (TTM) 28.12% 28.75% PNC Financial Services Group, Inc.
Operating Margin (TTM) 42.96% 35.28% UMB Financial Corporation
EBITDA Margin (TTM) 42.96% 35.28% UMB Financial Corporation
Return on Equity 12.59% 11.33% UMB Financial Corporation
Return on Assets (TTM) 1.14% 1.09% UMB Financial Corporation
Free Cash Flow (TTM) $978.11M $7.88B PNC Financial Services Group, Inc.
Dividend Yield 1.62% 3.02% PNC Financial Services Group, Inc.
1-Year Return 34.43% 37.08% PNC Financial Services Group, Inc.
Price-to-Sales Ratio (TTM) 3.72 3.35 PNC Financial Services Group, Inc.
Enterprise Value $10.79B $128.31B PNC Financial Services Group, Inc.
EV/Revenue Ratio 4.32 6.11 UMB Financial Corporation
Revenue per Share (TTM) $34 $53 PNC Financial Services Group, Inc.
Earnings per Share (Diluted) $9.28 $14.15 PNC Financial Services Group, Inc.
Beta (Stock Volatility) 0.77 1.07 UMB Financial Corporation
Short % of Float 4.38% 1.26% PNC Financial Services Group, Inc.

UMB Financial Corporation vs PNC Financial Services Group, Inc. Stock Performance Analysis

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UMBF
PNC

Performance Comparison

Short-term Returns

Stock1D1W1M3M6MYTD
UMB Financial Corporation-0.84%3.97%7.69%20.96%12.69%15.24%
PNC Financial Services Group, Inc.-2.99%1.51%8.33%14.85%9.33%9.03%

Long-term Returns

Stock1Y3Y5Y10Y15Y20Y
UMB Financial Corporation34.43%114.33%52.84%149.30%230.01%305.18%
PNC Financial Services Group, Inc.37.08%84.99%33.27%184.01%311.25%243.09%

Performance & Financial Health Analysis: UMB Financial Corporation vs PNC Financial Services Group, Inc.

MetricUMBFPNC
Market Information
Market Cap i$9.31B$70.31B
Market Cap CategoryMid capLarge cap
10 Day Avg. Volume i444,1911,904,080
90 Day Avg. Volume i538,0641,960,760
Last Close$134.23$230.56
52 Week Range$98.16 - $137.56$172.88 - $243.94
% from 52W High-2.42%-5.48%
All-Time High$137.56 (Jun 15, 2026)$243.94 (Feb 06, 2026)
% from All-Time High-2.42%-5.48%
Growth Metrics
Quarterly Revenue Growth0.68%0.05%
Quarterly Earnings Growth0.80%0.11%
Financial Health
Profit Margin (TTM) i0.28%0.29%
Operating Margin (TTM) i0.43%0.35%
Return on Equity (TTM) i0.13%0.11%
Debt to Equity (MRQ) i0.521.12
Cash & Liquidity
Book Value per Share (MRQ)$97.41$127.98
Cash per Share (MRQ)$38.42$27.54
Operating Cash Flow (TTM) i$1.03B$5.61B
Levered Free Cash Flow (TTM) i$684.62M$5.50B
Dividends
Last 12-Month Dividend Yield i1.62%3.02%
Last 12-Month Dividend i$2.06$6.70

Valuation & Enterprise Metrics Analysis: UMB Financial Corporation vs PNC Financial Services Group, Inc.

MetricUMBF (Apr 26, 2026)PNC (Jun 13, 2025)
Price Ratios
P/E Ratio (TTM) i13.1612.56
Forward P/E i9.2611.84
PEG Ratio i1.0811.84
Price to Sales (TTM) i3.723.35
Price to Book (MRQ) i1.251.39
Market Capitalization
Market Capitalization i$9.31B$70.31B
Enterprise Value i$10.79B$128.31B
Enterprise Value Metrics
Enterprise to Revenue i4.326.11
Enterprise to EBITDA iN/AN/A
Risk & Other Metrics
Beta i0.771.07
Book Value per Share (MRQ) i$97.41$127.98

Financial Statements Comparison: UMB Financial Corporation vs PNC Financial Services Group, Inc.

Financial Metrics

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Revenue

Operating Margin

Profit Margin

Long Term Debt

Income Flow Analysis

Financial Statements Comparison

Income Statement

MetricUMBF (2025)PNC (2024)
Revenue/Sales i2.43B20.81B
Cost of Goods Sold iN/AN/A
COGS % of Revenue i0.0%0.0%
Gross Profit iN/AN/A
Gross Margin i0.0%0.0%
Research & Development iN/AN/A
Operating Income (EBIT) iN/AN/A
Operating Margin i0.0%0.0%
EBITDA iN/AN/A
EBITDA Margin i0.0%0.0%
Pre-Tax Income i874.96M7.24B
Pre-Tax Income % of Revenue i36.0%34.8%
Income Tax i172.56M1.29B
Income Tax % of Revenue i7.1%6.2%
Net Income (Profit) i702.40M5.95B
Profit Margin i28.9%28.6%

Balance Sheet & Liquidity Metrics

MetricUMBF (2025)PNC (2024)
Cash & Equivalents i7.89B46.25B
Total Current Assets iN/AN/A
Total Current Assets % of Revenue i0.0%0.0%
Total Current Liabilities iN/AN/A
Total Current Liabilities % of Revenue i0.0%0.0%
Long-Term Debt i254.20M61.67B
Long-Term Debt % of Revenue i10.5%296.4%
Total Shareholders Equity i7.69B54.47B
Retained Earnings i3.74B59.28B
Retained Earnings % of Revenue i153.8%284.9%
Property, Plant & Equipment i217.48MN/A

Cash Flow Statement Comparison

MetricUMBF (2025)PNC (2024)
Operating Cash Flow i1.02B7.96B
Operating Cash Flow % of Revenue i42.1%38.3%
Capital Expenditures i-48.58MN/A
Free Cash Flow i978.11M7.88B
FCF Margin i40.3%37.9%
Debt Repayment i-200.00M-23.75B
Common Stock Repurchase i-132.63M-1.19B

Short Interest & Institutional Ownership Analysis

MetricUMBFPNC
Shares Short i2.81M4.98M
Short Ratio i5.052.41
Short % of Float i4.38%1.26%
Shares Outstanding i75.96M395.94M
Float Shares i72.43M392.38M
% Held by Insiders i5.29%0.38%
% Held by Institutions i95.31%85.29%
% Held by Public i-0.60%14.33%

Dividend Analysis & Yield Comparison: UMB Financial Corporation vs PNC Financial Services Group, Inc.

MetricUMBFPNC
Last 12-Month Dividend i$2.06$6.70
Last 12-Month Dividend Yield i1.62%3.02%
3-Year Avg Annual Dividend i$1.72$6.40
3-Year Avg Dividend Yield i0.44%1.00%
3-Year Total Dividends i$5.16$19.20
Ex-Dividend DateMar 10, 2026Jan 20, 2026