UMB Financial [UMBF] vs U.S. Bancorp [USB] Detailed Stock Comparison
UMB Financial
NASDAQ
Loading...
U.S. Bancorp
NYSE
Loading...
TLDR: Quick Comparison Summary
Based on 18 vital metrics comparison: UMB Financial wins in 10 metrics, U.S. Bancorp wins in 8 metrics, with 0 ties. UMB Financial appears stronger overall.
View Metrics Details
Vital Metrics Comparison
| Metric | UMB Financial | U.S. Bancorp | Better |
|---|---|---|---|
| P/E Ratio (TTM) | 13.03 | 11.55 | U.S. Bancorp |
| Price-to-Book Ratio | 1.27 | 1.38 | UMB Financial |
| Debt-to-Equity Ratio | 0.51 | 1.34 | UMB Financial |
| PEG Ratio | 0.36 | 0.80 | UMB Financial |
| Profit Margin (TTM) | 27.11% | 27.00% | UMB Financial |
| Operating Margin (TTM) | 46.33% | 37.33% | UMB Financial |
| EBITDA Margin (TTM) | 46.33% | 37.33% | UMB Financial |
| Return on Equity | 10.05% | 11.67% | U.S. Bancorp |
| Return on Assets (TTM) | 0.91% | 1.01% | U.S. Bancorp |
| Free Cash Flow (TTM) | $201.08M | $11.27B | U.S. Bancorp |
| Dividend Yield | 1.81% | 4.60% | U.S. Bancorp |
| 1-Year Return | 16.82% | 6.37% | UMB Financial |
| Price-to-Sales Ratio (TTM) | 4.49 | 2.94 | U.S. Bancorp |
| Enterprise Value | $10.61B | $103.17B | U.S. Bancorp |
| EV/Revenue Ratio | 5.45 | 4.04 | U.S. Bancorp |
| Revenue per Share (TTM) | $33 | $16 | UMB Financial |
| Earnings per Share (Diluted) | $8.84 | $4.18 | UMB Financial |
| Beta (Stock Volatility) | 0.78 | 1.03 | UMB Financial |
Performance
Key Stats
Valuation
Financials
Short Interest
Dividends
UMB Financial vs U.S. Bancorp Stock Performance Analysis
Loading Price Chart...
Performance Comparison
Short-term Returns
| Stock | 1D | 1W | 1M | 3M | 6M | YTD |
|---|---|---|---|---|---|---|
| UMB Financial | 5.56% | 5.65% | 11.90% | 19.04% | 13.97% | 8.76% |
| U.S. Bancorp | 4.57% | 5.07% | 4.55% | 11.92% | 5.81% | 0.84% |
Long-term Returns
| Stock | 1Y | 3Y | 5Y | 10Y | 15Y | 20Y |
|---|---|---|---|---|---|---|
| UMB Financial | 16.82% | 33.31% | 122.53% | 144.84% | 263.17% | 273.89% |
| U.S. Bancorp | 6.37% | 3.85% | 29.78% | 13.36% | 122.90% | 65.85% |
Performance & Financial Health Analysis: UMB Financial vs U.S. Bancorp
| Metric | UMBF | USB |
|---|---|---|
| Market Information | ||
| Market Cap | $8.75B | $75.13B |
| Market Cap Category | Mid cap | Large cap |
| 10 Day Avg. Volume | 498,080 | 7,851,820 |
| 90 Day Avg. Volume | 579,577 | 9,983,033 |
| Last Close | $121.59 | $48.28 |
| 52 Week Range | $82.00 - $129.94 | $35.18 - $53.98 |
| % from 52W High | -6.43% | -10.56% |
| All-Time High | $129.94 (Nov 25, 2024) | $63.57 (Jan 10, 2022) |
| % from All-Time High | -6.43% | -24.05% |
| Growth Metrics | ||
| Quarterly Revenue Growth | 0.78% | 0.03% |
| Quarterly Earnings Growth | 1.15% | 0.13% |
| Financial Health | ||
| Profit Margin (TTM) | 0.27% | 0.27% |
| Operating Margin (TTM) | 0.46% | 0.37% |
| Return on Equity (TTM) | 0.10% | 0.12% |
| Debt to Equity (MRQ) | 0.51 | 1.34 |
| Cash & Liquidity | ||
| Book Value per Share (MRQ) | $90.63 | $35.02 |
| Cash per Share (MRQ) | $29.90 | $39.85 |
| Operating Cash Flow (TTM) | $705.18M | $7.48B |
| Levered Free Cash Flow (TTM) | $441.24M | $5.91B |
| Dividends | ||
| Last 12-Month Dividend Yield | 1.81% | 4.60% |
| Last 12-Month Dividend | $1.99 | $1.99 |
Valuation & Enterprise Metrics Analysis: UMB Financial vs U.S. Bancorp
| Metric | UMBF | USB |
|---|---|---|
| Price Ratios | ||
| P/E Ratio (TTM) | 13.03 | 11.55 |
| Forward P/E | 12.48 | 11.15 |
| PEG Ratio | 0.36 | 0.80 |
| Price to Sales (TTM) | 4.49 | 2.94 |
| Price to Book (MRQ) | 1.27 | 1.38 |
| Market Capitalization | ||
| Market Capitalization | $8.75B | $75.13B |
| Enterprise Value | $10.61B | $103.17B |
| Enterprise Value Metrics | ||
| Enterprise to Revenue | 5.45 | 4.04 |
| Enterprise to EBITDA | N/A | N/A |
| Risk & Other Metrics | ||
| Beta | 0.78 | 1.03 |
| Book Value per Share (MRQ) | $90.63 | $35.02 |
Financial Statements Comparison: UMB Financial vs U.S. Bancorp
Financial Metrics
Loading Financial Charts...
Revenue
EBITDA
Operating Margin
Free Cash Flow
Long Term Debt
Profit Margin
Current Ratio
Operating Cash Flow
Income Statement (MRQ)
| Metric (MRQ) | UMBF | USB |
|---|---|---|
| Revenue/Sales | $510.19M | $6.93B |
| Cost of Goods Sold | N/A | N/A |
| Gross Profit | N/A | N/A |
| Research & Development | N/A | N/A |
| Operating Income (EBIT) | N/A | N/A |
| EBITDA | N/A | N/A |
| Pre-Tax Income | $93.05M | $2.16B |
| Income Tax | $11.72M | $443.00M |
| Net Income (Profit) | $81.33M | $1.72B |
Balance Sheet & Liquidity Metrics (MRQ)
| Metric (MRQ) | UMBF | USB |
|---|---|---|
| Cash & Equivalents | $10.73B | $50.01B |
| Total Current Assets | N/A | N/A |
| Total Current Liabilities | N/A | N/A |
| Long-Term Debt | $654.38M | $59.86B |
| Total Shareholders Equity | $6.75B | $60.56B |
| Retained Earnings | $3.22B | $77.69B |
| Property, Plant & Equipment | N/A | N/A |
Cash Flow Statement Comparison (MRQ)
| Metric (MRQ) | UMBF | USB |
|---|---|---|
| Operating Cash Flow | $360.37M | $-750.00M |
| Capital Expenditures | $-8.59M | N/A |
| Free Cash Flow | $354.20M | $-285.00M |
| Debt Repayment | $-11.06M | $-2.10B |
| Common Stock Repurchase | $-15.43M | $-160.00M |
Short Interest & Institutional Ownership Analysis
| Metric | UMBF | USB |
|---|---|---|
| Shares Short | 2.11M | 21.33M |
| Short Ratio | 3.76 | 1.70 |
| Short % of Float | 0.03% | 0.01% |
| Average Daily Volume (10 Day) | 498,080 | 7,851,820 |
| Average Daily Volume (90 Day) | 579,577 | 9,983,033 |
| Shares Outstanding | 48.81M | 1.56B |
| Float Shares | 72.84M | 1.55B |
| % Held by Insiders | 0.05% | 0.00% |
| % Held by Institutions | 0.92% | 0.82% |
Dividend Analysis & Yield Comparison: UMB Financial vs U.S. Bancorp
| Metric | UMBF | USB |
|---|---|---|
| Last 12-Month Dividend | $1.99 | $1.99 |
| Last 12-Month Dividend Yield | 1.81% | 4.60% |
| 3-Year Avg Annual Dividend | $1.68 | $1.78 |
| 3-Year Avg Dividend Yield | 0.45% | 1.19% |
| 3-Year Total Dividends | $5.05 | $5.35 |
| Ex-Dividend Date | Sep 10, 2025 | Mar 31, 2025 |