UMB Financial [UMBF] vs U.S. Bancorp [USB] Detailed Stock Comparison

UMB Financial

NASDAQ
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U.S. Bancorp

NYSE
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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

MetricUMB FinancialU.S. BancorpBetter
P/E Ratio (TTM)13.5311.50U.S. Bancorp
Price-to-Book Ratio1.321.37UMB Financial
Debt-to-Equity Ratio0.511.34UMB Financial
PEG Ratio0.370.80UMB 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 Equity10.05%11.67%U.S. Bancorp
Return on Assets (TTM)0.91%1.01%U.S. Bancorp
Free Cash Flow (TTM)$201.08M$11.27BU.S. Bancorp
Dividend Yield1.81%4.60%U.S. Bancorp
1-Year Return8.62%2.68%UMB Financial
Price-to-Sales Ratio (TTM)4.652.93U.S. Bancorp
Enterprise Value$10.94B$102.84BU.S. Bancorp
EV/Revenue Ratio5.614.02U.S. Bancorp
Revenue per Share (TTM)$33$16UMB Financial
Earnings per Share (Diluted)$8.83$4.18UMB Financial
Beta (Stock Volatility)0.741.08UMB Financial
Performance
News Sentiment
Key Stats
Valuation
Financials
Short Interest
Dividends

UMB Financial vs U.S. Bancorp Stock Performance Analysis

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UMB Financial
U.S. Bancorp
UMB Financial Stock Overview | U.S. Bancorp Stock Overview

Performance Comparison

Short-term Returns

Stock1D1W1M3M6MYTD
UMB Financial-1.33%0.03%-5.73%8.65%36.69%5.90%
U.S. Bancorp-0.46%-1.72%-2.36%-0.59%29.08%-0.75%

Long-term Returns

Stock1Y3Y5Y10Y15Y20Y
UMB Financial8.62%33.91%111.71%132.91%234.53%270.32%
U.S. Bancorp2.68%11.09%21.36%16.51%110.74%69.89%

News Based Sentiment: UMB Financial vs U.S. Bancorp

UMB Financial

News based Sentiment: POSITIVE

UMB Financial experienced a remarkably strong month driven by exceptional Q2 earnings that significantly exceeded expectations. This positive performance fueled analyst upgrades, increased price targets, and a generally optimistic outlook, making it a significant positive development for investors. While insider selling is a minor concern, the overall narrative is strongly positive.

View UMB Financial News Sentiment Analysis

U.S. Bancorp

News based Sentiment: MIXED

October saw U.S. Bancorp maintaining a generally positive outlook with a dividend increase and a 'Buy' rating from Wells Fargo. However, this was tempered by institutional selling and insider transactions, creating a mixed investment narrative. The upcoming earnings release will be key to resolving this ambiguity.

View U.S. Bancorp News Sentiment Analysis

Performance & Financial Health Analysis: UMB Financial vs U.S. Bancorp

MetricUMBFUSB
Market Information
Market Cap i$9.16B$77.24B
Market Cap CategoryMid capLarge cap
10 Day Avg. Volume i395,6608,651,060
90 Day Avg. Volume i492,7879,873,513
Last Close$118.39$47.50
52 Week Range$82.00 - $129.94$35.18 - $53.98
% from 52W High-8.89%-12.00%
All-Time High$129.94 (Nov 25, 2024)$63.57 (Jan 10, 2022)
% from All-Time High-8.89%-25.28%
Growth Metrics
Quarterly Revenue Growth0.78%0.03%
Quarterly Earnings Growth1.15%0.13%
Financial Health
Profit Margin (TTM) i0.27%0.27%
Operating Margin (TTM) i0.46%0.37%
Return on Equity (TTM) i0.10%0.12%
Debt to Equity (MRQ) i0.511.34
Cash & Liquidity
Book Value per Share (MRQ)$90.63$35.02
Cash per Share (MRQ)$29.90$39.85
Operating Cash Flow (TTM) i$705.18M$7.48B
Levered Free Cash Flow (TTM) i$441.24M$5.91B
Dividends
Last 12-Month Dividend Yield i1.81%4.60%
Last 12-Month Dividend i$1.99$1.99

Valuation & Enterprise Metrics Analysis: UMB Financial vs U.S. Bancorp

MetricUMBFUSB
Price Ratios
P/E Ratio (TTM) i13.5311.50
Forward P/E i12.9511.10
PEG Ratio i0.370.80
Price to Sales (TTM) i4.652.93
Price to Book (MRQ) i1.321.37
Market Capitalization
Market Capitalization i$9.16B$77.24B
Enterprise Value i$10.94B$102.84B
Enterprise Value Metrics
Enterprise to Revenue i5.614.02
Enterprise to EBITDA iN/AN/A
Risk & Other Metrics
Beta i0.741.08
Book Value per Share (MRQ) i$90.63$35.02

Financial Statements Comparison: UMB Financial vs U.S. Bancorp

Financial Metrics

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Revenue

EBITDA

Shareholders Equity

Operating Margin

Free Cash Flow

Long Term Debt

Profit Margin

Current Ratio

Operating Cash Flow

Income Statement (MRQ)

Metric (MRQ)UMBFUSB
Revenue/Sales i$510.19M$6.93B
Cost of Goods Sold iN/AN/A
Gross Profit iN/AN/A
Research & Development iN/AN/A
Operating Income (EBIT) iN/AN/A
EBITDA iN/AN/A
Pre-Tax Income i$93.05M$2.16B
Income Tax i$11.72M$443.00M
Net Income (Profit) i$81.33M$1.72B

Balance Sheet & Liquidity Metrics (MRQ)

Metric (MRQ)UMBFUSB
Cash & Equivalents i$10.73B$50.01B
Total Current Assets iN/AN/A
Total Current Liabilities iN/AN/A
Long-Term Debt i$654.38M$59.86B
Total Shareholders Equity i$6.75B$60.56B
Retained Earnings i$3.22B$77.69B
Property, Plant & Equipment iN/AN/A

Cash Flow Statement Comparison (MRQ)

Metric (MRQ)UMBFUSB
Operating Cash Flow i$360.37M$-750.00M
Capital Expenditures i$-8.59MN/A
Free Cash Flow i$354.20M$-285.00M
Debt Repayment i$-11.06M$-2.10B
Common Stock Repurchase i$-15.43M$-160.00M

Short Interest & Institutional Ownership Analysis

MetricUMBFUSB
Shares Short i2.26M22.01M
Short Ratio i4.442.51
Short % of Float i0.04%0.01%
Average Daily Volume (10 Day) i395,6608,651,060
Average Daily Volume (90 Day) i492,7879,873,513
Shares Outstanding i48.81M1.56B
Float Shares i72.88M1.55B
% Held by Insiders i0.05%0.00%
% Held by Institutions i0.93%0.82%

Dividend Analysis & Yield Comparison: UMB Financial vs U.S. Bancorp

MetricUMBFUSB
Last 12-Month Dividend i$1.99$1.99
Last 12-Month Dividend Yield i1.81%4.60%
3-Year Avg Annual Dividend i$1.68$1.78
3-Year Avg Dividend Yield i0.45%1.19%
3-Year Total Dividends i$5.05$5.35
Ex-Dividend DateSep 10, 2025Mar 31, 2025