UMB Financial [UMBF] vs Western Alliance [WAL] Detailed Stock Comparison
UMB Financial
NASDAQ
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Western Alliance
NYSE
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TLDR: Quick Comparison Summary
Based on 18 vital metrics comparison: UMB Financial wins in 11 metrics, Western Alliance wins in 7 metrics, with 0 ties. UMB Financial appears stronger overall.
View Metrics Details
Vital Metrics Comparison
| Metric | UMB Financial | Western Alliance | Better |
|---|---|---|---|
| P/E Ratio (TTM) | 13.53 | 11.40 | Western Alliance |
| Price-to-Book Ratio | 1.32 | 1.39 | UMB Financial |
| Debt-to-Equity Ratio | 0.51 | 0.93 | UMB Financial |
| PEG Ratio | 0.37 | 0.60 | UMB Financial |
| Profit Margin (TTM) | 27.11% | 27.12% | Western Alliance |
| Operating Margin (TTM) | 46.33% | 40.78% | UMB Financial |
| EBITDA Margin (TTM) | 46.33% | 40.78% | UMB Financial |
| Return on Equity | 10.05% | 12.42% | Western Alliance |
| Return on Assets (TTM) | 0.91% | 1.02% | Western Alliance |
| Free Cash Flow (TTM) | $201.08M | $-2.83B | UMB Financial |
| Dividend Yield | 1.81% | 1.56% | UMB Financial |
| 1-Year Return | 8.62% | -3.03% | UMB Financial |
| Price-to-Sales Ratio (TTM) | 4.65 | 3.07 | Western Alliance |
| Enterprise Value | $10.94B | $13.75B | Western Alliance |
| EV/Revenue Ratio | 5.61 | 4.41 | Western Alliance |
| Revenue per Share (TTM) | $33 | $29 | UMB Financial |
| Earnings per Share (Diluted) | $8.83 | $7.61 | UMB Financial |
| Beta (Stock Volatility) | 0.74 | 1.34 | UMB Financial |
Performance
News Sentiment
Key Stats
Valuation
Financials
Short Interest
Dividends
UMB Financial vs Western Alliance Stock Performance Analysis
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Performance Comparison
Short-term Returns
| Stock | 1D | 1W | 1M | 3M | 6M | YTD |
|---|---|---|---|---|---|---|
| UMB Financial | -1.33% | 0.03% | -5.73% | 8.65% | 36.69% | 5.90% |
| Western Alliance | -1.62% | -0.83% | -3.73% | 2.75% | 38.35% | 3.74% |
Long-term Returns
| Stock | 1Y | 3Y | 5Y | 10Y | 15Y | 20Y |
|---|---|---|---|---|---|---|
| UMB Financial | 8.62% | 33.91% | 111.71% | 132.91% | 234.53% | 270.32% |
| Western Alliance | -3.03% | 34.80% | 129.27% | 150.15% | 1,256.47% | 241.95% |
News Based Sentiment: UMB Financial vs Western Alliance
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.
Western Alliance
News based Sentiment: MIXED
October presented a mixed bag for Western Alliance, with bullish analyst upgrades from JPMorgan and DA Davidson countered by a downgrade from Wells Fargo and concerns about valuation. The strategic expansion into California and growing institutional interest add complexity, making the upcoming earnings release a critical event for investors.
Performance & Financial Health Analysis: UMB Financial vs Western Alliance
| Metric | UMBF | WAL |
|---|---|---|
| Market Information | ||
| Market Cap | $9.16B | $9.83B |
| Market Cap Category | Mid cap | Mid cap |
| 10 Day Avg. Volume | 395,660 | 855,060 |
| 90 Day Avg. Volume | 492,787 | 1,111,077 |
| Last Close | $118.39 | $86.00 |
| 52 Week Range | $82.00 - $129.94 | $57.05 - $98.10 |
| % from 52W High | -8.89% | -12.33% |
| All-Time High | $129.94 (Nov 25, 2024) | $124.93 (Jan 10, 2022) |
| % from All-Time High | -8.89% | -31.16% |
| Growth Metrics | ||
| Quarterly Revenue Growth | 0.78% | 0.10% |
| Quarterly Earnings Growth | 1.15% | 0.19% |
| Financial Health | ||
| Profit Margin (TTM) | 0.27% | 0.27% |
| Operating Margin (TTM) | 0.46% | 0.41% |
| Return on Equity (TTM) | 0.10% | 0.12% |
| Debt to Equity (MRQ) | 0.51 | 0.93 |
| Cash & Liquidity | ||
| Book Value per Share (MRQ) | $90.63 | $62.57 |
| Cash per Share (MRQ) | $29.90 | $29.45 |
| Operating Cash Flow (TTM) | $705.18M | $-3,701,400,064 |
| Levered Free Cash Flow (TTM) | $441.24M | $774.90M |
| Dividends | ||
| Last 12-Month Dividend Yield | 1.81% | 1.56% |
| Last 12-Month Dividend | $1.99 | $1.13 |
Valuation & Enterprise Metrics Analysis: UMB Financial vs Western Alliance
| Metric | UMBF | WAL |
|---|---|---|
| Price Ratios | ||
| P/E Ratio (TTM) | 13.53 | 11.40 |
| Forward P/E | 12.95 | 9.65 |
| PEG Ratio | 0.37 | 0.60 |
| Price to Sales (TTM) | 4.65 | 3.07 |
| Price to Book (MRQ) | 1.32 | 1.39 |
| Market Capitalization | ||
| Market Capitalization | $9.16B | $9.83B |
| Enterprise Value | $10.94B | $13.75B |
| Enterprise Value Metrics | ||
| Enterprise to Revenue | 5.61 | 4.41 |
| Enterprise to EBITDA | N/A | N/A |
| Risk & Other Metrics | ||
| Beta | 0.74 | 1.34 |
| Book Value per Share (MRQ) | $90.63 | $62.57 |
Financial Statements Comparison: UMB Financial vs Western Alliance
Financial Metrics
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Revenue
EBITDA
Operating Margin
Free Cash Flow
Long Term Debt
Profit Margin
Current Ratio
Operating Cash Flow
Income Statement (MRQ)
| Metric (MRQ) | UMBF | WAL |
|---|---|---|
| Revenue/Sales | $510.19M | $825.80M |
| 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 | $291.30M |
| Income Tax | $11.72M | $53.50M |
| Net Income (Profit) | $81.33M | $237.80M |
Balance Sheet & Liquidity Metrics (MRQ)
| Metric (MRQ) | UMBF | WAL |
|---|---|---|
| Cash & Equivalents | $10.73B | $3.28B |
| Total Current Assets | N/A | N/A |
| Total Current Liabilities | N/A | N/A |
| Long-Term Debt | $654.38M | $2.67B |
| Total Shareholders Equity | $6.75B | $7.22B |
| Retained Earnings | $3.22B | $4.98B |
| Property, Plant & Equipment | N/A | $486.00M |
Cash Flow Statement Comparison (MRQ)
| Metric (MRQ) | UMBF | WAL |
|---|---|---|
| Operating Cash Flow | $360.37M | $-1.64B |
| Capital Expenditures | $-8.59M | $-16.60M |
| Free Cash Flow | $354.20M | $-1.67B |
| Debt Repayment | $-11.06M | $-2.01B |
| Common Stock Repurchase | $-15.43M | N/A |
Short Interest & Institutional Ownership Analysis
| Metric | UMBF | WAL |
|---|---|---|
| Shares Short | 2.26M | 5.20M |
| Short Ratio | 4.44 | 5.12 |
| Short % of Float | 0.04% | 0.05% |
| Average Daily Volume (10 Day) | 395,660 | 855,060 |
| Average Daily Volume (90 Day) | 492,787 | 1,111,077 |
| Shares Outstanding | 48.81M | 110.05M |
| Float Shares | 72.88M | 103.16M |
| % Held by Insiders | 0.05% | 0.03% |
| % Held by Institutions | 0.93% | 0.90% |
Dividend Analysis & Yield Comparison: UMB Financial vs Western Alliance
| Metric | UMBF | WAL |
|---|---|---|
| Last 12-Month Dividend | $1.99 | $1.13 |
| Last 12-Month Dividend Yield | 1.81% | 1.56% |
| 3-Year Avg Annual Dividend | $1.68 | $1.35 |
| 3-Year Avg Dividend Yield | 0.45% | 0.61% |
| 3-Year Total Dividends | $5.05 | $4.04 |
| Ex-Dividend Date | Sep 10, 2025 | Feb 14, 2025 |