Berkshire Hills [BHLB] vs UMB Financial [UMBF] Detailed Stock Comparison
TLDR: Quick Comparison Summary
Based on 19 vital metrics comparison: Berkshire Hills Bancorp Inc wins in 6 metrics, UMB Financial Corporation wins in 12 metrics, with 1 ties. UMB Financial Corporation appears stronger overall.
View Metrics Details
Vital Metrics Comparison
| Metric | Berkshire Hills Bancorp Inc | UMB Financial Corporation | Better |
|---|---|---|---|
| P/E Ratio (TTM) | 10.21 | 13.16 | Berkshire Hills Bancorp Inc |
| Price-to-Book Ratio | 0.98 | 1.25 | Berkshire Hills Bancorp Inc |
| Debt-to-Equity Ratio | 0.52 | 0.52 | Tie |
| PEG Ratio | 0.65 | 1.08 | Berkshire Hills Bancorp Inc |
| Profit Margin (TTM) | 25.80% | 28.12% | UMB Financial Corporation |
| Operating Margin (TTM) | 41.76% | 42.96% | UMB Financial Corporation |
| EBITDA Margin (TTM) | 41.76% | 42.96% | UMB Financial Corporation |
| Return on Equity | 10.13% | 12.59% | UMB Financial Corporation |
| Return on Assets (TTM) | 0.93% | 1.14% | UMB Financial Corporation |
| Free Cash Flow (TTM) | $120.64M | $978.11M | UMB Financial Corporation |
| Dividend Yield | 3.01% | 1.62% | Berkshire Hills Bancorp Inc |
| 1-Year Return | -9.50% | 27.29% | UMB Financial Corporation |
| Price-to-Sales Ratio (TTM) | 5.02 | 3.72 | UMB Financial Corporation |
| Enterprise Value | $1.04B | $10.79B | UMB Financial Corporation |
| EV/Revenue Ratio | 2.37 | 4.32 | Berkshire Hills Bancorp Inc |
| Revenue per Share (TTM) | $10 | $34 | UMB Financial Corporation |
| Earnings per Share (Diluted) | $2.56 | $9.28 | UMB Financial Corporation |
| Beta (Stock Volatility) | 0.66 | 0.77 | Berkshire Hills Bancorp Inc |
| Short % of Float | 9.88% | 4.38% | UMB Financial Corporation |
Berkshire Hills Bancorp Inc vs UMB Financial Corporation Stock Performance Analysis
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Performance Comparison
Short-term Returns
| Stock | 1D | 1W | 1M | 3M | 6M | YTD |
|---|---|---|---|---|---|---|
| Berkshire Hills Bancorp Inc | -0.04% | -4.24% | -9.03% | -3.93% | 2.54% | 2.54% |
| UMB Financial Corporation | 1.86% | -4.11% | -2.36% | 7.31% | 9.87% | 8.47% |
Long-term Returns
| Stock | 1Y | 3Y | 5Y | 10Y | 15Y | 20Y |
|---|---|---|---|---|---|---|
| Berkshire Hills Bancorp Inc | -9.50% | -11.39% | 127.14% | -10.17% | 27.25% | -28.85% |
| UMB Financial Corporation | 27.29% | 106.38% | 35.12% | 128.00% | 214.09% | 294.29% |
Performance & Financial Health Analysis: Berkshire Hills Bancorp Inc vs UMB Financial Corporation
| Metric | BHLB | UMBF |
|---|---|---|
| Market Information | ||
| Market Cap | $2.04B | $9.31B |
| Market Cap Category | Mid cap | Mid cap |
| 10 Day Avg. Volume | 979,837 | 444,191 |
| 90 Day Avg. Volume | 784,475 | 538,064 |
| Last Close | $24.19 | $128.70 |
| 52 Week Range | $22.27 - $32.36 | $98.16 - $136.11 |
| % from 52W High | -25.25% | -5.44% |
| All-Time High | $44.25 (Jul 16, 2018) | $136.11 (Feb 06, 2026) |
| % from All-Time High | -45.33% | -5.44% |
| Growth Metrics | ||
| Quarterly Revenue Growth | 0.07% | 0.68% |
| Quarterly Earnings Growth | 0.26% | 0.80% |
| Financial Health | ||
| Profit Margin (TTM) | 0.26% | 0.28% |
| Operating Margin (TTM) | 0.42% | 0.43% |
| Return on Equity (TTM) | 0.10% | 0.13% |
| Debt to Equity (MRQ) | 0.52 | 0.52 |
| Cash & Liquidity | ||
| Book Value per Share (MRQ) | $26.79 | $97.41 |
| Cash per Share (MRQ) | $17.67 | $38.42 |
| Operating Cash Flow (TTM) | $145.37M | $1.03B |
| Levered Free Cash Flow (TTM) | $61.00M | $684.62M |
| Dividends | ||
| Last 12-Month Dividend Yield | 3.01% | 1.62% |
| Last 12-Month Dividend | $0.72 | $2.06 |
Valuation & Enterprise Metrics Analysis: Berkshire Hills Bancorp Inc vs UMB Financial Corporation
| Metric | BHLB (Oct 15, 2025) | UMBF (Apr 26, 2026) |
|---|---|---|
| Price Ratios | ||
| P/E Ratio (TTM) | 10.21 | 13.16 |
| Forward P/E | 10.80 | 9.26 |
| PEG Ratio | 0.65 | 1.08 |
| Price to Sales (TTM) | 5.02 | 3.72 |
| Price to Book (MRQ) | 0.98 | 1.25 |
| Market Capitalization | ||
| Market Capitalization | $2.04B | $9.31B |
| Enterprise Value | $1.04B | $10.79B |
| Enterprise Value Metrics | ||
| Enterprise to Revenue | 2.37 | 4.32 |
| Enterprise to EBITDA | N/A | N/A |
| Risk & Other Metrics | ||
| Beta | 0.66 | 0.77 |
| Book Value per Share (MRQ) | $26.79 | $97.41 |
Financial Statements Comparison: Berkshire Hills Bancorp Inc vs UMB Financial Corporation
Financial Metrics
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Revenue
Operating Margin
Profit Margin
Long Term Debt
Income Flow Analysis
Financial Statements Comparison
Income Statement
| Metric | BHLB (2024) | UMBF (2025) |
|---|---|---|
| Revenue/Sales | 383.76M | 2.43B |
| Cost of Goods Sold | N/A | N/A |
| COGS % of Revenue | 0.0% | 0.0% |
| Gross Profit | N/A | N/A |
| Gross Margin | 0.0% | 0.0% |
| Research & Development | N/A | N/A |
| Operating Income (EBIT) | N/A | N/A |
| Operating Margin | 0.0% | 0.0% |
| EBITDA | N/A | N/A |
| EBITDA Margin | 0.0% | 0.0% |
| Pre-Tax Income | 79.52M | 874.96M |
| Pre-Tax Income % of Revenue | 20.7% | 36.0% |
| Income Tax | 18.51M | 172.56M |
| Income Tax % of Revenue | 4.8% | 7.1% |
| Net Income (Profit) | 61.00M | 702.40M |
| Profit Margin | 15.9% | 28.9% |
Balance Sheet & Liquidity Metrics
| Metric | BHLB (2024) | UMBF (2025) |
|---|---|---|
| Cash & Equivalents | 1.13B | 7.89B |
| Total Current Assets | N/A | N/A |
| Total Current Assets % of Revenue | 0.0% | 0.0% |
| Total Current Liabilities | N/A | N/A |
| Total Current Liabilities % of Revenue | 0.0% | 0.0% |
| Long-Term Debt | 391.47M | 254.20M |
| Long-Term Debt % of Revenue | 102.0% | 10.5% |
| Total Shareholders Equity | 1.17B | 7.69B |
| Retained Earnings | -3.08M | 3.74B |
| Retained Earnings % of Revenue | -0.8% | 153.8% |
| Property, Plant & Equipment | 50.20M | 217.48M |
Cash Flow Statement Comparison
| Metric | BHLB (2024) | UMBF (2025) |
|---|---|---|
| Operating Cash Flow | 80.23M | 1.02B |
| Operating Cash Flow % of Revenue | 20.9% | 42.1% |
| Capital Expenditures | -4.57M | -48.58M |
| Free Cash Flow | 120.64M | 978.11M |
| FCF Margin | 31.4% | 40.3% |
| Debt Repayment | -1.28B | -200.00M |
| Common Stock Repurchase | -17.54M | -132.63M |
Short Interest & Institutional Ownership Analysis
| Metric | BHLB | UMBF |
|---|---|---|
| Shares Short | 3.42M | 2.81M |
| Short Ratio | 7.86 | 5.05 |
| Short % of Float | 9.88% | 4.38% |
| Shares Outstanding | 46.42M | 75.96M |
| Float Shares | 45.19M | 72.43M |
| % Held by Insiders | 0.97% | 5.29% |
| % Held by Institutions | 98.62% | 95.31% |
| % Held by Public | 0.41% | -0.60% |
Dividend Analysis & Yield Comparison: Berkshire Hills Bancorp Inc vs UMB Financial Corporation
| Metric | BHLB | UMBF |
|---|---|---|
| Last 12-Month Dividend | $0.72 | $2.06 |
| Last 12-Month Dividend Yield | 3.01% | 1.62% |
| 3-Year Avg Annual Dividend | $0.58 | $1.72 |
| 3-Year Avg Dividend Yield | 0.69% | 0.44% |
| 3-Year Total Dividends | $1.74 | $5.16 |
| Ex-Dividend Date | Feb 20, 2025 | Mar 10, 2026 |