BankUnited [BKU] vs UMB Financial [UMBF] Detailed Stock Comparison
BankUnited
NYSE
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UMB Financial
NASDAQ
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TLDR: Quick Comparison Summary
Based on 18 vital metrics comparison: BankUnited wins in 6 metrics, UMB Financial wins in 12 metrics, with 0 ties. UMB Financial appears stronger overall.
View Metrics Details
Vital Metrics Comparison
| Metric | BankUnited | UMB Financial | Better |
|---|---|---|---|
| P/E Ratio (TTM) | 11.28 | 13.53 | BankUnited |
| Price-to-Book Ratio | 0.98 | 1.32 | BankUnited |
| Debt-to-Equity Ratio | 1.03 | 0.51 | UMB Financial |
| PEG Ratio | 0.43 | 0.37 | UMB Financial |
| Profit Margin (TTM) | 25.81% | 27.11% | UMB Financial |
| Operating Margin (TTM) | 39.07% | 46.33% | UMB Financial |
| EBITDA Margin (TTM) | 39.07% | 46.33% | UMB Financial |
| Return on Equity | 9.13% | 10.05% | UMB Financial |
| Return on Assets (TTM) | 0.73% | 0.91% | UMB Financial |
| Free Cash Flow (TTM) | $433.78M | $201.08M | BankUnited |
| Dividend Yield | 3.50% | 1.81% | BankUnited |
| 1-Year Return | 6.29% | 10.09% | UMB Financial |
| Price-to-Sales Ratio (TTM) | 2.89 | 4.65 | BankUnited |
| Enterprise Value | $5.04B | $10.94B | UMB Financial |
| EV/Revenue Ratio | 5.04 | 5.61 | BankUnited |
| Revenue per Share (TTM) | $14 | $33 | UMB Financial |
| Earnings per Share (Diluted) | $3.40 | $8.83 | UMB Financial |
| Beta (Stock Volatility) | 1.28 | 0.74 | UMB Financial |
Performance
News Sentiment
Key Stats
Valuation
Financials
Short Interest
Dividends
BankUnited vs UMB Financial Stock Performance Analysis
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Performance Comparison
Short-term Returns
| Stock | 1D | 1W | 1M | 3M | 6M | YTD |
|---|---|---|---|---|---|---|
| BankUnited | 2.67% | 1.78% | 0.54% | 4.35% | 30.34% | 2.53% |
| UMB Financial | -1.39% | 1.27% | -4.46% | 10.12% | 38.54% | 7.34% |
Long-term Returns
| Stock | 1Y | 3Y | 5Y | 10Y | 15Y | 20Y |
|---|---|---|---|---|---|---|
| BankUnited | 6.29% | 10.33% | 59.15% | 6.29% | 36.90% | 36.90% |
| UMB Financial | 10.09% | 35.72% | 114.57% | 136.06% | 239.05% | 275.32% |
News Based Sentiment: BankUnited vs UMB Financial
BankUnited
News based Sentiment: MIXED
October brought both positive and negative developments for BankUnited. While analyst ratings and dividend growth are encouraging, revenue forecasts and insider/institutional selling raise concerns. The upcoming earnings report on October 22nd is a key catalyst that will determine the company's near-term direction and investor sentiment.
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.
Performance & Financial Health Analysis: BankUnited vs UMB Financial
| Metric | BKU | UMBF |
|---|---|---|
| Market Information | ||
| Market Cap | $2.88B | $9.16B |
| Market Cap Category | Mid cap | Mid cap |
| 10 Day Avg. Volume | 747,960 | 395,660 |
| 90 Day Avg. Volume | 729,397 | 492,787 |
| Last Close | $39.92 | $118.32 |
| 52 Week Range | $28.21 - $44.45 | $82.00 - $129.94 |
| % from 52W High | -10.19% | -8.94% |
| All-Time High | $50.71 (Mar 08, 2021) | $129.94 (Nov 25, 2024) |
| % from All-Time High | -21.28% | -8.94% |
| Growth Metrics | ||
| Quarterly Revenue Growth | 0.12% | 0.78% |
| Quarterly Earnings Growth | 0.28% | 1.15% |
| Financial Health | ||
| Profit Margin (TTM) | 0.26% | 0.27% |
| Operating Margin (TTM) | 0.39% | 0.46% |
| Return on Equity (TTM) | 0.09% | 0.10% |
| Debt to Equity (MRQ) | 1.03 | 0.51 |
| Cash & Liquidity | ||
| Book Value per Share (MRQ) | $39.26 | $90.63 |
| Cash per Share (MRQ) | $11.88 | $29.90 |
| Operating Cash Flow (TTM) | $365.58M | $705.18M |
| Levered Free Cash Flow (TTM) | $228.35M | $441.24M |
| Dividends | ||
| Last 12-Month Dividend Yield | 3.50% | 1.81% |
| Last 12-Month Dividend | $1.18 | $1.99 |
Valuation & Enterprise Metrics Analysis: BankUnited vs UMB Financial
| Metric | BKU | UMBF |
|---|---|---|
| Price Ratios | ||
| P/E Ratio (TTM) | 11.28 | 13.53 |
| Forward P/E | 11.91 | 12.95 |
| PEG Ratio | 0.43 | 0.37 |
| Price to Sales (TTM) | 2.89 | 4.65 |
| Price to Book (MRQ) | 0.98 | 1.32 |
| Market Capitalization | ||
| Market Capitalization | $2.88B | $9.16B |
| Enterprise Value | $5.04B | $10.94B |
| Enterprise Value Metrics | ||
| Enterprise to Revenue | 5.04 | 5.61 |
| Enterprise to EBITDA | N/A | N/A |
| Risk & Other Metrics | ||
| Beta | 1.28 | 0.74 |
| Book Value per Share (MRQ) | $39.26 | $90.63 |
Financial Statements Comparison: BankUnited vs UMB Financial
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) | BKU | UMBF |
|---|---|---|
| Revenue/Sales | $255.41M | $510.19M |
| 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 | $80.07M | $93.05M |
| Income Tax | $21.60M | $11.72M |
| Net Income (Profit) | $58.48M | $81.33M |
Balance Sheet & Liquidity Metrics (MRQ)
| Metric (MRQ) | BKU | UMBF |
|---|---|---|
| Cash & Equivalents | $443.75M | $10.73B |
| Total Current Assets | N/A | N/A |
| Total Current Liabilities | N/A | N/A |
| Long-Term Debt | $3.11B | $654.38M |
| Total Shareholders Equity | $2.90B | $6.75B |
| Retained Earnings | $2.83B | $3.22B |
| Property, Plant & Equipment | $218.62M | N/A |
Cash Flow Statement Comparison (MRQ)
| Metric (MRQ) | BKU | UMBF |
|---|---|---|
| Operating Cash Flow | $15.84M | $360.37M |
| Capital Expenditures | $1.48M | $-8.59M |
| Free Cash Flow | $16.40M | $354.20M |
| Debt Repayment | $-605.00M | $-11.06M |
| Common Stock Repurchase | N/A | $-15.43M |
Short Interest & Institutional Ownership Analysis
| Metric | BKU | UMBF |
|---|---|---|
| Shares Short | 2.13M | 2.26M |
| Short Ratio | 3.46 | 4.44 |
| Short % of Float | 0.04% | 0.04% |
| Average Daily Volume (10 Day) | 747,960 | 395,660 |
| Average Daily Volume (90 Day) | 729,397 | 492,787 |
| Shares Outstanding | 74.75M | 48.81M |
| Float Shares | 74.51M | 72.88M |
| % Held by Insiders | 0.01% | 0.05% |
| % Held by Institutions | 1.06% | 0.93% |
Dividend Analysis & Yield Comparison: BankUnited vs UMB Financial
| Metric | BKU | UMBF |
|---|---|---|
| Last 12-Month Dividend | $1.18 | $1.99 |
| Last 12-Month Dividend Yield | 3.50% | 1.81% |
| 3-Year Avg Annual Dividend | $1.10 | $1.68 |
| 3-Year Avg Dividend Yield | 0.94% | 0.45% |
| 3-Year Total Dividends | $3.30 | $5.05 |
| Ex-Dividend Date | Apr 11, 2025 | Sep 10, 2025 |