Customers Bancorp [CUBI] vs UMB Financial [UMBF] Detailed Stock Comparison
Customers Bancorp
NYSE
Loading...
UMB Financial
NASDAQ
Loading...
TLDR: Quick Comparison Summary
Based on 18 vital metrics comparison: Customers Bancorp wins in 6 metrics, UMB Financial wins in 11 metrics, with 0 ties. UMB Financial appears stronger overall.
View Metrics Details
Vital Metrics Comparison
| Metric | Customers Bancorp | UMB Financial | Better |
|---|---|---|---|
| P/E Ratio (TTM) | 16.19 | 13.41 | UMB Financial |
| Price-to-Book Ratio | 1.16 | 1.31 | Customers Bancorp |
| Debt-to-Equity Ratio | 0.82 | 0.51 | UMB Financial |
| PEG Ratio | 5.57 | 0.37 | UMB Financial |
| Profit Margin (TTM) | 24.73% | 27.11% | UMB Financial |
| Operating Margin (TTM) | 48.95% | 46.33% | Customers Bancorp |
| EBITDA Margin (TTM) | 48.95% | 46.33% | Customers Bancorp |
| Return on Equity | 8.17% | 10.05% | UMB Financial |
| Return on Assets (TTM) | 0.68% | 0.91% | UMB Financial |
| Free Cash Flow (TTM) | $79.87M | $201.08M | UMB Financial |
| Dividend Yield | N/A | 1.81% | N/A |
| 1-Year Return | 37.48% | 8.88% | Customers Bancorp |
| Price-to-Sales Ratio (TTM) | 3.77 | 4.61 | Customers Bancorp |
| Enterprise Value | $170.81M | $10.86B | UMB Financial |
| EV/Revenue Ratio | 0.29 | 5.57 | Customers Bancorp |
| Revenue per Share (TTM) | $19 | $33 | UMB Financial |
| Earnings per Share (Diluted) | $4.05 | $8.83 | UMB Financial |
| Beta (Stock Volatility) | 1.56 | 0.74 | UMB Financial |
Performance
News Sentiment
Key Stats
Valuation
Financials
Short Interest
Dividends
Customers Bancorp vs UMB Financial Stock Performance Analysis
Loading Price Chart...
Performance Comparison
Short-term Returns
| Stock | 1D | 1W | 1M | 3M | 6M | YTD |
|---|---|---|---|---|---|---|
| Customers Bancorp | 0.84% | 1.18% | -3.43% | 1.72% | 37.60% | 37.16% |
| UMB Financial | -0.26% | 0.31% | -3.05% | 7.21% | 25.79% | 6.15% |
Long-term Returns
| Stock | 1Y | 3Y | 5Y | 10Y | 15Y | 20Y |
|---|---|---|---|---|---|---|
| Customers Bancorp | 37.48% | 103.34% | 407.57% | 161.85% | 601.94% | 601.94% |
| UMB Financial | 8.88% | 34.23% | 112.21% | 133.46% | 235.32% | 271.19% |
News Based Sentiment: Customers Bancorp vs UMB Financial
Customers Bancorp
News based Sentiment: POSITIVE
October was a demonstrably positive month for Customers Bancorp, with strong Q2 earnings exceeding expectations, upward revisions to EPS estimates from B. Riley, and increased institutional investment. These factors collectively strengthen the investment case and suggest the bank is executing its strategy effectively, positioning it for continued growth.
UMB Financial
News based Sentiment: POSITIVE
October proved to be a strong month for UMB Financial, marked by exceptional Q2 earnings that beat estimates, positive analyst revisions with increasing price targets, and a clear strategic focus on growth areas like wealth management and digital innovation. While insider selling is a minor concern, the overall narrative is overwhelmingly positive, suggesting continued growth potential.
Performance & Financial Health Analysis: Customers Bancorp vs UMB Financial
| Metric | CUBI | UMBF |
|---|---|---|
| Market Information | ||
| Market Cap | $2.24B | $9.03B |
| Market Cap Category | Mid cap | Mid cap |
| 10 Day Avg. Volume | 269,040 | 374,860 |
| 90 Day Avg. Volume | 386,190 | 474,583 |
| Last Close | $65.07 | $118.67 |
| 52 Week Range | $40.75 - $72.51 | $82.00 - $129.94 |
| % from 52W High | -10.26% | -8.67% |
| All-Time High | $76.13 (Jan 03, 2022) | $129.94 (Nov 25, 2024) |
| % from All-Time High | -14.53% | -8.67% |
| Growth Metrics | ||
| Quarterly Revenue Growth | 0.03% | 0.78% |
| Quarterly Earnings Growth | 0.05% | 1.15% |
| Financial Health | ||
| Profit Margin (TTM) | 0.25% | 0.27% |
| Operating Margin (TTM) | 0.49% | 0.46% |
| Return on Equity (TTM) | 0.08% | 0.10% |
| Debt to Equity (MRQ) | 0.82 | 0.51 |
| Cash & Liquidity | ||
| Book Value per Share (MRQ) | $56.36 | $90.63 |
| Cash per Share (MRQ) | $111.22 | $29.90 |
| Operating Cash Flow (TTM) | $414.08M | $705.18M |
| Levered Free Cash Flow (TTM) | $166.43M | $441.24M |
| Dividends | ||
| Last 12-Month Dividend Yield | N/A | 1.81% |
| Last 12-Month Dividend | N/A | $1.99 |
Valuation & Enterprise Metrics Analysis: Customers Bancorp vs UMB Financial
| Metric | CUBI | UMBF |
|---|---|---|
| Price Ratios | ||
| P/E Ratio (TTM) | 16.19 | 13.41 |
| Forward P/E | 10.68 | 12.83 |
| PEG Ratio | 5.57 | 0.37 |
| Price to Sales (TTM) | 3.77 | 4.61 |
| Price to Book (MRQ) | 1.16 | 1.31 |
| Market Capitalization | ||
| Market Capitalization | $2.24B | $9.03B |
| Enterprise Value | $170.81M | $10.86B |
| Enterprise Value Metrics | ||
| Enterprise to Revenue | 0.29 | 5.57 |
| Enterprise to EBITDA | N/A | N/A |
| Risk & Other Metrics | ||
| Beta | 1.56 | 0.74 |
| Book Value per Share (MRQ) | $56.36 | $90.63 |
Financial Statements Comparison: Customers Bancorp vs UMB Financial
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) | CUBI | UMBF |
|---|---|---|
| Revenue/Sales | $138.33M | $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 | $11.89M | $93.05M |
| Income Tax | $-1.02M | $11.72M |
| Net Income (Profit) | $12.91M | $81.33M |
Balance Sheet & Liquidity Metrics (MRQ)
| Metric (MRQ) | CUBI | UMBF |
|---|---|---|
| Cash & Equivalents | $3.43B | $10.73B |
| Total Current Assets | N/A | N/A |
| Total Current Liabilities | N/A | N/A |
| Long-Term Debt | $1.32B | $654.38M |
| Total Shareholders Equity | $1.86B | $6.75B |
| Retained Earnings | $1.34B | $3.22B |
| Property, Plant & Equipment | N/A | N/A |
Cash Flow Statement Comparison (MRQ)
| Metric (MRQ) | CUBI | UMBF |
|---|---|---|
| Operating Cash Flow | $19.80M | $360.37M |
| Capital Expenditures | $-16.67M | $-8.59M |
| Free Cash Flow | $77.04M | $354.20M |
| Debt Repayment | $-100.00M | $-11.06M |
| Common Stock Repurchase | $-5.64M | $-15.43M |
Short Interest & Institutional Ownership Analysis
| Metric | CUBI | UMBF |
|---|---|---|
| Shares Short | 1.31M | 2.26M |
| Short Ratio | 3.54 | 4.44 |
| Short % of Float | 0.05% | 0.04% |
| Average Daily Volume (10 Day) | 269,040 | 374,860 |
| Average Daily Volume (90 Day) | 386,190 | 474,583 |
| Shares Outstanding | 31.35M | 48.81M |
| Float Shares | 29.54M | 72.88M |
| % Held by Insiders | 0.08% | 0.05% |
| % Held by Institutions | 0.85% | 0.93% |
Dividend Analysis & Yield Comparison: Customers Bancorp vs UMB Financial
| Metric | CUBI | UMBF |
|---|---|---|
| Last 12-Month Dividend | N/A | $1.99 |
| Last 12-Month Dividend Yield | N/A | 1.81% |
| 3-Year Avg Annual Dividend | N/A | $1.68 |
| 3-Year Avg Dividend Yield | N/A | 0.45% |
| 3-Year Total Dividends | N/A | $5.05 |
| Ex-Dividend Date | N/A | Sep 10, 2025 |