Flagstar Financial [FLG] vs UMB Financial [UMBF] Detailed Stock Comparison
Flagstar Financial
NYSE
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UMB Financial
NASDAQ
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TLDR: Quick Comparison Summary
Based on 18 vital metrics comparison: Flagstar Financial wins in 4 metrics, UMB Financial wins in 13 metrics, with 0 ties. UMB Financial appears stronger overall.
View Metrics Details
Vital Metrics Comparison
| Metric | Flagstar Financial | UMB Financial | Better |
|---|---|---|---|
| P/E Ratio (TTM) | -3.54 | 13.53 | Flagstar Financial |
| Price-to-Book Ratio | 0.66 | 1.32 | Flagstar Financial |
| Debt-to-Equity Ratio | 1.69 | 0.51 | UMB Financial |
| PEG Ratio | 0.04 | 0.37 | Flagstar Financial |
| Profit Margin (TTM) | -37.44% | 27.11% | UMB Financial |
| Operating Margin (TTM) | -9.26% | 46.33% | UMB Financial |
| EBITDA Margin (TTM) | N/A | 46.33% | N/A |
| Return on Equity | -7.62% | 10.05% | UMB Financial |
| Return on Assets (TTM) | -0.60% | 0.91% | UMB Financial |
| Free Cash Flow (TTM) | $50.00M | $201.08M | UMB Financial |
| Dividend Yield | 0.26% | 1.81% | UMB Financial |
| 1-Year Return | 2.46% | 8.62% | UMB Financial |
| Price-to-Sales Ratio (TTM) | 2.93 | 4.65 | Flagstar Financial |
| Enterprise Value | $10.90B | $10.94B | UMB Financial |
| EV/Revenue Ratio | 6.40 | 5.61 | UMB Financial |
| Revenue per Share (TTM) | $4 | $33 | UMB Financial |
| Earnings per Share (Diluted) | $-1.46 | $8.83 | UMB Financial |
| Beta (Stock Volatility) | 1.16 | 0.74 | UMB Financial |
Performance
News Sentiment
Key Stats
Valuation
Financials
Short Interest
Dividends
Flagstar Financial vs UMB Financial Stock Performance Analysis
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Performance Comparison
Short-term Returns
| Stock | 1D | 1W | 1M | 3M | 6M | YTD |
|---|---|---|---|---|---|---|
| Flagstar Financial | -0.25% | 4.50% | -6.29% | 8.94% | 14.52% | 30.63% |
| UMB Financial | -1.33% | 0.03% | -5.73% | 8.65% | 36.69% | 5.90% |
Long-term Returns
| Stock | 1Y | 3Y | 5Y | 10Y | 15Y | 20Y |
|---|---|---|---|---|---|---|
| Flagstar Financial | 2.46% | -52.89% | -52.83% | -78.18% | -75.65% | -75.84% |
| UMB Financial | 8.62% | 33.91% | 111.71% | 132.91% | 234.53% | 270.32% |
News Based Sentiment: Flagstar Financial vs UMB Financial
Flagstar Financial
News based Sentiment: MIXED
Flagstar is undergoing a major strategic shift with a reorganization and divestitures, but continues to face financial challenges as evidenced by recent earnings. Institutional investment provides some support, but analyst opinions are divided, creating a mixed outlook for investors.
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: Flagstar Financial vs UMB Financial
| Metric | FLG | UMBF |
|---|---|---|
| Market Information | ||
| Market Cap | $5.01B | $9.16B |
| Market Cap Category | Mid cap | Mid cap |
| 10 Day Avg. Volume | 5,076,076 | 395,660 |
| 90 Day Avg. Volume | 5,002,555 | 492,787 |
| Last Close | $12.07 | $118.39 |
| 52 Week Range | $8.56 - $13.35 | $82.00 - $129.94 |
| % from 52W High | -9.59% | -8.89% |
| All-Time High | $106.71 (Mar 01, 2004) | $129.94 (Nov 25, 2024) |
| % from All-Time High | -88.69% | -8.89% |
| Growth Metrics | ||
| Quarterly Revenue Growth | 0.54% | 0.78% |
| Quarterly Earnings Growth | -0.26% | 1.15% |
| Financial Health | ||
| Profit Margin (TTM) | -0.37% | 0.27% |
| Operating Margin (TTM) | -0.09% | 0.46% |
| Return on Equity (TTM) | -0.08% | 0.10% |
| Debt to Equity (MRQ) | 1.69 | 0.51 |
| Cash & Liquidity | ||
| Book Value per Share (MRQ) | $18.28 | $90.63 |
| Cash per Share (MRQ) | $19.53 | $29.90 |
| Operating Cash Flow (TTM) | $-651,000,000 | $705.18M |
| Levered Free Cash Flow (TTM) | $-1,153,000,000 | $441.24M |
| Dividends | ||
| Last 12-Month Dividend Yield | 0.26% | 1.81% |
| Last 12-Month Dividend | $0.03 | $1.99 |
Valuation & Enterprise Metrics Analysis: Flagstar Financial vs UMB Financial
| Metric | FLG | UMBF |
|---|---|---|
| Price Ratios | ||
| P/E Ratio (TTM) | -3.54 | 13.53 |
| Forward P/E | -35.35 | 12.95 |
| PEG Ratio | 0.04 | 0.37 |
| Price to Sales (TTM) | 2.93 | 4.65 |
| Price to Book (MRQ) | 0.66 | 1.32 |
| Market Capitalization | ||
| Market Capitalization | $5.01B | $9.16B |
| Enterprise Value | $10.90B | $10.94B |
| Enterprise Value Metrics | ||
| Enterprise to Revenue | 6.40 | 5.61 |
| Enterprise to EBITDA | N/A | N/A |
| Risk & Other Metrics | ||
| Beta | 1.16 | 0.74 |
| Book Value per Share (MRQ) | $18.28 | $90.63 |
Financial Statements Comparison: Flagstar Financial 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) | FLG | UMBF |
|---|---|---|
| Revenue/Sales | $496.00M | $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 | $-81.00M | $93.05M |
| Income Tax | $-11.00M | $11.72M |
| Net Income (Profit) | $-70.00M | $81.33M |
Balance Sheet & Liquidity Metrics (MRQ)
| Metric (MRQ) | FLG | UMBF |
|---|---|---|
| Cash & Equivalents | $12.61B | $10.73B |
| Total Current Assets | N/A | N/A |
| Total Current Liabilities | N/A | N/A |
| Long-Term Debt | $10.68B | $654.38M |
| Total Shareholders Equity | $8.15B | $6.75B |
| Retained Earnings | $-875.00M | $3.22B |
| Property, Plant & Equipment | $1.01B | N/A |
Cash Flow Statement Comparison (MRQ)
| Metric (MRQ) | FLG | UMBF |
|---|---|---|
| Operating Cash Flow | $-798.00M | $360.37M |
| Capital Expenditures | $-12.00M | $-8.59M |
| Free Cash Flow | $-602.00M | $354.20M |
| Debt Repayment | $0 | $-11.06M |
| Common Stock Repurchase | $-4.00M | $-15.43M |
Short Interest & Institutional Ownership Analysis
| Metric | FLG | UMBF |
|---|---|---|
| Shares Short | 52.50M | 2.26M |
| Short Ratio | 10.71 | 4.44 |
| Short % of Float | 0.20% | 0.04% |
| Average Daily Volume (10 Day) | 5,076,076 | 395,660 |
| Average Daily Volume (90 Day) | 5,002,555 | 492,787 |
| Shares Outstanding | 414.93M | 48.81M |
| Float Shares | 265.47M | 72.88M |
| % Held by Insiders | 0.01% | 0.05% |
| % Held by Institutions | 0.91% | 0.93% |
Dividend Analysis & Yield Comparison: Flagstar Financial vs UMB Financial
| Metric | FLG | UMBF |
|---|---|---|
| Last 12-Month Dividend | $0.03 | $1.99 |
| Last 12-Month Dividend Yield | 0.26% | 1.81% |
| 3-Year Avg Annual Dividend | $1.09 | $1.68 |
| 3-Year Avg Dividend Yield | 1.05% | 0.45% |
| 3-Year Total Dividends | $3.27 | $5.05 |
| Ex-Dividend Date | Mar 07, 2025 | Sep 10, 2025 |