Park National [PRK] vs UMB Financial [UMBF] Detailed Stock Comparison
TLDR: Quick Comparison Summary
Based on 19 vital metrics comparison: Park National Corporation wins in 8 metrics, UMB Financial Corporation wins in 11 metrics, with 0 ties. UMB Financial Corporation appears stronger overall.
View Metrics Details
Vital Metrics Comparison
| Metric | Park National Corporation | UMB Financial Corporation | Better |
|---|---|---|---|
| P/E Ratio (TTM) | 15.77 | 13.16 | UMB Financial Corporation |
| Price-to-Book Ratio | 2.08 | 1.25 | UMB Financial Corporation |
| Debt-to-Equity Ratio | 0.07 | 0.52 | Park National Corporation |
| PEG Ratio | 1.45 | 1.08 | UMB Financial Corporation |
| Profit Margin (TTM) | 33.00% | 28.12% | Park National Corporation |
| Operating Margin (TTM) | 38.77% | 42.96% | UMB Financial Corporation |
| EBITDA Margin (TTM) | 38.77% | 42.96% | UMB Financial Corporation |
| Return on Equity | 13.87% | 12.59% | Park National Corporation |
| Return on Assets (TTM) | 1.84% | 1.14% | Park National Corporation |
| Free Cash Flow (TTM) | $191.95M | $978.11M | UMB Financial Corporation |
| Dividend Yield | 3.17% | 1.62% | Park National Corporation |
| 1-Year Return | 14.42% | 34.43% | UMB Financial Corporation |
| Price-to-Sales Ratio (TTM) | 5.80 | 3.72 | UMB Financial Corporation |
| Enterprise Value | $3.03B | $10.79B | UMB Financial Corporation |
| EV/Revenue Ratio | 5.56 | 4.32 | UMB Financial Corporation |
| Revenue per Share (TTM) | $34 | $34 | UMB Financial Corporation |
| Earnings per Share (Diluted) | $11.12 | $9.28 | Park National Corporation |
| Beta (Stock Volatility) | 0.69 | 0.77 | Park National Corporation |
| Short % of Float | 2.95% | 4.38% | Park National Corporation |
Park National Corporation vs UMB Financial Corporation Stock Performance Analysis
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Performance Comparison
Short-term Returns
| Stock | 1D | 1W | 1M | 3M | 6M | YTD |
|---|---|---|---|---|---|---|
| Park National Corporation | -2.28% | 1.45% | 7.44% | 11.55% | 7.06% | 14.07% |
| UMB Financial Corporation | -0.84% | 3.97% | 7.69% | 20.96% | 12.69% | 15.24% |
Long-term Returns
| Stock | 1Y | 3Y | 5Y | 10Y | 15Y | 20Y |
|---|---|---|---|---|---|---|
| Park National Corporation | 14.42% | 68.25% | 52.01% | 106.62% | 181.37% | 88.52% |
| UMB Financial Corporation | 34.43% | 114.33% | 52.84% | 149.30% | 230.01% | 305.18% |
Performance & Financial Health Analysis: Park National Corporation vs UMB Financial Corporation
| Metric | PRK | UMBF |
|---|---|---|
| Market Information | ||
| Market Cap | $3.17B | $9.31B |
| Market Cap Category | Mid cap | Mid cap |
| 10 Day Avg. Volume | 86,170 | 444,191 |
| 90 Day Avg. Volume | 107,160 | 538,064 |
| Last Close | $176.03 | $134.23 |
| 52 Week Range | $149.06 - $182.34 | $98.16 - $137.56 |
| % from 52W High | -3.46% | -2.42% |
| All-Time High | $207.99 (Nov 25, 2024) | $137.56 (Jun 15, 2026) |
| % from All-Time High | -15.37% | -2.42% |
| Growth Metrics | ||
| Quarterly Revenue Growth | 0.08% | 0.68% |
| Quarterly Earnings Growth | 0.10% | 0.80% |
| Financial Health | ||
| Profit Margin (TTM) | 0.33% | 0.28% |
| Operating Margin (TTM) | 0.39% | 0.43% |
| Return on Equity (TTM) | 0.14% | 0.13% |
| Debt to Equity (MRQ) | 0.07 | 0.52 |
| Cash & Liquidity | ||
| Book Value per Share (MRQ) | $84.14 | $97.41 |
| Cash per Share (MRQ) | $12.96 | $38.42 |
| Operating Cash Flow (TTM) | $198.32M | $1.03B |
| Levered Free Cash Flow (TTM) | $180.07M | $684.62M |
| Dividends | ||
| Last 12-Month Dividend Yield | 3.17% | 1.62% |
| Last 12-Month Dividend | $5.56 | $2.06 |
Valuation & Enterprise Metrics Analysis: Park National Corporation vs UMB Financial Corporation
| Metric | PRK (Apr 21, 2026) | UMBF (Apr 26, 2026) |
|---|---|---|
| Price Ratios | ||
| P/E Ratio (TTM) | 15.77 | 13.16 |
| Forward P/E | 14.01 | 9.26 |
| PEG Ratio | 1.45 | 1.08 |
| Price to Sales (TTM) | 5.80 | 3.72 |
| Price to Book (MRQ) | 2.08 | 1.25 |
| Market Capitalization | ||
| Market Capitalization | $3.17B | $9.31B |
| Enterprise Value | $3.03B | $10.79B |
| Enterprise Value Metrics | ||
| Enterprise to Revenue | 5.56 | 4.32 |
| Enterprise to EBITDA | N/A | N/A |
| Risk & Other Metrics | ||
| Beta | 0.69 | 0.77 |
| Book Value per Share (MRQ) | $84.14 | $97.41 |
Financial Statements Comparison: Park National Corporation 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 | PRK (2025) | UMBF (2025) |
|---|---|---|
| Revenue/Sales | 557.19M | 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 | 221.32M | 874.96M |
| Pre-Tax Income % of Revenue | 39.7% | 36.0% |
| Income Tax | 41.25M | 172.56M |
| Income Tax % of Revenue | 7.4% | 7.1% |
| Net Income (Profit) | 180.07M | 702.40M |
| Profit Margin | 32.3% | 28.9% |
Balance Sheet & Liquidity Metrics
| Metric | PRK (2025) | UMBF (2025) |
|---|---|---|
| Cash & Equivalents | 233.51M | 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 | 17.06M | 254.20M |
| Long-Term Debt % of Revenue | 3.1% | 10.5% |
| Total Shareholders Equity | 1.35B | 7.69B |
| Retained Earnings | 1.07B | 3.74B |
| Retained Earnings % of Revenue | 191.6% | 153.8% |
| Property, Plant & Equipment | 19.59M | 217.48M |
Cash Flow Statement Comparison
| Metric | PRK (2025) | UMBF (2025) |
|---|---|---|
| Operating Cash Flow | 198.36M | 1.02B |
| Operating Cash Flow % of Revenue | 35.6% | 42.1% |
| Capital Expenditures | -6.37M | -48.58M |
| Free Cash Flow | 191.95M | 978.11M |
| FCF Margin | 34.4% | 40.3% |
| Debt Repayment | -190.00M | -200.00M |
| Common Stock Repurchase | -20.13M | -132.63M |
Short Interest & Institutional Ownership Analysis
| Metric | PRK | UMBF |
|---|---|---|
| Shares Short | 459,020 | 2.81M |
| Short Ratio | 4.22 | 5.05 |
| Short % of Float | 2.95% | 4.38% |
| Shares Outstanding | 16.08M | 75.96M |
| Float Shares | 15.32M | 72.43M |
| % Held by Insiders | 2.21% | 5.29% |
| % Held by Institutions | 50.12% | 95.31% |
| % Held by Public | 47.67% | -0.60% |
Dividend Analysis & Yield Comparison: Park National Corporation vs UMB Financial Corporation
| Metric | PRK | UMBF |
|---|---|---|
| Last 12-Month Dividend | $5.56 | $2.06 |
| Last 12-Month Dividend Yield | 3.17% | 1.62% |
| 3-Year Avg Annual Dividend | $4.49 | $1.72 |
| 3-Year Avg Dividend Yield | 0.79% | 0.44% |
| 3-Year Total Dividends | $13.46 | $5.16 |
| Ex-Dividend Date | Feb 20, 2026 | Mar 10, 2026 |