Western Alliance [WAL] vs UMB Financial [UMBF] Detailed Stock Comparison
Western Alliance
NYSE
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UMB Financial
NASDAQ
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TLDR: Quick Comparison Summary
Based on 18 vital metrics comparison: Western Alliance wins in 7 metrics, UMB Financial wins in 11 metrics, with 0 ties. UMB Financial appears stronger overall.
View Metrics Details
Vital Metrics Comparison
| Metric | Western Alliance | UMB Financial | Better |
|---|---|---|---|
| P/E Ratio (TTM) | 11.40 | 13.53 | Western Alliance |
| Price-to-Book Ratio | 1.39 | 1.32 | UMB Financial |
| Debt-to-Equity Ratio | 0.93 | 0.51 | UMB Financial |
| PEG Ratio | 0.60 | 0.37 | UMB Financial |
| Profit Margin (TTM) | 27.12% | 27.11% | Western Alliance |
| Operating Margin (TTM) | 40.78% | 46.33% | UMB Financial |
| EBITDA Margin (TTM) | 40.78% | 46.33% | UMB Financial |
| Return on Equity | 12.42% | 10.05% | Western Alliance |
| Return on Assets (TTM) | 1.02% | 0.91% | Western Alliance |
| Free Cash Flow (TTM) | $-2.83B | $201.08M | UMB Financial |
| Dividend Yield | 1.56% | 1.81% | UMB Financial |
| 1-Year Return | -3.03% | 8.62% | UMB Financial |
| Price-to-Sales Ratio (TTM) | 3.07 | 4.65 | Western Alliance |
| Enterprise Value | $13.75B | $10.94B | Western Alliance |
| EV/Revenue Ratio | 4.41 | 5.61 | Western Alliance |
| Revenue per Share (TTM) | $29 | $33 | UMB Financial |
| Earnings per Share (Diluted) | $7.61 | $8.83 | UMB Financial |
| Beta (Stock Volatility) | 1.34 | 0.74 | UMB Financial |
Performance
News Sentiment
Key Stats
Valuation
Financials
Short Interest
Dividends
Western Alliance vs UMB Financial Stock Performance Analysis
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Performance Comparison
Short-term Returns
| Stock | 1D | 1W | 1M | 3M | 6M | YTD |
|---|---|---|---|---|---|---|
| Western Alliance | -1.62% | -0.83% | -3.73% | 2.75% | 38.35% | 3.74% |
| UMB Financial | -1.33% | 0.03% | -5.73% | 8.65% | 36.69% | 5.90% |
Long-term Returns
| Stock | 1Y | 3Y | 5Y | 10Y | 15Y | 20Y |
|---|---|---|---|---|---|---|
| Western Alliance | -3.03% | 34.80% | 129.27% | 150.15% | 1,256.47% | 241.95% |
| UMB Financial | 8.62% | 33.91% | 111.71% | 132.91% | 234.53% | 270.32% |
News Based Sentiment: Western Alliance vs UMB Financial
Western Alliance
News based Sentiment: MIXED
October presented a mixed bag for Western Alliance, with bullish analyst upgrades from JPMorgan and DA Davidson countered by a downgrade from Wells Fargo and concerns about valuation. The strategic expansion into California and growing institutional interest add complexity, making the upcoming earnings release a critical event 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: Western Alliance vs UMB Financial
| Metric | WAL | UMBF |
|---|---|---|
| Market Information | ||
| Market Cap | $9.83B | $9.16B |
| Market Cap Category | Mid cap | Mid cap |
| 10 Day Avg. Volume | 855,060 | 395,660 |
| 90 Day Avg. Volume | 1,111,077 | 492,787 |
| Last Close | $86.00 | $118.39 |
| 52 Week Range | $57.05 - $98.10 | $82.00 - $129.94 |
| % from 52W High | -12.33% | -8.89% |
| All-Time High | $124.93 (Jan 10, 2022) | $129.94 (Nov 25, 2024) |
| % from All-Time High | -31.16% | -8.89% |
| Growth Metrics | ||
| Quarterly Revenue Growth | 0.10% | 0.78% |
| Quarterly Earnings Growth | 0.19% | 1.15% |
| Financial Health | ||
| Profit Margin (TTM) | 0.27% | 0.27% |
| Operating Margin (TTM) | 0.41% | 0.46% |
| Return on Equity (TTM) | 0.12% | 0.10% |
| Debt to Equity (MRQ) | 0.93 | 0.51 |
| Cash & Liquidity | ||
| Book Value per Share (MRQ) | $62.57 | $90.63 |
| Cash per Share (MRQ) | $29.45 | $29.90 |
| Operating Cash Flow (TTM) | $-3,701,400,064 | $705.18M |
| Levered Free Cash Flow (TTM) | $774.90M | $441.24M |
| Dividends | ||
| Last 12-Month Dividend Yield | 1.56% | 1.81% |
| Last 12-Month Dividend | $1.13 | $1.99 |
Valuation & Enterprise Metrics Analysis: Western Alliance vs UMB Financial
| Metric | WAL | UMBF |
|---|---|---|
| Price Ratios | ||
| P/E Ratio (TTM) | 11.40 | 13.53 |
| Forward P/E | 9.65 | 12.95 |
| PEG Ratio | 0.60 | 0.37 |
| Price to Sales (TTM) | 3.07 | 4.65 |
| Price to Book (MRQ) | 1.39 | 1.32 |
| Market Capitalization | ||
| Market Capitalization | $9.83B | $9.16B |
| Enterprise Value | $13.75B | $10.94B |
| Enterprise Value Metrics | ||
| Enterprise to Revenue | 4.41 | 5.61 |
| Enterprise to EBITDA | N/A | N/A |
| Risk & Other Metrics | ||
| Beta | 1.34 | 0.74 |
| Book Value per Share (MRQ) | $62.57 | $90.63 |
Financial Statements Comparison: Western Alliance 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) | WAL | UMBF |
|---|---|---|
| Revenue/Sales | $825.80M | $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 | $291.30M | $93.05M |
| Income Tax | $53.50M | $11.72M |
| Net Income (Profit) | $237.80M | $81.33M |
Balance Sheet & Liquidity Metrics (MRQ)
| Metric (MRQ) | WAL | UMBF |
|---|---|---|
| Cash & Equivalents | $3.28B | $10.73B |
| Total Current Assets | N/A | N/A |
| Total Current Liabilities | N/A | N/A |
| Long-Term Debt | $2.67B | $654.38M |
| Total Shareholders Equity | $7.22B | $6.75B |
| Retained Earnings | $4.98B | $3.22B |
| Property, Plant & Equipment | $486.00M | N/A |
Cash Flow Statement Comparison (MRQ)
| Metric (MRQ) | WAL | UMBF |
|---|---|---|
| Operating Cash Flow | $-1.64B | $360.37M |
| Capital Expenditures | $-16.60M | $-8.59M |
| Free Cash Flow | $-1.67B | $354.20M |
| Debt Repayment | $-2.01B | $-11.06M |
| Common Stock Repurchase | N/A | $-15.43M |
Short Interest & Institutional Ownership Analysis
| Metric | WAL | UMBF |
|---|---|---|
| Shares Short | 5.20M | 2.26M |
| Short Ratio | 5.12 | 4.44 |
| Short % of Float | 0.05% | 0.04% |
| Average Daily Volume (10 Day) | 855,060 | 395,660 |
| Average Daily Volume (90 Day) | 1,111,077 | 492,787 |
| Shares Outstanding | 110.05M | 48.81M |
| Float Shares | 103.16M | 72.88M |
| % Held by Insiders | 0.03% | 0.05% |
| % Held by Institutions | 0.90% | 0.93% |
Dividend Analysis & Yield Comparison: Western Alliance vs UMB Financial
| Metric | WAL | UMBF |
|---|---|---|
| Last 12-Month Dividend | $1.13 | $1.99 |
| Last 12-Month Dividend Yield | 1.56% | 1.81% |
| 3-Year Avg Annual Dividend | $1.35 | $1.68 |
| 3-Year Avg Dividend Yield | 0.61% | 0.45% |
| 3-Year Total Dividends | $4.04 | $5.05 |
| Ex-Dividend Date | Feb 14, 2025 | Sep 10, 2025 |