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JEF vs UMBF

JEF
Jefferies Financial Group Inc.
NEUTRAL
Price
$48.14
Market Cap
$9.84B
Sector
Financial Services
AI Confidence
85%
UMBF
UMB Financial Corporation
BULLISH
Price
$124.16
Market Cap
$9.45B
Sector
Financial Services
AI Confidence
85%

Valuation

P/E Ratio
JEF
16.15
UMBF
13.36
Forward P/E
JEF
10.88
UMBF
9.42
P/B Ratio
JEF
0.93
UMBF
1.27
P/S Ratio
JEF
1.82
UMBF
3.78
EV/EBITDA
JEF
--
UMBF
--

Profitability

Gross Margin
JEF
2.62%
UMBF
0.0%
Operating Margin
JEF
13.41%
UMBF
42.96%
Profit Margin
JEF
23.02%
UMBF
28.12%
ROE
JEF
--
UMBF
12.59%
ROA
JEF
--
UMBF
1.14%

Growth

Revenue Growth
JEF
26.6%
UMBF
67.6%
Earnings Growth
JEF
22.8%
UMBF
12.6%

Financial Health

Debt/Equity
JEF
3.44
UMBF
--
Current Ratio
JEF
--
UMBF
--
Quick Ratio
JEF
--
UMBF
--

Dividends

Dividend Yield
JEF
3.32%
UMBF
1.39%
Payout Ratio
JEF
53.69%
UMBF
17.55%

AI Verdict

JEF NEUTRAL

JEF presents a stark contrast between deep value and deteriorating operational health, highlighted by a weak Piotroski F-Score of 2/9. While the stock is significantly undervalued relative to its Graham Number ($58.99) and Intrinsic Value ($87.91), and trades below book value (P/B 0.93), the deterministic health metrics are alarming. Strong year-over-year revenue and earnings growth are offset by a bearish technical trend (0/100) and a recent negative Q/Q EPS growth of -27.1%. The investment case relies on a value-recovery thesis, but the operational red flags necessitate a cautious approach.

Strengths
Deep value valuation with P/B ratio of 0.93
Strong YoY Revenue growth (26.60%) and Earnings growth (22.80%)
Significant upside to Graham Number ($58.99) and Intrinsic Value ($87.91)
Risks
Severe operational weakness indicated by a Piotroski F-Score of 2/9
High leverage with a Debt/Equity ratio of 3.44
Strongly bearish technical trend (0/100)
UMBF BULLISH

UMBF presents a compelling value opportunity, trading significantly below its Graham Number ($142.69) and Intrinsic Value ($240.61). While the Piotroski F-Score of 4/9 indicates stable but not exceptional financial health, the company exhibits explosive revenue growth (67.6% YoY) and a consistent track record of earnings beats. Despite bearish insider sentiment and technical trends, the fundamental valuation and low forward P/E (9.42) suggest significant upside potential.

Strengths
Significant undervaluation relative to Graham Number and Intrinsic Value
Exceptional YoY revenue growth of 67.60%
Strong earnings track record with 3/4 recent beats and high average surprises
Risks
Bearish insider activity, including significant sales by the CEO
Technical trend is currently 0/100 (Bearish)
Divergence between massive revenue growth and more modest earnings growth

Compare Another Pair

JEF vs UMBF: Head-to-Head Comparison

This page compares Jefferies Financial Group Inc. (JEF) and UMB Financial Corporation (UMBF) across key fundamental metrics including valuation ratios, profitability margins, growth rates, financial health indicators, and dividend metrics. Each metric highlights the better-performing stock so you can quickly identify relative strengths and weaknesses.

Our AI engine independently analyzes each company's financials, competitive position, and market conditions to produce a verdict (Bullish, Neutral, or Bearish) along with key strengths and risks. Use this comparison alongside your own research to make informed investment decisions.

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