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ORI vs UMBF

ORI
Old Republic International Corporation
NEUTRAL
Price
$39.95
Market Cap
$9.73B
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
ORI
9.84
UMBF
13.36
Forward P/E
ORI
11.98
UMBF
9.42
P/B Ratio
ORI
1.64
UMBF
1.27
P/S Ratio
ORI
1.03
UMBF
3.78
EV/EBITDA
ORI
7.21
UMBF
--

Profitability

Gross Margin
ORI
63.49%
UMBF
0.0%
Operating Margin
ORI
17.97%
UMBF
42.96%
Profit Margin
ORI
10.83%
UMBF
28.12%
ROE
ORI
17.28%
UMBF
12.59%
ROA
ORI
2.95%
UMBF
1.14%

Growth

Revenue Growth
ORI
13.5%
UMBF
67.6%
Earnings Growth
ORI
34.7%
UMBF
12.6%

Financial Health

Debt/Equity
ORI
0.27
UMBF
--
Current Ratio
ORI
0.59
UMBF
--
Quick Ratio
ORI
0.19
UMBF
--

Dividends

Dividend Yield
ORI
3.15%
UMBF
1.39%
Payout Ratio
ORI
29.19%
UMBF
17.55%

AI Verdict

ORI NEUTRAL

Old Republic International Corporation presents a stark dichotomy between deep value and deteriorating operational health. While the company trades significantly below its Graham Number ($47.18) and Intrinsic Value ($119.77) with a low P/E of 9.84, the Piotroski F-Score of 2/9 indicates severe weakness in financial health and operational trends. Strong earnings growth (34.7% YoY) and a consistent track record of EPS beats are currently offset by a bearish technical trend (0/100) and negative insider sentiment. The stock appears to be a value play with significant underlying quality risks.

Strengths
Attractive valuation with P/E of 9.84 and trading below Graham Number
Strong profitability with ROE of 17.28% and Gross Margin of 63.49%
Impressive earnings growth trajectory (34.7% YoY and 61% Q/Q EPS growth)
Risks
Critical operational weakness indicated by a Piotroski F-Score of 2/9
Poor short-term liquidity with a Current Ratio of 0.59 and Quick Ratio of 0.19
Bearish technical momentum (Technical Trend score of 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

ORI vs UMBF: Head-to-Head Comparison

This page compares Old Republic International Corporation (ORI) 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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