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UMBF vs V

UMBF
UMB Financial Corporation
BULLISH
Price
$123.04
Market Cap
$9.37B
Sector
Financial Services
AI Confidence
85%
V
Visa Inc.
BULLISH
Price
$302.24
Market Cap
$582.73B
Sector
Financial Services
AI Confidence
75%

Valuation

P/E Ratio
UMBF
13.37
V
28.35
Forward P/E
UMBF
9.33
V
20.79
P/B Ratio
UMBF
1.26
V
15.09
P/S Ratio
UMBF
3.75
V
14.08
EV/EBITDA
UMBF
--
V
20.06

Profitability

Gross Margin
UMBF
0.0%
V
97.78%
Operating Margin
UMBF
42.96%
V
68.3%
Profit Margin
UMBF
28.12%
V
50.23%
ROE
UMBF
12.59%
V
53.95%
ROA
UMBF
1.14%
V
18.36%

Growth

Revenue Growth
UMBF
67.6%
V
14.6%
Earnings Growth
UMBF
12.6%
V
17.4%

Financial Health

Debt/Equity
UMBF
--
V
0.55
Current Ratio
UMBF
--
V
1.11
Quick Ratio
UMBF
--
V
0.72

Dividends

Dividend Yield
UMBF
1.4%
V
0.89%
Payout Ratio
UMBF
17.55%
V
22.91%

AI Verdict

UMBF BULLISH

UMBF presents a compelling value opportunity, characterized by a Piotroski F-Score of 4/9 (Stable) and a current price ($123.04) trading significantly below both its Graham Number ($142.0) and Intrinsic Value ($238.28). The company is demonstrating explosive top-line momentum with 67.6% YoY revenue growth and a highly consistent track record of earnings beats over the last 25 quarters. While insider selling and a bearish technical trend create short-term friction, the low Forward P/E of 9.33 and a conservative dividend payout ratio of 17.55% indicate strong fundamental health and growth potential. The valuation gap suggests the market is underpricing the company's current growth trajectory.

Strengths
Significant undervaluation relative to Graham Number ($142) and Intrinsic Value ($238.28)
Explosive revenue growth (67.6% YoY and 68.67% Q/Q)
Exceptional earnings track record with 3/4 recent beats and consistent positive surprises
Risks
Bearish insider sentiment, specifically recent sales by the CEO and a Director
Technical trend is currently 0/100, indicating strong short-term bearish momentum
PEG ratio of 2.54 suggests that earnings growth may not be keeping pace with the valuation premium relative to growth
V BULLISH

V shows bullish fundamentals based on deterministic rules. Financial strength is strong (F-Score 6/9). Key strengths include strong valuation and growth metrics.

Strengths
Strong profitability (50.2% margin)
Strong ROE of 54.0%
Risks
Premium vs Graham Number ($69.32)

Compare Another Pair

UMBF vs V: Head-to-Head Comparison

This page compares UMB Financial Corporation (UMBF) and Visa Inc. (V) 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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