Popular, Inc. (BPOP) vs UMB Financial Corporation (UMBF)

Popular, Inc. and UMB Financial Corporation are both Banks Regional companies. Popular, Inc. and UMB Financial Corporation are of similar size ($10.3B and $10.2B). Popular, Inc. trades at the lower P/E: 10.8× against 11.2×. UMB Financial Corporation grew revenue faster over the last twelve months: 27.6% against 3.83%. Popular, Inc. has the higher net margin (21.3% vs 21.1%) and the higher return on invested capital (48.2% vs 41.1%). Both pay a dividend; Popular, Inc. yields more (2.52% vs 1.95%). Across the 20 metrics below, Popular, Inc. leads on 10 and UMB Financial Corporation on 10.

Valuation

Metric BPOP UMBF Banks Regional median
P/E 10.84 11.24 12.15
P/S 2.26 2.37 2.37
P/B 1.60 1.33 1.21
Price to free cash flow 12.70 9.92 10.80
EV/EBITDA n/m n/m —
EV/Sales 1.17 0.94 2.27
Earnings yield 9.23% 8.89% 8.11%
Free cash flow yield 7.87% 10.09% 8.98%

Profitability

Metric BPOP UMBF Banks Regional median
Gross margin 73.90% 66.95% 69.57%
Operating margin 0.00% 0.00% 0.00%
Net margin 21.34% 21.06% 18.66%
Free cash flow margin 17.82% 23.89% 21.18%
Return on equity 15.68% 12.55% 10.64%
Return on assets 1.25% 1.27% 1.13%
Return on invested capital 48.20% 41.14% 8.33%

Growth

Metric BPOP UMBF Banks Regional median
Revenue growth (TTM) 3.83% 27.62% 6.61%
EPS growth (last fiscal year) 43.69% 3.34% —
Revenue growth, 5-year CAGR 11.27% 24.81% 12.30%
Net income growth, 5-year CAGR 10.50% 19.03% 9.71%

Health

Metric BPOP UMBF Banks Regional median
Debt to equity 0.00 0.06 0.22
Current ratio 0.61 0.76 0.94
Net debt to EBITDA 0.00 0.00 0.00

Dividend

Metric BPOP UMBF Banks Regional median
Dividend yield 2.52% 1.95% 3.75%
Payout ratio 0.16 0.20 0.27

Size

Metric BPOP UMBF Banks Regional median
Market cap 10.18b 10.25b 921.07m

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