Cullen/Frost Bankers, Inc. (CFR) vs UMB Financial Corporation (UMBF)

Cullen/Frost Bankers, Inc. and UMB Financial Corporation are both Banks Regional companies. Cullen/Frost Bankers, Inc. and UMB Financial Corporation are of similar size ($10.2B and $9.7B). UMB Financial Corporation trades at the lower P/E: 10.1× against 14.6×. UMB Financial Corporation grew revenue faster over the last twelve months: 16.5% against 1.83%. UMB Financial Corporation has the higher net margin (22.9% vs 22.9%) and the higher return on invested capital (37.2% vs 0.00%). Both pay a dividend; Cullen/Frost Bankers, Inc. yields more (2.59% vs 1.01%). Across the 19 metrics below, UMB Financial Corporation leads on 15 and Cullen/Frost Bankers, Inc. on 4.

Valuation

Metric CFR UMBF Banks Regional median
P/E 14.57 10.10 12.02
P/S 3.30 2.33 2.36
P/B 2.54 1.36 1.23
Price to free cash flow 16.54 8.97 10.60
EV/EBITDA — — —
EV/Sales — — —
Earnings yield 6.86% 9.90% 8.21%
Free cash flow yield 6.05% 11.14% 9.23%

Profitability

Metric CFR UMBF Banks Regional median
Gross margin 79.15% 68.39% 69.81%
Operating margin 0.00% 0.00% 0.00%
Net margin 22.90% 22.93% 18.82%
Free cash flow margin 19.93% 25.94% 17.97%
Return on equity 16.60% 13.72% 10.28%
Return on assets 1.26% 1.40% 1.13%
Return on invested capital 0.00% 37.22% 8.45%

Growth

Metric CFR UMBF Banks Regional median
Revenue growth (TTM) 1.83% 16.47% 6.37%
EPS growth (last fiscal year) 11.84% 3.34% 18.85%
Revenue growth, 5-year CAGR 14.46% 24.81% 12.65%
Net income growth, 5-year CAGR 14.45% 19.03% 9.81%

Health

Metric CFR UMBF Banks Regional median
Debt to equity 0.06 0.04 0.17
Current ratio 0.65 0.76 0.93
Net debt to EBITDA 0.00 0.00 0.00

Dividend

Metric CFR UMBF Banks Regional median
Dividend yield 2.59% 1.01% 2.49%
Payout ratio 0.38 0.10 0.29

Size

Metric CFR UMBF Banks Regional median
Market cap 9.74b 10.23b 934.85m

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