Pinnacle Financial Partners, Inc. (PNFP) vs UMB Financial Corporation (UMBF)
Pinnacle Financial Partners, Inc. and UMB Financial Corporation are both Banks Regional companies. Pinnacle Financial Partners, Inc. is the larger, with a market value of $14.3B against $10.3B — 1.4× the size. UMB Financial Corporation trades at the lower P/E: 11.2× against 13.0×. Pinnacle Financial Partners, Inc. grew revenue faster over the last twelve months: 67.0% against 27.6%. UMB Financial Corporation has the higher net margin (21.1% vs 14.7%) and the higher return on invested capital (41.1% vs 4.85%). Both pay a dividend; UMB Financial Corporation yields more (1.95% vs 1.18%). Across the 20 metrics below, UMB Financial Corporation leads on 13 and Pinnacle Financial Partners, Inc. on 7.
Valuation
Profitability
| Metric | PNFP | UMBF | Banks Regional median |
|---|---|---|---|
| Gross margin | 65.82% | 66.95% | 69.57% |
| Operating margin | 0.00% | 0.00% | 0.00% |
| Net margin | 14.70% | 21.06% | 18.66% |
| Free cash flow margin | 27.35% | 23.89% | 21.18% |
| Return on equity | 7.65% | 12.55% | 10.64% |
| Return on assets | 0.85% | 1.27% | 1.13% |
| Return on invested capital | 4.85% | 41.14% | 8.33% |
Growth
Health
Dividend
Size
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