UMB Financial Corporation (UMBF) vs Wintrust Financial Corporation (WTFC)

UMB Financial Corporation and Wintrust Financial Corporation are both Banks Regional companies. UMB Financial Corporation and Wintrust Financial Corporation are of similar size ($10.3B and $9.7B). UMB Financial Corporation trades at the lower P/E: 11.2× against 11.6×. UMB Financial Corporation grew revenue faster over the last twelve months: 27.6% against 6.06%. UMB Financial Corporation has the higher net margin (21.1% vs 19.5%) and the higher return on invested capital (41.1% vs 9.84%). Both pay a dividend; UMB Financial Corporation yields more (1.95% vs 1.79%). Across the 20 metrics below, UMB Financial Corporation leads on 12 and Wintrust Financial Corporation on 8.

Valuation

Metric UMBF WTFC Banks Regional median
P/E 11.24 11.57 12.15
P/S 2.37 2.27 2.37
P/B 1.33 1.39 1.21
Price to free cash flow 9.92 6.26 10.80
EV/EBITDA n/m n/m —
EV/Sales 0.94 2.31 2.27
Earnings yield 8.89% 8.64% 8.11%
Free cash flow yield 10.09% 15.97% 8.98%

Profitability

Metric UMBF WTFC Banks Regional median
Gross margin 66.95% 65.90% 69.57%
Operating margin 0.00% 0.00% 0.00%
Net margin 21.06% 19.51% 18.66%
Free cash flow margin 23.89% 36.20% 21.18%
Return on equity 12.55% 12.57% 10.64%
Return on assets 1.27% 1.18% 1.13%
Return on invested capital 41.14% 9.84% 8.33%

Growth

Metric UMBF WTFC Banks Regional median
Revenue growth (TTM) 27.62% 6.06% 6.61%
EPS growth (last fiscal year) 3.34% 10.57% —
Revenue growth, 5-year CAGR 24.81% 17.39% 12.30%
Net income growth, 5-year CAGR 19.03% 23.30% 9.71%

Health

Metric UMBF WTFC Banks Regional median
Debt to equity 0.06 0.58 0.22
Current ratio 0.76 0.98 0.94
Net debt to EBITDA 0.00 0.00 0.00

Dividend

Metric UMBF WTFC Banks Regional median
Dividend yield 1.95% 1.79% 3.75%
Payout ratio 0.20 0.15 0.27

Size

Metric UMBF WTFC Banks Regional median
Market cap 10.25b 9.74b 921.07m

Compare with another peer

Any metric, up to five companies and an Excel export Powerpack