UMB Financial Corporation (UMBF) vs Zions Bancorporation, N.A. (ZION)

UMB Financial Corporation and Zions Bancorporation, N.A. are both Banks Regional companies. UMB Financial Corporation and Zions Bancorporation, N.A. are of similar size ($10.0B and $9.2B). Zions Bancorporation, N.A. trades at the lower P/E: 8.1× against 10.9×. UMB Financial Corporation grew revenue faster over the last twelve months: 27.6% against 3.88%. Zions Bancorporation, N.A. has the higher net margin (22.6% vs 21.1%) and the lower return on invested capital (15.7% vs 41.1%). Both pay a dividend; Zions Bancorporation, N.A. yields more (2.89% vs 1.04%). Across the 19 metrics below, Zions Bancorporation, N.A. leads on 14 and UMB Financial Corporation on 5.

Valuation

Metric UMBF ZION Banks Regional median
P/E 10.85 8.08 11.98
P/S 2.29 1.79 2.34
P/B 1.29 1.22 1.19
Price to free cash flow 9.57 5.52 10.63
EV/EBITDA — — —
EV/Sales — — —
Earnings yield 9.21% 12.38% 8.23%
Free cash flow yield 10.45% 18.13% 9.08%

Profitability

Metric UMBF ZION Banks Regional median
Gross margin 66.95% 72.39% 69.55%
Operating margin 0.00% 0.00% 0.00%
Net margin 21.06% 22.60% 18.66%
Free cash flow margin 23.89% 32.53% 21.11%
Return on equity 12.55% 16.50% 10.65%
Return on assets 1.27% 1.31% 1.13%
Return on invested capital 41.14% 15.66% 8.35%

Growth

Metric UMBF ZION Banks Regional median
Revenue growth (TTM) 27.62% 3.88% 6.98%
EPS growth (last fiscal year) 3.34% 21.41% 18.88%
Revenue growth, 5-year CAGR 24.81% 10.93% 12.38%
Net income growth, 5-year CAGR 19.03% 12.13% 9.71%

Health

Metric UMBF ZION Banks Regional median
Debt to equity 0.06 0.25 0.22
Current ratio 0.76 0.84 0.94
Net debt to EBITDA 0.00 0.00 0.00

Dividend

Metric UMBF ZION Banks Regional median
Dividend yield 1.04% 2.89% 2.57%
Payout ratio 0.11 0.23 0.30

Size

Metric UMBF ZION Banks Regional median
Market cap 10.01b 9.20b 913.33m

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