Bank of America Corp (BAC)vsUMB Financial Corporation (UMBF)
BAC
Bank of America Corp
$53.83
+2.29%
FINANCIAL SERVICES · Cap: $372.43B
UMBF
UMB Financial Corporation
$129.92
+0.95%
FINANCIAL SERVICES · Cap: $10.29B
Smart Verdict
WallStSmart Research — data-driven comparison
Bank of America Corp generates 3911% more annual revenue ($109.59B vs $2.73B). UMBF leads profitability with a 32.3% profit margin vs 29.0%. BAC appears more attractively valued with a PEG of 0.92. UMBF earns a higher WallStSmart Score of 81/100 (A-).
BAC
Strong Buy80
out of 100
Grade: B+
UMBF
Exceptional Buy81
out of 100
Grade: A-
Key Strengths & Concerns
Side-by-side fundamental analysis
Key Strengths
Mega-cap, among the largest globally
Reasonable price relative to book value
Strong operational efficiency at 36.0%
Generating 41.8B in free cash flow
Keeps 29 of every $100 in revenue as profit
Growing faster than its price suggests
Attractively priced relative to earnings
Reasonable price relative to book value
Keeps 32 of every $100 in revenue as profit
Strong operational efficiency at 51.0%
Revenue surging 49.0% year-over-year
Earnings expanding 176.9% YoY
Areas to Watch
Elevated debt levels
Distress zone — elevated risk
Expensive relative to growth rate
Distress zone — elevated risk
Comparative Analysis Report
WallStSmart ResearchBull Case : BAC
The strongest argument for BAC centers on Market Cap, Price/Book, Operating Margin. Profitability is solid with margins at 29.0% and operating margin at 36.0%. PEG of 0.92 suggests the stock is reasonably priced for its growth.
Bull Case : UMBF
The strongest argument for UMBF centers on P/E Ratio, Price/Book, Profit Margin. Profitability is solid with margins at 32.3% and operating margin at 51.0%. Revenue growth of 49.0% demonstrates continued momentum.
Bear Case : BAC
The primary concerns for BAC are Debt/Equity, Altman Z-Score.
Bear Case : UMBF
The primary concerns for UMBF are PEG Ratio, Altman Z-Score.
Key Dynamics to Monitor
BAC profiles as a mature stock while UMBF is a growth play — different risk/reward profiles.
BAC carries more volatility with a beta of 1.22 — expect wider price swings.
UMBF is growing revenue faster at 49.0% — sustainability is the question.
BAC generates stronger free cash flow (41.8B), providing more financial flexibility.
Bottom Line
UMBF scores higher overall (81/100 vs 80/100), backed by strong 32.3% margins and 49.0% revenue growth. Both earn "Exceptional Buy" and "Strong Buy" ratings respectively — the choice depends on your investment horizon and risk tolerance.
This analysis is generated from publicly available financial data. Not financial advice.
Bank of America Corp
FINANCIAL SERVICES · BANKS - DIVERSIFIED · USA
The Bank of America Corporation is an American multinational investment bank and financial services holding company headquartered in Charlotte, North Carolina. Founded in San Francisco, Bank of America was formed through NationsBank's acquisition of BankAmerica in 1998. It is the second largest banking institution in the United States, after JPMorgan Chase, and the eighth largest bank in the world. Bank of America is one of the Big Four banking institutions of the United States. It services approximately 10 percent of all American bank deposits, in direct competition with JPMorgan Chase, Citigroup and Wells Fargo. Its primary financial services revolve around commercial banking, wealth management, and investment banking.
Visit Website →UMB Financial Corporation
FINANCIAL SERVICES · BANKS - REGIONAL · USA
UMB Financial Corporation is the holding company of UMB Bank providing various banking and other financial services. The company is headquartered in Kansas City, Missouri.
Visit Website →Compare with Other BANKS - DIVERSIFIED Stocks
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