UMB Financial Corporation (UMBF)vsWells Fargo & Company (WFC)
UMBF
UMB Financial Corporation
$124.22
-0.90%
FINANCIAL SERVICES · Cap: $9.44B
WFC
Wells Fargo & Company
$82.23
+0.88%
FINANCIAL SERVICES · Cap: $249.77B
Smart Verdict
WallStSmart Research — data-driven comparison
Wells Fargo & Company generates 3148% more annual revenue ($81.14B vs $2.50B). UMBF leads profitability with a 28.1% profit margin vs 26.7%. WFC appears more attractively valued with a PEG of 1.45. UMBF earns a higher WallStSmart Score of 75/100 (B+).
UMBF
Strong Buy75
out of 100
Grade: B+
WFC
Strong Buy74
out of 100
Grade: B
Key Strengths & Concerns
Side-by-side fundamental analysis
Key Strengths
Attractively priced relative to earnings
Reasonable price relative to book value
Strong operational efficiency at 43.0%
Revenue surging 67.6% year-over-year
Keeps 28 of every $100 in revenue as profit
Mega-cap, among the largest globally
Keeps 27 of every $100 in revenue as profit
Attractively priced relative to earnings
Reasonable price relative to book value
Strong operational efficiency at 29.4%
Generating 4.1B in free cash flow
Areas to Watch
Expensive relative to growth rate
Distress zone — elevated risk
Distress zone — elevated risk
Comparative Analysis Report
WallStSmart ResearchBull Case : UMBF
The strongest argument for UMBF centers on P/E Ratio, Price/Book, Operating Margin. Profitability is solid with margins at 28.1% and operating margin at 43.0%. Revenue growth of 67.6% demonstrates continued momentum.
Bull Case : WFC
The strongest argument for WFC centers on Market Cap, Profit Margin, P/E Ratio. Profitability is solid with margins at 26.7% and operating margin at 29.4%. PEG of 1.45 suggests the stock is reasonably priced for its growth.
Bear Case : UMBF
The primary concerns for UMBF are PEG Ratio, Altman Z-Score.
Bear Case : WFC
The primary concerns for WFC are Altman Z-Score.
Key Dynamics to Monitor
UMBF profiles as a growth stock while WFC is a mature play — different risk/reward profiles.
WFC carries more volatility with a beta of 1.06 — expect wider price swings.
UMBF is growing revenue faster at 67.6% — sustainability is the question.
WFC generates stronger free cash flow (4.1B), providing more financial flexibility.
Bottom Line
UMBF scores higher overall (75/100 vs 74/100), backed by strong 28.1% margins and 67.6% revenue growth. Both earn "Strong 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.
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 →Wells Fargo & Company
FINANCIAL SERVICES · BANKS - DIVERSIFIED · USA
Wells Fargo & Company is an American multinational financial services company with corporate headquarters in San Francisco, California, operational headquarters in Manhattan, and managerial offices throughout the United States and overseas.
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