RF vs UMBF: stock comparison and AI forecast
Regions Financial Corp (RF) and Umb Financial Corp (UMBF) compared on price performance, valuation, profitability and the daily AI forecast. · Alpha · vs market
Share
RF Regions Financial Corp
- Price
- $28.31 +1.3% · 6M
- Market Cap
- $24.12B
- P/E Ratio
- 12.1x
- Size
- large-cap
- AI Forecast
UMBF Umb Financial Corp
- Price
- $134.70 +2.7% · 6M
- Market Cap
- $10.23B
- P/E Ratio
- 10.1x
- Size
- large-cap
- AI Forecast
Which one does the AI model favor?
Intratio's model scores both stocks every trading day. Sign in to see their current direction; the exact ratings and forecasts come with a plan or a free follow slot.
Six-month price performance
Closing prices rebased to 100 at the start of the window.
Key facts
- RF is 2.4 times larger than UMBF by market capitalization ($24.12B against $10.23B).
- UMBF trades at 10.1 times trailing earnings, RF at 12.1 times.
- Over the last six months UMBF returned +2.7% and RF +1.3%.
- UMBF turns 35.6% of its revenue into net income, against 30.8% for RF.
- UMBF carries 8.26 times debt per unit of equity, against 7.56 times for RF.
- RF yields 3.80% in dividends and UMBF 1.59%.
- Both companies share the SEC industry classification National Commercial Banks.
Fundamentals side by side
Trailing twelve months.
Valuation & Market
| Metric | RF | UMBF |
|---|---|---|
| Market Cap | $24.12B | $10.23B |
| P/E Ratio | 12.05x | 10.08x |
| P/B Ratio | 1.28x | 1.30x |
| Dividend Yield | 3.80% | 1.59% |
| EPS | $2.35 | $13.37 |
| Book Value/Share | $22.11 | $103.39 |
| Revenue/Share | $8.50 | $38.17 |
| FCF/Share | – | $15.03 |
Profitability & Margins
| Metric | RF | UMBF |
|---|---|---|
| ROE | 11.8% | 13.2% |
| ROA | 1.4% | 1.4% |
| Net Margin | 30.8% | 35.6% |
| EBT Margin | 39.4% | 44.6% |
| Tax Rate | 21.6% | 20.2% |
Financial Health
| Metric | RF | UMBF |
|---|---|---|
| D/E Ratio | 7.56x | 8.26x |
| Financial Leverage | 8.56x | 9.26x |
| Interest Coverage | 0.0x | – |
Cash Flow
| Metric | RF | UMBF |
|---|---|---|
| Operating Cash Flow | $1.78B | $1.19B |
| Free Cash Flow | – | $1.14B |
| Capital Spending | – | -$45M |
| OCF Growth YoY | -33.7% | 39.0% |
| FCF Growth YoY | – | 41.7% |
| FCF/Sales | – | 39.4% |
| CapEx/Sales | – | 1.6% |
Operational Efficiency
| Metric | RF | UMBF |
|---|---|---|
| Asset Turnover | 0.04x | 0.04x |
| Fixed Assets Turnover | 4.2x | 7.3x |
Income Statement
| Metric | RF | UMBF |
|---|---|---|
| Total Revenue | $7.24B | $2.90B |
| Net Income | $2.23B | $1.03B |
Dividend & Shareholder Information
| Metric | RF | UMBF |
|---|---|---|
| Dividends Per Share | $1.08 | $2.14 |
| Payout Ratio | 46.0% | 16.0% |
| Shares Outstanding | 852M | 76M |
| Net Income Growth | 7.5% | 70.1% |
| EPS Growth | 17.5% | 51.4% |
RF vs UMBF: stock comparison and AI forecast
Which is bigger, RF or UMBF?
RF is 2.4 times larger than UMBF by market capitalization ($24.12B against $10.23B).
Which is cheaper on earnings, RF or UMBF?
UMBF trades at 10.1 times trailing earnings, RF at 12.1 times.
Which stock performed better over the last six months, RF or UMBF?
Over the last six months UMBF returned +2.7% and RF +1.3%.
Which one does Intratio's AI model rank higher, RF or UMBF?
Intratio's model scores both stocks every trading day. Sign in to see their current direction; the exact ratings and forecasts come with a plan or a free follow slot.
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This analysis is generated automatically using our proprietary AI systems and should not be considered personalized investment advice. Past performance does not guarantee future results. Always conduct your own research and consider consulting a financial advisor before making investment decisions.