Associated Banc-Corp vs UMB Financial
ASB and UMBF side by side, both in commercial banks. Figures are trailing twelve months unless noted, from SEC filings and end-of-day prices.
How ASB and UMBF compare
UMB Financial is the larger company, worth 1.8 times as much as Associated Banc-Corp ($10.2B against $5.7B).
On earnings, Associated Banc-Corp is cheaper: it trades at 7.2× trailing earnings, against 10.1× for UMB Financial.
Associated Banc-Corp grew revenue faster over the last twelve months (130% versus 27.3% for UMB Financial).
UMB Financial keeps more of each dollar of sales as profit, with a net margin of 34.3% compared with 31.3% at Associated Banc-Corp.
Both pay dividends: Associated Banc-Corp yields 3.1% and UMB Financial 1.3%.
Associated Banc-Corp scores higher on the StockData Score (22 against 19 for UMB Financial), which adds up 30 checks on valuation, growth, past performance, financial health and dividends.
Key numbers
A dot marks the better figure where higher or lower is clearly better.
| Metric | ASB | UMBF |
|---|---|---|
| Size and price | ||
| Market cap | $5.7B | $10.2B |
| Share price | $30.94 | $133.86 |
| Change, 1 year | 21.1% | 21.9% |
| Change, 5 years | 33.1% | 26.0% |
| Beta (5Y) | 0.91 | 0.85 |
| Employees | 4,000 | 5,222 |
| StockData Score | ||
| Total score | 22 (better) | 19 |
| Valuation score | 6 (better) | 4 |
| Growth score | 3 | 3 |
| Performance score | 5 | 5 |
| Health score | 6 (better) | 3 |
| Dividend score | 2 | 4 (better) |
| Valuation | ||
| P/E | 7.2× (better) | 10.1× |
| P/S | 2.4× (better) | 3.4× |
| P/B | 1.0× (better) | 1.3× |
| P/FCF | – | 8.9× |
| PEG | 1.25 (better) | 6.36 |
| FCF yield | – | 11.2% |
| Fair value | $40.25 | $146.59 |
| Margin of safety | 23.1% (better) | 8.7% |
| Growth | ||
| Revenue growth (TTM) | 130% (better) | 27.3% |
| Revenue growth, 5Y average | 3.1% | 15.5% (better) |
| Net income growth (TTM) | 431% (better) | 70.1% |
| EPS growth (TTM) | 398% (better) | 49.6% |
| EPS growth, 5Y average | 8.3% | 9.4% (better) |
| Profitability | ||
| Net margin | 31.3% | 34.3% (better) |
| FCF margin | – | 37.9% |
| Return on equity | 15.0% (better) | 13.5% |
| Financial health | ||
| Debt / equity | 0.05 | – |
| Altman Z-score | 0.22 | 0.22 (better) |
| Piotroski F-score | 6 | 6 |
| Dividends and buybacks | ||
| Dividend yield | 3.1% (better) | 1.3% |
| Payout ratio | 32.5% | 15.7% |
| Years of dividend growth | 3 | 16 (better) |
| Dividend growth, 5Y average | – | 5.5% |
| Buyback yield | – | 0.37% |
| Shareholder yield | 3.1% (better) | 1.7% |
| Ownership | ||
| Held by institutions | 81.7% | 96.0% |
| Held by insiders | 6.1% | 7.1% |
| Insider net buying, 12 months | −$9.9M (better) | −$11.3M |
Go deeper
- ASB stock overview
- ASB income statement
- ASB valuation and score
- UMBF stock overview
- UMBF income statement
- UMBF valuation and score
Other comparisons
For information only, not investment advice. Check the source filings before relying on any figure.