First Horizon vs UMB Financial
FHN 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 FHN and UMBF compare
First Horizon and UMB Financial are about the same size, with market caps of $11.0B and $10.2B.
On earnings, UMB Financial is cheaper: it trades at 10.2× trailing earnings, against 11.1× for First Horizon.
UMB Financial grew revenue faster over the last twelve months (27.3% versus 10.3% for First Horizon).
UMB Financial keeps more of each dollar of sales as profit, with a net margin of 34.3% compared with 29.9% at First Horizon.
Both pay dividends: First Horizon yields 2.8% and UMB Financial 1.3%.
Key numbers
A dot marks the better figure where higher or lower is clearly better.
| Metric | FHN | UMBF |
|---|---|---|
| Size and price | ||
| Market cap | $11.0B | $10.2B |
| Share price | $23.27 | $134.47 |
| Change, 1 year | 12.3% | 23.7% |
| Change, 5 years | 34.4% | 29.0% |
| Beta (5Y) | 0.76 | 0.85 |
| Employees | 7,404 | 5,222 |
| StockData Score | ||
| Total score | 19 | 19 |
| Valuation score | 5 (better) | 4 |
| Growth score | 1 | 3 (better) |
| Performance score | 4 | 5 (better) |
| Health score | 5 (better) | 3 |
| Dividend score | 4 | 4 |
| Valuation | ||
| P/E | 11.1× | 10.2× (better) |
| P/S | 3.1× (better) | 3.4× |
| P/B | 1.2× (better) | 1.3× |
| P/FCF | 10.8× | 8.9× (better) |
| PEG | 1.61 (better) | 6.39 |
| FCF yield | 9.2% | 11.2% (better) |
| Fair value | $25.35 | $147.13 |
| Margin of safety | 8.2% | 8.6% (better) |
| Growth | ||
| Revenue growth (TTM) | 10.3% | 27.3% (better) |
| Revenue growth, 5Y average | 1.6% | 15.5% (better) |
| Net income growth (TTM) | 25.3% | 70.1% (better) |
| EPS growth (TTM) | 34.8% | 49.6% (better) |
| EPS growth, 5Y average | −0.21% | 9.4% (better) |
| Profitability | ||
| Net margin | 29.9% | 34.3% (better) |
| FCF margin | 28.8% | 37.9% (better) |
| Return on equity | 11.6% | 13.5% (better) |
| Financial health | ||
| Debt / equity | 0.33 | – |
| Altman Z-score | 0.22 | 0.22 (better) |
| Piotroski F-score | 6 | 6 |
| Dividends and buybacks | ||
| Dividend yield | 2.8% (better) | 1.3% |
| Payout ratio | 29.5% | 15.7% |
| Years of dividend growth | 0 | 16 (better) |
| Dividend growth, 5Y average | 0.00% | 5.5% (better) |
| Buyback yield | 8.0% (better) | 0.37% |
| Shareholder yield | 10.8% (better) | 1.7% |
| Ownership | ||
| Held by institutions | 86.9% | 96.0% |
| Held by insiders | 1.3% | 7.0% |
| Insider net buying, 12 months | −$6.1M (better) | −$11.4M |
| Short interest, % of float | 2.9% | – |
Go deeper
- FHN stock overview
- FHN income statement
- FHN 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.