UMB Financial vs Valley National Bancorp
UMBF and VLY side by side, both in commercial banks. Figures are trailing twelve months unless noted, from SEC filings and end-of-day prices.
How UMBF and VLY compare
UMB Financial is the larger company, worth 1.3 times as much as Valley National Bancorp ($10.2B against $7.8B).
On earnings, UMB Financial is cheaper: it trades at 10.2× trailing earnings, against 12.0× for Valley National Bancorp.
UMB Financial grew revenue faster over the last twelve months (27.3% versus 12.2% for Valley National Bancorp).
UMB Financial keeps more of each dollar of sales as profit, with a net margin of 34.3% compared with 32.2% at Valley National Bancorp.
Both pay dividends: UMB Financial yields 1.3% and Valley National Bancorp 3.1%.
Valley National Bancorp scores higher on the StockData Score (20 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 | UMBF | VLY |
|---|---|---|
| Size and price | ||
| Market cap | $10.2B | $7.8B |
| Share price | $134.47 | $14.14 |
| Change, 1 year | 23.7% | 29.0% |
| Change, 5 years | 29.0% | −1.8% |
| Beta (5Y) | 0.85 | 0.96 |
| Employees | 5,222 | 3,155 |
| StockData Score | ||
| Total score | 19 | 20 (better) |
| Valuation score | 4 | 4 |
| Growth score | 3 (better) | 2 |
| Performance score | 5 (better) | 4 |
| Health score | 3 | 6 (better) |
| Dividend score | 4 | 4 |
| Valuation | ||
| P/E | 10.2× (better) | 12.0× |
| P/S | 3.4× (better) | 3.6× |
| P/B | 1.3× | 1.0× (better) |
| P/FCF | 8.9× (better) | 14.0× |
| PEG | 6.39 | – |
| FCF yield | 11.2% (better) | 7.1% |
| Fair value | $147.13 | $14.45 |
| Margin of safety | 8.6% (better) | 2.1% |
| Growth | ||
| Revenue growth (TTM) | 27.3% (better) | 12.2% |
| Revenue growth, 5Y average | 15.5% (better) | 9.2% |
| Net income growth (TTM) | 70.1% (better) | 53.2% |
| EPS growth (TTM) | 49.6% | 51.3% (better) |
| EPS growth, 5Y average | 9.4% (better) | 1.7% |
| Profitability | ||
| Net margin | 34.3% (better) | 32.2% |
| FCF margin | 37.9% (better) | 25.9% |
| Return on equity | 13.5% (better) | 9.0% |
| Financial health | ||
| Debt / equity | – | 0.05 |
| Altman Z-score | 0.22 (better) | 0.16 |
| Piotroski F-score | 6 (better) | 5 |
| Dividends and buybacks | ||
| Dividend yield | 1.3% | 3.1% (better) |
| Payout ratio | 15.7% | 35.7% |
| Years of dividend growth | 16 (better) | 0 |
| Dividend growth, 5Y average | 5.5% (better) | 0.00% |
| Buyback yield | 0.37% | 1.4% (better) |
| Shareholder yield | 1.7% | 4.6% (better) |
| Ownership | ||
| Held by institutions | 96.0% | 77.1% |
| Held by insiders | 7.0% | 14.6% |
| Insider net buying, 12 months | −$11.4M | −$1.6M (better) |
Go deeper
- UMBF stock overview
- UMBF income statement
- UMBF valuation and score
- VLY stock overview
- VLY income statement
- VLY valuation and score
Other comparisons
For information only, not investment advice. Check the source filings before relying on any figure.