` Comparison: UMB, FITB - Alpha Spread

UMB
vs
FITB

Over the past 12 months, UMB has underperformed FITB, delivering a return of -16% compared to the FITB's 3% drop.

Valuation Growth Profitability Solvency Stocks Performance
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UMB
FITB
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Stocks Compared:
UMB FITB
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Valuation Comparison

UMB Intrinsic Value
155.01 EUR
Undervaluation 36%
Intrinsic Value
Price
FITB Intrinsic Value
69.56 USD
Undervaluation 35%
Intrinsic Value
Price
Company Last Price Intrinsic Value DCF Value Relative Value Wall St Target
UMB Financial Corp
F:UMB
98.5 EUR
Fifth Third Bancorp
NASDAQ:FITB
45.26 USD
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Valuation Scenario:
Bear Case
Base Case
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Growth Comparison

Growth Over Time
UMB, FITB

UMB
FITB
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Revenue
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Company LTM Historical Growth Growth Streak % Positive Years Max Drawdown Volatility Forecasted Growth
3 Years 5 Years 10 Years 1 Year 3 Years
UMB Financial Corp
Revenue
Fifth Third Bancorp
Revenue

All metrics are calculated based on data from the last 10 years.

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Profitability Comparison

Free Cash Flow
UMB, FITB

UMB
FITB
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Free Cash Flow
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Company LTM Average Historical Growth FCF Margin Conversion
3 Years 5 Years 3 Years 5 Years 10 Years
UMB Financial Corp
F:UMB
FCF is not applicable for financial companies
Fifth Third Bancorp
NASDAQ:FITB
FCF is not applicable for financial companies
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What is Free Cash Flow?

Gross Margin

UMB
FITB
LTM 3Y Avg 5Y Avg 10Y Avg
UMB Financial Corp
Not applicable for financial companies
Fifth Third Bancorp
Not applicable for financial companies

Operating Margin

UMB
FITB
LTM 3Y Avg 5Y Avg 10Y Avg
UMB Financial Corp
Not applicable for financial companies
Fifth Third Bancorp
Not applicable for financial companies

Net Margin

UMB
25.2%
FITB
25.3%

FCF Margin

UMB
FITB
LTM 3Y Avg 5Y Avg 10Y Avg
UMB Financial Corp
Not applicable for financial companies
Fifth Third Bancorp
Not applicable for financial companies

ROE

UMB
10.8%
FITB
10.8%

ROA

UMB
1%
FITB
1.1%

ROIC

UMB
FITB
LTM 3Y Avg 5Y Avg 10Y Avg
UMB Financial Corp
Not applicable for financial companies
Fifth Third Bancorp
Not applicable for financial companies

ROCE

UMB
FITB
LTM 3Y Avg 5Y Avg 10Y Avg
UMB Financial Corp
Not applicable for financial companies
Fifth Third Bancorp
Not applicable for financial companies

Solvency Comparison

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Balance Sheet Comparison
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Stocks Performance

Stocks Performance
UMB, FITB

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UMB
FITB
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1Y 3Y 5Y 10Y 15Y 20Y
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Performance Gap
UMB, FITB

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UMB
FITB
Difference
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1Y 3Y 5Y 10Y 15Y 20Y

Performance By Year
UMB, FITB

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UMB
FITB
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