` Comparison: UMB vs TFC - Alpha Spread
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UMB
vs
TFC

Over the past 12 months, UMB has underperformed TFC, delivering a return of +2% compared to the TFC's +18% growth.

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

UMB Intrinsic Value
153.31 EUR
Undervaluation 27%
Intrinsic Value
Price
TFC Intrinsic Value
59.03 USD
Undervaluation 6%
Intrinsic Value
Price
Company Last Price Intrinsic Value DCF Value Relative Value Wall St Target
UMB Financial Corp
F:UMB
112 EUR
Truist Financial Corp
NYSE:TFC
55.77 USD
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Valuation Scenario:
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Bull Case

Growth Comparison

Growth Over Time
UMB, TFC

UMB
TFC
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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
Truist Financial Corp
Revenue

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

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Profitability Comparison

Free Cash Flow
UMB, TFC

UMB
TFC
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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
Truist Financial Corp
NYSE:TFC
FCF is not applicable for financial companies
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What is Free Cash Flow?

Gross Margin

UMB
TFC
LTM 3Y Avg 5Y Avg 10Y Avg
UMB Financial Corp
Not applicable for financial companies
Truist Financial Corp
Not applicable for financial companies

Operating Margin

UMB
TFC
LTM 3Y Avg 5Y Avg 10Y Avg
UMB Financial Corp
Not applicable for financial companies
Truist Financial Corp
Not applicable for financial companies

Net Margin

UMB
25.8%
TFC
24.5%

FCF Margin

UMB
TFC
LTM 3Y Avg 5Y Avg 10Y Avg
UMB Financial Corp
Not applicable for financial companies
Truist Financial Corp
Not applicable for financial companies

ROE

UMB
12.3%
TFC
7.7%

ROA

UMB
1.1%
TFC
0.9%

ROIC

UMB
TFC
LTM 3Y Avg 5Y Avg 10Y Avg
UMB Financial Corp
Not applicable for financial companies
Truist Financial Corp
Not applicable for financial companies

ROCE

UMB
TFC
LTM 3Y Avg 5Y Avg 10Y Avg
UMB Financial Corp
Not applicable for financial companies
Truist Financial Corp
Not applicable for financial companies

Solvency Comparison

UMB Financial Corp
Equity Waterfall
Assets
Liabilities
Equity
What is Equity Waterfall?
Truist Financial Corp
Equity Waterfall
Assets
Liabilities
Equity
What is Equity Waterfall?
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Balance Sheet Comparison
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Stocks Performance

Stocks Performance
UMB, TFC

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

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

Performance By Year
UMB, TFC

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UMB
TFC
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