` UMBF (UMB Financial Corp) vs MTB (M&T Bank Corp) Comparison - Alpha Spread

UMBF
vs
MTB

Over the past 12 months, UMBF has underperformed MTB, delivering a return of +35% compared to the MTB's +39% growth.

Smart Verdict
AI-Powered

Not Sure Which Stock Wins?
Let AI Decide.
UMBF
MTB
One-click summary across all key metrics.
Ranked results with clear takeaways.
No spreadsheets, no guesswork.
One-click summary across all key metrics.
Ranked results with clear takeaways.
No spreadsheets, no guesswork.
Start AI Comparison
Valuation
Growth
Profitability
Solvency
Comparing Valuation
Running a multi-layered valuation analysis to compare how attractive each stock is.
Comparing Growth
Financial growth, forecasts, volatility, and historical drawdowns.
Comparing Profitability
Margins, returns on capital, and the consistency of profitability.
Comparing Solvency
Debt levels, liquidity, interest coverage, and bankruptcy risk.
Summarizing...
We need a little more time to summarize the results

Valuation Comparison

UMBF Intrinsic Value
152.65 USD
Undervaluation 28%
Intrinsic Value
Price
MTB Intrinsic Value
251.15 USD
Undervaluation 20%
Intrinsic Value
Price
Company Last Price Intrinsic Value DCF Value Relative Value Wall St Target
UMB Financial Corp
NASDAQ:UMBF
109.43 USD
M&T Bank Corp
NYSE:MTB
200.06 USD
Valuation Scenario:
Bear Case
Base Case
Bull Case

Growth Comparison

Growth Over Time
UMBF vs MTB

UMBF
MTB
Add Stock
Revenue
www.alphaspread.com
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
M&T Bank Corp
Revenue

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

Profitability Comparison

Free Cash Flow
UMBF vs MTB

UMBF
MTB
Add Stock
Free Cash Flow
www.alphaspread.com
Company LTM Average Historical Growth FCF Margin Conversion
3 Years 5 Years 3 Years 5 Years 10 Years
UMB Financial Corp
NASDAQ:UMBF
FCF is not applicable for financial companies
M&T Bank Corp
NYSE:MTB
FCF is not applicable for financial companies
What is Free Cash Flow?

Gross Margin

UMBF
MTB
LTM 3Y Avg 5Y Avg 10Y Avg
UMB Financial Corp
Not applicable for financial companies
M&T Bank Corp
Not applicable for financial companies

Operating Margin

UMBF
MTB
LTM 3Y Avg 5Y Avg 10Y Avg
UMB Financial Corp
Not applicable for financial companies
M&T Bank Corp
Not applicable for financial companies

Net Margin

UMBF
22.9%
MTB
26.7%
LTM 3Y Avg 5Y Avg 10Y Avg
UMB Financial Corp
M&T Bank Corp

FCF Margin

UMBF
MTB
LTM 3Y Avg 5Y Avg 10Y Avg
UMB Financial Corp
Not applicable for financial companies
M&T Bank Corp
Not applicable for financial companies

ROE

UMBF
8.3%
MTB
8.9%
LTM 3Y Avg 5Y Avg 10Y Avg
UMB Financial Corp
M&T Bank Corp

ROA

UMBF
0.7%
MTB
1.2%
LTM 3Y Avg 5Y Avg 10Y Avg
UMB Financial Corp
M&T Bank Corp

ROIC

UMBF
MTB
LTM 3Y Avg 5Y Avg 10Y Avg
UMB Financial Corp
Not applicable for financial companies
M&T Bank Corp
Not applicable for financial companies

ROCE

UMBF
MTB
LTM 3Y Avg 5Y Avg 10Y Avg
UMB Financial Corp
Not applicable for financial companies
M&T Bank Corp
Not applicable for financial companies

Solvency Comparison

Balance Sheet Comparison

Stocks Performance

Stocks Performance
UMBF vs MTB

Loading

Performance Gap
UMBF vs MTB

Loading
UMBF
MTB
Difference
www.alphaspread.com

Performance By Year
UMBF vs MTB

Loading
UMBF
MTB
Add Stock
Not Sure Which Stock Wins?
Let AI Decide
One-click summary across all key metrics.
Ranked results with clear takeaways.
No spreadsheets, no guesswork.
Start AI Comparison
Compare UMBF to other stocks
Unlock Full Access to Alpha Spread
Create Free Account