COMP <GO>
CFR vs UMBF // OPERATING MARGIN
Cullen/Frost Bankers Inc. (NYSE) VS. UMB Financial Corporation (NASDAQ) • 15-METRIC TALLY: CFR 8
— UMBF 4
▲ OPERATING MARGIN LEADER: CFR
LAST: $160.30 (+1.71%) • MKT CAP: $9.80B
operating-margins
75.00%
LAST: $137.46 (+2.22%) • MKT CAP: $10.21B
operating-margins
29.60%
15-METRIC INSTITUTIONAL SIDE-BY-SIDE SCORECARD (CFR VS. UMBF)
EMERALD CELL = QUANTITATIVE EDGE
| INSTITUTIONAL METRIC | CFR | UMBF | SPREAD (A - B) | ADVANTAGE | DEDICATED URL |
|---|---|---|---|---|---|
| Gross Profit Margin | — | — | — | TIE | /gross-margins <GO> |
| Return on Invested Capital (ROIC) | 3.40% | 2.50% | +0.90 | CFR | /roic <GO> |
| EV/EBITDA & P/E Valuation | 26.0x | 33.4x | -7.40 | CFR | /valuation <GO> |
| Free Cash Flow Yield | 1.30% | 9.46% | -8.16 | UMBF | /fcf-yield <GO> |
| Operating Margin ACTIVE | 75.00% | 29.60% | +45.40 | CFR | /operating-margins <GO> |
| Net Profit Margin | 68.00% | 24.30% | +43.70 | CFR | /net-margins <GO> |
| Revenue Growth (YoY) | 14.40% | 7.70% | +6.70 | CFR | /revenue-growth <GO> |
| Dividend Yield & FCF Payout Safety | 2.60% | 1.31% | +1.29 | CFR | /dividend-safety <GO> |
| Altman Z-Score & Debt/Equity | — | — | — | TIE | /balance-sheet <GO> |
| Piotroski F-Score Quality | 7/9 | 8/9 | -1.00 | UMBF | /piotroski-score <GO> |
| Options Implied Move & Put/Call Skew | — | — | — | TIE | /options-implied-move <GO> |
| RSI-14 & 200D SMA Momentum | 54.0 | 51.1 | +2.90 | CFR | /rsi-technicals <GO> |
| 10Y Yield & FRED Macro Beta | 0.93 | 1.02 | -0.09 | UMBF | /macro-sensitivity <GO> |
| Forward P/E Multiple | 12.7x | 13.7x | -1.00 | CFR | /forward-pe <GO> |
| Enterprise Scale & Market Cap | $9.80B | $10.21B | -$413.7M | UMBF | /market-cap <GO> |
5-YEAR HISTORICAL XBRL REVENUE & MARGIN TRAJECTORY SEC FORM 10-K FY
| FISCAL YEAR | CFR REV | UMBF REV | CFR GROSS % | UMBF GROSS % | CFR FCF | UMBF FCF |
|---|---|---|---|---|---|---|
| FY 2025 | $121.6M | $2.32B | — | — | $127.3M | $978.1M |
| FY 2024 | $106.2M | $1.46B | — | — | $861.8M | $205.3M |
| FY 2023 | $93.5M | $1.16B | — | — | $474.6M | $472.6M |
FRED MACRO REGIME CORRELATION COMPARISON PEARSON r
CFR // BETA 0.93
UMBF // BETA 1.02