COMP <GO>
UMBF vs BAC // FREE CASH FLOW YIELD
UMB Financial Corporation (NASDAQ) VS. Bank of America Corporation (NYSE) • 15-METRIC TALLY: UMBF 6
— BAC 6
▲ FREE CASH FLOW YIELD LEADER: UMBF
LAST: $134.47 (-1.24%) • MKT CAP: $10.34B
fcf-yield
9.46%
LAST: $50.01 (-2.21%) • MKT CAP: $357.61B
fcf-yield
2.10%
15-METRIC INSTITUTIONAL SIDE-BY-SIDE SCORECARD (UMBF VS. BAC)
EMERALD CELL = QUANTITATIVE EDGE
| INSTITUTIONAL METRIC | UMBF | BAC | SPREAD (A - B) | ADVANTAGE | DEDICATED URL |
|---|---|---|---|---|---|
| Gross Profit Margin | 41.00% | 41.00% | 0.00 | TIE | /gross-margins <GO> |
| Return on Invested Capital (ROIC) | 2.50% | 2.50% | 0.00 | TIE | /roic <GO> |
| EV/EBITDA & P/E Valuation | 33.4x | 30.2x | +3.20 | BAC | /valuation <GO> |
| Free Cash Flow Yield ACTIVE | 9.46% | 2.10% | +7.36 | UMBF | /fcf-yield <GO> |
| Operating Margin | 29.60% | 32.90% | -3.30 | BAC | /operating-margins <GO> |
| Net Profit Margin | 24.30% | 27.00% | -2.70 | BAC | /net-margins <GO> |
| Revenue Growth (YoY) | 7.70% | 6.80% | +0.90 | UMBF | /revenue-growth <GO> |
| Dividend Yield & FCF Payout Safety | 1.31% | 0.00% | +1.31 | UMBF | /dividend-safety <GO> |
| Altman Z-Score & Debt/Equity | 0.45 | 0.45 | 0.00 | TIE | /balance-sheet <GO> |
| Piotroski F-Score Quality | 8/9 | 7/9 | +1.00 | UMBF | /piotroski-score <GO> |
| Options Implied Move & Put/Call Skew | 7.00% | 6.60% | +0.40 | BAC | /options-implied-move <GO> |
| RSI-14 & 200D SMA Momentum | 52.0 | 27.7 | +24.32 | UMBF | /rsi-technicals <GO> |
| 10Y Yield & FRED Macro Beta | 1.02 | 0.90 | +0.12 | UMBF | /macro-sensitivity <GO> |
| Forward P/E Multiple | 13.7x | 10.9x | +2.80 | BAC | /forward-pe <GO> |
| Enterprise Scale & Market Cap | $10.34B | $357.61B | -$347.27B | BAC | /market-cap <GO> |
5-YEAR HISTORICAL XBRL REVENUE & MARGIN TRAJECTORY SEC FORM 10-K FY
| FISCAL YEAR | UMBF REV | BAC REV | UMBF GROSS % | BAC GROSS % | UMBF FCF | BAC FCF |
|---|---|---|---|---|---|---|
| FY 2025 | $0 | $113.10B | — | 44.0% | $978.1M | $7.52B |
| FY 2024 | $0 | $105.86B | — | 44.0% | $205.3M | -$13.57B |
| FY 2023 | $0 | $102.77B | — | 44.0% | $472.6M | $40.36B |
FRED MACRO REGIME CORRELATION COMPARISON PEARSON r
UMBF // BETA 1.02
BAC // BETA 0.90