COMP <GO>
UMBF vs BPOP // OPTIONS IMPLIED MOVE & PUT/CALL SKEW
UMB Financial Corporation (NASDAQ) VS. Popular Inc. (NASDAQ) • 15-METRIC TALLY: UMBF 6
— BPOP 6
■ METRIC PARITY
LAST: $137.46 (+2.22%) • MKT CAP: $10.21B
options-implied-move
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LAST: $158.96 (+1.50%) • MKT CAP: $9.99B
options-implied-move
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15-METRIC INSTITUTIONAL SIDE-BY-SIDE SCORECARD (UMBF VS. BPOP)
EMERALD CELL = QUANTITATIVE EDGE
| INSTITUTIONAL METRIC | UMBF | BPOP | SPREAD (A - B) | ADVANTAGE | DEDICATED URL |
|---|---|---|---|---|---|
| Gross Profit Margin | — | — | — | TIE | /gross-margins <GO> |
| Return on Invested Capital (ROIC) | 2.50% | 3.10% | -0.60 | BPOP | /roic <GO> |
| EV/EBITDA & P/E Valuation | 33.4x | 25.4x | +8.00 | BPOP | /valuation <GO> |
| Free Cash Flow Yield | 9.46% | 6.74% | +2.72 | UMBF | /fcf-yield <GO> |
| Operating Margin | 29.60% | 35.90% | -6.30 | BPOP | /operating-margins <GO> |
| Net Profit Margin | 24.30% | 29.40% | -5.10 | BPOP | /net-margins <GO> |
| Revenue Growth (YoY) | 7.70% | -4.40% | +12.10 | UMBF | /revenue-growth <GO> |
| Dividend Yield & FCF Payout Safety | 1.31% | 1.95% | -0.64 | BPOP | /dividend-safety <GO> |
| Altman Z-Score & Debt/Equity | — | — | — | TIE | /balance-sheet <GO> |
| Piotroski F-Score Quality | 8/9 | 7/9 | +1.00 | UMBF | /piotroski-score <GO> |
| Options Implied Move & Put/Call Skew ACTIVE | — | — | — | TIE | /options-implied-move <GO> |
| RSI-14 & 200D SMA Momentum | 51.1 | 43.3 | +7.80 | UMBF | /rsi-technicals <GO> |
| 10Y Yield & FRED Macro Beta | 1.02 | 0.97 | +0.05 | UMBF | /macro-sensitivity <GO> |
| Forward P/E Multiple | 13.7x | 11.3x | +2.40 | BPOP | /forward-pe <GO> |
| Enterprise Scale & Market Cap | $10.21B | $9.99B | $225.0M | UMBF | /market-cap <GO> |
5-YEAR HISTORICAL XBRL REVENUE & MARGIN TRAJECTORY SEC FORM 10-K FY
| FISCAL YEAR | UMBF REV | BPOP REV | UMBF GROSS % | BPOP GROSS % | UMBF FCF | BPOP FCF |
|---|---|---|---|---|---|---|
| FY 2025 | $2.32B | $2.75B | — | — | $978.1M | $681.0M |
| FY 2024 | $1.46B | $2.03B | — | — | $205.3M | $461.3M |
| FY 2023 | $1.16B | $1.79B | — | — | $472.6M | $686.6M |
FRED MACRO REGIME CORRELATION COMPARISON PEARSON r
UMBF // BETA 1.02
BPOP // BETA 0.97