COMP <GO>
UMBF vs MS // OPTIONS IMPLIED MOVE & PUT/CALL SKEW
UMB Financial Corporation (NASDAQ) VS. Morgan Stanley (NYSE) • 15-METRIC TALLY: UMBF 7
— MS 6
■ METRIC PARITY
LAST: $134.47 (-1.24%) • MKT CAP: $10.34B
options-implied-move
7.00%
LAST: $184.30 (-3.00%) • MKT CAP: $298.41B
options-implied-move
7.00%
15-METRIC INSTITUTIONAL SIDE-BY-SIDE SCORECARD (UMBF VS. MS)
EMERALD CELL = QUANTITATIVE EDGE
| INSTITUTIONAL METRIC | UMBF | MS | 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% | 3.00% | -0.50 | MS | /roic <GO> |
| EV/EBITDA & P/E Valuation | 33.4x | 31.0x | +2.40 | MS | /valuation <GO> |
| Free Cash Flow Yield | 9.46% | -7.25% | +16.71 | UMBF | /fcf-yield <GO> |
| Operating Margin | 29.60% | 24.60% | +5.00 | UMBF | /operating-margins <GO> |
| Net Profit Margin | 24.30% | 20.20% | +4.10 | UMBF | /net-margins <GO> |
| Revenue Growth (YoY) | 7.70% | 5.50% | +2.20 | UMBF | /revenue-growth <GO> |
| Dividend Yield & FCF Payout Safety | 1.31% | 2.21% | -0.90 | MS | /dividend-safety <GO> |
| Altman Z-Score & Debt/Equity | 0.45 | 0.46 | -0.01 | MS | /balance-sheet <GO> |
| Piotroski F-Score Quality | 8/9 | 5/9 | +3.00 | UMBF | /piotroski-score <GO> |
| Options Implied Move & Put/Call Skew ACTIVE | 7.00% | 7.00% | 0.00 | TIE | /options-implied-move <GO> |
| RSI-14 & 200D SMA Momentum | 52.0 | 43.3 | +8.70 | UMBF | /rsi-technicals <GO> |
| 10Y Yield & FRED Macro Beta | 1.02 | 1.04 | -0.02 | MS | /macro-sensitivity <GO> |
| Forward P/E Multiple | 13.7x | 16.5x | -2.80 | UMBF | /forward-pe <GO> |
| Enterprise Scale & Market Cap | $10.34B | $298.41B | -$288.07B | MS | /market-cap <GO> |
5-YEAR HISTORICAL XBRL REVENUE & MARGIN TRAJECTORY SEC FORM 10-K FY
| FISCAL YEAR | UMBF REV | MS REV | UMBF GROSS % | MS GROSS % | UMBF FCF | MS FCF |
|---|---|---|---|---|---|---|
| FY 2025 | $0 | $0 | — | — | $978.1M | -$17.89B |
| FY 2024 | $0 | $0 | — | — | $205.3M | $1.36B |
| FY 2023 | $0 | $0 | — | — | $472.6M | -$33.54B |
FRED MACRO REGIME CORRELATION COMPARISON PEARSON r
UMBF // BETA 1.02
MS // BETA 1.04