UMBF vs ZION: stock comparison and AI forecast
Umb Financial Corp (UMBF) and Zions Bancorporation, National Association /Ut/ (ZION) compared on price performance, valuation, profitability and the daily AI forecast. · Alpha · vs market
Share
UMBF Umb Financial Corp
- Price
- $134.70 +2.7% · 6M
- Market Cap
- $10.23B
- P/E Ratio
- 10.1x
- Size
- large-cap
- AI Forecast
ZION Zions Bancorporation, National Association /Ut/
- Price
- $64.93 +3.5% · 6M
- Market Cap
- $9.48B
- P/E Ratio
- 8.0x
- Size
- mid-cap
- AI Forecast
Which one does the AI model favor?
Intratio's model scores both stocks every trading day. Sign in to see their current direction; the exact ratings and forecasts come with a plan or a free follow slot.
Six-month price performance
Closing prices rebased to 100 at the start of the window.
Key facts
- UMBF and ZION have similar market capitalizations ($10.23B and $9.48B).
- ZION trades at 8.0 times trailing earnings, UMBF at 10.1 times.
- Over the last six months ZION returned +3.5% and UMBF +2.7%.
- ZION turns 167.6% of its revenue into net income, against 35.6% for UMBF.
- ZION carries 10.83 times debt per unit of equity, against 8.26 times for UMBF.
- ZION yields 2.91% in dividends and UMBF 1.59%.
- Both companies share the SEC industry classification National Commercial Banks.
Fundamentals side by side
Trailing twelve months.
Valuation & Market
| Metric | UMBF | ZION |
|---|---|---|
| Market Cap | $10.23B | $9.48B |
| P/E Ratio | 10.08x | 7.96x |
| P/B Ratio | 1.30x | 1.23x |
| Dividend Yield | 1.59% | 2.91% |
| EPS | $13.37 | $8.16 |
| Book Value/Share | $103.39 | $52.65 |
| Revenue/Share | $38.17 | $4.95 |
| FCF/Share | $15.03 | $14.57 |
Profitability & Margins
| Metric | UMBF | ZION |
|---|---|---|
| ROE | 13.2% | 15.8% |
| ROA | 1.4% | 1.3% |
| Net Margin | 35.6% | 167.6% |
| EBT Margin | 44.6% | -205.9% |
| Tax Rate | 20.2% | -22.8% |
Financial Health
| Metric | UMBF | ZION |
|---|---|---|
| D/E Ratio | 8.26x | 10.83x |
| Financial Leverage | 9.26x | 11.83x |
Cash Flow
| Metric | UMBF | ZION |
|---|---|---|
| Operating Cash Flow | $1.19B | $2.26B |
| Free Cash Flow | $1.14B | $2.13B |
| Capital Spending | -$45M | -$130M |
| OCF Growth YoY | 39.0% | 110.5% |
| FCF Growth YoY | 41.7% | 121.3% |
| FCF/Sales | 39.4% | 294.2% |
| CapEx/Sales | 1.6% | 18.0% |
Operational Efficiency
| Metric | UMBF | ZION |
|---|---|---|
| Asset Turnover | 0.04x | 0.01x |
| Fixed Assets Turnover | 7.3x | 0.5x |
Income Statement
| Metric | UMBF | ZION |
|---|---|---|
| Total Revenue | $2.90B | $723M |
| Net Income | $1.03B | $1.21B |
Dividend & Shareholder Information
| Metric | UMBF | ZION |
|---|---|---|
| Dividends Per Share | $2.14 | $1.89 |
| Payout Ratio | 16.0% | 23.2% |
| Shares Outstanding | 76M | 146M |
| Net Income Growth | 70.1% | 42.2% |
| EPS Growth | 51.4% | 24.8% |
UMBF vs ZION: stock comparison and AI forecast
Which is bigger, UMBF or ZION?
UMBF and ZION have similar market capitalizations ($10.23B and $9.48B).
Which is cheaper on earnings, UMBF or ZION?
ZION trades at 8.0 times trailing earnings, UMBF at 10.1 times.
Which stock performed better over the last six months, UMBF or ZION?
Over the last six months ZION returned +3.5% and UMBF +2.7%.
Which one does Intratio's AI model rank higher, UMBF or ZION?
Intratio's model scores both stocks every trading day. Sign in to see their current direction; the exact ratings and forecasts come with a plan or a free follow slot.
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This analysis is generated automatically using our proprietary AI systems and should not be considered personalized investment advice. Past performance does not guarantee future results. Always conduct your own research and consider consulting a financial advisor before making investment decisions.