Ally Financial (ALLY) vs UMB Financial (UMBF)
Head-to-head comparison of performance, valuation, growth, profitability and dividends. Prices delayed 15 minutes; data as of Oct 8, 2026.
Summary
UMB Financial (UMBF) has outperformed Ally Financial (ALLY) over the past year, gaining 8.3% versus a loss of 6.4%. Over five years, UMBF leads with a +28.4% price change compared with -31.9% for ALLY. Ally Financial is the larger company by market cap ($11.37 billion vs $9.74 billion), about 1.2 times the size, while UMB Financial is growing revenue faster (+62.8% vs -3.3%).
On valuation, Ally Financial trades at a lower forward P/E (6.0x vs 9.2x for UMB Financial). Ally Financial offers the higher dividend yield (3.21% vs 1.32%). UMB Financial converts more of its revenue into profit, with a net margin of 26.5% versus 10.8%.
Summary generated from market data by MetaCap's automated system. Methodology
Relative performance
Percent change in share price from the first common trading day shown; excludes dividends.
Head-to-head
| Metric | ALLY | UMBF |
|---|---|---|
| Share price | $37.37 | $128.21 |
| Market cap | $11.37B | $9.74B |
| 1-day change | -0.66% | -1.44% |
| YTD return | -17.49% | +11.45% |
| 1-year return | -6.39% | +8.29% |
| 5-year return | -31.93% | +28.44% |
| P/E ratio (TTM) | 8.86 | 10.67 |
| Forward P/E | 6.02 | 9.21 |
| EPS (TTM) | $4.22 | $12.02 |
| Dividend yield | 3.21% | 1.32% |
| Annual dividend | $1.20 | $1.69 |
| Revenue (latest FY) | $7.91B | $2.65B |
| Revenue growth (YoY) | -3.26% | +62.81% |
| Net income (latest FY) | $852.00M | $702.40M |
| Net margin | 10.77% | 26.48% |
| 52-week high | $47.29 | $153.32 |
| 52-week low | $35.92 | $103.38 |
| Distance from 52-week high | -20.98% | -16.38% |
| Analyst consensus | buy | buy |
| Avg. price target upside | +34.55% | +28.74% |
| Average volume | 3.32M | 598.91K |
| Shares outstanding | 304.20M | 75.95M |
| Employees | 10,300 | 5,222 |
| Sector | Finance | Financial Services |
| Industry | Major Banks | Banks - Regional |
Highlighted cells mark the higher value for growth, returns, margins and yield, and the lower value for P/E ratios. Highlighting is a mechanical comparison, not a recommendation.
Key differences
- UMBF has outperformed ALLY by 14.7 percentage points over the past year.
- Ally Financial offers a meaningfully higher dividend yield (3.21% vs 1.32%).
- UMB Financial is more profitable, keeping 26.5 cents of every revenue dollar as net income versus 10.8 cents for Ally Financial.
- UMB Financial grew revenue faster in its latest fiscal year (+62.81% vs -3.26%).
- The two companies sit in different sectors: Ally Financial in Finance and UMB Financial in Financial Services.
About Ally Financial
ALLY stock →Ally Financial Inc., a digital financial-services company, provides various digital financial products and services in the United States and Canada. The company operates through Automotive Finance operations, Insurance operations, and Corporate Finance operations.
Finance · Major Banks · 10,300 employees
About UMB Financial
UMBF stock →UMB Financial Corporation operates as a bank holding company that provides banking services and asset servicing in the United States and internationally. The company operates through three segments: Commercial Banking, Institutional Banking, and Personal Banking.
Financial Services · Banks - Regional · 5,222 employees
ALLY vs UMBF FAQ
Which is bigger, Ally Financial or UMB Financial?
Ally Financial (ALLY) is larger, with a market capitalization of $11.37B compared with $9.74B for UMB Financial (UMBF).
Which stock has performed better over the past year, ALLY or UMBF?
UMBF returned +8.29% over the past 12 months, compared with -6.39% for ALLY (price return, excluding dividends). Past performance does not predict future results.
Which has the lower P/E ratio, ALLY or UMBF?
ALLY has the lower trailing P/E at 8.9, versus 10.7 for UMBF. A lower P/E is not by itself a sign of a better investment; it can reflect slower expected growth or higher risk.
Which pays a higher dividend, Ally Financial or UMB Financial?
Ally Financial has the higher yield at 3.21%, compared with 1.32% for UMB Financial.
Are Ally Financial and UMB Financial in the same industry?
No. Ally Financial is in the Finance sector, while UMB Financial is in Financial Services.