BOK Financial (BOKF) 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 BOK Financial (BOKF) over the past year, gaining 9.6% versus a gain of 9.4%. Over five years, BOKF leads with a +33.5% price change compared with +30.6% for UMBF. UMB Financial is the larger company by market cap ($9.90 billion vs $7.68 billion), about 1.3 times the size.
On valuation, UMB Financial trades at a lower forward P/E (9.4x vs 11.8x for BOK Financial). BOK Financial offers the higher dividend yield (1.99% vs 1.30%). BOK Financial converts more of its revenue into profit, with a net margin of 26.6% versus 26.5%.
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 | BOKF | UMBF |
|---|---|---|
| Share price | $126.42 | $130.39 |
| Market cap | $7.68B | $9.90B |
| 1-day change | +0.81% | +1.70% |
| YTD return | +6.72% | +13.34% |
| 1-year return | +9.43% | +9.59% |
| 5-year return | +33.54% | +30.63% |
| P/E ratio (TTM) | 11.92 | 10.85 |
| Forward P/E | 11.80 | 9.37 |
| EPS (TTM) | $10.61 | $12.02 |
| Dividend yield | 1.99% | 1.30% |
| Annual dividend | $2.52 | $1.69 |
| Revenue (latest FY) | $2.18B | $2.65B |
| Revenue growth (YoY) | +6.10% | +62.81% |
| Net income (latest FY) | $577.99M | $702.40M |
| Net margin | 26.57% | 26.48% |
| 52-week high | $146.84 | $153.32 |
| 52-week low | $102.72 | $103.38 |
| Distance from 52-week high | -13.91% | -14.96% |
| Analyst consensus | hold | buy |
| Avg. price target upside | +16.81% | +26.59% |
| Average volume | 252.90K | 602.56K |
| Shares outstanding | 60.77M | 75.95M |
| Employees | 4,970 | 5,222 |
| Sector | Finance | Finance |
| Industry | Major Banks | Major Banks |
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
- UMB Financial grew revenue faster in its latest fiscal year (+62.81% vs +6.10%).
About BOK Financial
BOKF stock →BOK Financial Corporation operates as the financial holding company for BOKF, NA that provides various financial products and services in Oklahoma, Texas, New Mexico, Northwest Arkansas, Colorado, Arizona, and Kansas/Missouri. It operates through three segments: Commercial Banking, Consumer Banking, and Wealth Management.
Finance · Major Banks · 4,970 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.
Finance · Major Banks · 5,222 employees
BOKF vs UMBF FAQ
Which is bigger, BOK Financial or UMB Financial?
UMB Financial (UMBF) is larger, with a market capitalization of $9.90B compared with $7.68B for BOK Financial (BOKF).
Which stock has performed better over the past year, BOKF or UMBF?
UMBF returned +9.59% over the past 12 months, compared with +9.43% for BOKF (price return, excluding dividends). Past performance does not predict future results.
Which has the lower P/E ratio, BOKF or UMBF?
UMBF has the lower trailing P/E at 10.8, versus 11.9 for BOKF. 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, BOK Financial or UMB Financial?
BOK Financial has the higher yield at 1.99%, compared with 1.30% for UMB Financial.
Are BOK Financial and UMB Financial in the same industry?
Yes. Both are classified in the Major Banks industry within the Finance sector.