Cullen/Frost Bankers (CFR) 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
Cullen/Frost Bankers (CFR) has outperformed UMB Financial (UMBF) over the past year, gaining 18.0% versus a gain of 8.3%. Over five years, UMBF leads with a +28.4% price change compared with +21.6% for CFR. UMB Financial is the larger company by market cap ($9.74 billion vs $9.35 billion), about 1.0 times the size.
On valuation, UMB Financial trades at a lower forward P/E (9.2x vs 12.6x for Cullen/Frost Bankers). Cullen/Frost Bankers offers the higher dividend yield (2.68% vs 1.32%). Cullen/Frost Bankers converts more of its revenue into profit, with a net margin of 29.0% 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 | CFR | UMBF |
|---|---|---|
| Share price | $150.37 | $128.21 |
| Market cap | $9.35B | $9.74B |
| 1-day change | -1.69% | -1.44% |
| YTD return | +18.75% | +11.45% |
| 1-year return | +18.00% | +8.29% |
| 5-year return | +21.60% | +28.44% |
| P/E ratio (TTM) | 14.21 | 10.67 |
| Forward P/E | 12.61 | 9.21 |
| EPS (TTM) | $10.58 | $12.02 |
| Dividend yield | 2.68% | 1.32% |
| Annual dividend | $4.03 | $1.69 |
| Revenue (latest FY) | $2.24B | $2.65B |
| Revenue growth (YoY) | +8.31% | +62.81% |
| Net income (latest FY) | $648.56M | $702.40M |
| Net margin | 29.02% | 26.48% |
| 52-week high | $170.80 | $153.32 |
| 52-week low | $119.00 | $103.38 |
| Distance from 52-week high | -11.96% | -16.38% |
| Analyst consensus | hold | buy |
| Avg. price target upside | +15.29% | +28.74% |
| Average volume | 538.31K | 602.56K |
| Shares outstanding | 62.15M | 75.95M |
| Employees | 6,008 | 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
- Cullen/Frost Bankers trades at a higher earnings multiple (14.2x vs 10.7x trailing P/E).
- Cullen/Frost Bankers offers a meaningfully higher dividend yield (2.68% vs 1.32%).
- UMB Financial grew revenue faster in its latest fiscal year (+62.81% vs +8.31%).
About Cullen/Frost Bankers
CFR stock →Cullen/Frost Bankers, Inc. operates as the bank holding company for Frost Bank that provides commercial and consumer banking services in Texas.
Finance · Major Banks · 6,008 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
CFR vs UMBF FAQ
Which is bigger, Cullen/Frost Bankers or UMB Financial?
UMB Financial (UMBF) is larger, with a market capitalization of $9.74B compared with $9.35B for Cullen/Frost Bankers (CFR).
Which stock has performed better over the past year, CFR or UMBF?
CFR returned +18.00% over the past 12 months, compared with +8.29% for UMBF (price return, excluding dividends). Past performance does not predict future results.
Which has the lower P/E ratio, CFR or UMBF?
UMBF has the lower trailing P/E at 10.7, versus 14.2 for CFR. 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, Cullen/Frost Bankers or UMB Financial?
Cullen/Frost Bankers has the higher yield at 2.68%, compared with 1.32% for UMB Financial.
Are Cullen/Frost Bankers and UMB Financial in the same industry?
Yes. Both are classified in the Major Banks industry within the Finance sector.