Columbia Banking System (COLB) 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 Columbia Banking System (COLB) over the past year, gaining 8.3% versus a gain of 7.9%. Over five years, UMBF leads with a +28.4% price change compared with -18.8% for COLB. UMB Financial is the larger company by market cap ($9.80 billion vs $7.94 billion), about 1.2 times the size.
On valuation, Columbia Banking System trades at a lower forward P/E (8.5x vs 9.3x for UMB Financial). Columbia Banking System offers the higher dividend yield (5.24% vs 1.31%). Columbia Banking System converts more of its revenue into profit, with a net margin of 310.7% 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 | COLB | UMBF |
|---|---|---|
| Share price | $28.07 | $129.04 |
| Market cap | $7.94B | $9.80B |
| 1-day change | -0.69% | +0.65% |
| YTD return | +1.11% | +11.45% |
| 1-year return | +7.90% | +8.29% |
| 5-year return | -18.79% | +28.44% |
| P/E ratio (TTM) | 11.01 | 10.74 |
| Forward P/E | 8.48 | 9.27 |
| EPS (TTM) | $2.55 | $12.02 |
| Dividend yield | 5.24% | 1.31% |
| Annual dividend | $1.47 | $1.69 |
| Revenue (latest FY) | $177.00M | $2.65B |
| Revenue growth (YoY) | +18.79% | +62.81% |
| Net income (latest FY) | $550.00M | $702.40M |
| Net margin | 310.73% | 26.48% |
| 52-week high | $33.68 | $153.32 |
| 52-week low | $23.83 | $103.38 |
| Distance from 52-week high | -16.67% | -15.84% |
| Analyst consensus | buy | buy |
| Avg. price target upside | +19.86% | +27.91% |
| Average volume | 2.89M | 602.56K |
| Shares outstanding | 282.90M | 75.95M |
| Employees | 6,005 | 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
- Columbia Banking System offers a meaningfully higher dividend yield (5.24% vs 1.31%).
- Columbia Banking System is more profitable, keeping 310.7 cents of every revenue dollar as net income versus 26.5 cents for UMB Financial.
- UMB Financial grew revenue faster in its latest fiscal year (+62.81% vs +18.79%).
About Columbia Banking System
COLB stock →Columbia Banking System, Inc. operates as the bank holding company for Columbia Bank that provides banking, private banking, mortgage, and other financial services in the United States.
Finance · Major Banks · 6,005 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
COLB vs UMBF FAQ
Which is bigger, Columbia Banking System or UMB Financial?
UMB Financial (UMBF) is larger, with a market capitalization of $9.80B compared with $7.94B for Columbia Banking System (COLB).
Which stock has performed better over the past year, COLB or UMBF?
UMBF returned +8.29% over the past 12 months, compared with +7.90% for COLB (price return, excluding dividends). Past performance does not predict future results.
Which has the lower P/E ratio, COLB or UMBF?
UMBF has the lower trailing P/E at 10.7, versus 11.0 for COLB. 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, Columbia Banking System or UMB Financial?
Columbia Banking System has the higher yield at 5.24%, compared with 1.31% for UMB Financial.
Are Columbia Banking System and UMB Financial in the same industry?
Yes. Both are classified in the Major Banks industry within the Finance sector.