CVB Financial (CVBF) vs UMB Financial (UMBF)
Head-to-head comparison of performance, valuation, growth, profitability and dividends. Prices delayed 15 minutes; data as of Oct 9, 2026.
Summary
CVB Financial (CVBF) has outperformed UMB Financial (UMBF) over the past year, gaining 15.4% versus a gain of 9.6%. Over five years, UMBF leads with a +30.6% price change compared with +8.8% for CVBF. UMB Financial is the larger company by market cap ($9.90 billion vs $3.83 billion), about 2.6 times the size.
On valuation, UMB Financial trades at a lower forward P/E (9.4x vs 10.9x for CVB Financial). CVB Financial offers the higher dividend yield (3.68% vs 1.30%). CVB Financial converts more of its revenue into profit, with a net margin of 40.6% 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 | CVBF | UMBF |
|---|---|---|
| Share price | $21.75 | $130.39 |
| Market cap | $3.83B | $9.90B |
| 1-day change | +1.02% | +1.70% |
| YTD return | +16.94% | +13.34% |
| 1-year return | +15.45% | +9.59% |
| 5-year return | +8.80% | +30.63% |
| P/E ratio (TTM) | 15.21 | 10.85 |
| Forward P/E | 10.88 | 9.36 |
| EPS (TTM) | $1.43 | $12.02 |
| Dividend yield | 3.68% | 1.30% |
| Annual dividend | $0.80 | $1.69 |
| Revenue (latest FY) | $515.46M | $2.65B |
| Revenue growth (YoY) | +2.72% | +62.81% |
| Net income (latest FY) | $209.30M | $702.40M |
| Operating margin | 60.92% | — |
| Net margin | 40.60% | 26.48% |
| 52-week high | $23.41 | $153.32 |
| 52-week low | $17.95 | $103.38 |
| Distance from 52-week high | -7.09% | -14.96% |
| Analyst consensus | buy | buy |
| Avg. price target upside | +19.54% | +26.59% |
| Average volume | 1.32M | 609.55K |
| Shares outstanding | 176.00M | 75.95M |
| Employees | 1,079 | 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 is about 2.6 times larger than CVB Financial by market value ($9.90B vs $3.83B).
- CVB Financial trades at a higher earnings multiple (15.2x vs 10.8x trailing P/E).
- CVB Financial offers a meaningfully higher dividend yield (3.68% vs 1.30%).
- CVB Financial is more profitable, keeping 40.6 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 +2.72%).
About CVB Financial
CVBF stock →CVB Financial Corp. operates as bank holding company for Citizens Business Bank, National Association, a state-chartered bank that provides banking and financial services to small to mid-sized businesses and individuals.
Finance · Major Banks · 1,079 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
CVBF vs UMBF FAQ
Which is bigger, CVB Financial or UMB Financial?
UMB Financial (UMBF) is larger, with a market capitalization of $9.90B compared with $3.83B for CVB Financial (CVBF).
Which stock has performed better over the past year, CVBF or UMBF?
CVBF returned +15.45% over the past 12 months, compared with +9.59% for UMBF (price return, excluding dividends). Past performance does not predict future results.
Which has the lower P/E ratio, CVBF or UMBF?
UMBF has the lower trailing P/E at 10.8, versus 15.2 for CVBF. 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, CVB Financial or UMB Financial?
CVB Financial has the higher yield at 3.68%, compared with 1.30% for UMB Financial.
Are CVB Financial and UMB Financial in the same industry?
Yes. Both are classified in the Major Banks industry within the Finance sector.