First Horizon (FHN) 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 First Horizon (FHN) over the past year, gaining 8.3% versus a gain of 0.0%. Over five years, FHN leads with a +36.8% price change compared with +28.4% for UMBF. First Horizon is the larger company by market cap ($10.87 billion vs $9.84 billion), about 1.1 times the size, while UMB Financial is growing revenue faster (+62.8% vs +7.2%).
On valuation, UMB Financial trades at a lower forward P/E (9.3x vs 9.9x for First Horizon). First Horizon offers the higher dividend yield (2.79% vs 1.30%). First Horizon converts more of its revenue into profit, with a net margin of 28.7% 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 | FHN | UMBF |
|---|---|---|
| Share price | $22.94 | $129.58 |
| Market cap | $10.87B | $9.84B |
| 1-day change | -0.22% | +1.07% |
| YTD return | -3.81% | +11.45% |
| 1-year return | +0.04% | +8.29% |
| 5-year return | +36.85% | +28.44% |
| P/E ratio (TTM) | 11.03 | 10.78 |
| Forward P/E | 9.89 | 9.31 |
| EPS (TTM) | $2.08 | $12.02 |
| Dividend yield | 2.79% | 1.30% |
| Annual dividend | $0.64 | $1.69 |
| Revenue (latest FY) | $3.42B | $2.65B |
| Revenue growth (YoY) | +7.18% | +62.81% |
| Net income (latest FY) | $982.00M | $702.40M |
| Net margin | 28.72% | 26.48% |
| 52-week high | $26.56 | $153.32 |
| 52-week low | $19.80 | $103.38 |
| Distance from 52-week high | -13.63% | -15.48% |
| Analyst consensus | buy | buy |
| Avg. price target upside | +19.66% | +27.38% |
| Average volume | 5.33M | 602.56K |
| Shares outstanding | 473.78M | 75.95M |
| Employees | 7,400 | 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
- First Horizon offers a meaningfully higher dividend yield (2.79% vs 1.30%).
- UMB Financial grew revenue faster in its latest fiscal year (+62.81% vs +7.18%).
About First Horizon
FHN stock →First Horizon Corporation operates as the bank holding company for First Horizon Bank that provides various financial services. It operates through Regional Banking, Specialty Banking, and Corporate segments.
Finance · Major Banks · 7,400 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
FHN vs UMBF FAQ
Which is bigger, First Horizon or UMB Financial?
First Horizon (FHN) is larger, with a market capitalization of $10.87B compared with $9.84B for UMB Financial (UMBF).
Which stock has performed better over the past year, FHN or UMBF?
UMBF returned +8.29% over the past 12 months, compared with +0.04% for FHN (price return, excluding dividends). Past performance does not predict future results.
Which has the lower P/E ratio, FHN or UMBF?
UMBF has the lower trailing P/E at 10.8, versus 11.0 for FHN. 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, First Horizon or UMB Financial?
First Horizon has the higher yield at 2.79%, compared with 1.30% for UMB Financial.
Are First Horizon and UMB Financial in the same industry?
Yes. Both are classified in the Major Banks industry within the Finance sector.