Pinnacle Financial Partners (PNFP) vs UMB Financial (UMBF)
Head-to-head comparison of performance, valuation, growth, profitability and dividends. Prices delayed 15 minutes; data as of Oct 7, 2026.
Summary
UMB Financial (UMBF) has outperformed Pinnacle Financial Partners (PNFP) over the past year, gaining 8.3% versus a gain of 1.3%. Over five years, UMBF leads with a +28.4% price change compared with -6.7% for PNFP. Pinnacle Financial Partners is the larger company by market cap ($14.07 billion vs $9.74 billion), about 1.4 times the size, while UMB Financial is growing revenue faster (+62.8% vs +18.3%).
On valuation, Pinnacle Financial Partners trades at a lower forward P/E (8.1x vs 9.2x for UMB Financial). Pinnacle Financial Partners offers the higher dividend yield (1.59% vs 1.32%). Pinnacle Financial Partners converts more of its revenue into profit, with a net margin of 31.2% 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 | PNFP | UMBF |
|---|---|---|
| Share price | $93.09 | $128.21 |
| Market cap | $14.07B | $9.74B |
| 1-day change | -3.17% | -1.44% |
| YTD return | -2.43% | +11.45% |
| 1-year return | +1.27% | +8.29% |
| 5-year return | -6.70% | +28.44% |
| P/E ratio (TTM) | 12.82 | 10.67 |
| Forward P/E | 8.09 | 9.21 |
| EPS (TTM) | $7.26 | $12.02 |
| Dividend yield | 1.59% | 1.32% |
| Annual dividend | $1.48 | $1.69 |
| Revenue (latest FY) | $2.05B | $2.65B |
| Revenue growth (YoY) | +18.31% | +62.81% |
| Net income (latest FY) | $641.87M | $702.40M |
| Net margin | 31.24% | 26.48% |
| 52-week high | $110.33 | $153.32 |
| 52-week low | $81.08 | $103.38 |
| Distance from 52-week high | -15.63% | -16.38% |
| Analyst consensus | buy | buy |
| Avg. price target upside | +28.03% | +28.74% |
| Average volume | 1.11M | 598.91K |
| Shares outstanding | 151.11M | 75.95M |
| Employees | 8,433 | 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 +18.31%).
About Pinnacle Financial Partners
PNFP stock →Pinnacle Financial Partners, Inc. operates as the bank holding company for Pinnacle Bank that provides various banking products and services to individuals, businesses, and professional entities in the United States.
Finance · Major Banks · 8,433 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
PNFP vs UMBF FAQ
Which is bigger, Pinnacle Financial Partners or UMB Financial?
Pinnacle Financial Partners (PNFP) is larger, with a market capitalization of $14.07B compared with $9.74B for UMB Financial (UMBF).
Which stock has performed better over the past year, PNFP or UMBF?
UMBF returned +8.29% over the past 12 months, compared with +1.27% for PNFP (price return, excluding dividends). Past performance does not predict future results.
Which has the lower P/E ratio, PNFP or UMBF?
UMBF has the lower trailing P/E at 10.7, versus 12.8 for PNFP. 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, Pinnacle Financial Partners or UMB Financial?
Pinnacle Financial Partners has the higher yield at 1.59%, compared with 1.32% for UMB Financial.
Are Pinnacle Financial Partners and UMB Financial in the same industry?
Yes. Both are classified in the Major Banks industry within the Finance sector.