Regions Financial (RF) 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 Regions Financial (RF) over the past year, gaining 8.3% versus a gain of 3.8%. Over five years, UMBF leads with a +28.4% price change compared with +19.0% for RF. Regions Financial is the larger company by market cap ($22.75 billion vs $9.74 billion), about 2.3 times the size, while UMB Financial is growing revenue faster (+62.8% vs +6.3%).
On valuation, UMB Financial trades at a lower forward P/E (9.2x vs 9.4x for Regions Financial). Regions Financial offers the higher dividend yield (3.97% vs 1.32%). Regions Financial converts more of its revenue into profit, with a net margin of 28.6% 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 | RF | UMBF |
|---|---|---|
| Share price | $26.70 | $128.21 |
| Market cap | $22.75B | $9.74B |
| 1-day change | -1.29% | -1.44% |
| YTD return | -1.48% | +11.45% |
| 1-year return | +3.77% | +8.29% |
| 5-year return | +19.04% | +28.44% |
| P/E ratio (TTM) | 10.90 | 10.67 |
| Forward P/E | 9.37 | 9.21 |
| EPS (TTM) | $2.45 | $12.02 |
| Dividend yield | 3.97% | 1.32% |
| Annual dividend | $1.06 | $1.69 |
| Revenue (latest FY) | $7.53B | $2.65B |
| Revenue growth (YoY) | +6.25% | +62.81% |
| Net income (latest FY) | $2.16B | $702.40M |
| Operating margin | 0.70% | — |
| Net margin | 28.65% | 26.48% |
| 52-week high | $32.47 | $153.32 |
| 52-week low | $22.70 | $103.38 |
| Distance from 52-week high | -17.77% | -16.38% |
| Analyst consensus | hold | buy |
| Avg. price target upside | +19.96% | +28.74% |
| Average volume | 8.97M | 598.91K |
| Shares outstanding | 851.93M | 75.95M |
| Employees | 20,003 | 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
- Regions Financial is about 2.3 times larger than UMB Financial by market value ($22.75B vs $9.74B).
- Regions Financial offers a meaningfully higher dividend yield (3.97% vs 1.32%).
- UMB Financial grew revenue faster in its latest fiscal year (+62.81% vs +6.25%).
About Regions Financial
RF stock →Regions Financial Corporation, a financial holding company, provides various banking and related products and services to individual and corporate customers. It operates through three segments: Corporate Bank, Consumer Bank, and Wealth Management.
Finance · Major Banks · 20,003 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
RF vs UMBF FAQ
Which is bigger, Regions Financial or UMB Financial?
Regions Financial (RF) is larger, with a market capitalization of $22.75B compared with $9.74B for UMB Financial (UMBF).
Which stock has performed better over the past year, RF or UMBF?
UMBF returned +8.29% over the past 12 months, compared with +3.77% for RF (price return, excluding dividends). Past performance does not predict future results.
Which has the lower P/E ratio, RF or UMBF?
UMBF has the lower trailing P/E at 10.7, versus 10.9 for RF. 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, Regions Financial or UMB Financial?
Regions Financial has the higher yield at 3.97%, compared with 1.32% for UMB Financial.
Are Regions Financial and UMB Financial in the same industry?
Yes. Both are classified in the Major Banks industry within the Finance sector.