United Community Banks (UCB) 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 United Community Banks (UCB) over the past year, gaining 8.3% versus a gain of 3.7%. Over five years, UMBF leads with a +28.4% price change compared with -2.1% for UCB. UMB Financial is the larger company by market cap ($9.74 billion vs $3.98 billion), about 2.4 times the size.
On valuation, UMB Financial trades at a lower forward P/E (9.2x vs 9.9x for United Community Banks). United Community Banks offers the higher dividend yield (3.01% vs 1.32%). United Community Banks converts more of its revenue into profit, with a net margin of 30.9% 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 | UCB | UMBF |
|---|---|---|
| Share price | $33.26 | $128.21 |
| Market cap | $3.98B | $9.74B |
| 1-day change | -1.36% | -1.44% |
| YTD return | +6.53% | +11.45% |
| 1-year return | +3.71% | +8.29% |
| 5-year return | -2.06% | +28.44% |
| P/E ratio (TTM) | 10.87 | 10.67 |
| Forward P/E | 9.91 | 9.21 |
| EPS (TTM) | $3.06 | $12.02 |
| Dividend yield | 3.01% | 1.32% |
| Annual dividend | $1.00 | $1.69 |
| Revenue (latest FY) | $1.06B | $2.65B |
| Revenue growth (YoY) | +11.66% | +62.81% |
| Net income (latest FY) | $328.10M | $702.40M |
| Net margin | 30.86% | 26.48% |
| 52-week high | $37.18 | $153.32 |
| 52-week low | $28.65 | $103.38 |
| Distance from 52-week high | -10.54% | -16.38% |
| Analyst consensus | buy | buy |
| Avg. price target upside | +20.78% | +28.74% |
| Average volume | 857.82K | 598.91K |
| Shares outstanding | 119.76M | 75.95M |
| Employees | 3,141 | 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 2.4 times larger than United Community Banks by market value ($9.74B vs $3.98B).
- United Community Banks offers a meaningfully higher dividend yield (3.01% vs 1.32%).
- UMB Financial grew revenue faster in its latest fiscal year (+62.81% vs +11.66%).
About United Community Banks
UCB stock →United Community Banks, Inc. operates as the bank holding company for United Community Bank that provides financial services in the United States.
Finance · Major Banks · 3,141 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
UCB vs UMBF FAQ
Which is bigger, United Community Banks or UMB Financial?
UMB Financial (UMBF) is larger, with a market capitalization of $9.74B compared with $3.98B for United Community Banks (UCB).
Which stock has performed better over the past year, UCB or UMBF?
UMBF returned +8.29% over the past 12 months, compared with +3.71% for UCB (price return, excluding dividends). Past performance does not predict future results.
Which has the lower P/E ratio, UCB or UMBF?
UMBF has the lower trailing P/E at 10.7, versus 10.9 for UCB. 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, United Community Banks or UMB Financial?
United Community Banks has the higher yield at 3.01%, compared with 1.32% for UMB Financial.
Are United Community Banks and UMB Financial in the same industry?
Yes. Both are classified in the Major Banks industry within the Finance sector.