UMB Financial (UMBF) vs Wintrust Financial (WTFC)
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 Wintrust Financial (WTFC) over the past year, gaining 8.3% versus a gain of 8.2%. Over five years, WTFC leads with a +69.7% price change compared with +28.4% for UMBF. UMB Financial is the larger company by market cap ($9.74 billion vs $9.61 billion), about 1.0 times the size.
On valuation, UMB Financial trades at a lower forward P/E (9.2x vs 10.3x for Wintrust Financial). Wintrust Financial offers the higher dividend yield (1.47% vs 1.32%). Wintrust Financial converts more of its revenue into profit, with a net margin of 310.1% 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 | UMBF | WTFC |
|---|---|---|
| Share price | $128.21 | $142.49 |
| Market cap | $9.74B | $9.61B |
| 1-day change | -1.44% | -1.69% |
| YTD return | +11.45% | +1.91% |
| 1-year return | +8.29% | +8.22% |
| 5-year return | +28.44% | +69.67% |
| P/E ratio (TTM) | 10.67 | 11.44 |
| Forward P/E | 9.21 | 10.30 |
| EPS (TTM) | $12.02 | $12.45 |
| Dividend yield | 1.32% | 1.47% |
| Annual dividend | $1.69 | $2.10 |
| Revenue (latest FY) | $2.65B | $265.63M |
| Revenue growth (YoY) | +62.81% | +5.94% |
| Net income (latest FY) | $702.40M | $823.84M |
| Net margin | 26.48% | 310.14% |
| 52-week high | $153.32 | $167.22 |
| 52-week low | $103.38 | $119.61 |
| Distance from 52-week high | -16.38% | -14.79% |
| Analyst consensus | buy | buy |
| Avg. price target upside | +28.74% | +23.66% |
| Average volume | 598.91K | 562.05K |
| Shares outstanding | 75.95M | 67.46M |
| Employees | 5,222 | 5,902 |
| 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
- Wintrust Financial is more profitable, keeping 310.1 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 +5.94%).
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
About Wintrust Financial
WTFC stock →Wintrust Financial Corporation, a financial holding company, provides community-oriented, personal, and commercial banking services in the United States. It operates through three segments: Community Banking, Specialty Finance, and Wealth Management.
Finance · Major Banks · 5,902 employees
UMBF vs WTFC FAQ
Which is bigger, UMB Financial or Wintrust Financial?
UMB Financial (UMBF) is larger, with a market capitalization of $9.74B compared with $9.61B for Wintrust Financial (WTFC).
Which stock has performed better over the past year, UMBF or WTFC?
UMBF returned +8.29% over the past 12 months, compared with +8.22% for WTFC (price return, excluding dividends). Past performance does not predict future results.
Which has the lower P/E ratio, UMBF or WTFC?
UMBF has the lower trailing P/E at 10.7, versus 11.4 for WTFC. 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, UMB Financial or Wintrust Financial?
Wintrust Financial has the higher yield at 1.47%, compared with 1.32% for UMB Financial.
Are UMB Financial and Wintrust Financial in the same industry?
Yes. Both are classified in the Major Banks industry within the Finance sector.