UMB Financial (UMBF) vs Zions Bancorporation N.A. (ZION)
Head-to-head comparison of performance, valuation, growth, profitability and dividends. Prices delayed 15 minutes; data as of Oct 9, 2026.
Summary
Zions Bancorporation N.A. (ZION) has outperformed UMB Financial (UMBF) over the past year, gaining 11.8% versus a gain of 9.6%. Over five years, UMBF leads with a +30.6% price change compared with +0.9% for ZION. UMB Financial is the larger company by market cap ($9.85 billion vs $9.13 billion), about 1.1 times the size.
On valuation, Zions Bancorporation N.A. trades at a lower forward P/E (9.2x vs 9.3x for UMB Financial). Zions Bancorporation N.A. offers the higher dividend yield (2.88% vs 1.30%). Zions Bancorporation N.A. converts more of its revenue into profit, with a net margin of 135.8% 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 | ZION |
|---|---|---|
| Share price | $129.70 | $62.53 |
| Market cap | $9.85B | $9.13B |
| 1-day change | -0.53% | -0.32% |
| YTD return | +13.34% | +7.16% |
| 1-year return | +9.59% | +11.82% |
| 5-year return | +30.63% | +0.95% |
| P/E ratio (TTM) | 10.79 | 7.97 |
| Forward P/E | 9.31 | 9.18 |
| EPS (TTM) | $12.02 | $7.85 |
| Dividend yield | 1.30% | 2.88% |
| Annual dividend | $1.69 | $1.80 |
| Revenue (latest FY) | $2.65B | $662.00M |
| Revenue growth (YoY) | +62.81% | +3.60% |
| Net income (latest FY) | $702.40M | $899.00M |
| Net margin | 26.48% | 135.80% |
| 52-week high | $153.32 | $73.34 |
| 52-week low | $103.38 | $46.19 |
| Distance from 52-week high | -15.41% | -14.74% |
| Analyst consensus | buy | hold |
| Avg. price target upside | +27.26% | +16.97% |
| Average volume | 609.55K | 1.51M |
| Shares outstanding | 75.95M | 145.95M |
| Employees | 5,222 | 9,039 |
| 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 trades at a higher earnings multiple (10.8x vs 8.0x trailing P/E).
- Zions Bancorporation N.A. offers a meaningfully higher dividend yield (2.88% vs 1.30%).
- Zions Bancorporation N.A. is more profitable, keeping 135.8 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 +3.60%).
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 Zions Bancorporation N.A.
ZION stock →Zions Bancorporation, National Association provides various banking products and related services primarily in the states of Arizona, California, Colorado, Idaho, Nevada, New Mexico, Oregon, Texas, Utah, Washington, and Wyoming. The company operates through Zions Bank, California Bank & Trust, Amegy Bank, National Bank of Arizona, Nevada State Bank, Vectra Bank Colorado, and The Commerce Bank of Washington segments.
Finance · Major Banks · 9,039 employees
UMBF vs ZION FAQ
Which is bigger, UMB Financial or Zions Bancorporation N.A.?
UMB Financial (UMBF) is larger, with a market capitalization of $9.85B compared with $9.13B for Zions Bancorporation N.A. (ZION).
Which stock has performed better over the past year, UMBF or ZION?
ZION returned +11.82% over the past 12 months, compared with +9.59% for UMBF (price return, excluding dividends). Past performance does not predict future results.
Which has the lower P/E ratio, UMBF or ZION?
ZION has the lower trailing P/E at 8.0, versus 10.8 for UMBF. 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 Zions Bancorporation N.A.?
Zions Bancorporation N.A. has the higher yield at 2.88%, compared with 1.30% for UMB Financial.
Are UMB Financial and Zions Bancorporation N.A. in the same industry?
Yes. Both are classified in the Major Banks industry within the Finance sector.