UMB Financial (UMBF) Competitors

F.N.B. (NYSE:FNB) and UMB Financial (NASDAQ:UMBF) are both mid-cap finance companies, but which is the better business? We will compare the two companies based on the strength of their dividends, media sentiment, institutional ownership, community ranking, profitability, earnings, analyst recommendations, valuation and risk.

Does the media favor FNB or UMBF?

In the previous week, F.N.B. had 16 more articles in the media than UMB Financial. MarketBeat recorded 19 mentions for F.N.B. and 3 mentions for UMB Financial. UMB Financial's average media sentiment score of 1.20 beat F.N.B.'s score of 0.53 indicating that UMB Financial is being referred to more favorably in the news media.

Company	Very Positive	Positive	Neutral	Negative	Very Negative	Overall Sentiment
F.N.B.	7 Very Positive mention(s)	0 Positive mention(s)	2 Neutral mention(s)	0 Negative mention(s)	0 Very Negative mention(s)	Positive
UMB Financial	2 Very Positive mention(s)	0 Positive mention(s)	0 Neutral mention(s)	0 Negative mention(s)	0 Very Negative mention(s)	Positive

Do analysts rate FNB or UMBF?

F.N.B. presently has a consensus target price of $16.33, indicating a potential downside of 1.19%. UMB Financial has a consensus target price of $115.00, indicating a potential downside of 5.34%. Given F.N.B.'s higher possible upside, equities research analysts clearly believe F.N.B. is more favorable than UMB Financial.

Company	Sell Ratings	Hold Ratings	Buy Ratings	Strong Buy Ratings	Rating Score
F.N.B.	0 Sell rating(s)	1 Hold rating(s)	5 Buy rating(s)	0 Strong Buy rating(s)	2.83
UMB Financial	0 Sell rating(s)	1 Hold rating(s)	4 Buy rating(s)	1 Strong Buy rating(s)	3.00

Does the MarketBeat Community believe in FNB or UMBF?

F.N.B. received 158 more outperform votes than UMB Financial when rated by MarketBeat users. Likewise, 62.52% of users gave F.N.B. an outperform vote while only 46.86% of users gave UMB Financial an outperform vote.

Company	Underperform	Outperform
F.N.B.	Outperform Votes 427 62.52%	Underperform Votes 256 37.48%
UMB Financial	Outperform Votes 269 46.86%	Underperform Votes 305 53.14%

Which has stronger earnings and valuation, FNB or UMBF?

F.N.B. has higher earnings, but lower revenue than UMB Financial. F.N.B. is trading at a lower price-to-earnings ratio than UMB Financial, indicating that it is currently the more affordable of the two stocks.

Company	Gross Revenue	Price/Sales Ratio	Net Income	Earnings Per Share	Price/Earnings Ratio
F.N.B.	$2.23B	2.67	$485M	$1.09	15.17
UMB Financial	$2.38B	2.49	$350.02M	$8.00	15.19

Is FNB or UMBF more profitable?

F.N.B. has a net margin of 16.29% compared to UMB Financial's net margin of 14.44%. UMB Financial's return on equity of 13.80% beat F.N.B.'s return on equity.

Company	Net Margins	Return on Equity	Return on Assets
F.N.B.	16.29%	8.49%	1.10%
UMB Financial	14.44%	13.80%	0.99%

Which has more volatility and risk, FNB or UMBF?

F.N.B. has a beta of 0.95, meaning that its stock price is 5% less volatile than the S&P 500. Comparatively, UMB Financial has a beta of 0.78, meaning that its stock price is 22% less volatile than the S&P 500.

Do institutionals & insiders hold more shares of FNB or UMBF?

79.3% of F.N.B. shares are held by institutional investors. Comparatively, 87.8% of UMB Financial shares are held by institutional investors. 1.0% of F.N.B. shares are held by insiders. Comparatively, 8.9% of UMB Financial shares are held by insiders. Strong institutional ownership is an indication that hedge funds, endowments and large money managers believe a stock will outperform the market over the long term.

Is FNB or UMBF a better dividend stock?

F.N.B. pays an annual dividend of $0.48 per share and has a dividend yield of 2.9%. UMB Financial pays an annual dividend of $1.56 per share and has a dividend yield of 1.3%. F.N.B. pays out 44.0% of its earnings in the form of a dividend. UMB Financial pays out 19.5% of its earnings in the form of a dividend. Both companies have healthy payout ratios and should be able to cover their dividend payments with earnings for the next several years. UMB Financial has raised its dividend for 32 consecutive years.

Summary

F.N.B. and UMB Financial tied by winning 11 of the 22 factors compared between the two stocks.