BLK vs UMBF
BlackRock vs UMB Financial Corp. — AI-powered side-by-side comparison
VS
UMBF
UMB Financial Corp.
68
Buy
| Metric | BLK | UMBF |
|---|
| AI Score |
64
|
68
|
| Price |
$1,176.70
|
$143.63
|
| P/E Ratio |
27.66×
|
11.92×
|
| ROE |
9.9%
|
9.1%
|
| Revenue Growth YoY |
—
|
—
|
| Gross Margin |
55.7%
|
58.5%
|
| Debt / Equity |
0.26×
|
0.44×
|
| Dividend Yield |
1.9%
|
1.2%
|
| RSI (14) |
63.9
|
33.4
|
| Beta |
1.425
|
0.788
|
| Expected Upside |
+0.8%
|
—
|
AI Committee View
Current Innellis committee reasoning for BLK versus UMBF.
UMBF leads by 4 points.
UMBF scores 68/100 (Buy) versus BLK at 64/100 (Buy).
BLK Committee View
67% agreement
6 analysts
The primary driver is low leverage (debt-to-equity 0.23) -- balance sheet can absorb a shock. The main limiting factor is p/e of 29.2 is moderate-to-rich. The committee is constructive but not yet at full conviction.
Bull Case
- Dividend yield of 2.7% pays you to wait — Value
- Revenue growing 26.5% YoY -- genuine top-line momentum — Growth
- 5 consecutive earnings beats -- consistent execution — Growth
Bear Case
- P/E of 29.2 is moderate-to-rich — Value
- EPS declining -3.7% YoY despite any revenue growth — Growth
- MACD histogram negative -- bearish momentum — Technical
UMBF Committee View
100% agreement
5 analysts
The primary driver is p/e of 12.1 is inexpensive for the broad market. The main limiting factor is sector concentration is already high (hhi 3063.01). The committee is constructive but not yet at full conviction.
Bull Case
- P/E of 12.1 is inexpensive for the broad market — Value
- Price-to-book of 1.1x is a discount to asset value — Value
- Revenue growing 72.2% YoY -- genuine top-line momentum — Growth
Bear Case
- Growth rate is decelerating quarter over quarter -- the trend line matters more than the level — Growth
- MACD histogram negative -- bearish momentum — Technical