COIN vs UMBF
Coinbase vs UMB Financial Corp. — AI-powered side-by-side comparison
VS
UMBF
UMB Financial Corp.
69
Buy
| Metric | COIN | UMBF |
|---|
| AI Score |
45
|
69
|
| Price |
$187.22
|
$143.63
|
| P/E Ratio |
-50.72×
|
11.92×
|
| ROE |
8.5%
|
9.1%
|
| Revenue Growth YoY |
—
|
—
|
| Gross Margin |
79.0%
|
58.5%
|
| Debt / Equity |
0.51×
|
0.44×
|
| Dividend Yield |
0.0%
|
1.2%
|
| RSI (14) |
72.6
|
32.1
|
| Beta |
3.361
|
0.788
|
| Expected Upside |
+1.2%
|
—
|
AI Committee View
Current Innellis committee reasoning for COIN versus UMBF.
UMBF leads by 24 points.
UMBF scores 69/100 (Buy) versus COIN at 45/100 (Watch).
COIN Committee View
50% agreement
6 analysts
The committee is genuinely divided. Macro Analyst sees a compelling case. Growth Analyst remains cautious — revenue declining -10.3% yoy -- this is not a growth story right now. This disagreement is itself the signal — the setup is not clean in either direction.
Bull Case
- MACD histogram positive -- bullish momentum — Technical
Bear Case
- Price-to-book of 4.1x prices in significant intangible value — Value
- ROE of only -6.9% -- cheap may mean cheap for a reason — Value
- Revenue declining -10.3% YoY -- this is not a growth story right now — Growth
UMBF Committee View
100% agreement
6 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 3068.56). 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