FDS vs UMBF
FactSet vs UMB Financial Corp. — AI-powered side-by-side comparison
VS
UMBF
UMB Financial Corp.
68
Buy
| Metric | FDS | UMBF |
|---|
| AI Score |
58
|
68
|
| Price |
$301.04
|
$143.04
|
| P/E Ratio |
19.99×
|
11.92×
|
| ROE |
27.3%
|
9.1%
|
| Revenue Growth YoY |
—
|
—
|
| Gross Margin |
51.4%
|
58.5%
|
| Debt / Equity |
0.77×
|
0.44×
|
| Dividend Yield |
1.5%
|
1.2%
|
| RSI (14) |
73.9
|
33.4
|
| Beta |
0.687
|
0.788
|
| Expected Upside |
+0.2%
|
—
|
AI Committee View
Current Innellis committee reasoning for FDS versus UMBF.
UMBF leads by 10 points.
UMBF scores 68/100 (Buy) versus FDS at 58/100 (Buy).
FDS Committee View
67% agreement
6 analysts
The primary driver is 3 consecutive earnings beats -- consistent execution. The main limiting factor is bollinger bandwidth of 15.4% signals elevated volatility. The committee is constructive but not yet at full conviction.
Bull Case
- ROE of 26.6% shows genuine earnings power backing the valuation — Value
- 3 consecutive earnings beats -- consistent execution — Growth
- Quarter-over-quarter growth rate is ACCELERATING, not just positive — Growth
Bear Case
- Price-to-book of 6.5x prices in significant intangible value — Value
- Weekly RSI at 76 -- overbought on the larger timeframe too — Technical
- Bollinger bandwidth of 15.4% signals elevated volatility — Risk
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