NTRS vs UMBF
Northern Trust Corporation vs UMB Financial Corp. — AI-powered side-by-side comparison
NTRS
Northern Trust Corporation
59
Buy
VS
UMBF
UMB Financial Corp.
68
Buy
| Metric | NTRS | UMBF |
|---|
| AI Score |
59
|
68
|
| Price |
$186.68
|
$143.98
|
| P/E Ratio |
15.70×
|
12.01×
|
| ROE |
13.4%
|
9.1%
|
| Revenue Growth YoY |
—
|
—
|
| Gross Margin |
59.8%
|
58.5%
|
| Debt / Equity |
1.18×
|
0.44×
|
| Dividend Yield |
1.7%
|
1.2%
|
| RSI (14) |
51.2
|
33.4
|
| Beta |
1.259
|
0.788
|
| Expected Upside |
—
|
—
|
AI Committee View
Current Innellis committee reasoning for NTRS versus UMBF.
UMBF leads by 9 points.
UMBF scores 68/100 (Buy) versus NTRS at 59/100 (Buy).
NTRS Committee View
67% agreement
6 analysts
The committee is genuinely divided. Growth Analyst sees a compelling case — eps growing 36.1% yoy. Risk Analyst remains cautious — high leverage (debt-to-equity 12.29) amplifies downside in a stress scenario. This disagreement is itself the signal — the setup is not clean in either direction.
Bull Case
- ROE of 17.1% shows genuine earnings power backing the valuation — Value
- Dividend yield of 3.9% pays you to wait — Value
- EPS growing 36.1% YoY — Growth
Bear Case
- Debt-to-equity of 12.29 adds balance-sheet risk to the value case — Value
- MACD histogram negative -- bearish momentum — Technical
- High leverage (debt-to-equity 12.29) amplifies downside in a stress scenario — 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