TFC vs UMBF
Truist Financial Corporation vs UMB Financial Corp. — AI-powered side-by-side comparison
TFC
Truist Financial Corporation
66
Buy
VS
UMBF
UMB Financial Corp.
68
Buy
| Metric | TFC | UMBF |
|---|
| AI Score |
66
|
68
|
| Price |
$50.82
|
$143.98
|
| P/E Ratio |
11.52×
|
11.92×
|
| ROE |
8.1%
|
9.1%
|
| Revenue Growth YoY |
—
|
—
|
| Gross Margin |
64.0%
|
58.5%
|
| Debt / Equity |
1.09×
|
0.44×
|
| Dividend Yield |
4.1%
|
1.2%
|
| RSI (14) |
36.4
|
33.4
|
| Beta |
0.87
|
0.788
|
| Expected Upside |
+2.5%
|
—
|
AI Committee View
Current Innellis committee reasoning for TFC versus UMBF.
UMBF leads by 2 points.
UMBF scores 68/100 (Buy) versus TFC at 66/100 (Buy).
TFC Committee View
80% agreement
5 analysts
The committee is genuinely divided. Growth Analyst sees a compelling case — revenue growing 58.2% yoy -- genuine top-line momentum. Technical Analyst remains cautious — rsi at 28 is in oversold territory (could mean either capitulation or a bounce setup). This disagreement is itself the signal — the setup is not clean in either direction.
Bull Case
- P/E of 11.1 is inexpensive for the broad market — Value
- Price-to-book of 1.0x is a discount to asset value — Value
- Dividend yield of 6.5% pays you to wait — Value
Bear Case
- RSI at 28 is in oversold territory (could mean either capitulation or a bounce setup) — Technical
- MACD histogram negative -- bearish momentum — Technical
- Price trading below the lower Bollinger Band -- stretched to the downside — 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