COMP <GO>
BPOP vs UMBF // EV/EBITDA & P/E VALUATION
Popular Inc. (NASDAQ) VS. UMB Financial Corporation (NASDAQ) • 15-METRIC TALLY: BPOP 6
— UMBF 6
▲ EV/EBITDA & P/E VALUATION LEADER: BPOP
LAST: $156.61 (-1.19%) • MKT CAP: $9.99B
valuation
25.4x
LAST: $134.47 (-1.24%) • MKT CAP: $10.21B
valuation
33.4x
15-METRIC INSTITUTIONAL SIDE-BY-SIDE SCORECARD (BPOP VS. UMBF)
EMERALD CELL = QUANTITATIVE EDGE
| INSTITUTIONAL METRIC | BPOP | UMBF | SPREAD (A - B) | ADVANTAGE | DEDICATED URL |
|---|---|---|---|---|---|
| Gross Profit Margin | — | — | — | TIE | /gross-margins <GO> |
| Return on Invested Capital (ROIC) | 3.10% | 2.50% | +0.60 | BPOP | /roic <GO> |
| EV/EBITDA & P/E Valuation ACTIVE | 25.4x | 33.4x | -8.00 | BPOP | /valuation <GO> |
| Free Cash Flow Yield | 6.74% | 9.46% | -2.72 | UMBF | /fcf-yield <GO> |
| Operating Margin | 35.90% | 29.60% | +6.30 | BPOP | /operating-margins <GO> |
| Net Profit Margin | 29.40% | 24.30% | +5.10 | BPOP | /net-margins <GO> |
| Revenue Growth (YoY) | -4.40% | 7.70% | -12.10 | UMBF | /revenue-growth <GO> |
| Dividend Yield & FCF Payout Safety | 1.95% | 1.31% | +0.64 | BPOP | /dividend-safety <GO> |
| Altman Z-Score & Debt/Equity | — | — | — | TIE | /balance-sheet <GO> |
| Piotroski F-Score Quality | 7/9 | 8/9 | -1.00 | UMBF | /piotroski-score <GO> |
| Options Implied Move & Put/Call Skew | — | — | — | TIE | /options-implied-move <GO> |
| RSI-14 & 200D SMA Momentum | 43.3 | 51.1 | -7.80 | UMBF | /rsi-technicals <GO> |
| 10Y Yield & FRED Macro Beta | 0.97 | 1.02 | -0.05 | UMBF | /macro-sensitivity <GO> |
| Forward P/E Multiple | 11.3x | 13.7x | -2.40 | BPOP | /forward-pe <GO> |
| Enterprise Scale & Market Cap | $9.99B | $10.21B | -$225.0M | UMBF | /market-cap <GO> |
5-YEAR HISTORICAL XBRL REVENUE & MARGIN TRAJECTORY SEC FORM 10-K FY
| FISCAL YEAR | BPOP REV | UMBF REV | BPOP GROSS % | UMBF GROSS % | BPOP FCF | UMBF FCF |
|---|---|---|---|---|---|---|
| FY 2025 | $0 | $0 | — | — | $681.0M | $978.1M |
| FY 2024 | $0 | $0 | — | — | $461.3M | $205.3M |
| FY 2023 | $0 | $0 | — | — | $686.6M | $472.6M |
FRED MACRO REGIME CORRELATION COMPARISON PEARSON r
BPOP // BETA 0.97
UMBF // BETA 1.02