COMP <GO>
UMBF vs WTFC // EV/EBITDA & P/E VALUATION
UMB Financial Corporation (NASDAQ) VS. Wintrust Financial Corporation (NASDAQ) • 15-METRIC TALLY: UMBF 2
— WTFC 9
▲ EV/EBITDA & P/E VALUATION LEADER: WTFC
LAST: $137.46 (+2.22%) • MKT CAP: $10.21B
valuation
33.4x
LAST: $157.40 (+3.29%) • MKT CAP: $10.28B
valuation
27.4x
15-METRIC INSTITUTIONAL SIDE-BY-SIDE SCORECARD (UMBF VS. WTFC)
EMERALD CELL = QUANTITATIVE EDGE
| INSTITUTIONAL METRIC | UMBF | WTFC | SPREAD (A - B) | ADVANTAGE | DEDICATED URL |
|---|---|---|---|---|---|
| Gross Profit Margin | — | — | — | TIE | /gross-margins <GO> |
| Return on Invested Capital (ROIC) | 2.50% | 3.10% | -0.60 | WTFC | /roic <GO> |
| EV/EBITDA & P/E Valuation ACTIVE | 33.4x | 27.4x | +6.00 | WTFC | /valuation <GO> |
| Free Cash Flow Yield | 9.46% | 8.27% | +1.19 | UMBF | /fcf-yield <GO> |
| Operating Margin | 29.60% | 75.00% | -45.40 | WTFC | /operating-margins <GO> |
| Net Profit Margin | 24.30% | 68.00% | -43.70 | WTFC | /net-margins <GO> |
| Revenue Growth (YoY) | 7.70% | 5.90% | +1.80 | UMBF | /revenue-growth <GO> |
| Dividend Yield & FCF Payout Safety | 1.31% | 1.63% | -0.32 | WTFC | /dividend-safety <GO> |
| Altman Z-Score & Debt/Equity | — | — | — | TIE | /balance-sheet <GO> |
| Piotroski F-Score Quality | 8/9 | 8/9 | 0.00 | TIE | /piotroski-score <GO> |
| Options Implied Move & Put/Call Skew | — | — | — | TIE | /options-implied-move <GO> |
| RSI-14 & 200D SMA Momentum | 51.1 | 58.7 | -7.60 | WTFC | /rsi-technicals <GO> |
| 10Y Yield & FRED Macro Beta | 1.02 | 1.14 | -0.12 | WTFC | /macro-sensitivity <GO> |
| Forward P/E Multiple | 13.7x | 11.7x | +2.00 | WTFC | /forward-pe <GO> |
| Enterprise Scale & Market Cap | $10.21B | $10.28B | -$67.1M | WTFC | /market-cap <GO> |
5-YEAR HISTORICAL XBRL REVENUE & MARGIN TRAJECTORY SEC FORM 10-K FY
| FISCAL YEAR | UMBF REV | WTFC REV | UMBF GROSS % | WTFC GROSS % | UMBF FCF | WTFC FCF |
|---|---|---|---|---|---|---|
| FY 2025 | $2.32B | $265.6M | — | — | $978.1M | $860.4M |
| FY 2024 | $1.46B | $250.7M | — | — | $205.3M | $635.5M |
| FY 2023 | $1.16B | $220.4M | — | — | $472.6M | $734.5M |
FRED MACRO REGIME CORRELATION COMPARISON PEARSON r
UMBF // BETA 1.02
WTFC // BETA 1.14