FNLC vs. UMBF
FNLC (The First Bancorp, Inc.) and UMBF (UMB Financial Corporation) are both stocks. Both operate in the Banks - Regional industry within the Financial Services sector. Over the past 10 years, FNLC returned 9.97%/yr vs 12.24%/yr for UMBF. Their 0.41 correlation means their historical movements had little consistent relationship.
Performance
FNLC vs. UMBF - Performance Comparison
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Returns By Period
In the year-to-date period, FNLC achieves a 37.80% return, which is significantly higher than UMBF's 27.57% return. Over the past 10 years, FNLC has underperformed UMBF with an annualized return of 9.97%, while UMBF has yielded a comparatively higher 12.24% annualized return.
FNLC
- 1D
- 0.46%
- 1M
- 1.26%
- 6M
- 31.43%
- YTD
- 37.80%
- 1Y
- 49.17%
- 3Y*
- 16.60%
- 5Y*
- 9.35%
- 10Y*
- 9.97%
- ALL TIME*
- 10.89%
UMBF
- 1D
- 0.15%
- 1M
- 1.34%
- 6M
- 15.43%
- YTD
- 27.57%
- 1Y
- 36.36%
- 3Y*
- 30.15%
- 5Y*
- 11.11%
- 10Y*
- 12.24%
- ALL TIME*
- 8.56%
Liquidity Comparison
| Position | Avg. Volume Value (2W) | Avg. Volume Value (1M) | Avg. Volume Value (3M) |
|---|---|---|---|
| $1.45M | $1.22M | $1.08M | |
| $105.58M | $95.64M | $94.75M |
FNLC vs. UMBF - Yearly Performance Comparison
| 2026 (YTD) | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | |
|---|---|---|---|---|---|---|---|---|---|---|
FNLC The First Bancorp, Inc. | 37.80% | 2.28% | 2.49% | -0.50% | -0.40% | 29.22% | -11.50% | 20.16% | 0.24% | -14.72% |
UMBF UMB Financial Corporation | 27.57% | 3.44% | 37.34% | 2.21% | -19.97% | 56.04% | 2.64% | 14.71% | -13.86% | -5.37% |
Correlation
The correlation between FNLC and UMBF is 0.69, which is moderate. They have sometimes moved together and sometimes differently, sharing some price drivers without tracking each other closely.
| Correlation | |
|---|---|
Correlation (1Y) Focuses on recent behavior, but can change the most. | 0.69 |
Correlation (3Y) Balances recent behavior with more history. | 0.63 |
Correlation (5Y) Shows whether the relationship held over a longer period. | 0.61 |
Correlation (10Y) Provides a long-term view across more market conditions. | 0.59 |
Correlation (All Time) Calculated using the full available price history since Jul 15, 1999 | 0.41 |
Over the past year, FNLC and UMBF have become more correlated (0.69) than their long-term average of 0.41, meaning their price movements have been converging.
Fundamentals
FNLC:
$395.78M
UMBF:
$11.07B
FNLC:
$4.49
UMBF:
$11.66
FNLC:
7.81
UMBF:
12.49
FNLC:
138.44
UMBF:
1.67
FNLC:
1.74
UMBF:
1.97
FNLC:
$169.92M
UMBF:
$4.22B
FNLC:
$70.10M
UMBF:
$1.92B
FNLC:
$32.06M
UMBF:
$774.62M
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Return for Risk
FNLC vs. UMBF — Risk / Return Rank
FNLC
UMBF
FNLC vs. UMBF - Risk-Adjusted Trends Comparison
This table presents a comparison of risk-adjusted performance metrics for The First Bancorp, Inc. (FNLC) and UMB Financial Corporation (UMBF). Risk-adjusted metrics are performance indicators that assess an investment's returns in relation to its risk, enabling a more accurate comparison of different investment options.
Values are calculated on a 1-year rolling basis and updated daily. Risk-adjusted metrics are more stable over longer periods — use the period switch above to explore them.
| FNLC | UMBF | Difference | |
|---|---|---|---|
| Sharpe ratioReturn per unit of total volatility | +0.47 | ||
| Sortino ratioReturn per unit of downside risk | +0.82 | ||
| Omega ratioGain probability vs. loss probability | 1.31 | 1.24 | +0.07 |
| Calmar ratioReturn relative to maximum drawdown | 4.15 | 1.86 | +2.29 |
| Martin ratioReturn relative to average drawdown | 9.71 | 4.30 | +5.41 |
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Drawdowns
FNLC vs. UMBF - Drawdown Comparison
The maximum FNLC drawdown since its inception was -49.41%, smaller than the maximum UMBF drawdown of -52.70%. Use the drawdown chart below to compare losses from any high point for FNLC and UMBF.
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Drawdown Indicators
| FNLC | UMBF | Difference | |
|---|---|---|---|
Max DrawdownLargest peak-to-trough decline | -49.41% | -52.70% | +3.29% |
Max Drawdown (1Y)Largest decline over 1 year | -11.29% | -18.57% | +7.28% |
Max Drawdown (3Y)Largest decline over 3 years | -25.05% | -31.80% | +6.75% |
Max Drawdown (5Y)Largest decline over 5 years | -29.30% | -50.25% | +20.95% |
Max Drawdown (10Y)Largest decline over 10 years | -39.84% | -50.25% | +10.41% |
Current DrawdownCurrent decline from peak | -1.27% | -1.71% | +0.44% |
Average DrawdownAverage peak-to-trough decline | -14.83% | -17.70% | +2.87% |
Ulcer IndexDepth and duration of drawdowns from previous peaks | 4.82% | 8.02% | -3.20% |
Volatility
FNLC vs. UMBF - Volatility Comparison
The current volatility for The First Bancorp, Inc. (FNLC) is 6.74%, while UMB Financial Corporation (UMBF) has a volatility of 7.13%. This indicates that FNLC experiences smaller price fluctuations and is considered to be less risky than UMBF based on this measure. The chart below showcases a comparison of their rolling one-month volatility.
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Volatility by Period
| FNLC | UMBF | Difference | |
|---|---|---|---|
Volatility (1M)Calculated over the trailing 1-month period | 6.74% | 7.13% | -0.39% |
Volatility (6M)Calculated over the trailing 6-month period | 19.24% | 18.18% | +1.06% |
Volatility (1Y)Calculated over the trailing 1-year period | 26.68% | 26.96% | -0.28% |
Volatility (5Y)Calculated over the trailing 5-year period, annualized | 28.61% | 33.09% | -4.48% |
Volatility (10Y)Calculated over the trailing 10-year period, annualized | 34.46% | 33.45% | +1.01% |
Dividends
FNLC vs. UMBF - Dividend Comparison
FNLC's dividend yield for the trailing twelve months is around 4.25%, more than UMBF's 1.16% yield.
| Position | TTM | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 | 2015 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
FNLC The First Bancorp, Inc. | 4.25% | 5.52% | 5.19% | 4.89% | 4.41% | 4.01% | 4.80% | 3.90% | 4.03% | 3.89% | 2.72% | 3.18% |
UMBF UMB Financial Corporation | 1.16% | 1.42% | 1.39% | 1.83% | 1.78% | 1.30% | 1.81% | 1.76% | 1.92% | 1.45% | 1.28% | 2.04% |
Financials
FNLC vs. UMBF - Financials Comparison
This section allows you to compare key financial metrics between The First Bancorp, Inc. and UMB Financial Corporation. You can select fields from income statements, balance sheets, and cash flow statements to easily visualize and compare the financial health of both companies.
Total Revenue: Total amount of money received from sales and other business activities
FNLC vs. UMBF - Profitability Comparison
FNLC - Gross Margin
Gross margin is calculated as gross profit divided by revenue. For the three months ending on Aug 2026, The First Bancorp, Inc. reported a gross profit of 0.00 and revenue of 39.84M. Therefore, the gross margin over that period was 0.0%.
UMBF - Gross Margin
Gross margin is calculated as gross profit divided by revenue. For the three months ending on Aug 2026, UMB Financial Corporation reported a gross profit of 0.00 and revenue of 778.00M. Therefore, the gross margin over that period was 0.0%.
FNLC - Operating Margin
Operating margin is calculated as operating income divided by revenue. For the three months ending on Aug 2026, The First Bancorp, Inc. reported an operating income of 958.00K and revenue of 39.84M, resulting in an operating margin of 2.4%.
UMBF - Operating Margin
Operating margin is calculated as operating income divided by revenue. For the three months ending on Aug 2026, UMB Financial Corporation reported an operating income of 0.00 and revenue of 778.00M, resulting in an operating margin of 0.0%.
FNLC - Net Margin
Net margin is calculated as net income divided by revenue. For the three months ending on Aug 2026, The First Bancorp, Inc. reported a net income of 9.56M and revenue of 39.84M, resulting in a net margin of 24.0%.
UMBF - Net Margin
Net margin is calculated as net income divided by revenue. For the three months ending on Aug 2026, UMB Financial Corporation reported a net income of 0.00 and revenue of 778.00M, resulting in a net margin of 0.0%.
Frequently Asked Questions
FNLC and UMBF have a correlation of 0.69, meaning they provide meaningful diversification benefit when combined. Depending on your allocation goals, holding both could reduce overall portfolio risk.
UMBF has higher volatility (7.13%) compared to FNLC (6.74%). In terms of maximum drawdown, FNLC dropped -49.41% vs UMBF's -52.70%.
FNLC currently has the higher Sharpe Ratio (1.76 vs 1.28), meaning it's delivered slightly more return per unit of risk over the trailing 12 months. However, this ranking shifts over time - use the Risk/Return Score above for a more comprehensive view that combines Sharpe, Sortino, and other measures used by quantitative funds.
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