NKSH vs. UMBF
NKSH (National Bankshares, 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, NKSH returned 4.93%/yr vs 11.84%/yr for UMBF. At a 0.33 correlation, their price movements are largely independent.
Performance
NKSH vs. UMBF - Performance Comparison
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Returns By Period
In the year-to-date period, NKSH achieves a 8.83% return, which is significantly lower than UMBF's 19.88% return. Over the past 10 years, NKSH has underperformed UMBF with an annualized return of 4.93%, while UMBF has yielded a comparatively higher 11.84% annualized return.
NKSH
- 1D
- 1.19%
- 1M
- 2.56%
- YTD
- 8.83%
- 6M
- 7.26%
- 1Y
- 48.09%
- 3Y*
- 9.46%
- 5Y*
- 6.29%
- 10Y*
- 4.93%
UMBF
- 1D
- 2.92%
- 1M
- 4.71%
- YTD
- 19.88%
- 6M
- 15.01%
- 1Y
- 37.97%
- 3Y*
- 35.85%
- 5Y*
- 9.96%
- 10Y*
- 11.84%
NKSH vs. UMBF - Yearly Performance Comparison
| 2026 (YTD) | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | |
|---|---|---|---|---|---|---|---|---|---|---|
NKSH National Bankshares, Inc. | 8.83% | 23.27% | -6.75% | -13.15% | 17.24% | 19.01% | -27.13% | 27.40% | -17.71% | 7.54% |
UMBF UMB Financial Corporation | 19.88% | 3.44% | 37.34% | 2.21% | -19.97% | 56.04% | 2.64% | 14.71% | -13.86% | -5.37% |
Correlation
The correlation between NKSH and UMBF is 0.57, which is moderate. They share some common price drivers but move independently often enough to provide real diversification benefit when combined.
| Correlation | |
|---|---|
Correlation (1Y) Calculated over the trailing 1-year period | 0.57 |
Correlation (3Y) Calculated over the trailing 3-year period | 0.48 |
Correlation (5Y) Calculated over the trailing 5-year period | 0.40 |
Correlation (10Y) Calculated over the trailing 10-year period | 0.42 |
Correlation (All Time) Calculated using the full available price history since Dec 1, 1999 | 0.33 |
Over the past year, NKSH and UMBF have become more correlated (0.57) than their long-term average of 0.33, meaning their price movements have been converging.
Fundamentals
NKSH:
$2.76
UMBF:
$15.48
NKSH:
12.94
UMBF:
8.85
NKSH:
1.27
UMBF:
1.18
NKSH:
2.73
UMBF:
1.75
NKSH:
$83.40M
UMBF:
$4.46B
NKSH:
$42.95M
UMBF:
$1.99B
NKSH:
$15.62M
UMBF:
$937.72M
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Return for Risk
NKSH vs. UMBF — Risk / Return Rank
NKSH
UMBF
NKSH vs. UMBF - Risk-Adjusted Trends Comparison
This table presents a comparison of risk-adjusted performance metrics for National Bankshares, Inc. (NKSH) 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.
| NKSH | UMBF | Difference | |
|---|---|---|---|
| Sharpe ratioReturn per unit of total volatility | +0.30 | ||
| Sortino ratioReturn per unit of downside risk | +0.56 | ||
| Omega ratioGain probability vs. loss probability | 1.30 | 1.26 | +0.04 |
| Calmar ratioReturn relative to maximum drawdown | 3.45 | 2.05 | +1.40 |
| Martin ratioReturn relative to average drawdown | 8.80 | 4.75 | +4.05 |
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Drawdowns
NKSH vs. UMBF - Drawdown Comparison
The maximum NKSH drawdown since its inception was -48.76%, smaller than the maximum UMBF drawdown of -52.70%. Use the drawdown chart below to compare losses from any high point for NKSH and UMBF.
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Drawdown Indicators
| NKSH | UMBF | Difference | |
|---|---|---|---|
Max DrawdownLargest peak-to-trough decline | -48.76% | -52.70% | +3.94% |
Max Drawdown (1Y)Largest decline over 1 year | -13.99% | -18.57% | +4.58% |
Max Drawdown (3Y)Largest decline over 3 years | -30.95% | -31.80% | +0.85% |
Max Drawdown (5Y)Largest decline over 5 years | -46.03% | -50.25% | +4.22% |
Max Drawdown (10Y)Largest decline over 10 years | -48.76% | -50.25% | +1.49% |
Current DrawdownCurrent decline from peak | -6.29% | 0.00% | -6.29% |
Average DrawdownAverage peak-to-trough decline | -14.14% | -17.75% | +3.61% |
Ulcer IndexDepth and duration of drawdowns from previous peaks | 5.48% | 8.02% | -2.54% |
Volatility
NKSH vs. UMBF - Volatility Comparison
The current volatility for National Bankshares, Inc. (NKSH) is 6.18%, while UMB Financial Corporation (UMBF) has a volatility of 7.10%. This indicates that NKSH 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
| NKSH | UMBF | Difference | |
|---|---|---|---|
Volatility (1M)Calculated over the trailing 1-month period | 6.18% | 7.10% | -0.92% |
Volatility (6M)Calculated over the trailing 6-month period | 16.81% | 18.39% | -1.58% |
Volatility (1Y)Calculated over the trailing 1-year period | 28.23% | 27.01% | +1.22% |
Volatility (5Y)Calculated over the trailing 5-year period, annualized | 31.91% | 33.21% | -1.30% |
Volatility (10Y)Calculated over the trailing 10-year period, annualized | 37.58% | 33.54% | +4.04% |
Dividends
NKSH vs. UMBF - Dividend Comparison
NKSH's dividend yield for the trailing twelve months is around 4.28%, more than UMBF's 1.23% yield.
| Position | TTM | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 | 2015 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
NKSH National Bankshares, Inc. | 4.28% | 4.50% | 5.26% | 7.76% | 3.72% | 4.02% | 4.44% | 3.09% | 3.32% | 2.57% | 2.67% | 3.21% |
UMBF UMB Financial Corporation | 1.23% | 1.42% | 1.39% | 1.83% | 1.78% | 1.30% | 1.81% | 1.76% | 1.92% | 1.45% | 1.28% | 2.04% |
Financials
NKSH vs. UMBF - Financials Comparison
This section allows you to compare key financial metrics between National Bankshares, 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
NKSH vs. UMBF - Profitability Comparison
NKSH - Gross Margin
Gross margin is calculated as gross profit divided by revenue. For the three months ending on Jun 2026, National Bankshares, Inc. reported a gross profit of 0.00 and revenue of 18.94M. 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 Jun 2026, UMB Financial Corporation reported a gross profit of 0.00 and revenue of 867.07M. Therefore, the gross margin over that period was 0.0%.
NKSH - Operating Margin
Operating margin is calculated as operating income divided by revenue. For the three months ending on Jun 2026, National Bankshares, Inc. reported an operating income of 0.00 and revenue of 18.94M, resulting in an operating margin of 0.0%.
UMBF - Operating Margin
Operating margin is calculated as operating income divided by revenue. For the three months ending on Jun 2026, UMB Financial Corporation reported an operating income of 0.00 and revenue of 867.07M, resulting in an operating margin of 0.0%.
NKSH - Net Margin
Net margin is calculated as net income divided by revenue. For the three months ending on Jun 2026, National Bankshares, Inc. reported a net income of 4.98M and revenue of 18.94M, resulting in a net margin of 26.3%.
UMBF - Net Margin
Net margin is calculated as net income divided by revenue. For the three months ending on Jun 2026, UMB Financial Corporation reported a net income of 261.44M and revenue of 867.07M, resulting in a net margin of 30.2%.
Frequently Asked Questions
NKSH and UMBF have a correlation of 0.57, meaning they provide meaningful diversification benefit when combined. Depending on your allocation goals, holding both could reduce overall portfolio risk.
UMBF has higher volatility (7.10%) compared to NKSH (6.18%). In terms of maximum drawdown, NKSH dropped -48.76% vs UMBF's -52.70%.
NKSH currently has the higher Sharpe Ratio (1.71 vs 1.42), 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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