UMBF vs. CRDO

Last updated Jun 3, 2026

UMBF (UMB Financial Corporation) and CRDO (Credo Technology Group Holding Ltd) are both stocks. UMBF operates in Banks - Regional (Financial Services), while CRDO operates in Communication Equipment (Technology). Over the past 3 years, UMBF returned 28.87%/yr vs 140.51%/yr for CRDO. At a 0.26 correlation, their price movements are largely independent.

Performance

UMBF vs. CRDO - Performance Comparison

The chart below illustrates the hypothetical performance of a $10,000 investment in UMB Financial Corporation (UMBF) and Credo Technology Group Holding Ltd (CRDO). The values are adjusted to include any dividend payments, if applicable.

Returns By Period

In the year-to-date period, UMBF achieves a 12.73% return, which is significantly lower than CRDO's 59.15% return.

UMBF

• 1D: 0.81%
• 1M: -0.04%
• YTD: 12.73%
• 6M: 17.27%
• 1Y: 28.36%
• 3Y*: 28.87%
• 5Y*: 7.52%
• 10Y*: 10.27%

CRDO

• 1D: 1.28%
• 1M: 24.20%
• YTD: 59.15%
• 6M: 21.52%
• 1Y: 265.52%
• 3Y*: 140.51%
• 5Y*: —
• 10Y*: —

*Multi-year figures are annualized to reflect compound growth (CAGR)

UMBF vs. CRDO - Yearly Performance Comparison

	2026 (YTD)	2025	2024	2023	2022
UMBF UMB Financial Corporation	12.73%	3.44%	37.34%	2.21%	-11.64%
CRDO Credo Technology Group Holding Ltd	59.15%	114.09%	245.20%	46.28%	14.25%

Correlation

The correlation between UMBF and CRDO is 0.06, meaning there is essentially no relationship between their price movements. Each responds to its own set of market drivers, making them strong candidates for combining in a diversified portfolio.

	Correlation
Correlation (1Y) Calculated over the trailing 1-year period	0.06
Correlation (3Y) Calculated over the trailing 3-year period	0.20
Correlation (All Time) Calculated using the full available price history since Jan 28, 2022	0.26

The correlation between UMBF and CRDO shifts across timeframes, from 0.06 (1 year) to 0.26 (all time), reflecting how their relationship changes across market environments.

Fundamentals

EPS UMBF : $15.48 CRDO : $2.50
PE Ratio UMBF : 8.35 CRDO : 91.76
PEG Ratio UMBF : 1.11 CRDO : 0.08
PS Ratio UMBF : 1.65 CRDO : 32.46
Total Revenue (TTM) UMBF : $4.46B CRDO : $1.34B
Gross Profit (TTM) UMBF : $1.99B CRDO : $908.35M
EBITDA (TTM) UMBF : $937.72M CRDO : $463.79M

Return for Risk

UMBF vs. CRDO — Risk / Return Rank

Compare risk-adjusted metric ranks to identify better-performing investments over the past 12 months.

UMBF

UMBF Risk / Return Rank: 68
UMBF Sharpe Ratio Rank: 72
UMBF Sortino Ratio Rank: 65
UMBF Omega Ratio Rank: 66
UMBF Calmar Ratio Rank: 67
UMBF Martin Ratio Rank: 67

CRDO

CRDO Risk / Return Rank: 90
CRDO Sharpe Ratio Rank: 95
CRDO Sortino Ratio Rank: 89
CRDO Omega Ratio Rank: 86
CRDO Calmar Ratio Rank: 91
CRDO Martin Ratio Rank: 90

The rank (0–100) shows how this investment's returns compare to the risk taken. Higher = better. Based on the past 12 months of data, combining Sharpe, Sortino, and other metrics used by quantitative funds and institutional investors.

UMBF vs. CRDO - Risk-Adjusted Trends Comparison

This table presents a comparison of risk-adjusted performance metrics for UMB Financial Corporation (UMBF) and Credo Technology Group Holding Ltd (CRDO). 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.

	UMBF	CRDO	Difference
Sharpe ratio Return per unit of total volatility	1.06	3.12	-2.06
Sortino ratio Return per unit of downside risk	1.54	3.13	-1.58
Omega ratio Gain probability vs. loss probability	1.21	1.37	-0.17
Calmar ratio Return relative to maximum drawdown	1.46	5.14	-3.68
Martin ratio Return relative to average drawdown	3.37	12.44	-9.07
Data is calculated on a 1-year rolling basis and updated daily. The trend shows the change in the indicator over the past month.

UMBF vs. CRDO - Sharpe Ratio Comparison

The current UMBF Sharpe Ratio is 1.06, which is lower than the CRDO Sharpe Ratio of 3.12. The chart below compares the historical Sharpe Ratios of UMBF and CRDO, calculated using daily returns over the previous 12 months. A higher Sharpe Ratio indicates better risk-adjusted performance relative to the risk-free rate.

Sharpe Ratios by Period

	UMBF	CRDO	Difference
Sharpe Ratio (1Y) Calculated over the trailing 1-year period	1.06	3.12	-2.06
Sharpe Ratio (5Y) Calculated over the trailing 5-year period	0.23	—	—
Sharpe Ratio (10Y) Calculated over the trailing 10-year period	0.31	—	—
Sharpe Ratio (All Time) Calculated using the full available price history	0.26	1.22	-0.96

Drawdowns

UMBF vs. CRDO - Drawdown Comparison

The maximum UMBF drawdown since its inception was -52.70%, smaller than the maximum CRDO drawdown of -62.04%. Use the drawdown chart below to compare losses from any high point for UMBF and CRDO.

Drawdown Indicators

	UMBF	CRDO	Difference
Max Drawdown Largest peak-to-trough decline	-52.70%	-62.04%	+9.34%
Max Drawdown (1Y) Largest decline over 1 year	-18.57%	-53.59%	+35.02%
Max Drawdown (3Y) Largest decline over 3 years	-31.80%	-61.05%	+29.25%
Max Drawdown (5Y) Largest decline over 5 years	-50.25%	—	—
Max Drawdown (10Y) Largest decline over 10 years	-50.25%	—	—
Current Drawdown Current decline from peak	-3.87%	-2.98%	-0.89%
Average Drawdown Average peak-to-trough decline	-17.77%	-19.50%	+1.73%
Ulcer Index Depth and duration of drawdowns from previous peaks	8.05%	22.16%	-14.11%

Volatility

UMBF vs. CRDO - Volatility Comparison

The current volatility for UMB Financial Corporation (UMBF) is 7.44%, while Credo Technology Group Holding Ltd (CRDO) has a volatility of 28.10%. This indicates that UMBF experiences smaller price fluctuations and is considered to be less risky than CRDO based on this measure. The chart below showcases a comparison of their rolling one-month volatility.

Volatility by Period

	UMBF	CRDO	Difference
Volatility (1M) Calculated over the trailing 1-month period	7.44%	28.10%	-20.66%
Volatility (6M) Calculated over the trailing 6-month period	18.56%	64.64%	-46.08%
Volatility (1Y) Calculated over the trailing 1-year period	26.95%	85.74%	-58.79%
Volatility (5Y) Calculated over the trailing 5-year period, annualized	33.30%	81.38%	-48.08%
Volatility (10Y) Calculated over the trailing 10-year period, annualized	33.52%	81.38%	-47.86%

Dividends

UMBF vs. CRDO - Dividend Comparison

UMBF's dividend yield for the trailing twelve months is around 1.28%, while CRDO has not paid dividends to shareholders.

Position	TTM	2025	2024	2023	2022	2021	2020	2019	2018	2017	2016	2015
CRDO Credo Technology Group Holding Ltd	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%
UMBF UMB Financial Corporation	1.28%	1.42%	1.39%	1.83%	1.78%	1.30%	1.81%	1.76%	1.92%	1.45%	1.28%	2.04%

Financials

UMBF vs. CRDO - Profitability Comparison

The chart below illustrates the profitability comparison between UMB Financial Corporation and Credo Technology Group Holding Ltd over time, highlighting three key metrics: Gross Profit Margin, Operating Margin, and Net Profit Margin.

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%.

CRDO - Gross Margin

Gross margin is calculated as gross profit divided by revenue. For the three months ending on Jun 2026, Credo Technology Group Holding Ltd reported a gross profit of 298.07M and revenue of 437.00M. Therefore, the gross margin over that period was 68.2%.

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%.

CRDO - Operating Margin

Operating margin is calculated as operating income divided by revenue. For the three months ending on Jun 2026, Credo Technology Group Holding Ltd reported an operating income of 155.85M and revenue of 437.00M, resulting in an operating margin of 35.7%.

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%.

CRDO - Net Margin

Net margin is calculated as net income divided by revenue. For the three months ending on Jun 2026, Credo Technology Group Holding Ltd reported a net income of 169.10M and revenue of 437.00M, resulting in a net margin of 38.7%.

Frequently Asked Questions

Can I hold both UMBF and CRDO in my portfolio?

UMBF and CRDO have a correlation of 0.06, meaning they provide meaningful diversification benefit when combined. Depending on your allocation goals, holding both could reduce overall portfolio risk.

Which is riskier, UMBF or CRDO?

CRDO has higher volatility (28.10%) compared to UMBF (7.44%). In terms of maximum drawdown, UMBF dropped -52.70% vs CRDO's -62.04%.

Which has better risk-adjusted returns?

CRDO currently has the higher Sharpe Ratio (3.12 vs 1.06), 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.