UMBF vs. RF
UMBF (UMB Financial Corporation) and RF (Regions Financial Corporation) are both stocks. Both operate in the Banks - Regional industry within the Financial Services sector. Over the past 10 years, UMBF returned 10.27%/yr vs 15.51%/yr for RF. At a 0.50 correlation, their price movements are largely independent.
Performance
UMBF vs. RF - Performance Comparison
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Returns By Period
In the year-to-date period, UMBF achieves a 12.73% return, which is significantly higher than RF's 5.42% return. Over the past 10 years, UMBF has underperformed RF with an annualized return of 10.27%, while RF has yielded a comparatively higher 15.51% annualized 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%
RF
- 1D
- 2.52%
- 1M
- 0.38%
- YTD
- 5.42%
- 6M
- 12.44%
- 1Y
- 38.10%
- 3Y*
- 21.67%
- 5Y*
- 8.77%
- 10Y*
- 15.51%
UMBF vs. RF - Yearly Performance Comparison
| 2026 (YTD) | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | |
|---|---|---|---|---|---|---|---|---|---|---|
UMBF UMB Financial Corporation | 12.73% | 3.44% | 37.34% | 2.21% | -19.97% | 56.04% | 2.64% | 14.71% | -13.86% | -5.37% |
RF Regions Financial Corporation | 5.42% | 21.99% | 27.00% | -5.69% | 2.33% | 39.39% | -1.61% | 33.35% | -20.59% | 22.95% |
Correlation
The correlation between UMBF and RF is 0.76, 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 | 0.76 |
Correlation (3Y) Calculated over the trailing 3-year period | 0.76 |
Correlation (5Y) Calculated over the trailing 5-year period | 0.76 |
Correlation (10Y) Calculated over the trailing 10-year period | 0.76 |
Correlation (All Time) Calculated using the full available price history since Mar 28, 1990 | 0.50 |
Over the past year, UMBF and RF have become more correlated (0.76) than their long-term average of 0.50, meaning their price movements have been converging.
Fundamentals
UMBF:
$15.48
RF:
$2.51
UMBF:
8.35
RF:
11.16
UMBF:
1.65
RF:
2.58
UMBF:
$4.46B
RF:
$9.62B
UMBF:
$1.99B
RF:
$7.29B
UMBF:
$937.72M
RF:
$2.90B
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Return for Risk
UMBF vs. RF — Risk / Return Rank
UMBF
RF
UMBF vs. RF - Risk-Adjusted Trends Comparison
This table presents a comparison of risk-adjusted performance metrics for UMB Financial Corporation (UMBF) and Regions Financial Corporation (RF). 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 | RF | Difference | |
|---|---|---|---|
Sharpe ratioReturn per unit of total volatility | 1.06 | 1.55 | -0.50 |
Sortino ratioReturn per unit of downside risk | 1.54 | 2.13 | -0.58 |
Omega ratioGain probability vs. loss probability | 1.21 | 1.28 | -0.07 |
Calmar ratioReturn relative to maximum drawdown | 1.46 | 2.04 | -0.58 |
Martin ratioReturn relative to average drawdown | 3.37 | 4.92 | -1.55 |
Data is calculated on a 1-year rolling basis and updated daily. The trend shows the change in the indicator over the past month. | |||
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Sharpe Ratios by Period
| UMBF | RF | Difference | |
|---|---|---|---|
Sharpe Ratio (1Y)Calculated over the trailing 1-year period | 1.06 | 1.55 | -0.50 |
Sharpe Ratio (5Y)Calculated over the trailing 5-year period | 0.23 | 0.28 | -0.05 |
Sharpe Ratio (10Y)Calculated over the trailing 10-year period | 0.31 | 0.43 | -0.13 |
Sharpe Ratio (All Time)Calculated using the full available price history | 0.26 | 0.18 | +0.09 |
Drawdowns
UMBF vs. RF - Drawdown Comparison
The maximum UMBF drawdown since its inception was -52.70%, smaller than the maximum RF drawdown of -92.65%. Use the drawdown chart below to compare losses from any high point for UMBF and RF.
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Drawdown Indicators
| UMBF | RF | Difference | |
|---|---|---|---|
Max DrawdownLargest peak-to-trough decline | -52.70% | -92.65% | +39.95% |
Max Drawdown (1Y)Largest decline over 1 year | -18.57% | -18.45% | -0.12% |
Max Drawdown (3Y)Largest decline over 3 years | -31.80% | -32.35% | +0.55% |
Max Drawdown (5Y)Largest decline over 5 years | -50.25% | -40.99% | -9.26% |
Max Drawdown (10Y)Largest decline over 10 years | -50.25% | -60.73% | +10.48% |
Current DrawdownCurrent decline from peak | -3.87% | -7.69% | +3.82% |
Average DrawdownAverage peak-to-trough decline | -17.77% | -31.08% | +13.31% |
Ulcer IndexDepth and duration of drawdowns from previous peaks | 8.05% | 7.64% | +0.41% |
Volatility
UMBF vs. RF - Volatility Comparison
UMB Financial Corporation (UMBF) has a higher volatility of 7.44% compared to Regions Financial Corporation (RF) at 6.73%. This indicates that UMBF's price experiences larger fluctuations and is considered to be riskier than RF based on this measure. The chart below showcases a comparison of their rolling one-month volatility.
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Volatility by Period
| UMBF | RF | Difference | |
|---|---|---|---|
Volatility (1M)Calculated over the trailing 1-month period | 7.44% | 6.73% | +0.71% |
Volatility (6M)Calculated over the trailing 6-month period | 18.56% | 17.73% | +0.83% |
Volatility (1Y)Calculated over the trailing 1-year period | 26.95% | 24.64% | +2.31% |
Volatility (5Y)Calculated over the trailing 5-year period, annualized | 33.30% | 31.51% | +1.79% |
Volatility (10Y)Calculated over the trailing 10-year period, annualized | 33.52% | 35.92% | -2.40% |
Dividends
UMBF vs. RF - Dividend Comparison
UMBF's dividend yield for the trailing twelve months is around 1.28%, less than RF's 3.78% yield.
| Position | TTM | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 | 2015 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
RF Regions Financial Corporation | 3.78% | 5.12% | 4.17% | 4.54% | 3.43% | 2.98% | 3.85% | 3.44% | 3.44% | 1.82% | 1.78% | 2.40% |
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. RF - Financials Comparison
This section allows you to compare key financial metrics between UMB Financial Corporation and Regions 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
UMBF vs. RF - Profitability Comparison
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%.
RF - Gross Margin
Gross margin is calculated as gross profit divided by revenue. For the three months ending on Jun 2026, Regions Financial Corporation reported a gross profit of 1.78B and revenue of 2.33B. Therefore, the gross margin over that period was 76.6%.
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%.
RF - Operating Margin
Operating margin is calculated as operating income divided by revenue. For the three months ending on Jun 2026, Regions Financial Corporation reported an operating income of 714.00M and revenue of 2.33B, resulting in an operating margin of 30.7%.
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%.
RF - Net Margin
Net margin is calculated as net income divided by revenue. For the three months ending on Jun 2026, Regions Financial Corporation reported a net income of 559.00M and revenue of 2.33B, resulting in a net margin of 24.0%.
Frequently Asked Questions
UMBF and RF have a correlation of 0.76, meaning they provide meaningful diversification benefit when combined. Depending on your allocation goals, holding both could reduce overall portfolio risk.
UMBF has higher volatility (7.44%) compared to RF (6.73%). In terms of maximum drawdown, UMBF dropped -52.70% vs RF's -92.65%.
RF currently has the higher Sharpe Ratio (1.55 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.
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