UMBF vs. TMUS
UMBF (UMB Financial Corporation) and TMUS (T-Mobile US, Inc.) are both stocks. UMBF operates in Banks - Regional (Financial Services), while TMUS operates in Telecom Services (Communication Services). Over the past 10 years, UMBF returned 10.27%/yr vs 16.30%/yr for TMUS. At a 0.27 correlation, their price movements are largely independent.
Performance
UMBF vs. TMUS - 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 TMUS's -6.04% return. Over the past 10 years, UMBF has underperformed TMUS with an annualized return of 10.27%, while TMUS has yielded a comparatively higher 16.30% 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%
TMUS
- 1D
- 1.12%
- 1M
- -3.17%
- YTD
- -6.04%
- 6M
- -9.21%
- 1Y
- -20.85%
- 3Y*
- 14.60%
- 5Y*
- 6.77%
- 10Y*
- 16.30%
UMBF vs. TMUS - 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% |
TMUS T-Mobile US, Inc. | -6.04% | -6.58% | 39.70% | 15.02% | 20.71% | -13.99% | 71.96% | 23.28% | 0.16% | 10.43% |
Correlation
The correlation between UMBF and TMUS 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 | 0.09 |
Correlation (5Y) Calculated over the trailing 5-year period | 0.19 |
Correlation (10Y) Calculated over the trailing 10-year period | 0.22 |
Correlation (All Time) Calculated using the full available price history since Apr 20, 2007 | 0.27 |
The correlation between UMBF and TMUS shifts across timeframes, from -0.06 (1 year) to 0.27 (all time), reflecting how their relationship changes across market environments.
Fundamentals
UMBF:
$15.48
TMUS:
$9.41
UMBF:
8.35
TMUS:
20.06
UMBF:
1.11
TMUS:
0.30
UMBF:
1.65
TMUS:
2.34
UMBF:
$4.46B
TMUS:
$90.53B
UMBF:
$1.99B
TMUS:
$34.92B
UMBF:
$937.72M
TMUS:
$28.22B
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Return for Risk
UMBF vs. TMUS — Risk / Return Rank
UMBF
TMUS
UMBF vs. TMUS - Risk-Adjusted Trends Comparison
This table presents a comparison of risk-adjusted performance metrics for UMB Financial Corporation (UMBF) and T-Mobile US, Inc. (TMUS). 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 | TMUS | Difference | |
|---|---|---|---|
Sharpe ratioReturn per unit of total volatility | 1.06 | -0.85 | +1.91 |
Sortino ratioReturn per unit of downside risk | 1.54 | -1.15 | +2.69 |
Omega ratioGain probability vs. loss probability | 1.21 | 0.87 | +0.34 |
Calmar ratioReturn relative to maximum drawdown | 1.46 | -0.72 | +2.18 |
Martin ratioReturn relative to average drawdown | 3.37 | -1.19 | +4.56 |
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 | TMUS | Difference | |
|---|---|---|---|
Sharpe Ratio (1Y)Calculated over the trailing 1-year period | 1.06 | -0.85 | +1.91 |
Sharpe Ratio (5Y)Calculated over the trailing 5-year period | 0.23 | 0.29 | -0.06 |
Sharpe Ratio (10Y)Calculated over the trailing 10-year period | 0.31 | 0.63 | -0.32 |
Sharpe Ratio (All Time)Calculated using the full available price history | 0.26 | 0.20 | +0.06 |
Drawdowns
UMBF vs. TMUS - Drawdown Comparison
The maximum UMBF drawdown since its inception was -52.70%, smaller than the maximum TMUS drawdown of -86.29%. Use the drawdown chart below to compare losses from any high point for UMBF and TMUS.
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Drawdown Indicators
| UMBF | TMUS | Difference | |
|---|---|---|---|
Max DrawdownLargest peak-to-trough decline | -52.70% | -86.29% | +33.59% |
Max Drawdown (1Y)Largest decline over 1 year | -18.57% | -28.51% | +9.94% |
Max Drawdown (3Y)Largest decline over 3 years | -31.80% | -31.88% | +0.08% |
Max Drawdown (5Y)Largest decline over 5 years | -50.25% | -31.99% | -18.26% |
Max Drawdown (10Y)Largest decline over 10 years | -50.25% | -31.99% | -18.26% |
Current DrawdownCurrent decline from peak | -3.87% | -29.22% | +25.35% |
Average DrawdownAverage peak-to-trough decline | -17.77% | -25.95% | +8.18% |
Ulcer IndexDepth and duration of drawdowns from previous peaks | 8.05% | 17.24% | -9.19% |
Volatility
UMBF vs. TMUS - Volatility Comparison
UMB Financial Corporation (UMBF) has a higher volatility of 7.44% compared to T-Mobile US, Inc. (TMUS) at 5.31%. This indicates that UMBF's price experiences larger fluctuations and is considered to be riskier than TMUS based on this measure. The chart below showcases a comparison of their rolling one-month volatility.
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Volatility by Period
| UMBF | TMUS | Difference | |
|---|---|---|---|
Volatility (1M)Calculated over the trailing 1-month period | 7.44% | 5.31% | +2.13% |
Volatility (6M)Calculated over the trailing 6-month period | 18.56% | 18.70% | -0.14% |
Volatility (1Y)Calculated over the trailing 1-year period | 26.95% | 24.63% | +2.32% |
Volatility (5Y)Calculated over the trailing 5-year period, annualized | 33.30% | 23.79% | +9.51% |
Volatility (10Y)Calculated over the trailing 10-year period, annualized | 33.52% | 26.05% | +7.47% |
Dividends
UMBF vs. TMUS - Dividend Comparison
UMBF's dividend yield for the trailing twelve months is around 1.28%, less than TMUS's 2.09% yield.
| Position | TTM | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 | 2015 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
TMUS T-Mobile US, Inc. | 2.09% | 1.80% | 1.28% | 0.41% | 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. TMUS - Financials Comparison
This section allows you to compare key financial metrics between UMB Financial Corporation and T-Mobile US, Inc.. 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. TMUS - 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%.
TMUS - Gross Margin
Gross margin is calculated as gross profit divided by revenue. For the three months ending on Jun 2026, T-Mobile US, Inc. reported a gross profit of 0.00 and revenue of 23.11B. Therefore, the gross margin over that period was 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%.
TMUS - Operating Margin
Operating margin is calculated as operating income divided by revenue. For the three months ending on Jun 2026, T-Mobile US, Inc. reported an operating income of 4.50B and revenue of 23.11B, resulting in an operating margin of 19.5%.
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%.
TMUS - Net Margin
Net margin is calculated as net income divided by revenue. For the three months ending on Jun 2026, T-Mobile US, Inc. reported a net income of 2.50B and revenue of 23.11B, resulting in a net margin of 10.8%.
Frequently Asked Questions
UMBF and TMUS 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.
UMBF has higher volatility (7.44%) compared to TMUS (5.31%). In terms of maximum drawdown, UMBF dropped -52.70% vs TMUS's -86.29%.
UMBF currently has the higher Sharpe Ratio (1.06 vs -0.85), 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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