Which has the lower trailing P/E, FCFS or UMBF?

UMBF has the lower trailing P/E: FCFS trades at 24.28 and UMBF at 10.83. P/E is one valuation measure and does not by itself establish which business is cheaper.

Which has grown faster, FCFS or UMBF?

Over the past five years, UMBF grew revenue faster — FCFS at a 21.61% CAGR versus UMBF at 28.02%.

Does FCFS or UMBF pay a bigger dividend?

FCFS yields 0.79% and UMBF yields 1.38% based on trailing dividends and the latest price.

Is FCFS or UMBF more profitable?

UMBF runs the higher net margin — FCFS at 9.42% versus UMBF at 20.67%.

How have FCFS and UMBF total returns compared?

Over the past 10 years, FCFS delivered 17.56% and UMBF delivered 9.82% annualized total return. Past performance doesn't predict future results.

FirstCash Holdings, Inc (FCFS) vs UMB Financial Corporation (UMBF)

A side-by-side comparison of FirstCash Holdings, Inc and UMB Financial Corporation across valuation, profitability, dividends, and growth — built entirely from reported fundamentals, as of October 6, 2026. Differences are shown without an overall score or investment verdict.

FCFS

FirstCash Holdings, Inc

$9.23B

$212.71Financial ServicesDelayed quote: Oct 6, 2026, 3:20 PM EDT

UMBF

UMB Financial Corporation

$9.88B

$130.11Financial ServicesDelayed quote: Oct 6, 2026, 3:15 PM EDT

Total return — FCFS vs UMBF

growth of $100 · dividends reinvested · last 10y

FCFS +418.5% (+17.9%/yr)UMBF +153.6% (+9.8%/yr)FCFS compounded faster over this window

FCFS UMBF

FCFS vs UMBF: by the numbers

•UMBF is the larger company ($9.88B vs $9.23B market cap).
•UMBF trades at the lower trailing earnings multiple (10.83 vs 24.28 P/E), one valuation lens rather than an overall verdict.
•UMBF converts more revenue to profit (20.67% vs 9.42% net margin).
•UMBF grew revenue faster over the past five years (28.02% vs 21.61% CAGR).
•UMBF pays the higher dividend yield (1.38% vs 0.79%).

Metrics side by side

Valuation

Metric	FCFS	UMBF
P/E ratio	24.28	10.83
Forward P/E	18.82	9.82
PEG ratio	1.02	1.20
P/S ratio	2.24	2.17
P/B ratio	3.97	1.28
EV / EBITDA	10.04	N/A
FCF yield	6.46%	N/A

Profitability

Metric	FCFS	UMBF
Gross margin	48.92%	N/A
Operating margin	16.11%	22.12%
Net margin	9.42%	20.67%
ROE	16.72%	11.74%
ROIC	9.42%	N/A

UMB Financial Corporation: Gross margin is not shown for a lender or insurer: its revenue is interest, premiums and fees rather than the sale of goods, so there is no cost of goods sold to measure it against.

Dividends

Metric	FCFS	UMBF
Dividend yield	0.79%	1.38%
Payout ratio	19.18%	14.90%

Growth (annualized)

Metric	FCFS	UMBF
Revenue CAGR (5Y)	21.61%	28.02%
EPS CAGR (5Y)	23.63%	9.11%
FCF CAGR (5Y)	30.99%	N/A
Total return CAGR (5Y)	21.13%	7.01%

Frequently asked

Which has the lower trailing P/E, FCFS or UMBF?: UMBF has the lower trailing P/E: FCFS trades at 24.28 and UMBF at 10.83. P/E is one valuation measure and does not by itself establish which business is cheaper.
Which has grown faster, FCFS or UMBF?: Over the past five years, UMBF grew revenue faster — FCFS at a 21.61% CAGR versus UMBF at 28.02%.
Does FCFS or UMBF pay a bigger dividend?: FCFS yields 0.79% and UMBF yields 1.38% based on trailing dividends and the latest price.
Is FCFS or UMBF more profitable?: UMBF runs the higher net margin — FCFS at 9.42% versus UMBF at 20.67%.
How have FCFS and UMBF total returns compared?: Over the past 10 years, FCFS delivered 17.56% and UMBF delivered 9.82% annualized total return. Past performance doesn't predict future results.

Go deeper

Full FCFS analysis Full UMBF analysis Interactive comparison tool

Dig into the metrics

FirstCash P/E ratio UMB Financial P/E ratio FirstCash dividend yield UMB Financial dividend yield FirstCash ROE UMB Financial ROE FirstCash operating margin UMB Financial operating margin FirstCash revenue growth UMB Financial revenue growth FirstCash free cash flow

FirstCash & UMB Financial appear in these rankings

Fastest Revenue Growth Stocks Highest FCF Yield Stocks Highest 10-Year Total Return Stocks Lowest P/E Ratio Stocks

Figures are sourced from reported fundamentals and the latest end-of-day price. This comparison is informational only and is not investment advice. Past performance does not predict future results. See our methodology. Compiled by TGMCharts Research · data verified October 6, 2026.