UMB Financial Corporation (UMBF) vs Zions Bancorporation, National Association (ZION)
A side-by-side comparison of UMB Financial Corporation and Zions Bancorporation, National Association 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.
Total return — UMBF vs ZION
growth of $100 · dividends reinvested · last 10yUMBF vs ZION: by the numbers
- •UMBF is the larger company ($9.88B vs $9.17B market cap).
- •ZION trades at the lower trailing earnings multiple (8.00 vs 10.83 P/E), one valuation lens rather than an overall verdict.
- •ZION converts more revenue to profit (22.67% vs 20.67% net margin).
- •UMBF grew revenue faster over the past five years (28.02% vs 11.63% CAGR).
- •ZION pays the higher dividend yield (2.92% vs 1.38%).
Metrics side by side
Valuation
| Metric | UMBF | ZION |
|---|---|---|
| P/E ratio | 10.83 | 8.00 |
| Forward P/E | 9.82 | 7.86 |
| PEG ratio | 1.20 | 0.54 |
| P/S ratio | 2.17 | 1.78 |
| P/B ratio | 1.28 | 1.20 |
Profitability
| Metric | UMBF | ZION |
|---|---|---|
| Operating margin | 22.12% | 29.06% |
| Net margin | 20.67% | 22.67% |
| ROE | 11.74% | 15.25% |
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.
Zions Bancorporation, National Association: 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 | UMBF | ZION |
|---|---|---|
| Dividend yield | 1.38% | 2.92% |
| Payout ratio | 14.90% | 23.28% |
Growth (annualized)
| Metric | UMBF | ZION |
|---|---|---|
| Revenue CAGR (5Y) | 28.02% | 11.63% |
| EPS CAGR (5Y) | 9.11% | 14.72% |
| Total return CAGR (5Y) | 7.01% | 3.42% |
Frequently asked
- Which has the lower trailing P/E, UMBF or ZION?
- ZION has the lower trailing P/E: UMBF trades at 10.83 and ZION at 8.00. P/E is one valuation measure and does not by itself establish which business is cheaper.
- Which has grown faster, UMBF or ZION?
- Over the past five years, UMBF grew revenue faster — UMBF at a 28.02% CAGR versus ZION at 11.63%.
- Does UMBF or ZION pay a bigger dividend?
- UMBF yields 1.38% and ZION yields 2.92% based on trailing dividends and the latest price.
- Is UMBF or ZION more profitable?
- ZION runs the higher net margin — UMBF at 20.67% versus ZION at 22.67%.
- How have UMBF and ZION total returns compared?
- Over the past 10 years, UMBF delivered 9.82% and ZION delivered 10.24% annualized total return. Past performance doesn't predict future results.
Go deeper
Dig into the metrics
UMB Financial & Zions Bancorporation, National Association appear in these rankings
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.