UMB Financial Corporation - Dep UMBFP

Competitive advantage analysis · financial-services

Bank Specialized
Overall moat score
77/100
Strong

Ranked against 399 peers in Banks - Regional

Key strengths

  • Strong Deposit Franchise Deposit franchise strength is evident (profitability score 0.84).
  • Strong Capital Position Capital position is strong (score 0.81), exceeding regulatory minimums.

The dashed ring is the peer median. Defense scores are percentile ranks against peers, so 50 is roughly the typical company in this group.

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Deposit Franchise

Strong
80
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Signals, strengths and risks for Deposit Franchise

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Signals, strengths and risks for Lending Advantage

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Signals, strengths and risks for Capital Strength

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Signals, strengths and risks for Cost Discipline

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Signals, strengths and risks for Revenue Diversification

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Signals, strengths and risks for Risk Management

Where UMBFP ranks in Banks - Regional

UMB Financial Corporation - Dep ranks #19 of 393 scored companies in Banks - Regional by moat score — the top 5%. The widest moat in the group is 1st Source Corporation (SRCE) at 86/100.

# Company Moat score Rating
15 Lakeland Financial Corporation LKFN 78/100 Strong
16 Bank First Corporation BFC 78/100 Strong
17 United Bankshares, Inc. UBSI 78/100 Strong
18 International Bancshares Corpor IBOC 77/100 Strong
19 UMB Financial Corporation - Dep UMBFP 77/100 Strong
20 Orange County Bancorp, Inc. OBT 77/100 Strong
21 The Bancorp, Inc. TBBK 77/100 Strong
22 Enterprise Financial Services C EFSC 77/100 Strong
23 Enterprise Financial Services C EFSCP 77/100 Strong

See every Banks & Lenders company ranked by moat score →

How UMBFP scores on the Bank Specialized defenses

Deposit Franchise

Score 80 · 22% of the moat score

A deposit franchise is the cheapest and most valuable thing a bank can own.

Lending Advantage

Not measurable · 18% of the moat score

Lending advantage is the ability to originate loans at attractive spreads without buying that volume with looser credit standards.

Capital Strength

Score 82 · 20% of the moat score

Capital is the buffer between loan losses and insolvency, and it is what regulators judge a bank on first.

Cost Discipline

Not measurable · 16% of the moat score

Banking carries high fixed costs in branches, compliance and technology, so what it costs to run the bank relative to what the bank earns is a genuine competitive variable.

Revenue Diversification

Score 66 · 14% of the moat score

A bank earning everything from net interest income is a leveraged bet on the rate cycle.

Risk Management

Not measurable · 10% of the moat score

Risk management is the defense that only reveals itself late.

How each Bank Specialized defense is measured, in full →

Understanding UMBFP's moat

What is UMB Financial Corporation - Dep's moat score?

UMB Financial Corporation - Dep (UMBFP) scores 77 out of 100 on the StatsAlpha Moat Map, which rates its competitive advantage as strong. It ranks #19 of 393 scored companies in Banks - Regional, the top 5%. The score is a weighted composite of 6 competitive defenses, each measured against industry peers of 399 companies in Banks - Regional. Its strongest defense is Capital Strength (82/100) and its weakest is Revenue Diversification (66/100).

How does UMB Financial Corporation - Dep compare with other Banks - Regional companies?

UMB Financial Corporation - Dep ranks #19 of 393 scored companies in Banks - Regional by moat score. The widest moat in Banks - Regional is 1st Source Corporation (SRCE) at 86/100. The companies ranked closest are International Bancshares Corpor (IBOC) at 77 just above it and Orange County Bancorp, Inc. (OBT) at 77 just below it.

How is the moat score calculated?

Each company is scored with an industry-specific template — Bank Specialized in this case, chosen because the defenses that matter to a bank are not the ones that matter to a software company. Every defense combines several financial signals, and each signal is measured as a percentile against a peer group of 399 companies in Banks - Regional. The defenses are then weighted to produce the overall score out of 100.

Why is UMB Financial Corporation - Dep scored with the Bank Specialized template?

A bank does not sell a product at a margin. It funds itself, lends at a spread, and books profits that remain an estimate until the loans are actually repaid. That makes the usual margin-and-return questions misleading, so the Bank template scores what really determines a bank's durability: where its funding comes from, what it lends against, how much capital stands behind it, and whether it has been pricing risk honestly.

Which competitive defenses are measured for UMB Financial Corporation - Dep?

The Bank Specialized template measures 6 defenses, and UMBFP scores: Deposit Franchise (80), Lending Advantage (not measurable), Capital Strength (82), Cost Discipline (not measurable), Revenue Diversification (66), Risk Management (not measurable). Each is scored independently as a percentile against peers, so a company can be strong on one and weak on another — the overall score reflects how those defenses are weighted for this industry.

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