Sifting through countless of stocks in the Banks industry can be tedious, and sometimes two stocks are just too similar to judge which is the better investment. If you’re on the fence about investing in KeyCorp or UMB Financial Corporation because you’re not sure how they measure up, it’s important to compare them on a few factors before making your decision.

Read on to learn how KeyCorp and UMB Financial Corporation compare based on key financial metrics to determine which better meets your investment needs.

About KeyCorp and UMB Financial Corporation

KeyCorp operates as the holding company for KeyBank National Association that provides various retail and commercial banking products and services in the United States. It operates in two segments, Consumer Bank and Commercial Bank. The company offers various deposits and investment products; personal finance and financial wellness, lending, student loan refinancing, mortgage and home equity, credit card, treasury, and business advisory; commercial leasing, investment management, consumer finance; and wealth management and investment services for institutional, non-profit, and high-net-worth clients. It also provides lending, cash management, equipment financing, and commercial mortgage loans; and capital market products and services, such as syndicated finance, debt and equity underwriting, fixed income and equity sales and trading, derivatives, foreign exchange, mergers and acquisition, other advisory services, and public finance to large corporate and institutional clients. In addition, the company offers personal and institutional trust custody services, personal financial and planning services, access to mutual funds, treasury services, and international banking services. Further, it provides community development financing, securities underwriting, brokerage, and investment banking services, as well as merchant services. The company was founded in 1849 and is headquartered in Cleveland, Ohio.

UMB Financial Corporation operates as a bank holding company that provides banking services and asset servicing in the United States and internationally. The company operates through three segments: Commercial Banking, Institutional Banking, and Personal Banking. The Commercial Banking segment provides commercial loans and credit cards; commercial real estate financing; letters of credit; loan syndication, and consultative services; various business solutions including asset-based lending, mezzanine debt, and minority equity investment; and treasury management service, such as depository service, account reconciliation, cash management tool, accounts payable and receivable solution, electronic fund transfer and automated payment, controlled disbursement, lockbox service, and remote deposit capture service. The Institutional Banking segment offers banking, fund, asset management, and healthcare services to institutional clients; fund administration and accounting, investor services and transfer agency, alternative investment services, fixed income sales, trading and underwriting, and corporate trust and escrow services, as well as institutional custody services. This segment also provides healthcare payment solutions, including custodial service for health saving accounts and private label, multipurpose debit cards to insurance carriers, third-party administrators, software companies, employers, and financial institutions. The Personal Banking segment offers deposit account, retail credit card, private banking, installment loan, home equity line of credit, residential mortgage, as well as internet banking, ATM network, private banking, brokerage and insurance service, and investment advisory, trust, and custody services. It operates through a network of branches and offices. The company was founded in 1913 and is headquartered in Kansas City, Missouri.

Latest Banks and KeyCorp, UMB Financial Corporation Stock News

As of May 12, 2026, KeyCorp had a $23.1 billion market capitalization, compared to the Banks median of $709.9 million. KeyCorp’s stock is up 2.6% in 2026, down 4.7% in the previous five trading days and up 37.38% in the past year.

Currently, KeyCorp’s price-earnings ratio is 13.1. KeyCorp’s trailing 12-month revenue is $7.2 billion with a 27.0% net profit margin. Year-over-year quarterly sales growth most recently was 11.8%. Analysts expect adjusted earnings to reach $1.820 per share for the current fiscal year. KeyCorp currently has a 3.9% dividend yield.

As of May 12, 2026, UMB Financial Corporation had a $9.8 billion market cap, putting it in the 77th percentile of all stocks. UMB Financial Corporation’s stock is up 11.5% in 2026, down 4.2% in the previous five trading days and up 25.2% in the past year.

Currently, UMB Financial Corporation’s price-earnings ratio is 11.4. UMB Financial Corporation’s trailing 12-month revenue is $2.7 billion with a 32.3% net profit margin. Year-over-year quarterly sales growth most recently was 49.1%. Analysts expect adjusted earnings to reach $12.878 per share for the current fiscal year. UMB Financial Corporation currently has a 1.3% dividend yield.

How We Compare KeyCorp and UMB Financial Corporation Stock Grades

Stock evaluation requires access to huge amounts of data and the knowledge and time to sift through it all, make sense of financial ratios, read income statements and analyze recent stock movements. AAII created A+ Investor, a robust data suite that condenses data research in an actionable and customizable way suitable for investors of all knowledge levels, to help investors streamline and work through such data.

AAII’s proprietary stock grades come with A+ Investor. These offer intuitive A‐F grades for each of five key investing factors: value, growth, momentum, earnings estimate revisions and quality. Here, we’ll take a closer look at KeyCorp and UMB Financial Corporation’s stock grades to see how they measure up against one another.

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KeyCorp and UMB Financial Corporation’s Quality Grades

Company	Ticker	Quality
KeyCorp	KEY	D
UMB Financial Corporation	UMBF	F

Like the Value Grade, AAII’s A+ Investor Quality Grade comes from the percentile rank of key metrics. Specifically, the Quality Score is the percentile rank of the average of the percentile ranks of return on assets (ROA), return on invested capital (ROIC), gross profit relative to assets, buyback yield, change in total liabilities to assets, accruals, Z double prime bankruptcy risk (Z) score and the F-Score.

The score is variable, meaning it can consider all eight measures or, should any of the eight measures not be valid, the remaining measures that are valid. To be assigned a Quality Score, stocks must have a valid (non-null) measure and corresponding ranking for at least four of the eight quality measures.

The Quality Score is used to assess the underlying “quality” of a particular stock. A higher-quality stock possesses traits associated with upside potential and reduced downside risk. Backtesting of the Quality Grade shows that stocks with higher grades, on average, outperformed stocks with lower grades over the period of 1998 through 2019.

Stocks receive better grades (higher scores) for having higher scores for the quality subcomponents and worse grades (lower scores) for lower scores for the subcomponents.

KeyCorp has a Quality Score of 34, which is Weak. UMB Financial Corporation has a Quality Score of 13, which is Very Weak.

The Quality Stock Winner: No Clear Winner

Neither KeyCorp or UMB Financial Corporation has a high enough Quality Grade to be considered a “winner.” Investors who are considering these companies should do additional due diligence and research to see if either could be a good addition to their portfolios. It’s important to look at a wide range of financial metrics in order to determine if KeyCorp or UMB Financial Corporation is the better investment when it comes to quality.

KeyCorp and UMB Financial Corporation’s Momentum Grades

Company	Ticker	Momentum
KeyCorp	KEY	C
UMB Financial Corporation	UMBF	C

Momentum grades help to uncover stocks experiencing anomalously high rates of return; research finds that stocks with high relative levels of momentum tend to outperform, whereas those with low levels of momentum tend to continue underperforming. Momentum is based on the price change of a stock over a specified period relative to all other stocks.

Typically, AAII looks at the weighted relative strength over the trailing four quarters. The weighted four-quarter relative strength rank is the relative price change for each of the past four quarters. The most recent quarterly price change is given a weight of 40% and each of the three previous quarters are given a weighting of 20%.

KeyCorp has a Momentum Score of 57, which is Average. UMB Financial Corporation has a Momentum Score of 53, which is Average.

The Momentum Stock Winner: No Clear Winner

Neither KeyCorp or UMB Financial Corporation has a strong enough Momentum Grade to be considered a “winner.” Investors considering these companies should do additional due diligence and research to see if either could be a good addition to their portfolios. It’s important to look at a wide range of financial metrics in order to determine if KeyCorp or UMB Financial Corporation is the better investment when it comes to momentum.

KeyCorp and UMB Financial Corporation’s Estimate Revisions Grades

Company	Ticker	Earnings Estimate
KeyCorp	KEY	B
UMB Financial Corporation	UMBF	A

Earnings estimate revisions scores consider the magnitude of a company’s earnings surprise in its last two reported fiscal quarters. Often, positive surprises beget further positive surprises‐or at least continued sales growth (the exact opposite is generally true, too).

Estimate revisions offer an indication of what analysts are thinking about the short-term prospects of a firm. Estimate revisions are based on the statistical significance of a firm’s last two quarterly earnings surprises and the percentage change in its consensus estimate for the current fiscal year over the past month and past three months.

KeyCorp has a Earnings Estimate Score of 61, which is Positive. UMB Financial Corporation has a Earnings Estimate Score of 85, which is Very Positive.

The Earnings Estimate Revisions Grade Winner: UMB Financial Corporation

As you can clearly see from the Earnings Estimate Revisions Grade breakdown above, UMB Financial Corporation has a better Earnings Estimate Revisions Grade than KeyCorp. For those who are specifically looking for companies with better short-term prospects when compared to other companies in the same industry, UMB Financial Corporation could be a good stock to invest in. However, it’s important to analyze multiple factors based on a wide range of metrics before deciding whether to buy.

Other KeyCorp and UMB Financial Corporation Grades

In addition to Momentum, Quality and Estimate Revisions, A+ Investor also provides grades for Value and Growth.

Growth investing builds on the idea that stocks of companies exhibiting strong, consistent and prolonged growth outperform those of slower-growth companies. AAII measures growth through consistency of annual sales growth, five-year sales growth rankings adjusted for extreme levels, and consistency of positive annual cash from operations.

Successful stock investing involves buying low and selling high, so stock valuation is an important consideration for stock selection. Buying stocks that are going to go up typically means buying stocks that are undervalued in the first place, although momentum investors may argue that point.

These 2 key factors, when combined with the above, provide a holistic view into a particular stock. Further, by joining A+ Investor you can see whether KeyCorp and UMB Financial Corporation pass any of our 60+ stock screens that have outperformed the market since their creation.

So, Which Is the Better Investment, KeyCorp or UMB Financial Corporation Stock?

Overall, KeyCorp stock has a Momentum Score of 57, Estimate Revisions Score of 61 and Quality Score of 34.

UMB Financial Corporation stock has a Momentum Score of 53, Estimate Revisions Score of 85 and Quality Score of 13.

Comparing KeyCorp and UMB Financial Corporation’s grades, scores and metrics can act as a solid basis to determine whether they may be a good investment or not. You’ll also want to look at your portfolio’s asset allocation as well as your risk tolerance and financial goals to see if either of these stocks would make a good fit for you. AAII can help you figure out which investments align with your individual needs and preferences.

Investors are encouraged to do their own due diligence and research. In this way, individuals can effectively become managers of their own assets‐without having to rely on others for financial independence. You can count on AAII for timeless articles on financial planning and stock-picking, unbiased research and actionable analysis.

A+ Investor adds to our qualitative teaching with a powerful data suite to help you whittle down investment choices to find stocks, exchange-traded funds (ETFs) or mutual funds that meet your needs.

AAII Disclaimer

We make no representations or warranties that any investor will, or is likely to, achieve profits similar to those shown, because past, hypothetical or simulated performance is not necessarily indicative of future results. Before making an investment decision, you should consider your circumstances and whether the information on our content is applicable to your situation. This information was prepared in good faith, and we accept no liability for any errors or omissions. The full disclaimer can be read here.