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 UMB Financial Corporation, First Citizens BancShares or Inc. 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 UMB Financial Corporation, First Citizens BancShares and Inc. compare based on key financial metrics to determine which better meets your investment needs.

About UMB Financial Corporation, First Citizens BancShares and Inc.

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.

First Citizens BancShares, Inc. operates as the holding company for First-Citizens Bank & Trust Company that provides retail and commercial banking services to individuals, businesses, and professionals in the United States and internationally. It operates through the General Bank, Commercial Bank, and Rail segments. The General Bank segment offers deposit products, including checking, savings, money market, and time deposit accounts; conforming and jumbo residential mortgage, and business and commercial loans; brokerage, investment advisory, private stock loans, other secured and unsecured lending products, and vineyard development loans; planning-based financial strategies, family office, financial planning, tax planning, and trust services; and payment and treasury services. This segment also includes a community association bank business that supports deposit, cash management, and lending to homeowner associations and property management companies. Its Commercial Bank segment provides a range of leasing, capital markets, asset management, and other financial and advisory services; factoring, receivable management, supply chain financing, and secured financing services; and commercial deposit products and services through online and mobile banking platforms, as well as physical locations. The Rail segment offers customized leasing and financing solutions on a fleet of railcars and locomotives to railroads and shippers. Its railcar types include covered hopper cars used to ship grain and agricultural products, plastic pellets, sand, and cement; tank cars for energy products and chemicals; gondolas for coal, steel coil and mill service products; open-top hopper cars for coal and aggregates; boxcars for paper and auto parts; and centerbeams and flat cars for lumber. First Citizens BancShares, Inc. was founded in 1898 and is headquartered in Raleigh, North Carolina.

Latest Banks and UMB Financial Corporation, First Citizens BancShares, Inc. Stock News

As of May 27, 2026, UMB Financial Corporation had a $10.0 billion market capitalization, compared to the Banks median of $744.5 million. UMB Financial Corporation’s stock is NA in 2026, NA in the previous five trading days and up 29.81% in the past year.

Currently, UMB Financial Corporation’s price-earnings ratio is 11.7. 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.

Currently, First Citizens BancShares, Inc.’s price-earnings ratio is 11.5. First Citizens BancShares, Inc.’s trailing 12-month revenue is $9.1 billion with a 24.7% net profit margin. Year-over-year quarterly sales growth most recently was 4.9%. Analysts expect adjusted earnings to reach $175.680 per share for the current fiscal year. First Citizens BancShares, Inc. currently has a 0.4% dividend yield.

How We Compare UMB Financial Corporation, First Citizens BancShares and Inc. 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 UMB Financial Corporation, First Citizens BancShares and Inc.’s stock grades to see how they measure up against one another.

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UMB Financial Corporation, First Citizens BancShares and Inc. Stock Value Grades

Company	Ticker	Value
UMB Financial Corporation	UMBF	C
First Citizens BancShares, Inc.	FCNC.A	B

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.

AAII’s A+ Investor Value Grade derives from a stock’s value score. The Value Score is the percentile rank of the average of the percentile ranks of the price-to-sales ratio, price-earnings ratio, enterprise-value-to-EBITDA (EV/EBITDA) ratio, shareholder yield, price-to-book-value ratio and price-to-free-cash-flow ratio. The score is variable, meaning it can consider all six ratios or, should any of the six ratios not be valid, the remaining ratios that are valid. To be assigned a Value Score, stocks must have a valid (non-null) ratio and corresponding ranking for at least two of the six valuation ratios.

Stocks with a Value Score from 81 to 100 are considered deep value, those with a score between 61 and 80 are a good value and so on.

UMB Financial Corporation has a Value Score of 52, which is Average. First Citizens BancShares, Inc. has a Value Score of 77, which is Value.

The Value Stock Winner: First Citizens BancShares, Inc.

As you can clearly see from the Value Grade breakdown above, First Citizens BancShares, Inc. is considered to have better value than UMB Financial Corporation. For investors who focus solely on a company’s valuation, First Citizens BancShares, Inc. could be a good stock to add to their portfolio. However, it’s important for investors to analyze multiple factors based on a wide range of metrics before deciding whether to buy.

UMB Financial Corporation, First Citizens BancShares and Inc. Growth Grades

Company	Ticker	Growth
UMB Financial Corporation	UMBF	A
First Citizens BancShares, Inc.	FCNC.A	D

The foundation of growth investing is seeking out stocks of companies exhibiting strong, consistent and prolonged growth that is expected to continue into the future.

In order to compute the growth score and assign it a letter grade, the percentile ranks for each of three components‐consistency of annual sales growth, five-year sales growth rankings adjusted for extreme levels, and consistency of positive annual cash from operations‐must be determined. These three rank figures are added together, and the sum is ranked against the entire stock universe to arrive at a company’s Growth Score to create an equal distribution of grades.

The companies in the bottom 20% of the stock universe receive Growth Grades of F, considered to be very weak, while those in the top 20% receive A grades, which are considered very strong.

UMB Financial Corporation has a Growth Score of 83, which is Very Strong. First Citizens BancShares, Inc. has a Growth Score of 32, which is Weak.

The Growth Grade Winner: UMB Financial Corporation

As you can clearly see from the Growth Grade breakdown above, UMB Financial Corporation has a more attractive growth grade than First Citizens BancShares, Inc.. For investors who focus solely on how a company is growing relative to other companies in the same industry, UMB Financial Corporation could be a good stock to add to their portfolio. However, it’s important for investors to analyze multiple factors based on a wide range of metrics before deciding whether to buy.

UMB Financial Corporation, First Citizens BancShares and Inc.’s Estimate Revisions Grades

Company	Ticker	Earnings Estimate
UMB Financial Corporation	UMBF	A
First Citizens BancShares, Inc.	FCNC.A	B

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.

UMB Financial Corporation has a Earnings Estimate Score of 84, which is Very Positive. First Citizens BancShares, Inc. has a Earnings Estimate Score of 69, which is 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 First Citizens BancShares, Inc.. 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 UMB Financial Corporation, First Citizens BancShares and Inc. Grades

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

Momentum grades help 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.

AAII’s A+ Investor Quality Grade comes from the ranking of key metrics. Specifically, the quality grade is the percentile rank of the composite 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 F-Score.

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 UMB Financial Corporation, First Citizens BancShares and Inc. pass any of our 60+ stock screens that have outperformed the market since their creation.

So, Which Is the Better Investment, UMB Financial Corporation, First Citizens BancShares or Inc. Stock?

Overall, UMB Financial Corporation stock has a Value Score of 52, Growth Score of 83 and Estimate Revisions Score of 84.

First Citizens BancShares, Inc. stock has a Value Score of 77, Growth Score of 32 and Estimate Revisions Score of 69.

Comparing UMB Financial Corporation, First Citizens BancShares and Inc.’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.