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 Fifth Third Bancorp 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 Fifth Third Bancorp and UMB Financial Corporation compare based on key financial metrics to determine which better meets your investment needs.

About Fifth Third Bancorp and UMB Financial Corporation

Fifth Third Bancorp operates as the bank holding company for Fifth Third Bank, National Association that provides a range of financial products and services in the United States. It operates through three segments: Commercial Banking, Consumer and Small Business Banking, and Wealth and Asset Management. The Commercial Banking segment offers credit intermediation, cash management, and financial services; lending and depository products; and cash management, foreign exchange and international trade finance, derivatives and capital markets services, asset-based lending, real estate finance, public finance, commercial leasing, and syndicated finance for business, government, and professional customers. Its Consumer and Small Banking segment engages in the provision of a range of deposit and loan products to individuals and small businesses; residential mortgage activities, including the origination, retention and servicing of residential mortgage loans, sales and securitizations of loans, and associated hedging activities; home equity loans and lines of credit, credit cards, automobile and other indirect lending, and other consumer lending services; and home improvement and solar energy installation loans through contractors and installers. The Wealth and Asset Management segment provides various wealth management services, such as wealth planning, investment management, banking, insurance, trust, and estate services for for individuals, companies, and not-for-profit organizations; retail brokerage services for individual clients; and advisory services for institutional clients. Fifth Third Bancorp was founded in 1858 and is headquartered in Cincinnati, 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 Fifth Third Bancorp, UMB Financial Corporation Stock News

As of August 20, 2026, Fifth Third Bancorp had a $49.4 billion market capitalization, compared to the Banks median of $751.0 million. Fifth Third Bancorp’s stock is NA in 2026, NA in the previous five trading days and up 27.34% in the past year.

Currently, Fifth Third Bancorp’s price-earnings ratio is 19.1. Fifth Third Bancorp’s trailing 12-month revenue is $10.1 billion with a 23.2% net profit margin. Year-over-year quarterly sales growth most recently was 51.8%. Analysts expect adjusted earnings to reach $4.085 per share for the current fiscal year. Fifth Third Bancorp currently has a 2.9% dividend yield.

Currently, UMB Financial Corporation’s price-earnings ratio is 12.2. UMB Financial Corporation’s trailing 12-month revenue is $2.8 billion with a 33.5% net profit margin. Year-over-year quarterly sales growth most recently was 12.2%. Analysts expect adjusted earnings to reach $13.205 per share for the current fiscal year. UMB Financial Corporation currently has a 1.4% dividend yield.

How We Compare Fifth Third Bancorp 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 Fifth Third Bancorp and UMB Financial Corporation’s stock grades to see how they measure up against one another.

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Fifth Third Bancorp and UMB Financial Corporation Stock Value Grades

Company	Ticker	Value
Fifth Third Bancorp	FITB	D
UMB Financial Corporation	UMBF	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.

Fifth Third Bancorp has a Value Score of 28, which is Expensive. UMB Financial Corporation has a Value Score of 65, which is Value.

The Value Stock Winner: UMB Financial Corporation

As you can clearly see from the Value Grade breakdown above, UMB Financial Corporation is considered to have better value than Fifth Third Bancorp. For investors who focus solely on a company’s valuation, 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.

Fifth Third Bancorp and UMB Financial Corporation Growth Grades

Company	Ticker	Growth
Fifth Third Bancorp	FITB	C
UMB Financial Corporation	UMBF	A

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.

Fifth Third Bancorp has a Growth Score of 56, which is Average. UMB Financial Corporation has a Growth Score of 83, which is Very Strong.

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 Fifth Third Bancorp. 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.

Fifth Third Bancorp and UMB Financial Corporation’s Estimate Revisions Grades

Company	Ticker	Earnings Estimate
Fifth Third Bancorp	FITB	D
UMB Financial Corporation	UMBF	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.

Fifth Third Bancorp has a Earnings Estimate Score of 36, which is Negative. UMB Financial Corporation has a Earnings Estimate Score of 77, 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 Fifth Third Bancorp. 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 Fifth Third Bancorp and UMB Financial Corporation 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 Fifth Third Bancorp 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, Fifth Third Bancorp or UMB Financial Corporation Stock?

Overall, Fifth Third Bancorp stock has a Value Score of 28, Growth Score of 56 and Estimate Revisions Score of 36.

UMB Financial Corporation stock has a Value Score of 65, Growth Score of 83 and Estimate Revisions Score of 77.

Comparing Fifth Third Bancorp 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.