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 The PNC Financial Services Group, Inc. 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 The PNC Financial Services Group, Inc. and UMB Financial Corporation compare based on key financial metrics to determine which better meets your investment needs.

About The PNC Financial Services Group, Inc. and UMB Financial Corporation

The PNC Financial Services Group, Inc. operates as a diversified financial services company in the United States. It operates through three segments: Retail Banking, Corporate & Institutional Banking, and Asset Management Group segments. The Retail Banking segment offers checking, savings, and money market accounts, and time deposit; residential mortgages, home equity loans and lines of credit, auto loans, credit cards, education loans, and personal and small business loans and lines of credit; and brokerage, insurance, and investment and cash management services. This segment serves consumer and small business customers through a network of branches, digital channels, ATMs, and through phone-based customer contact centers. The Corporate & Institutional Banking segment provides secured and unsecured loans, letters of credit, and equipment leases; cash and investment management, receivables and disbursement management, funds transfer, international payment, and access to online/mobile information management and reporting services; asset-backed financing, securities underwriting, loan syndications, mergers and acquisitions and equity capital markets advisory, and customer related services; and commercial loan servicing and technology solutions. It serves mid-sized and large corporations, and government and not-for-profit entities. The Asset Management Group segment offers investment and retirement planning, customized investment management, credit and cash management solutions, and trust management and administration services for high net worth and ultra high net worth individuals, and their families; and multi-generational family planning services. It also offers outsourced chief investment officer, custody, cash and fixed income client solutions, and retirement plan fiduciary investment services for institutional clients. The company was founded in 1865 and is headquartered in Pittsburgh, Pennsylvania.

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 The PNC Financial Services Group, Inc., UMB Financial Corporation Stock News

As of June 5, 2026, The PNC Financial Services Group, Inc. had a $91.7 billion market capitalization, compared to the Banks median of $740.5 million. The PNC Financial Services Group, Inc.’s stock is up 9.4% in 2026, up 3.3% in the previous five trading days and up 30.6% in the past year.

Currently, The PNC Financial Services Group, Inc.’s price-earnings ratio is 13.3. The PNC Financial Services Group, Inc.’s trailing 12-month revenue is $23.0 billion with a 31.3% net profit margin. Year-over-year quarterly sales growth most recently was 13.8%. Analysts expect adjusted earnings to reach $18.927 per share for the current fiscal year. The PNC Financial Services Group, Inc. currently has a 3.0% dividend yield.

As of June 5, 2026, UMB Financial Corporation had a $9.9 billion market cap, putting it in the 77th percentile of all stocks. UMB Financial Corporation’s stock is up 12.9% in 2026, down 1% in the previous five trading days and up 27.39% in the past year.

Currently, UMB Financial Corporation’s price-earnings ratio is 11.5. 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 The PNC Financial Services Group, Inc. 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 The PNC Financial Services Group, Inc. and UMB Financial Corporation’s stock grades to see how they measure up against one another.

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The PNC Financial Services Group, Inc. and UMB Financial Corporation’s Quality Grades

Company	Ticker	Quality
The PNC Financial Services Group, Inc.	PNC	F
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.

The PNC Financial Services Group, Inc. has a Quality Score of 12, which is Very Weak. UMB Financial Corporation has a Quality Score of 13, which is Very Weak.

The Quality Stock Winner: No Clear Winner

Neither The PNC Financial Services Group, Inc. 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 The PNC Financial Services Group, Inc. or UMB Financial Corporation is the better investment when it comes to quality.

The PNC Financial Services Group, Inc. and UMB Financial Corporation’s Momentum Grades

Company	Ticker	Momentum
The PNC Financial Services Group, Inc.	PNC	B
UMB Financial Corporation	UMBF	B

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%.

The PNC Financial Services Group, Inc. has a Momentum Score of 65, which is Strong. UMB Financial Corporation has a Momentum Score of 65, which is Strong.

The Momentum Grade Winner: It’s a Tie!

Looking at the Momentum Grade breakdown above, both The PNC Financial Services Group, Inc. and UMB Financial Corporation have a grade of B. For those who focus solely on a company’s momentum, further research will need to be conducted into both companies to see if they fit your individual needs as an investor.

The PNC Financial Services Group, Inc. and UMB Financial Corporation’s Estimate Revisions Grades

Company	Ticker	Earnings Estimate
The PNC Financial Services Group, Inc.	PNC	B
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.

The PNC Financial Services Group, Inc. has a Earnings Estimate Score of 67, which is Positive. UMB Financial Corporation has a Earnings Estimate Score of 72, which is Positive.

The Earnings Estimate Revisions Grade Winner: It’s a Tie!

Looking at the Earnings Estimate Revisions Grade breakdown above, both The PNC Financial Services Group, Inc. and UMB Financial Corporation have a grade of B. For those focusing solely on a company’s estimate revisions, other financial metrics will need to be evaluated to determine whether The PNC Financial Services Group, Inc. or UMB Financial Corporation is a better fit.

Other The PNC Financial Services Group, Inc. and UMB Financial Corporation Grades

In addition to Estimate Revisions, Quality and Momentum, 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 The PNC Financial Services Group, Inc. 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, The PNC Financial Services Group, Inc. or UMB Financial Corporation Stock?

Overall, The PNC Financial Services Group, Inc. stock has a Momentum Score of 65, Estimate Revisions Score of 67 and Quality Score of 12.

UMB Financial Corporation stock has a Momentum Score of 65, Estimate Revisions Score of 72 and Quality Score of 13.

Comparing The PNC Financial Services Group, Inc. 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.