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

About UMB Financial Corporation and First Commonwealth Financial Corporation

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 Commonwealth Financial Corporation, a financial holding company, provides various consumer and commercial banking products and services in the United States. The company’s consumer services include internet, mobile, and telephone banking; an automated teller machine network; personal checking accounts, interest-earning checking accounts, savings and health savings accounts, insured money market accounts, debit cards, investment certificates, fixed and variable rate certificates of deposit, mortgage loans, secured and unsecured installment loans, construction and real estate loans, safe deposit facilities, credit cards, credit lines with overdraft checking protection, and IRA accounts. The company also provides commercial banking services comprising commercial lending and leasing, business checking accounts, online account management services, payroll direct deposits, commercial cash management services, and repurchase agreements, as well as ACH origination services. In addition, the company offers various trust and asset management services; auto, home, and business insurance, as well as term life insurance products; and annuities, mutual funds, and stock and bond brokerage services through a broker-dealer and insurance brokers. Further, it provides commercial real estate, residential real estate, real estate construction loans, and loans to individuals, as well as commercial, financial, agricultural, and other loans. The company was founded in 1934 and is headquartered in Indiana, Pennsylvania.

Latest Banks and UMB Financial Corporation, First Commonwealth Financial Corporation Stock News

As of October 21, 2026, UMB Financial Corporation had a $10.1 billion market capitalization, compared to the Banks median of $688.7 million. UMB Financial Corporation’s stock is up 17.5% in 2026, up 2.6% in the previous five trading days and up 18.29% in the past year.

Currently, UMB Financial Corporation’s price-earnings ratio is 11.1. 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 $13.267 per share for the current fiscal year. UMB Financial Corporation currently has a 1.5% dividend yield.

As of October 21, 2026, First Commonwealth Financial Corporation had a $2.1 billion market cap, putting it in the 55th percentile of all stocks. First Commonwealth Financial Corporation’s stock is up 24.3% in 2026, up 3.6% in the previous five trading days and up 27.22% in the past year.

Currently, First Commonwealth Financial Corporation’s price-earnings ratio is 12.5. First Commonwealth Financial Corporation’s trailing 12-month revenue is $507.1 million with a 33.2% net profit margin. Year-over-year quarterly sales growth most recently was 9.6%. Analysts expect adjusted earnings to reach $1.726 per share for the current fiscal year. First Commonwealth Financial Corporation currently has a 2.7% dividend yield.

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

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UMB Financial Corporation and First Commonwealth Financial Corporation Stock Value Grades

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 69, which is Value. First Commonwealth Financial Corporation has a Value Score of 63, which is Value.

The Value Stock Winner: It’s a Tie!

Looking at the Value Grade breakdown above, both UMB Financial Corporation and First Commonwealth Financial Corporation have a Value Grade of B. For investors who focus solely on a company’s valuation, you will need to conduct further research into both of these companies’ other metrics to see if they could be good additions to your portfolio. It’s important for investors to analyze multiple factors based on a wide range of metrics before deciding whether to buy.

UMB Financial Corporation and First Commonwealth Financial Corporation’s Momentum Grades

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%.

UMB Financial Corporation has a Momentum Score of 58, which is Average. First Commonwealth Financial Corporation has a Momentum Score of 64, which is Strong.

The Momentum Grade Winner: First Commonwealth Financial Corporation

As you can clearly see from the Momentum Grade breakdown above, First Commonwealth Financial Corporation is considered to have stronger momentum compared to UMB Financial Corporation. For those specifically looking for companies that have stronger momentum compared to other companies in the same industry, First Commonwealth Financial Corporation could be a good stock to invest in. 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 and First Commonwealth Financial Corporation’s Estimate Revisions Grades

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 79, which is Positive. First Commonwealth Financial Corporation has a Earnings Estimate Score of 38, which is Negative.

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 Commonwealth Financial Corporation. 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 and First Commonwealth Financial Corporation Grades

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

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.

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 and First Commonwealth Financial Corporation pass any of our 60+ stock screens that have outperformed the market since their creation.

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

Overall, UMB Financial Corporation stock has a Value Score of 69, Momentum Score of 58 and Estimate Revisions Score of 79.

First Commonwealth Financial Corporation stock has a Value Score of 63, Momentum Score of 64 and Estimate Revisions Score of 38.

Comparing UMB Financial Corporation and First Commonwealth 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.