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Side-by-side financial comparison of UMB FINANCIAL CORP (UMBF) and VALLEY NATIONAL BANCORP (VLY). Click either name above to swap in a different company.
UMB FINANCIAL CORP is the larger business by last-quarter revenue ($739.2M vs $540.4M, roughly 1.4× VALLEY NATIONAL BANCORP). UMB FINANCIAL CORP runs the higher net margin — 35.4% vs 30.3%, a 5.0% gap on every dollar of revenue. On growth, UMB FINANCIAL CORP posted the faster year-over-year revenue change (321.6% vs 13.0%). Over the past eight quarters, UMB FINANCIAL CORP's revenue compounded faster (73.7% CAGR vs 16.0%).
UMB Financial Corporation is an American financial services company headquartered in Kansas City, Missouri. It offers comprehensive financial services, including deposit solutions like checking and savings accounts, credit services including home mortgages, auto loans, business loans and credit cards, as well as investing and wealth management. UMB serves individuals, companies and institutions across the U.S. and in Ireland.
VALLEY NATIONAL BANCORPVLYEarnings & Financial Report
North Valley Bancorp was a bank holding company headquartered in Redding, California. The company operated 22 branches. The company was acquired by TriCo Bancshares in October 2014, in a merger valued at more than $178 million.
UMBF vs VLY — Head-to-Head
Income Statement — Q1 FY2026 vs Q1 FY2026
| Metric | | |
|---|---|---|
| Revenue | $739.2M | $540.4M |
| Net Profit | $261.4M | $163.9M |
| Gross Margin | — | — |
| Operating Margin | — | — |
| Net Margin | 35.4% | 30.3% |
| Revenue YoY | 321.6% | 13.0% |
| Net Profit YoY | 221.4% | 54.6% |
| EPS (diluted) | $3.35 | $0.29 |
Green = leading value per metric. Periods may differ when fiscal calendars don't align.
8-Quarter Revenue & Profit Trend
Side-by-side quarterly history. Quarters aligned by calendar period so offset fiscal years line up.
| Q1 26 | $739.2M | $540.4M | ||
| Q4 25 | $522.5M | $464.9M | ||
| Q3 25 | $475.0M | $446.2M | ||
| Q2 25 | $467.0M | $432.4M | ||
| Q1 25 | $397.6M | $420.1M | ||
| Q4 24 | $269.0M | $423.0M | ||
| Q3 24 | $247.4M | $410.5M | ||
| Q2 24 | $245.1M | $401.7M |
| Q1 26 | $261.4M | $163.9M | ||
| Q4 25 | $215.4M | $195.4M | ||
| Q3 25 | $188.3M | $163.4M | ||
| Q2 25 | $217.4M | $133.2M | ||
| Q1 25 | $81.3M | $106.1M | ||
| Q4 24 | $120.0M | $115.7M | ||
| Q3 24 | $109.6M | $97.9M | ||
| Q2 24 | $101.3M | $70.4M |
| Q1 26 | — | — | ||
| Q4 25 | 51.7% | 47.7% | ||
| Q3 25 | 49.8% | 47.1% | ||
| Q2 25 | 58.9% | 40.0% | ||
| Q1 25 | 23.4% | 33.1% | ||
| Q4 24 | 53.8% | 21.1% | ||
| Q3 24 | 54.8% | 30.9% | ||
| Q2 24 | 51.8% | 23.2% |
| Q1 26 | 35.4% | 30.3% | ||
| Q4 25 | 41.2% | 42.0% | ||
| Q3 25 | 39.6% | 36.6% | ||
| Q2 25 | 46.5% | 30.8% | ||
| Q1 25 | 20.5% | 25.2% | ||
| Q4 24 | 44.6% | 27.4% | ||
| Q3 24 | 44.3% | 23.8% | ||
| Q2 24 | 41.3% | 17.5% |
| Q1 26 | $3.35 | $0.29 | ||
| Q4 25 | $2.90 | $0.33 | ||
| Q3 25 | $2.36 | $0.28 | ||
| Q2 25 | $2.82 | $0.22 | ||
| Q1 25 | $1.21 | $0.18 | ||
| Q4 24 | $2.44 | $0.20 | ||
| Q3 24 | $2.23 | $0.18 | ||
| Q2 24 | $2.07 | $0.13 |
Balance Sheet & Financial Strength
Snapshot of each company's liquidity, leverage and book value from the latest quarter.
| Metric | | |
|---|---|---|
| Cash + ST InvestmentsLiquidity on hand | — | — |
| Total DebtLower is stronger | $477.2M | $2.6B |
| Stockholders' EquityBook value | $7.8B | $7.9B |
| Total Assets | $72.7B | $64.5B |
| Debt / EquityLower = less leverage | 0.06× | 0.33× |
8-quarter trend — quarters aligned by calendar period.
| Q1 26 | — | — | ||
| Q4 25 | $7.8B | — | ||
| Q3 25 | $8.8B | — | ||
| Q2 25 | $11.0B | — | ||
| Q1 25 | $10.6B | — | ||
| Q4 24 | $8.4B | — | ||
| Q3 24 | $7.3B | — | ||
| Q2 24 | $5.0B | — |
| Q1 26 | $477.2M | $2.6B | ||
| Q4 25 | $474.2M | — | ||
| Q3 25 | $471.3M | — | ||
| Q2 25 | $657.3M | — | ||
| Q1 25 | $654.4M | — | ||
| Q4 24 | $385.3M | — | ||
| Q3 24 | $384.8M | — | ||
| Q2 24 | $384.2M | — |
| Q1 26 | $7.8B | $7.9B | ||
| Q4 25 | $7.7B | $7.8B | ||
| Q3 25 | $7.4B | $7.7B | ||
| Q2 25 | $7.3B | $7.6B | ||
| Q1 25 | $6.7B | $7.5B | ||
| Q4 24 | $3.5B | $7.4B | ||
| Q3 24 | $3.5B | $7.0B | ||
| Q2 24 | $3.2B | $6.7B |
| Q1 26 | $72.7B | $64.5B | ||
| Q4 25 | $73.1B | $64.1B | ||
| Q3 25 | $71.9B | $63.0B | ||
| Q2 25 | $71.8B | $62.7B | ||
| Q1 25 | $69.3B | $61.9B | ||
| Q4 24 | $50.4B | $62.5B | ||
| Q3 24 | $47.5B | $62.1B | ||
| Q2 24 | $44.5B | $62.1B |
| Q1 26 | 0.06× | 0.33× | ||
| Q4 25 | 0.06× | — | ||
| Q3 25 | 0.06× | — | ||
| Q2 25 | 0.09× | — | ||
| Q1 25 | 0.10× | — | ||
| Q4 24 | 0.11× | — | ||
| Q3 24 | 0.11× | — | ||
| Q2 24 | 0.12× | — |
Financial Flow Comparison
Revenue → gross profit → operating profit → net profit for each company.
