UMB Financial (NASDAQ:UMBF) vs. Central Plains Bancshares (NASDAQ:CPBI) Head to Head Analysis

UMB Financial (NASDAQ:UMBF) and Central Plains Bancshares (NASDAQ:CPBI) are both finance companies, but which is the superior investment? We will contrast the two businesses based on the strength of their analyst recommendations, institutional ownership, profitability, valuation, dividends, earnings and risk.

Analyst Recommendations

This is a summary of recent ratings and price targets for UMB Financial and Central Plains Bancshares, as reported by MarketBeat.

	Sell Ratings	Hold Ratings	Buy Ratings	Strong Buy Ratings	Rating Score
UMB Financial	0	3	9	2	2.93
Central Plains Bancshares	0	1	0	0	2.00

UMB Financial currently has a consensus price target of $141.00, indicating a potential upside of 4.97%. Given UMB Financial’s stronger consensus rating and higher probable upside, equities research analysts plainly believe UMB Financial is more favorable than Central Plains Bancshares.

Volatility & Risk

UMB Financial has a beta of 0.79, meaning that its share price is 21% less volatile than the S&P 500. Comparatively, Central Plains Bancshares has a beta of 0.13, meaning that its share price is 87% less volatile than the S&P 500.

Profitability

This table compares UMB Financial and Central Plains Bancshares’ net margins, return on equity and return on assets.

	Net Margins	Return on Equity	Return on Assets
UMB Financial	16.90%	12.14%	1.19%
Central Plains Bancshares	12.78%	4.39%	0.72%

Insider & Institutional Ownership

87.8% of UMB Financial shares are owned by institutional investors. Comparatively, 24.3% of Central Plains Bancshares shares are owned by institutional investors. 5.5% of UMB Financial shares are owned by insiders. Comparatively, 8.6% of Central Plains Bancshares shares are owned by insiders. Strong institutional ownership is an indication that hedge funds, endowments and large money managers believe a company will outperform the market over the long term.

Valuation and Earnings

This table compares UMB Financial and Central Plains Bancshares”s top-line revenue, earnings per share (EPS) and valuation.

	Gross Revenue	Price/Sales Ratio	Net Income	Earnings Per Share	Price/Earnings Ratio
UMB Financial	$4.14 billion	2.46	$702.40 million	$9.13	14.71
Central Plains Bancshares	$27.31 million	2.71	$3.65 million	$0.97	18.14

UMB Financial has higher revenue and earnings than Central Plains Bancshares. UMB Financial is trading at a lower price-to-earnings ratio than Central Plains Bancshares, indicating that it is currently the more affordable of the two stocks.

Summary

UMB Financial beats Central Plains Bancshares on 12 of the 15 factors compared between the two stocks.

About UMB Financial

UMB Financial Corporation operates as the bank holding company that provides banking services and asset servicing in the United States and internationally. The Commercial Banking segment provides commercial loans and credit card; commercial real estate financing; letters of credit; loan syndication, and consultative service; 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 fund, asset management, and healthcare service to institutional clients; and fund administration and accounting, investor service and transfer agency, mutual fund service, alternative investment service, fixed income sale, trading and underwriting, and corporate trust and escrow service, as well as institutional custody service. This segment also provides healthcare payment solution includes custodial service for health saving accounts and private label, multipurpose debit cards to insurance carriers, third-party administrator, 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, custody, and trust services. It operates through a network of branches and offices. The company was founded in 1913 and is headquartered in Kansas City, Missouri.

About Central Plains Bancshares

Central Plains Bancshares, Inc. focuses on providing various banking products and services to retail customers, and small and medium-sized commercial customers in Nebraska, the United States. It offers checking accounts, savings accounts, and certificate of deposit accounts. The company also provides one- to four-family residential mortgage loans secured by properties, as well as commercial real estate loans, commercial and industrial loans, multi-family residential real estate loans, construction and land development loans, agricultural real estate and non-real estate loans, and consumer loans. In addition, it offers electronic banking services, including mobile banking, on-line banking and bill pay, and electronic funds transfer. The company was incorporated in 2023 and is based in Grand Island, Nebraska.