Is TFC or UMBFO more undervalued in 2026?

CirclFi compares Truist Financial Corporation (TFC) and UMB Financial Corporation - Dep (UMBFO) using 13 institutional-grade valuation models. TFC has a Quality of Company score of 8.4/10 while UMBFO scores 7.7/10.

Which is a better buy — TFC or UMBFO?

Compare intrinsic values from 13 independent models against current market prices. CirclFi also calculates Value Trap scores. This is not financial advice — conduct your own analysis.

How do TFC and UMBFO valuations compare?

TFC at $48.21 and UMBFO at $26.94 are compared across Bayesian DCF, EPV, EROIC Spread, First Chicago, Markov DDM, and 8 additional models.

TFC vs UMBFO Valuation Comparison 2026 — Intrinsic Value Analysis

TFC

National Commercial Banks

Truist Financial Corporation

Quality

8.4

out of 10

Value Trap

SAFE

Price

$48.21

Last close

Models

11/13

Active

UMBFO

National Commercial Banks

UMB Financial Corporation - Dep

Quality

7.7

out of 10

Value Trap

LOW

Price

$26.94

Last close

Models

4/13

Active

Model-by-Model Comparison

Model	Type	TFC Fair Value	TFC Upside	UMBFO Fair Value	UMBFO Upside
Bayesian DCF	Intrinsic	$72.75	+50.9%	—	—
Earnings Power Value	Intrinsic	$17.16	-64.4%	—	—
EROIC Spread	Intrinsic	$27.18	-43.6%	$132.71	+392.6%
First Chicago	Scenario	$•••.••	••.•%	$•••.••	••.•%
Markov DDM	Intrinsic	$27.88	-42.2%	$35.21	+30.7%
ML-RIV	Intrinsic	$•••.••	••.•%	$•••.••	••.•%
Regime Cross-Sectional	Relative	$•••.••	••.•%	$•••.••	••.•%
Sentiment SOTP	Hybrid	$•••.••	••.•%	$•••.••	••.•%
CUCE Ensemble	Ensemble	$•••.••	••.•%	$•••.••	••.•%
FTNN Topology	Relative	$•••.••	••.•%	$•••.••	••.•%
RCMH-DCF	Intrinsic	$•••.••	••.•%	$•••.••	••.•%

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TFC vs UMBFO — Which Stock Is More Undervalued?

TFC scores higher with a 8.4/10 quality rating vs UMBFO's 7.7/10. Both stocks are analyzed daily using SEC EDGAR filings across 13 independent models.

Comparing Truist Financial Corporation (TFC) and UMB Financial Corporation - Dep (UMBFO) across 13 institutional-grade valuation models reveals how each company's intrinsic value stacks up against its market price. CirclFi's engine processes SEC EDGAR 10-K and 10-Q filings, FRED macroeconomic data, and GDELT news sentiment to generate independent fair value estimates daily.

TFC currently trades at $48.21 with a QOC of 8.4/10, while UMBFO trades at $26.94 with a QOC of 7.7/10.

Both companies are analyzed with models spanning intrinsic (Bayesian DCF, EPV), scenario-based (First Chicago), regime-switching (Markov DDM, RCMH-DCF), machine learning (ML-RIV, FTNN Topology), and ensemble methods (CUCE).