Is UBS or UMBF more undervalued in 2026?

CirclFi compares UBS Group AG Registered (UBS) and UMB Financial Corporation (UMBF) using 13 institutional-grade valuation models. UBS has a Quality of Company score of 2.1/10 while UMBF scores 9.2/10.

Which is a better buy — UBS or UMBF?

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 UBS and UMBF valuations compare?

UBS at $47.08 and UMBF at $131.26 are compared across Bayesian DCF, EPV, EROIC Spread, First Chicago, Markov DDM, and 8 additional models.

UBS vs UMBF Valuation Comparison 2026 — Intrinsic Value Analysis

UBS

National Commercial Banks

UBS Group AG Registered

Quality

2.1

out of 10

Value Trap

—

Price

$47.08

Last close

Models

13/13

Active

UMBF

National Commercial Banks

UMB Financial Corporation

Quality

9.2

out of 10

Value Trap

LOW

Price

$131.26

Last close

Models

11/13

Active

Model-by-Model Comparison

Model	Type	UBS Fair Value	UBS Upside	UMBF Fair Value	UMBF Upside
Bayesian DCF	Intrinsic	$16.75	-64.4%	$138.27	+5.3%
Earnings Power Value	Intrinsic	$137.48	+204.1%	$182.06	+38.7%
EROIC Spread	Intrinsic	$•••.••	••.•%	$•••.••	••.•%
First Chicago	Scenario	$•••.••	••.•%	$•••.••	••.•%
Markov DDM	Intrinsic	$•••.••	••.•%	$•••.••	••.•%
ML-RIV	Intrinsic	$•••.••	••.•%	$•••.••	••.•%
Dynamic NAV	Asset-Based	$•••.••	••.•%	$•••.••	••.•%
PWERM	Option-Based	$•••.••	••.•%	$•••.••	••.•%
Regime Cross-Sectional	Relative	$•••.••	••.•%	$•••.••	••.•%
Sentiment SOTP	Hybrid	$•••.••	••.•%	$•••.••	••.•%
CUCE Ensemble	Ensemble	$•••.••	••.•%	$•••.••	••.•%
FTNN Topology	Relative	$•••.••	••.•%	$•••.••	••.•%
RCMH-DCF	Intrinsic	$•••.••	••.•%	$•••.••	••.•%

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UBS vs UMBF — Which Stock Is More Undervalued?

UMBF scores higher with a 9.2/10 quality rating vs UBS's 2.1/10. Both stocks are analyzed daily using SEC EDGAR filings across 13 independent models.

Comparing UBS Group AG Registered (UBS) and UMB Financial Corporation (UMBF) 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.

UBS currently trades at $47.08 with a QOC of 2.1/10, while UMBF trades at $131.26 with a QOC of 9.2/10.

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).