Is UCB or UMBFO more undervalued in 2026?

CirclFi compares United Community Banks, Inc. (UCB) and UMB Financial Corporation - Dep (UMBFO) using 13 institutional-grade valuation models. UCB has a Quality of Company score of 9.0/10 while UMBFO scores 7.7/10.

Which is a better buy — UCB 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 UCB and UMBFO valuations compare?

UCB at $33.10 and UMBFO at $26.96 are compared across Bayesian DCF, EPV, EROIC Spread, First Chicago, Markov DDM, and 8 additional models.

UCB vs UMBFO Valuation Comparison 2026 — Intrinsic Value Analysis

UCB

Banks - Regional

United Community Banks, Inc.

Quality

9.0

out of 10

Value Trap

SAFE

Price

$33.10

Last close

Models

11/13

Active

UMBFO

Banks - Regional

UMB Financial Corporation - Dep

Quality

7.7

out of 10

Value Trap

LOW

Price

$26.96

Last close

Models

3/13

Active

Model-by-Model Comparison

Model	Type	UCB Fair Value	UCB Upside	UMBFO Fair Value	UMBFO Upside
Bayesian DCF	Intrinsic	$22.98	-30.6%	—	—
Earnings Power Value	Intrinsic	$27.94	-15.6%	—	—
EROIC Spread	Intrinsic	$18.15	-45.2%	$132.71	+392.2%
First Chicago	Scenario	$•••.••	••.•%	$•••.••	••.•%
Markov DDM	Intrinsic	$16.04	-51.5%	$27.89	+3.5%
ML-RIV	Intrinsic	$•••.••	••.•%	$•••.••	••.•%
Regime Cross-Sectional	Relative	$•••.••	••.•%	$•••.••	••.•%
Sentiment SOTP	Hybrid	$•••.••	••.•%	$•••.••	••.•%
CUCE Ensemble	Ensemble	$•••.••	••.•%	$•••.••	••.•%
FTNN Topology	Relative	$•••.••	••.•%	$•••.••	••.•%
RCMH-DCF	Intrinsic	$•••.••	••.•%	$•••.••	••.•%

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UCB vs UMBFO — Which Stock Is More Undervalued?

UCB scores higher with a 9.0/10 quality rating vs UMBFO's 7.7/10. Both stocks are analyzed daily using SEC EDGAR filings across 13 independent models.

Comparing United Community Banks, Inc. (UCB) 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.

UCB currently trades at $33.10 with a QOC of 9.0/10, while UMBFO trades at $26.96 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).