Is UMBFO or UNB more undervalued in 2026?

CirclFi compares UMB Financial Corporation - Dep (UMBFO) and Union Bankshares, Inc. (UNB) using 13 institutional-grade valuation models. UMBFO has a Quality of Company score of 7.7/10 while UNB scores 8.7/10.

Which is a better buy — UMBFO or UNB?

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 UMBFO and UNB valuations compare?

UMBFO at $26.96 and UNB at $23.49 are compared across Bayesian DCF, EPV, EROIC Spread, First Chicago, Markov DDM, and 8 additional models.

UMBFO vs UNB Valuation Comparison 2026 — Intrinsic Value Analysis

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

UNB

Banks - Regional

Union Bankshares, Inc.

Quality

8.7

out of 10

Value Trap

SAFE

Price

$23.49

Last close

Models

11/13

Active

Model-by-Model Comparison

Model	Type	UMBFO Fair Value	UMBFO Upside	UNB Fair Value	UNB Upside
Bayesian DCF	Intrinsic	—	—	$20.85	-11.2%
Earnings Power Value	Intrinsic	—	—	$25.46	+8.4%
EROIC Spread	Intrinsic	$132.71	+392.2%	$15.63	-33.5%
First Chicago	Scenario	$•••.••	••.•%	$•••.••	••.•%
Markov DDM	Intrinsic	$27.89	+3.5%	$131.14	+458.3%
ML-RIV	Intrinsic	$•••.••	••.•%	$•••.••	••.•%
Regime Cross-Sectional	Relative	$•••.••	••.•%	$•••.••	••.•%
Sentiment SOTP	Hybrid	$•••.••	••.•%	$•••.••	••.•%
CUCE Ensemble	Ensemble	$•••.••	••.•%	$•••.••	••.•%
FTNN Topology	Relative	$•••.••	••.•%	$•••.••	••.•%
RCMH-DCF	Intrinsic	$•••.••	••.•%	$•••.••	••.•%

🔒

Unlock Full 13-Model Comparison

Access all valuation models for UMBFO vs UNB — including EROIC Spread, First Chicago, Markov DDM, PWERM, and 7 more.

Access Full Analysis — From $27/mo →

UMBFO vs UNB — Which Stock Is More Undervalued?

UNB scores higher with a 8.7/10 quality rating vs UMBFO's 7.7/10. Both stocks are analyzed daily using SEC EDGAR filings across 13 independent models.

Comparing UMB Financial Corporation - Dep (UMBFO) and Union Bankshares, Inc. (UNB) 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.

UMBFO currently trades at $26.96 with a QOC of 7.7/10, while UNB trades at $23.49 with a QOC of 8.7/10.

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).