Is UMBFO or UNTY more undervalued in 2026?

CirclFi compares UMB Financial Corporation - Dep (UMBFO) and Unity Bancorp, Inc. (UNTY) using 13 institutional-grade valuation models. UMBFO has a Quality of Company score of 7.7/10 while UNTY scores 9.7/10.

Which is a better buy — UMBFO or UNTY?

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 UNTY valuations compare?

UMBFO at $26.96 and UNTY at $56.25 are compared across Bayesian DCF, EPV, EROIC Spread, First Chicago, Markov DDM, and 8 additional models.

UMBFO vs UNTY 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

UNTY

Banks - Regional

Unity Bancorp, Inc.

Quality

9.7

out of 10

Value Trap

SAFE

Price

$56.25

Last close

Models

12/13

Active

Model-by-Model Comparison

Model	Type	UMBFO Fair Value	UMBFO Upside	UNTY Fair Value	UNTY Upside
Bayesian DCF	Intrinsic	—	—	$44.11	-21.6%
Earnings Power Value	Intrinsic	—	—	$67.02	+19.1%
EROIC Spread	Intrinsic	$132.71	+392.2%	$38.57	-31.4%
First Chicago	Scenario	$•••.••	••.•%	$•••.••	••.•%
Markov DDM	Intrinsic	$27.89	+3.5%	$87.33	+55.3%
ML-RIV	Intrinsic	$•••.••	••.•%	$•••.••	••.•%
PWERM	Option-Based	$•••.••	••.•%	$•••.••	••.•%
Regime Cross-Sectional	Relative	$•••.••	••.•%	$•••.••	••.•%
Sentiment SOTP	Hybrid	$•••.••	••.•%	$•••.••	••.•%
CUCE Ensemble	Ensemble	$•••.••	••.•%	$•••.••	••.•%
FTNN Topology	Relative	$•••.••	••.•%	$•••.••	••.•%
RCMH-DCF	Intrinsic	$•••.••	••.•%	$•••.••	••.•%

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UMBFO vs UNTY — Which Stock Is More Undervalued?

UNTY scores higher with a 9.7/10 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 Unity Bancorp, Inc. (UNTY) 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 UNTY trades at $56.25 with a QOC of 9.7/10.

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).