Is UMBFO or USB more undervalued in 2026?

CirclFi compares UMB Financial Corporation - Dep (UMBFO) and U.S. Bancorp (USB) using 13 institutional-grade valuation models. UMBFO has a Quality of Company score of 7.7/10 while USB scores 6.7/10.

Which is a better buy — UMBFO or USB?

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 USB valuations compare?

UMBFO at $26.96 and USB at $54.45 are compared across Bayesian DCF, EPV, EROIC Spread, First Chicago, Markov DDM, and 8 additional models.

UMBFO vs USB 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

USB

Banks - Regional

U.S. Bancorp

Quality

6.7

out of 10

Value Trap

SAFE

Price

$54.45

Last close

Models

12/13

Active

Model-by-Model Comparison

Model	Type	UMBFO Fair Value	UMBFO Upside	USB Fair Value	USB Upside
Bayesian DCF	Intrinsic	—	—	$25.21	-53.7%
Earnings Power Value	Intrinsic	—	—	$64.32	+18.1%
EROIC Spread	Intrinsic	$132.71	+392.2%	$40.27	-26.0%
First Chicago	Scenario	$•••.••	••.•%	$•••.••	••.•%
Markov DDM	Intrinsic	$27.89	+3.5%	$29.42	-46.0%
ML-RIV	Intrinsic	$•••.••	••.•%	$•••.••	••.•%
Dynamic NAV	Asset-Based	$•••.••	••.•%	$•••.••	••.•%
Regime Cross-Sectional	Relative	$•••.••	••.•%	$•••.••	••.•%
Sentiment SOTP	Hybrid	$•••.••	••.•%	$•••.••	••.•%
CUCE Ensemble	Ensemble	$•••.••	••.•%	$•••.••	••.•%
FTNN Topology	Relative	$•••.••	••.•%	$•••.••	••.•%
RCMH-DCF	Intrinsic	$•••.••	••.•%	$•••.••	••.•%

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UMBFO vs USB — Which Stock Is More Undervalued?

UMBFO scores higher with a 7.7/10 quality rating vs USB's 6.7/10. Both stocks are analyzed daily using SEC EDGAR filings across 13 independent models.

Comparing UMB Financial Corporation - Dep (UMBFO) and U.S. Bancorp (USB) 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 USB trades at $54.45 with a QOC of 6.7/10.

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).