Is UMBFO or VABK more undervalued in 2026?

CirclFi compares UMB Financial Corporation - Dep (UMBFO) and Virginia National Bankshares Co (VABK) using 13 institutional-grade valuation models. UMBFO has a Quality of Company score of 7.7/10 while VABK scores 8.8/10.

Which is a better buy — UMBFO or VABK?

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 VABK valuations compare?

UMBFO at $26.94 and VABK at $43.39 are compared across Bayesian DCF, EPV, EROIC Spread, First Chicago, Markov DDM, and 8 additional models.

UMBFO vs VABK Valuation Comparison 2026 — Intrinsic Value Analysis

UMBFO

National Commercial Banks

UMB Financial Corporation - Dep

Quality

7.7

out of 10

Value Trap

LOW

Price

$26.94

Last close

Models

4/13

Active

VABK

National Commercial Banks

Virginia National Bankshares Co

Quality

8.8

out of 10

Value Trap

LOW

Price

$43.39

Last close

Models

12/13

Active

Model-by-Model Comparison

Model	Type	UMBFO Fair Value	UMBFO Upside	VABK Fair Value	VABK Upside
Bayesian DCF	Intrinsic	—	—	$17.67	-59.3%
Earnings Power Value	Intrinsic	—	—	$20.90	-51.8%
EROIC Spread	Intrinsic	$132.71	+392.6%	$16.35	-62.3%
First Chicago	Scenario	$•••.••	••.•%	$•••.••	••.•%
Markov DDM	Intrinsic	$35.21	+30.7%	$17.20	-60.4%
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 VABK — Which Stock Is More Undervalued?

VABK scores higher with a 8.8/10 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 Virginia National Bankshares Co (VABK) 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 $26.94 with a QOC of 7.7/10, while VABK trades at $43.39 with a QOC of 8.8/10.

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).