Stocks / AFL vs UMBF

AFL vs UMBF: Which Stock Is the Better Buy?

AFLAC Incorporated and UMB Financial Corporation side by side — fundamentals from SEC filings, refreshed nightly. Sector: Financial Services.

On the fundamentals, UMBF earns a higher net margin (25.5% vs 21.2%); AFL has the stronger return on equity (12.4% vs 8.9%); UMBF trades cheaper on earnings (11.5× vs 14.6×). On the filings, AFL carries fewer potential red flags (1 vs 2). Full numbers below — the stronger figure on each row is in green.

AI verdict — AFL vs UMBF, read from the filings

The stronger business, the cheaper stock, and the risks — synthesised from both companies’ SEC filings, every figure computed not guessed. Not investment advice.

 AFLAC Incorporated (AFL)UMB Financial Corporation (UMBF)
Market cap$10.0B
Revenue (latest FY)$17.16B$2.69B
Net income (latest FY)$3.65B$684.62M
Revenue growth (5y CAGR)-5.0%
Net margin21.2%25.5%
Return on equity12.4%8.9%
P/E ratio14.611.5
Dividend yield1.9%1.3%
Profitable years (of last 10)1010
Positive free cash flowYes

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Use the filing period and source shown by each tool before treating two figures as comparable.

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See the full AFL vs UMBF breakdown

Both companies across 19 years of income statement, balance sheet and cash flow — with ratios, health checks and Ask, the SEC-grounded research assistant. Free, no account needed.

Open AFL's full financials →   Open UMBF's full financials →

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Frequently asked questions

Which is bigger, AFL or UMBF?

Market capitalization data is not available for both companies.

Which grows faster, AFL or UMBF?

Five-year growth data is not available for both companies.

Where does this data come from?

All figures are computed from official SEC filings (10-K), refreshed nightly. This is a data comparison, not investment advice.

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AFL fundamentals → · UMBF fundamentals → · All 1,500+ companies → · Free screener →