UMBF vs BSY

Comparison between UMB Financial Corp (UMBF, Company) and Bentley Systems Inc - Class B (BSY, Company).

UMBF is from the Financial Services sector, while BSY is from the Technology sector.

5-Year PerformanceUMBF has outperformed BSY, delivering a return of +8.1% compared to -10.5%

UMBF vs BSY - Performance Comparison

Log

Key Characteristics

Financial metrics and valuation ratios

Metric	UMBF(COMPANY)	BSY(COMPANY)
Market Cap	$10B	$10B
Max Drawdown	55.48%	61.05%
Sharpe Ratio	1.02	-1.03
5Y Beta	1.15	0.80
Industry	Banks - Regional	Software - Application
P/E Ratio	11.34	32.01
Forward P/E	10.89	23.20
PEG Ratio	0.07	0.99
Dividend Yield	1.27%	0.84%
5Y Dividends CAGR	10.33%	42.29%
5Y EPS CAGR	23.91%	N/A
Debt to Equity	6.10%	90.98%
Free Cash Flow Yield	9.80%	4.91%

Market Cap

UMBF

$10B

Winner

BSY

$10B

Max Drawdown

Winner

UMBF

55.48%

BSY

61.05%

Sharpe Ratio

Winner

UMBF

1.02

BSY

-1.03

5Y Beta

UMBF

1.15

Winner

BSY

0.80

Industry

UMBF

Banks - Regional

BSY

Software - Application

P/E Ratio

Winner

UMBF

11.34

BSY

32.01

Forward P/E

Winner

UMBF

10.89

BSY

23.20

PEG Ratio

Winner

UMBF

0.07

BSY

0.99

Dividend Yield

Winner

UMBF

1.27%

BSY

0.84%

5Y Dividends CAGR

UMBF

10.33%

Winner

BSY

42.29%

5Y EPS CAGR

UMBF

23.91%

BSY

N/A

Debt to Equity

Winner

UMBF

6.10%

BSY

90.98%

Free Cash Flow Yield

Winner

UMBF

9.80%

BSY

4.91%

UMBF vs BSY - Historical Returns

Returns include dividend reinvestment.

Period	UMBF	BSY
1 month	+4.75%	-0.37%
3 months	+13.75%	-11.74%
6 months	+19.09%	-23.00%
1 year	+28.63%	-32.40%
5 years(CAGR)	+8.12%	-10.52%
10 years(CAGR)	+10.36%	N/A
Max(CAGR)	+9.24%	-0.28%

Winner

UMBF

+4.75%

BSY

-0.37%

Winner

UMBF

+13.75%

BSY

-11.74%

Winner

UMBF

+19.09%

BSY

-23.00%

Winner

UMBF

+28.63%

BSY

-32.40%

5Y(CAGR)

Winner

UMBF

+8.12%

BSY

-10.52%

10Y(CAGR)

UMBF

+10.36%

BSY

N/A

Max(CAGR)

Winner

UMBF

+9.24%

BSY

-0.28%

UMBF vs BSY - Annual Returns (1999 - 2026)

Returns include dividend reinvestment.

Year	UMBF	BSY
2026	+13.16%	-15.44%
2025	+4.43%	-17.42%
2024	+36.78%	-4.93%
2023	+3.42%	+42.67%
2022	-20.94%	-23.62%
2021	+56.84%	+19.07%
2020	+2.31%	+21.07%
2019	+12.96%	N/A
2018	-14.08%	N/A
2017	-4.73%	N/A
2016	+72.72%	N/A
2015	-15.46%	N/A
2014	-8.37%	N/A
2013	+45.29%	N/A
2012	+16.28%	N/A
2011	-10.95%	N/A
2010	+7.25%	N/A
2009	-18.23%	N/A
2008	+33.58%	N/A
2007	+5.13%	N/A
2006	+13.65%	N/A
2005	+15.86%	N/A
2004	+20.02%	N/A
2003	+25.51%	N/A
2002	-4.66%	N/A
2001	+17.31%	N/A
2000	+4.09%	N/A
1999	-9.66%	N/A

UMBF vs BSY Drawdown Comparison

The maximum drawdown for UMBF was -52.70%, occurring on Oct 3, 2011. Recovery took 1303 trading sessions.

The maximum drawdown for BSY was -61.00%, occurring on May 11, 2022. This drawdown has not yet recovered.

The current UMBF drawdown is -2.29%. The current BSY drawdown is -53.80%.

Rank	UMBF	BSY
#1	-52.70% Sep 19, 2008 - Nov 21, 2013	-61.00% Sep 15, 2021 - May 11, 2022
#2	-50.23% Jan 14, 2022 - Sep 19, 2024	-26.27% Jan 12, 2021 - May 24, 2021
#3	-45.00% Jun 8, 2018 - Jan 7, 2021	-19.35% Oct 16, 2020 - Dec 31, 2020
#4	-37.76% Jan 22, 2014 - Nov 9, 2016	-14.00% Sep 25, 2020 - Oct 14, 2020
#5	-31.80% Nov 25, 2024 - Jan 21, 2026	-11.45% Jun 21, 2021 - Sep 3, 2021
#6	-29.26% Nov 3, 1999 - Jun 28, 2001	-4.45% Sep 23, 2020 - Sep 25, 2020
#7	-27.59% May 15, 2002 - Sep 16, 2003	-1.96% Jun 16, 2021 - Jun 21, 2021
#8	-22.52% Sep 19, 2007 - Apr 24, 2008	-0.93% Sep 7, 2021 - Sep 9, 2021
#9	-21.27% Mar 1, 2017 - Jun 7, 2018	-0.92% May 25, 2021 - May 27, 2021
#10	-18.57% Feb 6, 2026 - May 6, 2026	-0.55% Jun 11, 2021 - Jun 15, 2021
#11	-16.25% Aug 21, 2001 - Apr 1, 2002	-0.49% Sep 9, 2021 - Sep 15, 2021
#12	-16.10% Jun 20, 2008 - Jul 22, 2008	-0.28% May 27, 2021 - Jun 1, 2021
#13	-14.40% May 14, 2021 - Oct 1, 2021	N/A
#14	-12.75% Aug 11, 2008 - Sep 18, 2008	N/A
#15	-10.65% Dec 9, 2016 - Feb 21, 2017	N/A

Correlation

Correlation between UMBF and BSY is 0.02 which considered as a very weak or no correlation - the stocks move independently of each other.

0.02

-101

Dividend Comparison (1999 - 2026)

UMBF vs BSY dividend yield comparison.

Year	UMBF	BSY
2026	0.33%	0.22%
2025	1.42%	0.73%
2024	1.39%	0.51%
2023	1.83%	0.38%
2022	1.78%	0.32%
2021	1.30%	0.25%
2020	1.81%	0.07%
2019	1.76%	0.00%
2018	1.92%	0.00%
2017	1.45%	0.00%
2016	1.28%	0.00%
2015	2.04%	0.00%
2014	1.60%	0.00%
2013	1.35%	0.00%
2012	1.89%	0.00%
2011	2.12%	0.00%
2010	1.81%	0.00%
2009	1.80%	0.00%
2008	1.67%	0.00%
2007	1.49%	0.00%
2006	1.41%	0.00%
2005	1.42%	0.00%
2004	1.50%	0.00%
2003	1.70%	0.00%
2002	2.09%	0.00%
2001	1.45%	0.00%
2000	2.14%	0.00%
1999	0.50%	0.00%