Compare price, profitability, solvency, and SEC-reported financials side by side—before deciding which assumptions deserve a closer look.
FY 2025 ·
Decision snapshot: UMBF stock price vs WMB: inconclusive Relative valuation is incomplete for this pair. Review the available filing metrics before drawing a conclusion.
Quick read
Each company valued on the other's multiple, then compared with the market price.
Implied fair value · at WMB's multiple
Needs WMB P/E.
Implied fair value · at UMBF's multiple
Needs UMBF P/E.
Snapshot Sep 4, 4:00 PM ET
Metric by metric
Where each company leads, and how wide the gap is.
Growth edge
Pricing power
Operating leverage
Multiple discount
Not comparable
Lower leverage
Statements
Core statements aligned to each company's latest fiscal year.
SEC periods: UMBF FY 2025 (ended Dec 31, 2025) · WMB FY 2025 (ended Dec 31, 2025).
Trendline
Five fiscal years of revenue, earnings, and margins before underwriting a re-rating.
Price framework
Market cap plus debt, less cash.
Capital structure 96% equity / 4% debt · EV / Revenue 1.08x · EV / EBITDA 1.49x
Complete market value, debt and cash evidence is required for enterprise value.
Capital structure 76% equity / 24% debt
WMB carries the larger enterprise value at $118.71B against $3.62B; UMBF trades on the lower EV / Revenue multiple (1.08x vs 9.93x); UMBF on the lower EV / EBITDA (1.49x vs 21.68x).
Price framework
The same filing-backed model used on each company's valuation page, with company-specific inputs and calculated scenarios.
UMB FINANCIAL CORP · implied price per share
Debt and bridge-cash inputs are required to translate enterprise value into equity value.
WILLIAMS COMPANIES, INC. · implied price per share
Debt and bridge-cash inputs are required to translate enterprise value into equity value.
Balance sheet health
Financial health checks to separate durable balance sheets from potential value traps.
Financial strength on a 0–9 scale.
Bankruptcy-risk signal from balance sheet and earnings power.
Not enough data to score either balance sheet.
Debt / equity
Total debt against shareholders' equity
0.06x
2.19x
Net debt / EBITDA
Leverage against operating earnings
-3.00x
—
Cash and equivalents
Liquid reserves on the balance sheet
$7.77B
—
Total debt
Interest-bearing obligations outstanding
$474.23M
$28.02B
Comparable set
Where the pair sits against the wider comparable set.
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