FGBI
Price
$5.03
Change
+$0.03 (+0.60%)
Updated
Dec 26 closing price
Capitalization
77.23M
38 days until earnings call
Intraday BUY SELL Signals
UMBF
Price
$118.90
Change
-$0.00 (-0.00%)
Updated
Dec 26 closing price
Capitalization
9.03B
38 days until earnings call
Intraday BUY SELL Signals
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FGBI vs UMBF

Header iconFGBI vs UMBF Comparison
Open Charts FGBI vs UMBFBanner chart's image
First Guaranty Bancshares
Price$5.03
Change+$0.03 (+0.60%)
Volume$5.94K
Capitalization77.23M
UMB Financial
Price$118.90
Change-$0.00 (-0.00%)
Volume$275.7K
Capitalization9.03B
FGBI vs UMBF Comparison Chart in %
FGBI
Daily Signal:
Gain/Loss:
UMBF
Daily Signal:
Gain/Loss:
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FGBI vs. UMBF commentary
Dec 27, 2025

To compare these two companies we present long-term analysis, their fundamental ratings and make comparative short-term technical analysis which are presented below. The conclusion is FGBI is a Buy and UMBF is a Buy.

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COMPARISON
Comparison
Dec 27, 2025
Stock price -- (FGBI: $5.03 vs. UMBF: $118.90)
Brand notoriety: FGBI and UMBF are both not notable
Both companies represent the Regional Banks industry
Current volume relative to the 65-day Moving Average: FGBI: 27% vs. UMBF: 57%
Market capitalization -- FGBI: $77.23M vs. UMBF: $9.03B
FGBI [@Regional Banks] is valued at $77.23M. UMBF’s [@Regional Banks] market capitalization is $9.03B. The market cap for tickers in the [@Regional Banks] industry ranges from $170.58B to $0. The average market capitalization across the [@Regional Banks] industry is $8.63B.

Long-Term Analysis

It is best to consider a long-term outlook for a ticker by using Fundamental Analysis (FA) ratings. The rating of 1 to 100, where 1 is best and 100 is worst, is divided into thirds. The first third (a green rating of 1-33) indicates that the ticker is undervalued; the second third (a grey number between 34 and 66) means that the ticker is valued fairly; and the last third (red number of 67 to 100) reflects that the ticker is undervalued. We use an FA Score to show how many ratings show the ticker to be undervalued (green) or overvalued (red).

FGBI’s FA Score shows that 1 FA rating(s) are green whileUMBF’s FA Score has 1 green FA rating(s).

  • FGBI’s FA Score: 1 green, 4 red.
  • UMBF’s FA Score: 1 green, 4 red.
According to our system of comparison, UMBF is a better buy in the long-term than FGBI.

Short-Term Analysis

It is best to consider a short-term outlook for a ticker by using Technical Analysis (TA) indicators. We use Odds of Success as the percentage of outcomes which confirm successful trade signals in the past.

If the Odds of Success (the likelihood of the continuation of a trend) for each indicator are greater than 50%, then the generated signal is confirmed. A green percentage from 90% to 51% indicates that the ticker is in a bullish trend. A red percentage from 90% - 51% indicates that the ticker is in a bearish trend. All grey percentages are below 50% and are considered not to confirm the trend signal.

FGBI’s TA Score shows that 5 TA indicator(s) are bullish while UMBF’s TA Score has 5 bullish TA indicator(s).

  • FGBI’s TA Score: 5 bullish, 3 bearish.
  • UMBF’s TA Score: 5 bullish, 5 bearish.
According to our system of comparison, FGBI is a better buy in the short-term than UMBF.

Price Growth

FGBI (@Regional Banks) experienced а -0.59% price change this week, while UMBF (@Regional Banks) price change was -0.04% for the same time period.

The average weekly price growth across all stocks in the @Regional Banks industry was -0.29%. For the same industry, the average monthly price growth was +3.93%, and the average quarterly price growth was +15.53%.

Reported Earning Dates

FGBI is expected to report earnings on Feb 03, 2026.

UMBF is expected to report earnings on Feb 03, 2026.

Industries' Descriptions

@Regional Banks (-0.29% weekly)

Regional banks have a smaller reach than major banks, and cater mostly to one region of a country, such as a state or within a group of states. They offer services often similar – albeit with some limitations/smaller scale – compared to major banks. Taking deposits, making loans, mortgages, leases, credit cards , fund management, insurance and investment banking. SunTrust Banks, State Street Corp., M&T Bank Corp. are some examples of U.S. regional banks.

SUMMARIES
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FUNDAMENTALS
Fundamentals
UMBF($9.03B) has a higher market cap than FGBI($77.2M). FGBI has higher P/E ratio than UMBF: FGBI (61.92) vs UMBF (13.27). UMBF YTD gains are higher at: 6.511 vs. FGBI (-55.555). UMBF has more cash in the bank: 1.09B vs. FGBI (363M). FGBI has less debt than UMBF: FGBI (179M) vs UMBF (252M). UMBF has higher revenues than FGBI: UMBF (2.16B) vs FGBI (96.5M).
FGBIUMBFFGBI / UMBF
Capitalization77.2M9.03B1%
EBITDAN/AN/A-
Gain YTD-55.5556.511-853%
P/E Ratio61.9213.27467%
Revenue96.5M2.16B4%
Total Cash363M1.09B33%
Total Debt179M252M71%
FUNDAMENTALS RATINGS
FGBI vs UMBF: Fundamental Ratings
FGBI
UMBF
OUTLOOK RATING
1..100
369
VALUATION
overvalued / fair valued / undervalued
1..100
95
Overvalued
56
Fair valued
PROFIT vs RISK RATING
1..100
10043
SMR RATING
1..100
9511
PRICE GROWTH RATING
1..100
6550
P/E GROWTH RATING
1..100
359
SEASONALITY SCORE
1..100
n/a50

Tickeron ratings are formulated such that a rating of 1 designates the most successful stocks in a given industry, while a rating of 100 points to the least successful stocks for that industry.

UMBF's Valuation (56) in the Regional Banks industry is somewhat better than the same rating for FGBI (95). This means that UMBF’s stock grew somewhat faster than FGBI’s over the last 12 months.

UMBF's Profit vs Risk Rating (43) in the Regional Banks industry is somewhat better than the same rating for FGBI (100). This means that UMBF’s stock grew somewhat faster than FGBI’s over the last 12 months.

UMBF's SMR Rating (11) in the Regional Banks industry is significantly better than the same rating for FGBI (95). This means that UMBF’s stock grew significantly faster than FGBI’s over the last 12 months.

UMBF's Price Growth Rating (50) in the Regional Banks industry is in the same range as FGBI (65). This means that UMBF’s stock grew similarly to FGBI’s over the last 12 months.

FGBI's P/E Growth Rating (3) in the Regional Banks industry is somewhat better than the same rating for UMBF (59). This means that FGBI’s stock grew somewhat faster than UMBF’s over the last 12 months.

TECHNICAL ANALYSIS
Technical Analysis
FGBIUMBF
RSI
ODDS (%)
Bullish Trend 1 day ago
67%
Bearish Trend 1 day ago
67%
Stochastic
ODDS (%)
Bearish Trend 1 day ago
71%
Bearish Trend 1 day ago
70%
Momentum
ODDS (%)
Bullish Trend 1 day ago
70%
Bearish Trend 1 day ago
64%
MACD
ODDS (%)
Bullish Trend 1 day ago
70%
Bullish Trend 4 days ago
68%
TrendWeek
ODDS (%)
Bearish Trend 1 day ago
71%
Bearish Trend 1 day ago
63%
TrendMonth
ODDS (%)
Bullish Trend 1 day ago
70%
Bullish Trend 1 day ago
63%
Advances
ODDS (%)
Bullish Trend 10 days ago
73%
Bullish Trend 17 days ago
62%
Declines
ODDS (%)
Bearish Trend 4 days ago
73%
Bearish Trend 4 days ago
65%
BollingerBands
ODDS (%)
Bullish Trend 1 day ago
68%
Bearish Trend 1 day ago
61%
Aroon
ODDS (%)
Bearish Trend 1 day ago
68%
Bullish Trend 1 day ago
63%
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FGBI
Daily Signal:
Gain/Loss:
UMBF
Daily Signal:
Gain/Loss:
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FGBI and

Correlation & Price change

A.I.dvisor indicates that over the last year, FGBI has been loosely correlated with NBN. These tickers have moved in lockstep 35% of the time. This A.I.-generated data suggests there is some statistical probability that if FGBI jumps, then NBN could also see price increases.

1D
1W
1M
1Q
6M
1Y
5Y
Ticker /
NAME
Correlation
To FGBI
1D Price
Change %
FGBI100%
+0.60%
NBN - FGBI
35%
Loosely correlated
-1.66%
SBCF - FGBI
33%
Poorly correlated
-0.58%
PGC - FGBI
32%
Poorly correlated
-1.23%
UMBF - FGBI
32%
Poorly correlated
N/A
OCFC - FGBI
32%
Poorly correlated
+0.20%
More

UMBF and

Correlation & Price change

A.I.dvisor indicates that over the last year, UMBF has been closely correlated with FNB. These tickers have moved in lockstep 89% of the time. This A.I.-generated data suggests there is a high statistical probability that if UMBF jumps, then FNB could also see price increases.

1D
1W
1M
1Q
6M
1Y
5Y
Ticker /
NAME
Correlation
To UMBF
1D Price
Change %
UMBF100%
N/A
FNB - UMBF
89%
Closely correlated
-0.28%
ONB - UMBF
88%
Closely correlated
-0.35%
HWC - UMBF
88%
Closely correlated
-0.23%
UBSI - UMBF
88%
Closely correlated
-0.15%
TRMK - UMBF
88%
Closely correlated
-0.37%
More