HSBC vs UMBF: Which Is the Better Dividend Stock?
As of September 2026, UMBF (UMB Financial Corporation) screens as the stronger dividend stock, winning 5 of 8 head-to-head metrics. HSBC offers the higher yield at 3.56%, UMBF has the higher dividend-safety score, and UMBF trades at the larger discount to fair value (+66%).
| Metric | HSBC | UMBF |
|---|---|---|
| Forward yield | 3.56% | 1.43% |
| Annual dividend | $3.75 | $2.00 |
| Payout ratio | 54% | 14% |
| Years of growth | 0 yr | 30 yr |
| 5-yr dividend growth | -13.8% | 5.5% |
| 5-yr total return | 303% | 44% |
| Dividend safety score | 72 (B) | 98 (A) |
| Fair value estimate | $136.26 | $231.67 |
| Upside to fair value | +29% | +66% |
| Frequency | quarterly | quarterly |
| Market cap | $360.6B | $10.6B |
| P/E ratio | 15.0 | 11.6 |
Higher yield
HSBC
3.56%
Safer dividend
UMBF
Grade A
Faster growth
UMBF
5.5%
Better value
UMBF
+66% upside
HSBC vs UMBF — FAQ
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