MS vs UMBF: Which Is the Better Dividend Stock?
As of June 2026, MS and UMBF are closely matched. MS offers the higher yield at 1.87%, UMBF has the higher dividend-safety score, and UMBF trades at the larger discount to fair value (+65%).
| Metric | MS | UMBF |
|---|---|---|
| Forward yield | 1.87% | 1.27% |
| Annual dividend | $4.00 | $1.72 |
| Payout ratio | 36% | 15% |
| Years of growth | 12 yr | 30 yr |
| 5-yr dividend growth | 22.4% | 5.2% |
| 5-yr total return | 133% | 45% |
| Dividend safety score | 80 (A) | 98 (A) |
| Fair value estimate | $283.58 | $222.86 |
| Upside to fair value | +32% | +65% |
| Frequency | quarterly | quarterly |
| Market cap | $337.6B | $10.3B |
| P/E ratio | 19.4 | 11.8 |
Higher yield
MS
1.87%
Safer dividend
UMBF
Grade A
Faster growth
MS
22.4%
Better value
UMBF
+65% upside
MS vs UMBF — FAQ
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