HSBC vs UMBF: Which Is the Better Dividend Stock?
As of July 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 3.62%, UMBF has the higher dividend-safety score, and UMBF trades at the larger discount to fair value (+59%).
| Metric | HSBC | UMBF |
|---|---|---|
| Forward yield | 3.62% | 1.22% |
| Annual dividend | $3.75 | $1.72 |
| Payout ratio | 62% | 15% |
| Years of growth | 0 yr | 30 yr |
| 5-yr dividend growth | -13.8% | 5.5% |
| 5-yr total return | 291% | 54% |
| Dividend safety score | 70 (B) | 98 (A) |
| Fair value estimate | $126.29 | $224.71 |
| Upside to fair value | +22% | +59% |
| Frequency | quarterly | quarterly |
| Market cap | $351.9B | $11.3B |
| P/E ratio | 17.2 | 12.6 |
Higher yield
HSBC
3.62%
Safer dividend
UMBF
Grade A
Faster growth
UMBF
5.5%
Better value
UMBF
+59% upside
HSBC vs UMBF — FAQ
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