TSM vs UMBF Stock Comparison
Taiwan Semiconductor Manufacturing Company Limited vs UMB Financial Corporation
TSM leads
TSM leads by 15 AIQ points, primarily on Quality and Momentum, and the lead has widened from 6 points over 30 sessions.
Stable: 5 of 6 evidence groups support TSM, its lead is widening, and its signal state is cleanly positive.
Taiwan Semiconductor Manufacturing Company Limited
UMB Financial Corporation
The Algovestiq AIQ Score currently favors TSM over UMBF, 68 versus 53 as of Sep 5, 2026. TSM's advantage is driven primarily by stronger quality and momentum, while UMBF holds the stronger value profile. TSM also shows the stronger technical structure relative to its 50-day moving average. 5 of 6 covered evidence groups favor TSM today, and the comparison is rated Stable on stability. TSM lead: Strengthening — the AIQ differential moved from 6 to 15 points over 30 sessions.
Compare Taiwan Semiconductor Manufacturing Company Limited and UMB Financial Corporation across the Algovestiq AIQ Score, valuation, quality, momentum, risk, technicals and analyst expectations.
Compare TSM and UMBF against another ticker
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AIQ Factor Divergence
Where the two separate, on the four dimensions behind the AIQ Score. Bars read outward from a shared zero: further from the centre is a wider gap.
- Quality30%96 vs 62TSM +34
- Momentum25%63 vs 31TSM +32
- Value30%42 vs 58UMBF +16
- Risk Resilience15%69 vs 60TSM +9
5 of 6 evidence groups favor TSM. TSM’s edge is concentrated in quality and momentum; UMBF keeps a meaningful value edge.
What changed since the last close
Latest scored session 2026-09-04, compared against the prior scored session 2026-09-03.
Largest factor move: Momentum +21
New signals
- EMA Ribbon Expansion Bullish — bullish, trend, medium horizon
- Uptrend Structure Active — bullish, trend, long horizon
- MACD Bullish Crossover — bullish, momentum, short horizon
Largest factor move: Momentum +1
No new signals fired.
TSM's lead widened by 5 AIQ points in the latest snapshot.
Deeper signal detail for each name lives on its own signals page — TSM and UMBF both carry a full feed there.
The central trade-off
TSM (Taiwan Semiconductor Manufacturing Company Limited): the stronger current systematic profile, led by quality and momentum.
UMBF (UMB Financial Corporation): the counter-case, on value, valuation.
Which one fits your objective
The same two names rank differently depending on what you are optimizing for. All six reads are shown at once — none of them is hidden behind a toggle.
Balanced
TSMTSM on the overall AIQ Score, which weights Quality and Value at 30% each.
Growth
EvenGrowth figures are not covered for both names.
Value
UMBFUMBF on the peer-relative Value factor, by 16 points.
Momentum
TSMTSM on the Momentum factor, by 32 points.
Lower downside
TSMTSM on Risk Resilience, by 9 points.
Analyst upside
TSMTSM on implied upside to the consensus price target.
AIQ vs Wall Street
Where the systematic read and the analyst consensus line up — and where they do not.
| Measure | TSM | UMBF | Note |
|---|---|---|---|
| Implied upside to target | +35.1% | +11.6% | TSM has more room |
| Target dispersion | +38% | +26.2% | Lower is tighter analyst agreement |
| Consensus | Buy | Buy | Context, not a primary driver |
| Analysts covering | 6 | 9 | Higher coverage generally improves confidence |
Analyst targets are expectations, not predictions. Dispersion matters as much as the midpoint.
AIQ Agreement Matrix
5 of 6 covered evidence groups favor TSM. A wide gap backed by one group is a weaker case than a narrow gap backed by five.
| Evidence group | Favors | Reading |
|---|---|---|
| AIQ Score | TSM | 68 vs 53 |
| Fundamentals | TSMon balance | revenue growth 12% vs 28.8%; EPS growth 22.1% vs 6.5%; TTM ROE 39.3% vs 12.2%; gross margin 64.2% vs 58.5%; operating margin 56% vs 22.1% — TSM takes 4 of 5 decided legs, not all of them |
| Valuation | UMBF | Value 42 vs 58 |
| Technicals | TSM | Price vs 50-day 2% vs -0.8%; vs 200-day 15% vs 12.4% |
| Risk Resilience | TSM | Risk Resilience 69 vs 60 |
| Analyst expectations | TSM | Target upside 35.1% vs 11.6% |
✓ agrees with the overall verdict · ✕ points the other way. Groups marked “not covered” lack data on one or both of TSM and UMBF and are excluded from the count.
AIQ Decision Stability
The conclusion rests on a wide gap and broad agreement. It is unlikely to turn on a single session.
- The AIQ gap is wide at 15 points. (supports the conclusion holding)
- 5 of 6 covered evidence groups point the same way. (supports the conclusion holding)
- The leader's advantage has been widening. (supports the conclusion holding)
- The lead has been steady session to session. (supports the conclusion holding)
- The leader's signal state is cleanly positive. (supports the conclusion holding)
Stability combines the score gap, how broadly the evidence agrees, how steady the lead has been across daily snapshots, the current signal state on both names, and analyst dispersion on TSM.
How the comparison changed
120 daily snapshots · Apr 23 – Sep 4TSM lead: Strengthening — the AIQ differential moved from 6 to 15 points over 30 sessions.
- Today
- TSM +15
- 68 vs 53
- 7 sessions ago
- TSM +7
- 62 vs 55
- 30 sessions ago
- TSM +6
- 70 vs 64
- 90 sessions ago
- TSM +1
- 65 vs 64
The lead changed hands 4 times in this window, most recently on Jul 7 when UMBF moved ahead of TSM.
AIQ Signal Divergence
Only the signals that bear on the head-to-head. A conflicted name is carrying bullish and bearish rules at the same time — the technical evidence is not pointing one way.
4 bullish / 0 bearish
- Golden Cross Active — bullish, trend, long horizon (12.76%)
- EMA Ribbon Expansion Bullish — bullish, trend, medium horizon
- Uptrend Structure Active — bullish, trend, long horizon
1 bullish / 1 bearish, conflicted
- Golden Cross Active — bullish, trend, long horizon (13.36%)
- MACD Bearish Crossover — bearish, momentum, short horizon
UMBF is conflicted, so the timing case there is weaker than the score alone suggests.
Price vs model alignment
Whether the latest session's price move confirms what the model did over the same session, or contradicts it.
Price and the AIQ Score both moved up over the latest session (price +2.85%, AIQ +6 points).
Price and the AIQ Score both moved up over the latest session (price +0.22%, AIQ +1 points).
What would flip this result
A state, not a forecast. These are the specific, observable changes that would reverse the verdict — not a price prediction.
- 1UMBF closes the Quality gap — currently 34 points behind, the largest single contributor to TSM's edge.
- 2UMBF's MACD Bearish Crossover resolves — a bearish momentum rule currently active against it.
- 3TSM's Golden Cross Active breaks down — it is the strongest rule currently supporting the verdict.
- 4A regime shift changes factor weighting — the composite weights Quality and Value at 30% each, so a rotation toward either would move the result most.
The full evidence
Every number behind the verdict. The leader is called above each group so you are not left to solve it from the table.
Fundamentals
TSM leads on balance| Metric | TSM | UMBF |
|---|---|---|
| Revenue growth (YoY) | 12% | 28.8% |
| EPS growth (YoY) | 22.1% | 6.5% |
| Gross margin | 64.2% | 58.5% |
| Operating margin | 56% | 22.1% |
| Return on equity (TTM) | 39.3% | 12.2% |
| Debt to equity | 0.15 | 0.44 |
Performance
TSM leads 5 of 6 windows| Metric | TSM | UMBF |
|---|---|---|
| 1 week (5 sessions) | 2.7% | -0.6% |
| 1 month (20 sessions) | 2.1% | -1.3% |
| 3 months (63 sessions) | 3.3% | 10.7% |
| 6 months (126 sessions) | 26.6% | 26.2% |
| Year to date | 41.1% | 25% |
| 1 year (252 sessions) | 85.4% | 18.4% |
Technicals
TSM has the stronger structure| Metric | TSM | UMBF |
|---|---|---|
| RSI (14) | 48.7 | 31.6 |
| ADX (14) | 7.6 | 19.8 |
| Price vs 50-day | 2% | -0.8% |
| Price vs 200-day | 15% | 12.4% |
| Volatility (1M, annualized) | 25.9% | 21.5% |
Risk
TSM is the more resilient| Metric | TSM | UMBF |
|---|---|---|
| Beta | 2.18 | 0.76 |
| Sharpe ratio | 1.6 | 0.56 |
| Sortino ratio | 2.57 | 0.76 |
| Max drawdown | -21.6% | -18.9% |
| Current drawdown | -10.2% | -5.5% |
| Annualized volatility | 40.5% | 26.3% |
| Value at risk (95%) | -4.1% | -2.4% |
Straight answers
Each answer is regenerated from the current snapshot, not written once and left to age.
Which is better, TSM or UMBF?
On the Algovestiq AIQ Score, TSM is the stronger of the two as of Sep 5, 2026, scoring 68 against UMBF's 53. The edge comes from quality and momentum. UMBF is not without a case — it holds the better value profile, which matters more if that is the objective you are optimizing for. This is a systematic score, not a recommendation: it ranks the two on the same evidence, it does not know your holding period or tax position.
Is TSM or UMBF the better buy right now?
TSM carries the stronger systematic profile as of Sep 5, 2026, and the comparison is rated Stable — 5 of 6 covered evidence groups agree. A Stable rating means the gap is wide and the evidence is broad, so the conclusion is unlikely to turn on a single session.
Why does the AIQ Score favor TSM over UMBF?
The composite weights Quality at 30%, Value at 30%, Momentum at 25% and Risk Resilience at 15%. TSM leads Quality by 34 points; TSM leads Momentum by 32 points; UMBF leads Value by 16 points. Where the two split, the factor with the larger weight carries the result.
Which has more analyst upside, TSM or UMBF?
Analyst price targets imply +35.1% upside for TSM and +11.6% for UMBF, so the Street currently favors TSM. The model and the Street agree here, which is a broader base of evidence than either alone. Analyst targets are expectations, not predictions, and dispersion matters as much as the midpoint.
Which is better value, TSM or UMBF?
UMBF is the better-valued of the two on the peer-relative Value factor. UMBF on the peer-relative Value factor, by 16 points. The Value factor reads valuation relative to sector peers and to the company's own fundamental quality, so it is not the same as simply having the lower multiple.
Which has stronger growth, TSM or UMBF?
Growth figures are not covered for both names. Growth here is measured on reported revenue and earnings, not on forward estimates — it describes what the businesses have delivered, not what the Street expects next.
Which has stronger momentum, TSM or UMBF?
TSM on the Momentum factor, by 32 points. Momentum carries 25% of the AIQ composite. It has documented persistence over three- to twelve-month horizons, which makes it a timing input rather than a reason to hold something indefinitely.
Which is riskier, TSM or UMBF?
TSM is the more resilient of the two, so the other name carries the higher downside risk. TSM on Risk Resilience, by 9 points. The Risk Resilience factor weights 15% of the composite; position sizing usually responds to it more usefully than the buy/avoid decision does.
Is TSM more profitable than UMBF?
TSM leads on the comparable margin measures — gross margin 64.2% vs 58.5%; operating margin 56% vs 22.1%; ttm roe 39.3% vs 12.2%.
Is TSM's lead over UMBF getting stronger or weaker?
TSM lead: Strengthening — the AIQ differential moved from 6 to 15 points over 30 sessions. This is measured from 120 daily comparison snapshots between 2026-04-23 and 2026-09-04. The lead has changed hands 4 times in that window, most recently on 2026-07-07, when UMBF moved ahead of TSM.
What would change the TSM vs UMBF verdict?
The result is a state, not a forecast, so it changes when the underlying evidence changes. Concretely: UMBF closes the Quality gap — currently 34 points behind, the largest single contributor to TSM's edge; UMBF's MACD Bearish Crossover resolves — a bearish momentum rule currently active against it; TSM's Golden Cross Active breaks down — it is the strongest rule currently supporting the verdict; a regime shift changes factor weighting — the composite weights Quality and Value at 30% each, so a rotation toward either would move the result most.
What do the current signals say about TSM and UMBF?
TSM: 4 bullish / 0 bearish. UMBF: 1 bullish / 1 bearish, conflicted. A conflicted state means bullish and bearish rules are active on the same name at once — the technical evidence is not pointing one way, and a decision taken on it carries more timing risk. The most decision-relevant rule on TSM is Golden Cross Active (bullish, long horizon). On UMBF it is Golden Cross Active (bullish, long horizon).
Compare TSM and UMBF with others
How this comparison is scored
The Algovestiq AIQ Score composites four factors — Quality (30%), Value (30%), Momentum (25%) and Risk (15%). Sentiment is reported separately as SentimentPulse and is not folded into the composite. Scores refresh every trading day, and this page regenerates from the latest snapshot rather than being written once.
The verdict names a leader, states how broadly six independent evidence groups agree, and rates how durable that conclusion is given the score gap, its recent trajectory and the current signal state on both names.
How to use side-by-side comparison →This comparison is informational and educational, not investment advice. AIQ scores update daily; re-check after earnings, guidance or macro data that materially changes either name’s factor profile.