UMBF Umb Financial margins

Relative Growth: Rel. Growth:

Relative Strength: Rel. Strength:

Relative Valuation: Rel. Valuation:

Relative Profitability: Rel. Profitability: 93

Gross margin

100%

Operating margin

44.6%

EBITDA margin

49.5%

Net margin

35.6%

Currently, Umb Financial has a gross margin of 100%, an operating margin of 44.6%, an EBITDA margin of 49.5%, and a net margin of 35.6%. The largest improvement was in operating margin, up 10.8 percentage points; the remaining margins held steady.

UMBF margin history

Gross, operating, EBITDA and net margin trends

Umb Financial's margins averaged 100% gross, 34.73% operating, 39.23% EBITDA, and 28.17% net during the last 3 years. Current figures show operating, EBITDA, and net margins are above their three-year averages.

UMBF margin expansion

Year-over-year margin changes in percentage points

Operating margin expanded by 10.8 percentage points, EBITDA margin by 10.4 percentage points, and net margin by 8.2 percentage points, while gross margin was unchanged.

Gross margin expansion

0pp

Operating margin expansion

10.8pp

EBITDA margin expansion

10.4pp

Net margin expansion

8.2pp

UMBF Gross margin

Looking back over the last 3 years, Umb Financial recorded an average gross margin of 100%. Umb Financial's current gross margin is 100% and is in line with its three-year average. The highest gross margin for Umb Financial was 100% in Sep 2026, while the lowest was 100% in Dec 2023.

UMBF Operating margin

The average operating margin for Umb Financial was 34.73% over the last 3 years. Currently, the current operating margin for Umb Financial is 44.6%, 9.9 percentage points above its three-year average. The operating margin for Umb Financial moved between 29.7% in Dec 2023 and 44.6% in Sep 2026.

UMBF EBITDA margin

Looking back over the last 3 years, Umb Financial recorded an average EBITDA margin of 39.23%. The current EBITDA margin of 49.5% is 10.3 percentage points above its three-year average. The highest EBITDA margin for Umb Financial was 49.5% in Sep 2026, while the lowest was 33.8% in Dec 2023.

UMBF Net margin

Across the last 3 years, Umb Financial's net margin came to 28.17%. Umb Financial's current net margin is 35.6% and is 7.4 percentage points above its three-year average. Net margin was highest at 35.6% in Sep 2026 and lowest at 24.6% in Dec 2023.

UMBF margin group comparison

Margins compared with peer-group, industry and sector averages

With a gross margin of 100%, UMBF ranks higher than the Financial Services sector and the industry average. In comparison with the Financial Services sector average of 83.5%, Umb Financial's gross margin is 20% higher.

UMBF margin peer comparison

Compare margins with selected peers

Frequently asked questions

What is Umb Financial's gross margin?

As of Sep 30, 2026, UMBF has a gross margin of 100%.

What is Umb Financial's operating margin?

For the period ending Sep 30, 2026, UMBF recorded an operating margin of 44.6%.

What is Umb Financial's EBITDA margin?

As of Sep 30, 2026, UMBF has an EBITDA margin of 49.5%.

What is Umb Financial's net margin?

The current net margin for UMBF is 35.6% as of Sep 30, 2026.

What are the average margins of UMBF?

The three-year average margins for UMBF were 100.0% gross, 34.7% operating, 39.2% EBITDA, and 28.2% net.

What are the highest historical margins of UMBF?

Umb Financial's highest recorded margins during the past 5 years were 100% gross in Sep 2026, 44.6% operating in Sep 2026, 49.5% EBITDA in Sep 2026, and 35.6% net in Sep 2026.

What are the lowest historical margins of UMBF?

In the last 5 years, the lowest margins reported by UMBF were 100% gross in Dec 2021, 29.7% operating in Dec 2023, 33.8% EBITDA in Dec 2023, and 24.6% net in Dec 2023.