UMB Financial Corp (UMBFO) stock
UMBFONasdaqNational Commercial BanksFiscal year ends December 31Also trades as UMBF
Financials through Q3 FY2026, quarter ended Sep 30, 2026Last filing: 10-Q on Oct 29, 2026Score 19/309% below fair value
$25.62−0.02 (-0.08%)
Close on Oct 30, 2026Market cap $10.21BP/E 10.2Yield 1.21%
UMB Financial profit margin
Profit margin (net margin) is net income as a percentage of revenue.
UMB Financial's profit margin for the twelve months ending Sep 30, 2026 was 34.3%. For fiscal 2025 it was 26.5%, against 27.1% the year before. The highest annual figure on record is 29.4% in fiscal 2022.
Annual profit margin
| Period | Period end | Value | Change (pts) |
|---|---|---|---|
| FY2025 | Dec 31, 2025 | 26.5% | −0.6 |
| FY2024 | Dec 31, 2024 | 27.1% | +3.1 |
| FY2023 | Dec 31, 2023 | 23.9% | −5.5 |
| FY2022 | Dec 31, 2022 | 29.4% | +1.9 |
| FY2021 | Dec 31, 2021 | 27.5% | +5.3 |
| FY2020 | Dec 31, 2020 | 22.2% | −0.0 |
| FY2019 | Dec 31, 2019 | 22.2% | +2.9 |
| FY2018 | Dec 31, 2018 | 19.3% | −5.8 |
| FY2017 | Dec 31, 2017 | 25.2% | +7.5 |
| FY2016 | Dec 31, 2016 | 17.7% | +2.9 |
| FY2015 | Dec 31, 2015 | 14.8% | +0.6 |
| FY2014 | Dec 31, 2014 | 14.2% | −2.0 |
| FY2013 | Dec 31, 2013 | 16.2% | +0.5 |
| FY2012 | Dec 31, 2012 | 15.8% | +1.2 |
| FY2011 | Dec 31, 2011 | 14.6% | +1.0 |
| FY2010 | Dec 31, 2010 | 13.6% | −1.0 |
| FY2009 | Dec 31, 2009 | 14.6% | −2.1 |
| FY2008 | Dec 31, 2008 | 16.7% | – |
Quarterly profit margin
Change is against the same quarter a year earlier.
| Period | Period end | Value | Change (pts) |
|---|---|---|---|
| Q3 FY2026 | Sep 30, 2026 | 36.0% | +8.2 |
| Q2 FY2026 | Jun 30, 2026 | 35.7% | +4.1 |
| Q1 FY2026 | Mar 31, 2026 | 35.4% | +20.9 |
| Q4 FY2025 | Dec 31, 2025 | 29.9% | +2.2 |
| Q3 FY2025 | Sep 30, 2025 | 27.8% | +0.8 |
| Q2 FY2025 | Jun 30, 2025 | 31.5% | +5.6 |
| Q1 FY2025 | Mar 31, 2025 | 14.4% | −13.2 |
| Q4 FY2024 | Dec 31, 2024 | 27.6% | +8.5 |
| Q3 FY2024 | Sep 30, 2024 | 27.0% | −0.2 |
| Q2 FY2024 | Jun 30, 2024 | 26.0% | +1.2 |
| Q1 FY2024 | Mar 31, 2024 | 27.7% | +2.8 |
| Q4 FY2023 | Dec 31, 2023 | 19.1% | −7.9 |
| Q3 FY2023 | Sep 30, 2023 | 27.2% | +2.9 |
| Q2 FY2023 | Jun 30, 2023 | 24.8% | −9.5 |
| Q1 FY2023 | Mar 31, 2023 | 24.9% | −6.9 |
| Q4 FY2022 | Dec 31, 2022 | 27.0% | +3.2 |
| Q3 FY2022 | Sep 30, 2022 | 24.3% | −5.4 |
| Q2 FY2022 | Jun 30, 2022 | 34.3% | +8.0 |
| Q1 FY2022 | Mar 31, 2022 | 31.7% | +1.1 |
| Q4 FY2021 | Dec 31, 2021 | 23.8% | −13.1 |
| Q3 FY2021 | Sep 30, 2021 | 29.7% | +5.2 |
| Q2 FY2021 | Jun 30, 2021 | 26.3% | +6.0 |
| Q1 FY2021 | Mar 31, 2021 | 30.6% | +31.8 |
| Q4 FY2020 | Dec 31, 2020 | 37.0% | +13.4 |
| Q3 FY2020 | Sep 30, 2020 | 24.6% | +1.6 |
| Q2 FY2020 | Jun 30, 2020 | 20.3% | −0.7 |
| Q1 FY2020 | Mar 31, 2020 | -1.3% | −22.6 |
| Q4 FY2019 | Dec 31, 2019 | 23.5% | +13.6 |
| Q3 FY2019 | Sep 30, 2019 | 22.9% | −0.1 |
| Q2 FY2019 | Jun 30, 2019 | 21.0% | −1.2 |
| Q1 FY2019 | Mar 31, 2019 | 21.3% | −1.1 |
| Q4 FY2018 | Dec 31, 2018 | 9.9% | −34.5 |
| Q3 FY2018 | Sep 30, 2018 | 23.0% | +3.4 |
| Q2 FY2018 | Jun 30, 2018 | 22.1% | +4.8 |
| Q1 FY2018 | Mar 31, 2018 | 22.4% | +3.8 |
| Q4 FY2017 | Dec 31, 2017 | 44.4% | +25.7 |
| Q3 FY2017 | Sep 30, 2017 | 19.6% | – |
| Q2 FY2017 | Jun 30, 2017 | 17.3% | – |
| Q1 FY2017 | Mar 31, 2017 | 18.6% | – |
| Q4 FY2016 | Dec 31, 2016 | 18.7% | – |