Umb Financial (UMBF) EBITDA Margin (2009 - 2026)
Umb Financial's (UMBF) quarterly EBITDA Margin came in at 88.59% in Q2 2026, down 696.0% year-over-year from 14.86% in Q2 2025, and down 1.38% quarter-over-quarter from 89.83% in Q1 2026.
Analysis
Umb Financial (UMBF) EBITDA Margin (2009 - 2026) Analysis & Trends
Umb Financial has disclosed EBITDA Margin across 18 years of filings, most recently posting 88.59% for Q2 2026.
- In Q2 2026, EBITDA Margin fell 696.0% year-over-year to 88.59%; the TTM figure through Jun 2026 stood at 90.12% (down 393.0% YoY), while the FY2025 annual figure was 89.25%, down 1581.0% from the prior year.
- EBITDA Margin came in at 88.59% for Q2 2026 at Umb Financial, down from 89.83% in the prior quarter.
- In the past five years, EBITDA Margin ranged from a high of 109.82% in Q3 2024 to a low of 41.07% in Q1 2022.
- Average EBITDA Margin over 5 years is 84.79%, with a median of 91.69% recorded in 2023.
- Year-over-year, EBITDA Margin jumped 5523 bps in 2023 and sank 2711 bps in 2025.
- Over 5 years, EBITDA Margin stood at 66.23% in 2022, then surged by 41 bps to 93.56% in 2023, then rose by 6 bps to 99.22% in 2024, then fell by 11 bps to 88.04% in 2025, then advanced by 1 bps to 88.59% in 2026.
- Per Business Quant data, the three most recent EBITDA Margin figures were 88.59% in Q2 2026, 89.83% in Q1 2026, and 88.04% in Q4 2025.
Peer Set
Peer Comparison
| # | Company | Market Cap | Enterprise Value | Gross Profit (Qtr) | EBITDA Margin (Qtr) |
|---|---|---|---|---|---|
| 1 | Banco Santander Chile | 945.33 Bn | 945.33 Bn | - | - |
| 2 | Truist Financial | 61.38 Bn | 61.38 Bn | - | 79.03% |
| 3 | Fifth Third Bancorp | 49.41 Bn | 25.69 Bn | - | 66.98% |
| 4 | M&T Bank | 34.68 Bn | 34.68 Bn | - | 74.68% |
| 5 | Huntington Bancshares | 33.40 Bn | 28.88 Bn | - | 78.46% |
| 6 | Citizens Financial | 29.20 Bn | 29.20 Bn | - | 73.02% |
| 7 | Regions Financial | 25.47 Bn | 25.47 Bn | - | 62.35% |
| 8 | First Citizens Bancshares | 24.71 Bn | 24.19 Bn | 29.00 Mn | -1,920.27% |
| 9 | Keycorp | 23.20 Bn | -24.50 Bn | - | 74.44% |
| 10 | Umb Financial | 10.68 Bn | -1.25 Bn | - | 88.59% |
Historic Data
Download Data
Historic Data
| Date | Value |
|---|---|
| Jun 30, 2026 | 88.59% |
| Mar 31, 2026 | 89.83% |
| Dec 31, 2025 | 88.04% |
| Sep 30, 2025 | 94.41% |
| Jun 30, 2025 | 95.55% |
| Mar 31, 2025 | 76.86% |
| Dec 31, 2024 | 99.22% |
| Sep 30, 2024 | 109.82% |
| Jun 30, 2024 | 107.71% |
| Mar 31, 2024 | 103.97% |
| Dec 31, 2023 | 93.56% |
| Sep 30, 2023 | 103.73% |
| Jun 30, 2023 | 95.08% |
| Mar 31, 2023 | 74.93% |
| Dec 31, 2022 | 66.23% |
| Sep 30, 2022 | 48.50% |
| Jun 30, 2022 | 49.21% |
| Mar 31, 2022 | 41.07% |
| Dec 31, 2021 | 33.21% |
| Sep 30, 2021 | 39.46% |