Umb Financial (UMBF) FCF Margin (2010 - 2026)
Umb Financial's (UMBF) quarterly FCF Margin came in at 42.52% in Q2 2026, up 323.0% year-over-year from 10.05% in Q2 2025, and down 11.91% quarter-over-quarter from 48.27% in Q1 2026.
Analysis
Umb Financial (UMBF) FCF Margin (2010 - 2026) Analysis & Trends
Umb Financial has disclosed FCF Margin across 14 years of filings, most recently posting 42.52% for Q2 2026.
- In Q2 2026, FCF Margin rose 323.0% year-over-year to 42.52%; the TTM figure through Jun 2026 stood at 35.68% (up 381.0% YoY), while the FY2025 annual figure was 36.88%, up 2428.0% from the prior year.
- FCF Margin came in at 42.52% for Q2 2026 at Umb Financial, down from 48.27% in the prior quarter.
- In the past five years, FCF Margin ranged from a high of 63.6% in Q3 2023 to a low of 17.75% in Q4 2024.
- Average FCF Margin over 5 years is 34.34%, with a median of 38.65% recorded in 2025.
- Year-over-year, FCF Margin tumbled 5818 bps in 2023 and surged 4933 bps in 2025.
- Over 5 years, FCF Margin stood at 34.28% in 2022, then slumped by 33 bps to 22.93% in 2023, then tumbled by 177 bps to 17.75% in 2024, then jumped by 175 bps to 13.22% in 2025, then soared by 222 bps to 42.52% in 2026.
- Per Business Quant data, the three most recent FCF Margin figures were 42.52% in Q2 2026, 48.27% in Q1 2026, and 13.22% in Q4 2025.
Peer Set
Peer Comparison
| # | Company | Market Cap | Enterprise Value | Gross Profit (Qtr) | FCF Margin (Qtr) |
|---|---|---|---|---|---|
| 1 | Banco Santander Chile | 947.88 Bn | 947.88 Bn | - | - |
| 2 | Truist Financial | 61.34 Bn | 61.34 Bn | - | 18.14% |
| 3 | Fifth Third Bancorp | 49.41 Bn | 25.69 Bn | - | - |
| 4 | M&T Bank | 34.63 Bn | 34.63 Bn | - | 49.25% |
| 5 | Huntington Bancshares | 33.63 Bn | 29.10 Bn | - | 34.72% |
| 6 | Citizens Financial | 29.30 Bn | 29.30 Bn | - | 29.43% |
| 7 | Regions Financial | 25.44 Bn | 25.44 Bn | - | 16.10% |
| 8 | First Citizens Bancshares | 24.75 Bn | 24.23 Bn | 29.00 Mn | 1,155.41% |
| 9 | Keycorp | 23.25 Bn | -24.44 Bn | - | 11.91% |
| 10 | Umb Financial | 10.57 Bn | -1.35 Bn | - | 42.52% |
Historic Data
Download Data
Historic Data
| Date | Value |
|---|---|
| Jun 30, 2026 | 42.52% |
| Mar 31, 2026 | 48.27% |
| Dec 31, 2025 | 13.22% |
| Sep 30, 2025 | 38.01% |
| Jun 30, 2025 | 39.29% |
| Mar 31, 2025 | 62.82% |
| Dec 31, 2024 | -17.75% |
| Sep 30, 2024 | 29.39% |
| Jun 30, 2024 | 28.00% |
| Mar 31, 2024 | 13.49% |
| Dec 31, 2023 | 22.93% |
| Sep 30, 2023 | 63.60% |
| Jun 30, 2023 | 40.16% |
| Mar 31, 2023 | -2.08% |
| Dec 31, 2022 | 34.28% |
| Sep 30, 2022 | 55.73% |
| Jun 30, 2022 | 50.24% |
| Mar 31, 2022 | 56.10% |
| Dec 31, 2021 | 48.20% |
| Sep 30, 2021 | 56.60% |