Umb Financial (UMBF) FCF Margin (2010 - 2026)
Umb Financial (UMBF) posted FCF Margin of 42.52% for Q2 2026, up 3.23 percentage points from 39.29% a year earlier but down 5.75 percentage points from the prior quarter.
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Analysis
Umb Financial (UMBF) FCF Margin (2010 - 2026) Analysis & Trends
For the trailing twelve months through Jun 30, 2026, FCF Margin at Umb Financial was 35.68%, up 3.81 percentage points year-over-year; for FY2025, it was 36.88%, up 24.28 percentage points from FY2024.
- Annual FCF Margin shows a five-year change of +12.61 percentage points (FY2020 to FY2025).
- In prior years, Umb Financial's FCF Margin was 12.60% in FY2024 (-18.14 pp), 30.75% in FY2023 (-18.15 pp), 48.90% in FY2022 (+9.89 pp) and 39.01% in FY2021 (+14.74 pp).
- Quarterly FCF Margin has run from a low of -17.75% in Q4 2024 to a high of 63.60% in Q3 2023 over five years.
- On a year-over-year basis, FCF Margin increased in five of the last eight quarters, with an average year-over-year change of +1.75 percentage points.
- The strongest year-over-year quarter for FCF Margin in the past five years was Q1 2025, with a gain of 49.33 percentage points; the weakest was Q1 2023, with a drop of 58.18 percentage points.
- According to Business Quant data, FCF Margin for the three prior quarters was 48.27% (Q1 2026), 13.22% (Q4 2025) and 38.01% (Q3 2025).
Peer Set
Peer Comparison
| # | Company | Market Cap | Enterprise Value | Gross Profit (Qtr) | FCF Margin (Qtr) |
|---|---|---|---|---|---|
| 1 | Jpmorgan Chase | 890.60 Bn | 920.07 Bn | - | -44.09% |
| 2 | Banco Santander Chile | 421.74 Bn | 541.68 Bn | - | - |
| 3 | Bank Of America | 385.85 Bn | -1,990.22 Bn | - | 92.03% |
| 4 | Hsbc Holdings | 345.94 Bn | 345.99 Bn | - | - |
| 5 | Morgan Stanley | 303.15 Bn | -205.95 Bn | - | -16.70% |
| 6 | Royal Bank Of Canada | 279.82 Bn | 130.57 Bn | - | 189.34% |
| 7 | Mitsubishi Ufj Financial | 274.62 Bn | -1,313.87 Bn | 10.89 Bn | - |
| 8 | Goldman Sachs | 267.07 Bn | -3,290.04 Bn | - | 27.55% |
| 9 | Wells Fargo & Company | 243.79 Bn | 245.93 Bn | - | 29.95% |
| 10 | Umb Financial | 10.01 Bn | 3.35 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% |
API Access
Umb Financial FCF Margin API
Pull this series into your own models, spreadsheets and apps with the Business Quant
Historical Metrics API. The request below matches the chart above — change the
frequency, period or values and it follows. Swap YOUR_API_KEY for your own key.
https://data.businessquant.com/historic?slug=fcf-margin&ticker=UMBF&period=max&api_key=YOUR_API_KEYimport requests
url = "https://data.businessquant.com/historic"
params = {"slug": "fcf-margin", "ticker": "UMBF", "period": "max", "api_key": "YOUR_API_KEY"}
data = requests.get(url, params=params).json()const res = await fetch("https://data.businessquant.com/historic?slug=fcf-margin&ticker=UMBF&period=max&api_key=YOUR_API_KEY");
const data = await res.json();