Umb Financial (UMBF) Net Margin (2009 - 2026)

Umb Financial (UMBF) posted Net Margin of 41.24% for Q2 2026, up 1.1% sequentially from 40.8% in Q1 2026, and up 999.0% YoY from 3.75% in Q2 2025.

Umb Financial (UMBF) Net Margin (2009 - 2026) Analysis & Trends

Umb Financial has reported Net Margin for 18 years, with the latest figure at 41.24% in Q2 2026.

Quarterly Net Margin rose 999.0% year-over-year to 41.24% in Q2 2026, while the trailing twelve-month figure through Jun 2026 was 40.65% (up 1254.0% YoY) and the FY2025 annual result came in at 31.8%, up 19.0% from the prior year.
Net Margin rose to 41.24% in Q2 2026 per UMBF's latest filing, from 40.8% in the prior quarter.
Over five years, Net Margin peaked at 49.3% in Q4 2025 and troughed at 13.62% in Q4 2023.
A 5-year average of 29.7% and a median of 27.4% in 2023 frame the typical range for Net Margin.
The sharpest annual moves came in 2024 and 2025: Net Margin soared 2889 bps in 2024, then slumped 1359 bps in 2025.
Over 5 years, Net Margin stood at 24.65% in 2022, then plunged by 45 bps to 13.62% in 2023, then soared by 212 bps to 42.51% in 2024, then climbed by 16 bps to 49.3% in 2025, then decreased by 16 bps to 41.24% in 2026.
According to Business Quant data, Net Margin over the past three periods registered 41.24%, 40.8%, and 49.3% for Q2 2026, Q1 2026, and Q4 2025 respectively.

#	Company	Market Cap	Enterprise Value	Gross Profit (Qtr)	Net Margin (Qtr)
1	Hdfc Bank	119.58 Bn	83.39 Bn	-	-
2	Pnc Financial Services	97.75 Bn	97.75 Bn	-	28.41%
3	Us Bancorp	96.33 Bn	96.33 Bn	-	27.30%
4	Lloyds Banking	93.61 Bn	93.91 Bn	-	-
5	NatWest	73.86 Bn	-145.23 Bn	-	38.78%
6	Deutsche Bank Aktiengesellschaft	71.72 Bn	-81.60 Bn	-	25.60%
7	Nu Holdings	68.51 Bn	54.82 Bn	2.35 Bn	25.60%
8	Truist Financial	61.69 Bn	61.69 Bn	-	28.85%
9	Fifth Third Bancorp	49.73 Bn	26.00 Bn	-	23.30%
10	Umb Financial	11.09 Bn	-833.36 Mn	-	34.93%

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