What is the current annual net margin of UMBF?

As of today, UMBF annual net margin is 16.95%

What is 1-year change in UMBF annual net margin?

UMBF annual net margin is up +7.62% year-over-year

What is 3-year change in UMBF annual net margin?

UMBF annual net margin is down -33.27% over the past 3 years

How far is UMBF annual net margin from its all-time high?

UMBF annual net margin is currently -36.06% below its historical high of 26.51% set on December 31, 2021

How does UMBF annual net margin rank versus sector peers?

UMBF annual net margin is higher than 56.99% of companies in Financial Services sector

When is UMBF next annual earnings release?

As of today, the next annual earnings release for UMBF has not been scheduled

What is the current quarterly net margin of UMBF?

As of today, UMBF quarterly net margin is 25.05%

What is UMBF quarterly net margin most recent change?

UMBF quarterly net margin was up +2.71% on June 30, 2026

What is 1-year change in UMBF quarterly net margin?

UMBF quarterly net margin is up +20.20% year-over-year

How far is UMBF quarterly net margin from its all-time high?

UMBF quarterly net margin is currently -30.20% below its historical high of 35.89% set on December 31, 2020

How does UMBF quarterly net margin rank versus sector peers?

UMBF quarterly net margin is higher than 78.74% of companies in Financial Services sector

When is UMBF next earnings release?

The next earnings release for UMBF is on October 27, 2026

UMBF Net Margin History & Chart Since 1984

Annual Net Margin

16.95%1.20%+7.62%

December 31, 2025

Summary

Current Value: As of today, UMBF annual net margin is 16.95%, up +7.62% on December 31, 2025
Historical Performance: UMBF annual net margin is down -33.27% over the past 3 years, down -25.76% over the past 5 years
All-Time High Comparison: UMBF annual net margin is currently -36.06% below its historical high of 26.51% set on December 31, 2021
3-Year Low Comparison: UMBF annual net margin is +15.46% above its 3-year low of 14.68% reached on December 31, 2023
Sector Comparison: UMBF annual net margin is higher than 56.99% of companies in Financial Services sector

Net Margin Chart

beforeafter

Performance

UMBF Performance
Metric	Date	Value	1Y	3Y	5Y	15Y
Annual Net Margin	Dec 31, 25	16.95%	+7.6%	-33.3%	-25.8%	+31.7%
Quarterly Net Margin	Jun 30, 26	25.05%	+20.2%	+66.3%	-5.4%	+85.0%
Price	Sep 9, 26	$141.22	+15.4%	+128.7%	+58.3%	+303.4%
PE Ratio	Sep 9, 26	11.76	-16.3%	+45.0%	+11.6%	-17.6%
Annual Revenue	Dec 31, 25	$4.13B	+47.4%	+142.9%	+228.9%	+484.0%
Annual Net Income	Dec 31, 25	$702.40M	+59.2%	+62.7%	+145.2%	+671.9%
Annual Gross Margin	Dec 31, 25	0.00%	0.0%	0.0%	0.0%	0.0%
Annual Operating Margin	Dec 31, 25	21.11%	+9.2%	-32.6%	-21.8%	+17.6%

Net Margin Highs

UMBF Annual Net Margin Highs Comparison
Period	High	Date	Current
3Y	25.40%	N/A	-33.3%
5Y	26.51%	Dec 31, 21	-36.1%
All	26.51%	Dec 31, 21	-36.1%

Net Margin Lows

UMBF Annual Net Margin Lows Comparison
Period	Low	Date	Current
3Y	14.68%	Dec 31, 23	+15.5%
5Y	14.68%	Dec 31, 23	+15.5%
All	7.28%	Dec 31, 00	+132.8%

Net Margin History

Year	Value	Change
2025	16.95%	+7.6%
2024	15.75%	+7.3%
2023	14.68%	-42.2%
2022	25.40%	-4.2%
2021	26.51%	+16.1%
2020	22.83%	+20.9%
2019	18.89%	+9.1%
2018	17.31%	-1.5%
2017	17.57%	+5.5%
2016	16.65%	+30.5%
2015	12.76%	-9.5%
2014	14.10%	-13.5%
2013	16.31%	+6.0%
2012	15.38%	+9.5%
2011	14.05%	+9.2%
2010	12.87%	-4.2%
2009	13.43%	-5.4%
2008	14.20%	+33.3%
2007	10.65%	+11.1%
2006	9.59%	-11.4%
2005	10.83%	+13.0%

Year	Value	Change
2004	9.58%	-21.0%
2003	12.13%	+11.7%
2002	10.86%	+23.0%
2001	8.83%	+21.3%
2000	7.28%	-33.5%
1999	10.95%	+14.3%
1998	9.58%	-16.4%
1997	11.46%	-0.9%
1996	11.56%	+11.0%
1995	10.41%	+1.6%
1994	10.25%	+3.5%
1993	9.90%	-7.7%
1992	10.73%	+7.8%
1991	9.95%	+9.1%
1990	9.12%	-6.7%
1989	9.77%	-5.4%
1988	10.33%	-8.3%
1987	11.26%	-1.6%
1986	11.44%	-1.4%
1985	11.60%	-1.0%
1984	11.72%	-

FAQ

What is the current annual net margin of UMBF?: As of today, UMBF annual net margin is 16.95%
What is 1-year change in UMBF annual net margin?: UMBF annual net margin is up +7.62% year-over-year
What is 3-year change in UMBF annual net margin?: UMBF annual net margin is down -33.27% over the past 3 years
How far is UMBF annual net margin from its all-time high?: UMBF annual net margin is currently -36.06% below its historical high of 26.51% set on December 31, 2021
How does UMBF annual net margin rank versus sector peers?: UMBF annual net margin is higher than 56.99% of companies in Financial Services sector
When is UMBF next annual earnings release?: As of today, the next annual earnings release for UMBF has not been scheduled

Net Margin Formula

Net Margin = Net Income

Revenue × 100%

Quarterly Net Margin

25.05%0.66%+2.71%

June 30, 2026

Summary

Current Value: As of today, UMBF quarterly net margin is 25.05%, up +2.71% on June 30, 2026
Historical Performance: UMBF quarterly net margin is up +20.20% year-over-year, up +66.33% over the past 3 years
All-Time High Comparison: UMBF quarterly net margin is currently -30.20% below its historical high of 35.89% set on December 31, 2020
3-Year Low Comparison: UMBF quarterly net margin is +180.20% above its 3-year low of 8.94% reached on March 31, 2025
Sector Comparison: UMBF quarterly net margin is higher than 78.74% of companies in Financial Services sector

Performance

UMBF Performance
Metric	Date	Value	3M	1Y	3Y	5Y
Quarterly Net Margin	Jun 30, 26	25.05%	+2.7%	+20.2%	+66.3%	-5.4%
Annual Net Margin	Dec 31, 25	16.95%	–	+7.6%	-33.3%	-25.8%
Price	Sep 9, 26	$141.22	+7.1%	+15.4%	+128.7%	+58.3%
PE Ratio	Sep 9, 26	11.76	+0.6%	-16.3%	+45.0%	+11.6%
Quarterly Revenue	Jun 30, 26	$1.11B	+3.4%	+6.2%	+85.2%	+235.8%
Quarterly Net Income	Jun 30, 26	$277.57M	+6.2%	+27.7%	+208.0%	+217.5%
Quarterly Gross Margin	Jun 30, 26	0.00%	0.0%	0.0%	0.0%	0.0%
Quarterly Operating Margin	Jun 30, 26	31.37%	+1.5%	+19.0%	+70.7%	-3.5%

Quarterly Net Margin Highs

UMBF Quarterly Net Margin Highs Comparison
Period	High	Date	Current
1Y	25.05%	Jun 30, 26	at high
3Y	25.05%	Jun 30, 26	at high
5Y	31.84%	Jun 30, 22	-21.3%
All	35.89%	Dec 31, 20	-30.2%

Quarterly Net Margin Lows

UMBF Quarterly Net Margin Lows Comparison
Period	Low	Date	Current
1Y	17.33%	Sep 30, 25	+44.5%
3Y	8.94%	Mar 31, 25	+180.2%
5Y	8.94%	Mar 31, 25	+180.2%
All	-9.90%	Dec 31, 00	+353.0%

Quarterly Net Margin History

Month	Value	Change
Jun 2026	25.05%	+2.7%
Mar 2026	24.39%	+23.3%
Dec 2025	19.78%	+14.1%
Sep 2025	17.33%	-16.8%
Jun 2025	20.84%	+133.1%
Mar 2025	8.94%	-46.3%
Dec 2024	16.66%	+8.7%
Sep 2024	15.33%	+3.7%
Jun 2024	14.78%	-10.2%
Mar 2024	16.45%	+47.7%
Dec 2023	11.14%	-30.2%
Sep 2023	15.95%	+5.9%
Jun 2023	15.06%	-12.1%
Mar 2023	17.13%	-15.7%
Dec 2022	20.33%	-0.5%
Sep 2022	20.44%	-35.8%
Jun 2022	31.84%	+3.8%
Mar 2022	30.67%	+33.0%
Dec 2021	23.06%	-18.5%
Sep 2021	28.30%	+6.9%
Jun 2021	26.48%	-6.8%
Mar 2021	28.42%	-20.8%
Dec 2020	35.89%	+52.2%
Sep 2020	23.58%	+22.0%
Jun 2020	19.32%	+1,856.4%
Mar 2020	-1.10%	-105.4%
Dec 2019	20.39%	+5.5%
Sep 2019	19.33%	+9.3%
Jun 2019	17.69%	-2.4%
Mar 2019	18.12%	+111.9%
Dec 2018	8.55%	-57.7%
Sep 2018	20.23%	+1.0%
Jun 2018	20.03%	-4.9%
Mar 2018	21.06%	+19.6%
Dec 2017	17.61%	-5.3%
Sep 2017	18.60%	+8.7%
Jun 2017	17.11%	+0.9%
Mar 2017	16.95%	-7.5%
Dec 2016	18.33%	+8.8%
Sep 2016	16.85%	+6.2%
Jun 2016	15.87%	+5.0%
Mar 2016	15.12%	+21.1%
Dec 2015	12.49%	+27.6%
Sep 2015	9.79%	-27.9%
Jun 2015	13.58%	-11.5%
Mar 2015	15.35%	+21.9%
Dec 2014	12.59%	-24.1%
Sep 2014	16.59%	+4.1%
Jun 2014	15.94%	+42.6%
Mar 2014	11.18%	-33.6%
Dec 2013	16.85%	+3.1%
Sep 2013	16.34%	+9.1%
Jun 2013	14.98%	-12.1%
Mar 2013	17.05%	+57.0%
Dec 2012	10.86%	-20.5%
Sep 2012	13.66%	-8.4%
Jun 2012	14.91%	-30.2%
Mar 2012	21.36%	+68.3%
Dec 2011	12.69%	-9.0%
Sep 2011	13.94%	+3.0%
Jun 2011	13.54%	-15.1%
Mar 2011	15.94%	+52.1%
Dec 2010	10.48%	-18.6%
Sep 2010	12.87%	-1.7%
Jun 2010	13.09%	-13.8%
Mar 2010	15.18%	+10.0%
Dec 2009	13.80%	-2.5%
Sep 2009	14.16%	+22.8%
Jun 2009	11.53%	-18.9%
Mar 2009	14.22%	+18.7%
Dec 2008	11.98%	-5.1%
Sep 2008	12.62%	-8.9%
Jun 2008	13.85%	-19.5%
Mar 2008	17.20%	+98.4%

Month	Value	Change
Dec 2007	8.67%	-27.3%
Sep 2007	11.93%	+3.9%
Jun 2007	11.48%	+14.0%
Mar 2007	10.07%	+4.7%
Dec 2006	9.62%	-3.4%
Sep 2006	9.96%	+2.9%
Jun 2006	9.68%	+7.0%
Mar 2006	9.05%	-17.6%
Dec 2005	10.98%	-7.6%
Sep 2005	11.88%	+10.9%
Jun 2005	10.71%	+11.7%
Mar 2005	9.59%	-6.3%
Dec 2004	10.24%	-8.7%
Sep 2004	11.22%	+44.2%
Jun 2004	7.78%	-16.7%
Mar 2004	9.34%	-34.1%
Dec 2003	14.18%	+26.6%
Sep 2003	11.20%	-0.4%
Jun 2003	11.25%	-4.8%
Mar 2003	11.82%	+20.4%
Dec 2002	9.82%	+9.7%
Sep 2002	8.95%	-15.3%
Jun 2002	10.57%	-23.2%
Mar 2002	13.76%	+38.3%
Dec 2001	9.95%	-10.7%
Sep 2001	11.14%	+33.7%
Jun 2001	8.33%	+37.7%
Mar 2001	6.05%	+161.1%
Dec 2000	-9.90%	-168.1%
Sep 2000	14.54%	+8.4%
Jun 2000	13.41%	+20.5%
Mar 2000	11.13%	+6.3%
Dec 1999	10.47%	-1.7%
Sep 1999	10.65%	-6.2%
Jun 1999	11.35%	-0.2%
Mar 1999	11.37%	-6.0%
Dec 1998	12.09%	+132.9%
Sep 1998	5.19%	-49.0%
Jun 1998	10.18%	-4.1%
Mar 1998	10.62%	-40.8%
Dec 1997	17.93%	+9.3%
Sep 1997	16.40%	+0.5%
Jun 1997	16.32%	-5.1%
Mar 1997	17.20%	+22.3%
Dec 1996	14.06%	-15.9%
Sep 1996	16.71%	-4.7%
Jun 1996	17.53%	-10.7%
Mar 1996	19.63%	-18.6%
Dec 1995	24.12%	+65.5%
Sep 1995	14.57%	+3.8%
Jun 1995	14.04%	-8.5%
Mar 1995	15.34%	+6.5%
Dec 1994	14.40%	+5.3%
Sep 1994	13.68%	+1.8%
Jun 1994	13.44%	-17.8%
Mar 1994	16.36%	+18.7%
Dec 1993	13.78%	+10.1%
Sep 1993	12.52%	-14.0%
Jun 1993	14.56%	-4.2%
Mar 1993	15.20%	-8.8%
Dec 1992	16.67%	+9.1%
Sep 1992	15.28%	-1.2%
Jun 1992	15.47%	-10.9%
Mar 1992	17.37%	-0.2%
Dec 1991	17.40%	+1.2%
Sep 1991	17.19%	-2.0%
Jun 1991	17.54%	-2.8%
Mar 1991	18.05%	+15.9%
Dec 1990	15.58%	-8.2%
Sep 1990	16.98%	-6.1%
Jun 1990	18.08%	-10.7%
Mar 1990	20.24%	+4.8%
Dec 1989	19.31%	-0.6%
Sep 1989	19.42%	-

FAQ

What is the current quarterly net margin of UMBF?: As of today, UMBF quarterly net margin is 25.05%
What is UMBF quarterly net margin most recent change?: UMBF quarterly net margin was up +2.71% on June 30, 2026
What is 1-year change in UMBF quarterly net margin?: UMBF quarterly net margin is up +20.20% year-over-year
How far is UMBF quarterly net margin from its all-time high?: UMBF quarterly net margin is currently -30.20% below its historical high of 35.89% set on December 31, 2020
How does UMBF quarterly net margin rank versus sector peers?: UMBF quarterly net margin is higher than 78.74% of companies in Financial Services sector
When is UMBF next earnings release?: The next earnings release for UMBF is on October 27, 2026

Net Margin Formula

Net Margin = Net Income

Revenue × 100%

Data Sources & References

UMBF Official Website www.umb.com
Most Recent Annual Report (10-K) www.sec.gov/Archives/edgar/data/101382/000119312526024400/0001193125-26-024400-index.htm
UMBF Profile on Yahoo Finance finance.yahoo.com/quote/UMBF
UMBF Profile on NASDAQ.com www.nasdaq.com/market-activity/stocks/umbf