What is the current annual operating margin of UMBF?

As of today, UMBF annual operating margin is 21.11%

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

UMBF annual operating margin is up +9.21% year-over-year

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

UMBF annual operating margin is down -32.56% over the past 3 years

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

UMBF annual operating margin is currently -34.91% below its historical high of 32.43% set on December 31, 2021

How does UMBF annual operating margin rank versus sector peers?

UMBF annual operating margin is higher than 50.91% 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 operating margin of UMBF?

As of today, UMBF quarterly operating margin is 31.37%

What is UMBF quarterly operating margin most recent change?

UMBF quarterly operating margin was up +1.49% on June 30, 2026

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

UMBF quarterly operating margin is up +19.01% year-over-year

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

UMBF quarterly operating margin is currently -28.49% below its historical high of 43.87% set on December 31, 2020

How does UMBF quarterly operating margin rank versus sector peers?

UMBF quarterly operating margin is higher than 71.58% of companies in Financial Services sector

When is UMBF next earnings release?

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

UMBF Operating Margin History & Chart Since 1984

Annual Operating Margin

21.11%1.78%+9.21%

December 31, 2025

Summary

Current Value: As of today, UMBF annual operating margin is 21.11%, up +9.21% on December 31, 2025
Historical Performance: UMBF annual operating margin is down -32.56% over the past 3 years, down -21.81% over the past 5 years
All-Time High Comparison: UMBF annual operating margin is currently -34.91% below its historical high of 32.43% set on December 31, 2021
3-Year Low Comparison: UMBF annual operating margin is +18.00% above its 3-year low of 17.89% reached on December 31, 2023
Sector Comparison: UMBF annual operating margin is higher than 50.91% of companies in Financial Services sector

Operating Margin Chart

beforeafter

Performance

UMBF Performance
Metric	Date	Value	1Y	3Y	5Y	15Y
Annual Operating Margin	Dec 31, 25	21.11%	+9.2%	-32.6%	-21.8%	+17.6%
Quarterly Operating Margin	Jun 30, 26	31.37%	+19.0%	+70.7%	-3.5%	+37.4%
Price	Sep 8, 26	$143.57	+14.3%	+132.5%	+61.2%	+298.7%
PE Ratio	Sep 8, 26	11.96	-17.1%	+47.5%	+13.7%	-18.6%
Annual Revenue	Dec 31, 25	$4.13B	+47.4%	+142.9%	+228.9%	+484.0%
Annual Operating Profit	Dec 31, 25	$874.96M	+61.6%	+64.5%	+158.2%	+589.8%
Annual Gross Margin	Dec 31, 25	0.00%	0.0%	0.0%	0.0%	0.0%
Annual Net Margin	Dec 31, 25	16.95%	+7.6%	-33.3%	-25.8%	+31.7%

Operating Margin Highs

UMBF Annual Operating Margin Highs Comparison
Period	High	Date	Current
3Y	31.30%	N/A	-32.6%
5Y	32.43%	Dec 31, 21	-34.9%
All	32.43%	Dec 31, 21	-34.9%

Operating Margin Lows

UMBF Annual Operating Margin Lows Comparison
Period	Low	Date	Current
3Y	17.89%	Dec 31, 23	+18.0%
5Y	17.89%	Dec 31, 23	+18.0%
All	10.94%	Dec 31, 00	+93.0%

Operating Margin History

Year	Value	Change
2025	21.11%	+9.2%
2024	19.33%	+8.0%
2023	17.89%	-42.8%
2022	31.30%	-3.5%
2021	32.43%	+20.1%
2020	27.00%	+21.8%
2019	22.17%	+12.4%
2018	19.72%	-13.5%
2017	22.80%	+7.4%
2016	21.23%	+12.6%
2015	18.86%	-9.5%
2014	20.84%	+4.1%
2013	20.02%	-6.2%
2012	21.34%	+4.9%
2011	20.34%	+13.3%
2010	17.95%	-0.7%
2009	18.08%	-0.8%
2008	18.22%	+23.3%
2007	14.78%	+13.4%
2006	13.03%	-6.8%
2005	13.98%	+20.8%

Year	Value	Change
2004	11.57%	-26.1%
2003	15.66%	+13.7%
2002	13.77%	+7.7%
2001	12.79%	+16.9%
2000	10.94%	-26.5%
1999	14.88%	+1.0%
1998	14.73%	-11.7%
1997	16.69%	+9.7%
1996	15.22%	-1.7%
1995	15.49%	+2.7%
1994	15.09%	+2.3%
1993	14.75%	-1.8%
1992	15.02%	+11.7%
1991	13.45%	+13.4%
1990	11.86%	-4.9%
1989	12.47%	+1.3%
1988	12.31%	-8.2%
1987	13.41%	+20.7%
1986	11.11%	-19.9%
1985	13.87%	-0.5%
1984	13.94%	-

FAQ

What is the current annual operating margin of UMBF?: As of today, UMBF annual operating margin is 21.11%
What is 1-year change in UMBF annual operating margin?: UMBF annual operating margin is up +9.21% year-over-year
What is 3-year change in UMBF annual operating margin?: UMBF annual operating margin is down -32.56% over the past 3 years
How far is UMBF annual operating margin from its all-time high?: UMBF annual operating margin is currently -34.91% below its historical high of 32.43% set on December 31, 2021
How does UMBF annual operating margin rank versus sector peers?: UMBF annual operating margin is higher than 50.91% 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

Operating Margin Formula

Operating Profit Margin = Operating Income

Revenue × 100%

Quarterly Operating Margin

31.37%0.46%+1.49%

June 30, 2026

Summary

Current Value: As of today, UMBF quarterly operating margin is 31.37%, up +1.49% on June 30, 2026
Historical Performance: UMBF quarterly operating margin is up +19.01% year-over-year, up +70.67% over the past 3 years
All-Time High Comparison: UMBF quarterly operating margin is currently -28.49% below its historical high of 43.87% set on December 31, 2020
3-Year Low Comparison: UMBF quarterly operating margin is +206.35% above its 3-year low of 10.24% reached on March 31, 2025
Sector Comparison: UMBF quarterly operating margin is higher than 71.58% of companies in Financial Services sector

Performance

UMBF Performance
Metric	Date	Value	3M	1Y	3Y	5Y
Quarterly Operating Margin	Jun 30, 26	31.37%	+1.5%	+19.0%	+70.7%	-3.5%
Annual Operating Margin	Dec 31, 25	21.11%	–	+9.2%	-32.6%	-21.8%
Price	Sep 8, 26	$143.57	+11.2%	+14.3%	+132.5%	+61.2%
PE Ratio	Sep 8, 26	11.96	+4.5%	-17.1%	+47.5%	+13.7%
Quarterly Revenue	Jun 30, 26	$1.11B	+3.4%	+6.2%	+85.2%	+235.8%
Quarterly Operating Profit	Jun 30, 26	$350.40M	+5.8%	+27.4%	+218.5%	+226.5%
Quarterly Gross Margin	Jun 30, 26	0.00%	0.0%	0.0%	0.0%	0.0%
Quarterly Net Margin	Jun 30, 26	25.05%	+2.7%	+20.2%	+66.3%	-5.4%

Quarterly Operating Margin Highs

UMBF Quarterly Operating Margin Highs Comparison
Period	High	Date	Current
1Y	31.37%	Jun 30, 26	at high
3Y	31.37%	Jun 30, 26	at high
5Y	40.18%	Jun 30, 22	-21.9%
All	43.87%	Dec 31, 20	-28.5%

Quarterly Operating Margin Lows

UMBF Quarterly Operating Margin Lows Comparison
Period	Low	Date	Current
1Y	21.77%	Sep 30, 25	+44.1%
3Y	10.24%	Mar 31, 25	+206.3%
5Y	10.24%	Mar 31, 25	+206.3%
All	-1.36%	Mar 31, 20	+2406.6%

Quarterly Operating Margin History

Month	Value	Change
Jun 2026	31.37%	+1.5%
Mar 2026	30.91%	+24.5%
Dec 2025	24.82%	+14.0%
Sep 2025	21.77%	-17.4%
Jun 2025	26.36%	+157.4%
Mar 2025	10.24%	-49.1%
Dec 2024	20.11%	+6.1%
Sep 2024	18.96%	+2.4%
Jun 2024	18.51%	-0.1%
Mar 2024	18.53%	+46.0%
Dec 2023	12.69%	-35.7%
Sep 2023	19.73%	+7.3%
Jun 2023	18.38%	-11.2%
Mar 2023	20.69%	-17.7%
Dec 2022	25.14%	-0.6%
Sep 2022	25.28%	-37.1%
Jun 2022	40.18%	+10.4%
Mar 2022	36.40%	+26.0%
Dec 2021	28.90%	-17.7%
Sep 2021	35.13%	+8.0%
Jun 2021	32.52%	-3.3%
Mar 2021	33.62%	-23.4%
Dec 2020	43.87%	+63.1%
Sep 2020	26.90%	+22.7%
Jun 2020	21.92%	+1,711.8%
Mar 2020	-1.36%	-105.7%
Dec 2019	23.69%	+4.7%
Sep 2019	22.62%	+8.0%
Jun 2019	20.94%	-2.2%
Mar 2019	21.42%	+160.6%
Dec 2018	8.22%	-64.0%
Sep 2018	22.81%	-4.8%
Jun 2018	23.95%	-3.2%
Mar 2018	24.73%	+4.7%
Dec 2017	23.63%	-0.5%
Sep 2017	23.76%	+10.2%
Jun 2017	21.57%	-1.9%
Mar 2017	21.98%	-3.3%
Dec 2016	22.74%	+9.7%
Sep 2016	20.73%	+0.0%
Jun 2016	20.72%	+1.5%
Mar 2016	20.42%	+7.4%
Dec 2015	19.02%	+20.4%
Sep 2015	15.80%	-14.4%
Jun 2015	18.45%	-17.2%
Mar 2015	22.27%	+16.4%
Dec 2014	19.13%	-9.8%
Sep 2014	21.21%	-3.2%
Jun 2014	21.91%	+4.0%
Mar 2014	21.07%	+54.5%
Dec 2013	13.64%	-39.6%
Sep 2013	22.59%	+11.2%
Jun 2013	20.32%	-13.5%
Mar 2013	23.48%	+65.2%
Dec 2012	14.21%	-25.1%
Sep 2012	18.97%	-10.4%
Jun 2012	21.17%	-29.3%

Month	Value	Change
Mar 2012	29.94%	+82.4%
Dec 2011	16.41%	-15.2%
Sep 2011	19.35%	-15.3%
Jun 2011	22.84%	+1.5%
Mar 2011	22.50%	+47.7%
Dec 2010	15.23%	-10.6%
Sep 2010	17.03%	-8.0%
Jun 2010	18.51%	-12.5%
Mar 2010	21.16%	+22.7%
Dec 2009	17.25%	-11.0%
Sep 2009	19.39%	+21.6%
Jun 2009	15.95%	-19.4%
Mar 2009	19.80%	+20.1%
Dec 2008	16.49%	-8.4%
Sep 2008	18.01%	-8.7%
Jun 2008	19.72%	-21.3%
Mar 2008	25.06%	+74.9%
Dec 2007	14.33%	-15.5%
Sep 2007	16.95%	+2.7%
Jun 2007	16.51%	+14.8%
Mar 2007	14.38%	+5.9%
Dec 2006	13.58%	-0.1%
Sep 2006	13.60%	+3.4%
Jun 2006	13.15%	+7.8%
Mar 2006	12.20%	-14.0%
Dec 2005	14.19%	-12.5%
Sep 2005	16.21%	+8.4%
Jun 2005	14.95%	+46.6%
Mar 2005	10.20%	-15.6%
Dec 2004	12.08%	-29.4%
Sep 2004	17.10%	+74.0%
Jun 2004	9.83%	-18.8%
Mar 2004	12.11%	-38.6%
Dec 2003	19.73%	+60.5%
Sep 2003	12.29%	-17.0%
Jun 2003	14.80%	-21.5%
Mar 2003	18.85%	+83.5%
Dec 2002	10.27%	-9.4%
Sep 2002	11.33%	-18.4%
Jun 2002	13.88%	-26.8%
Mar 2002	18.96%	+57.5%
Dec 2001	12.04%	-24.3%
Sep 2001	15.91%	+25.3%
Jun 2001	12.70%	+47.5%
Mar 2001	8.61%	+0.8%
Dec 2000	8.54%	-13.8%
Sep 2000	9.91%	-18.2%
Jun 2000	12.12%	-9.8%
Mar 2000	13.44%	-3.4%
Dec 1999	13.91%	-1.6%
Sep 1999	14.13%	-9.5%
Jun 1999	15.62%	-1.8%
Mar 1999	15.91%	-28.4%
Dec 1998	22.21%	+243.8%
Sep 1998	6.46%	-55.8%
Jun 1998	14.63%	-3.9%
Mar 1998	15.22%	-

FAQ

What is the current quarterly operating margin of UMBF?: As of today, UMBF quarterly operating margin is 31.37%
What is UMBF quarterly operating margin most recent change?: UMBF quarterly operating margin was up +1.49% on June 30, 2026
What is 1-year change in UMBF quarterly operating margin?: UMBF quarterly operating margin is up +19.01% year-over-year
How far is UMBF quarterly operating margin from its all-time high?: UMBF quarterly operating margin is currently -28.49% below its historical high of 43.87% set on December 31, 2020
How does UMBF quarterly operating margin rank versus sector peers?: UMBF quarterly operating margin is higher than 71.58% of companies in Financial Services sector
When is UMBF next earnings release?: The next earnings release for UMBF is on October 27, 2026

Operating Margin Formula

Operating Profit Margin = Operating 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