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Operating Margin for UMB Financial (UMBF)

As of · Reported

Metric

TTM

20.9%

YoY change

−0.27pp

Trough year (2004)

11.6%

Peak year (2021)

34.5%

Operating Margin history chart for UMB Financial (UMBF) from 1989 to 2025

Latest: 20.3%

Operating Margin change chart for UMB Financial (UMBF) from 1989 to 2025

Latest: −0.27pp

Operating Margin history table for UMB Financial (UMBF) from 1989 to 2025

  • 202520.3%-0.27pp
  • 202420.5%+1.74pp
  • 202318.8%-14.82pp
  • 202233.6%-0.94pp
  • 202134.5%+8.39pp
  • 202026.2%+2.71pp
  • 201923.4%+2.53pp
  • 201820.9%-3.24pp
  • 201724.1%+1.29pp
  • 201622.9%+5.64pp
  • 201517.2%-15.61pp
  • 201432.8%+0.66pp
  • 201332.2%+8.81pp
  • 201223.4%+2.23pp
  • 201121.1%+1.46pp
  • 201019.7%+1.60pp
  • 200918.1%-1.88pp
  • 200820.0%+5.03pp
  • 200714.9%+1.91pp
  • 200613.0%-1.55pp
  • 200514.6%+3.01pp
  • 200411.6%-4.19pp
  • 200315.8%+1.98pp
  • 200213.8%-1.17pp
  • 200114.9%+0.91pp
  • 200014.0%-0.68pp
  • 199914.7%+1.47pp
  • 199813.2%-3.61pp
  • 199716.9%-0.23pp
  • 199617.1%+0.72pp
  • 199516.4%+1.28pp
  • 199415.1%+0.35pp
  • 199314.7%-0.28pp
  • 199215.0%+1.56pp
  • 199113.5%+1.57pp
  • 199011.9%-0.59pp
  • 198912.5%—

Operating Margin values are taken from UMB Financial's reported income statements (quarterly 10-Q and annual 10-K filings with the U.S. Securities and Exchange Commission). Each row shows the period end date and the filing date. YoY compares each figure to the same period one year earlier. Amounts are in USD as filed.

About Operating Margin at UMB Financial (UMBF)

According to UMB Financial's latest reported financial statements, the company's latest reported operating margin is 20.9%. Operating margin is operating income divided by revenue — the share of each sales dollar left after cost of goods sold and operating expenses (SG&A, R&D), but before interest and taxes. It isolates how profitable the core business is before financing and tax decisions, so it is comparable across companies with different capital structures.

Headline figure above is from the reporting period ending (reported ). Chart and table below cover the full reported history back to .

2025's annual operating margin for UMB Financial (UMBF) came in at 20.25% – contracted 0.3 percentage points year-over-year.

The record annual operating margin stands at 34.55%, reached in 2021; the historical low of 11.56% was recorded in 2004.

UMB Financial Operating Margin by Year

UMB Financial Operating Margin 2025: 20.3%

UMB Financial posted operating margin of 20.25% in 2025, contracted 0.3 percentage points from 2024.

UMB Financial Operating Margin 2024: 20.5%

In 2024, UMB Financial reported operating margin of 20.53%, expanded 1.7 percentage points from 2023.

UMB Financial Operating Margin 2023: 18.8%

UMB Financial operating margin in 2023 was 18.78%, contracted 14.8 percentage points from 2022.

UMB Financial Operating Margin 2022: 33.6%

2022's operating margin for UMB Financial came in at 33.60%, contracted 0.9 percentage points from 2021.

UMB Financial Operating Margin 2021: 34.5%

UMB Financial operating margin in 2021 was 34.55%.

See more financial history for UMB Financial (UMBF).

Sector peers by Operating Margin

Financial Services peers of UMB Financial (UMBF), ranked by their latest operating margin

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