GURUFOCUS.COM » STOCK LIST » Financial Services » Banks » UMB Financial Corp (NAS:UMBF) » Definitions » Net Interest Margin (Bank Only) %

UMBF (UMB Financial) Net Interest Margin (Bank Only) % : 3.44% (As of Mar. 2025)


View and export this data going back to 1975. Start your Free Trial

What is UMB Financial Net Interest Margin (Bank Only) %?

Net Interest Margin (Bank Only) % is a measure of the difference between the interest income generated by banks or other financial institutions and the amount of interest paid out to their lenders (for example, deposits), relative to the amount of their interest-earning assets. It is usually calculated as a percentage of what the financial institution earns on loans in a time period and other assets minus the interest paid on borrowed funds divided by the average amount of the assets on which it earned income in that time period (the average earning assets).

GuruFocus calculates Net Interest Margin (Bank Only) % as Net Interest Income (for Banks) divided by its average earning assets. UMB Financial's annualized Net Interest Income (for Banks) for the quarter that ended in Mar. 2025 was $1,591 Mil. UMB Financial's average earning assets for the quarter that ended in Mar. 2025 was $46,300 Mil. Therefore, UMB Financial's annualized Net Interest Margin (Bank Only) % for the quarter that ended in Mar. 2025 was 3.44%.


UMB Financial Net Interest Margin (Bank Only) % Historical Data

The historical data trend for UMB Financial's Net Interest Margin (Bank Only) % can be seen below:

* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD.
* For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.

* Premium members only.

UMB Financial Net Interest Margin (Bank Only) % Chart

UMB Financial Annual Data
Trend Dec15 Dec16 Dec17 Dec18 Dec19 Dec20 Dec21 Dec22 Dec23 Dec24
Net Interest Margin (Bank Only) %
Get a 7-Day Free Trial Premium Member Only Premium Member Only 2.84 2.73 2.75 2.60 2.65

UMB Financial Quarterly Data
Jun20 Sep20 Dec20 Mar21 Jun21 Sep21 Dec21 Mar22 Jun22 Sep22 Dec22 Mar23 Jun23 Sep23 Dec23 Mar24 Jun24 Sep24 Dec24 Mar25
Net Interest Margin (Bank Only) % Get a 7-Day Free Trial Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only 2.66 2.69 2.64 2.79 3.44

Competitive Comparison of UMB Financial's Net Interest Margin (Bank Only) %

For the Banks - Regional subindustry, UMB Financial's Net Interest Margin (Bank Only) %, along with its competitors' market caps and Net Interest Margin (Bank Only) % data, can be viewed below:

* Competitive companies are chosen from companies within the same industry, with headquarter located in same country, with closest market capitalization; x-axis shows the market cap, and y-axis shows the term value; the bigger the dot, the larger the market cap. Note that "N/A" values will not show up in the chart.


UMB Financial's Net Interest Margin (Bank Only) % Distribution in the Banks Industry

For the Banks industry and Financial Services sector, UMB Financial's Net Interest Margin (Bank Only) % distribution charts can be found below:

* The bar in red indicates where UMB Financial's Net Interest Margin (Bank Only) % falls into.


;
;

UMB Financial Net Interest Margin (Bank Only) % Calculation

Net Interest Margin (Bank Only) % (NIM) is a measure of the difference between the interest income generated by banks or other financial institutions and the amount of interest paid out to their lenders (for example, deposits), relative to the amount of their interest-earning assets. It is usually calculated as a percentage of what the financial institution earns on loans in a time period and other assets minus the interest paid on borrowed funds divided by the average amount of the assets on which it earned income in that time period (the average earning assets).

UMB Financial's annualized Net Interest Margin (Bank Only) % for the fiscal year that ended in Dec. 2024 is calculated as

Net Interest Margin (Bank Only) %(A: Dec. 2024 )
=(Interest Income + Interest Expense)/Average Earning Assets
=Net Interest Income (for Banks)/( (Earning Assets (A: Dec. 2023 ) + Earning Assets (A: Dec. 2024 ))/ count )
=1000.892/( (36083.733 + 39359.156)/ 2 )
=1000.892/37721.4445
=2.65 %

where

Earning Assets(A: Dec. 2023 )
=Money Market Investments + Net Loan + Securities & Investments
=245.344 + 22657.81 + 13180.579
=36083.733

Earning Assets(A: Dec. 2024 )
=Money Market Investments + Net Loan + Securities & Investments
=545 + 25206.676 + 13607.48
=39359.156

UMB Financial's annualized Net Interest Margin (Bank Only) % for the quarter that ended in Mar. 2025 is calculated as

Net Interest Margin (Bank Only) %(Q: Mar. 2025 )
=(Interest Income + Interest Expense)/Average Earning Assets
=Net Interest Income (for Banks)/( (Earning Assets (Q: Dec. 2024 ) + Earning Assets (Q: Mar. 2025 ))/ count )
=1590.556/( (39359.156 + 53240.744)/ 2 )
=1590.556/46299.95
=3.44 %

where

Earning Assets(Q: Dec. 2024 )
=Money Market Investments + Net Loan + Securities & Investments
=545 + 25206.676 + 13607.48
=39359.156

Earning Assets(Q: Mar. 2025 )
=Money Market Investments + Net Loan + Securities & Investments
=636.069 + 35408.829 + 17195.846
=53240.744

* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD.
* For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.

Note: Interest Expense is the negative value.

In the calculation of annual Net Interest Margin (Bank Only) %, the Net Interest Income (for Banks) of the last fiscal year and the average earning assets over the fiscal year are used. In calculating the quarterly data, the Net Interest Income (for Banks) data used here is four times the quarterly (Mar. 2025) net interest income data. Net Interest Margin (Bank Only) % is displayed in the 30-year financial page for Banks.


UMB Financial  (NAS:UMBF) Net Interest Margin (Bank Only) % Explanation

The negative value of Net Interest Margin (Bank Only) % mean the firm pays more interest for its debt than the interest revenue generated from its investment.


UMB Financial Net Interest Margin (Bank Only) % Related Terms

Thank you for viewing the detailed overview of UMB Financial's Net Interest Margin (Bank Only) % provided by GuruFocus.com. Please click on the following links to see related term pages.


UMB Financial Business Description

Industry
Traded in Other Exchanges
Address
1010 Grand Boulevard, Kansas City, MO, USA, 64106
UMB Financial Corp, or UMBF, is a financial services holding company offering a suite of banking services and asset servicing to its customers in the United States and around the world. Its client base includes commercial, institutional, and personal customers. Along with its subsidiaries, the company operates in the following business segments: Commercial Banking, Institutional Banking, and Personal Banking. A majority of its revenue is generated from the Commercial Banking segment, which serves the commercial banking and treasury management needs of small to middle-market businesses through various products and services such as commercial loans, commercial real estate financing, commercial credit cards, letters of credit, loan syndication services, consultative services, and others.
Executives
Uma Wilson officer: Executive Vice President 1010 GRAND BLVD, KANSAS CITY MO 64106
Nikki Farentino Newton officer: President, Private Wealth Mgmt 1010 GRAND BLVD, KANSAS CITY MO 64106
Tamara Peterman director 1010 GRAND BLVD, KANSAS CITY MO 64106
Greg M Graves director 1010 GRAND BLVD, KANSAS CITY MO 64106
J Mariner Kemper officer: Vice Chairman 1010 GRAND BLVD., KANSAS CITY MO 64106
Kevin Charles Gallagher director 370 17TH ST, SUITE 5600, DENVER CO 80202
Robert Brian Beaird officer: Chief Human Resource Officer 1010 GRAND BLVD, KANSAS CITY MO 64106
Thomas S Terry officer: Chief Lending Officer 1010 GRAND BOULEVARD, KANSAS CITY MO 64106
David Carl Odgers officer: Chief Accounting Officer 1010 GRAND BLVD, KANSAS CITY MO 64106
James D Rine officer: Executive Vice President 1010 GRAND BOULEVARD, KANSAS CITY MO 64106
John Pauls officer: EVP & General Counsel 1010 GRAND BLVD, KANSAS CITY MO 64106
Kris A Robbins director
Ram Shankar officer: Chief Financial Officer 1010 GRAND BLVD., KANSAS CITY MO 64106
Phillip James Mason officer: President, Inst. Banking 1010 GRAND BLVD, KANSAS CITY MO 64106
Stacy H King officer: Chief Risk Officer 1010 GRAND BLVD, KANSAS CITY MO 64106