UMB FinancialFRA:UMB +1.60%81 FCF Margin % is 52.06% as of Mar. 2026, which is 71% above its 10-year median of 30.36. GuruFocus rates FRA:UMB with a GF Score™ of 81/100 and a GF Value™ of €105.92. The stock has 7 warning signs investors should review. Among 1,505 Banks companies, UMB Financial ranks better than 66.78% on this metric.
The historical rank and industry rank for UMB Financial's FCF Margin % or its related term are showing as below:
FRA:UMB'
s FCF Margin % Range Over the Past 10 Years
Min: 13.99 Med: 30.36 Max: 52.8
Current: 37.71
During the past 13 years, the highest FCF Margin % of UMB Financial was 52.80%. The lowest was 13.99%. And the median was 30.36%.
FRA:UMB's FCF Margin % is ranked better than 66.78% of 1505
companies
in the Banks industry
Industry Median: 26.55
vs FRA:UMB: 37.71
UMB Financial FCF Margin % Related Terms
UMB Financial FCF Margin % Historical Data
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The historical data trend for UMB Financial's FCF Margin % 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.
FRA:UMB vs WTFC, BPOP, ONB: FCF Margin % Comparison
For the Banks - Regional subindustry, UMB Financial's FCF Margin %, along with its competitors' market caps and FCF Margin % 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 FCF Margin % vs Banks Industry
For the Banks industry and Financial Services sector, UMB Financial's FCF Margin % distribution charts can be found below:
* The bar in red indicates where UMB Financial's FCF Margin % falls into.
* 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.
UMB Financial (FRA:UMB) has a FCF Margin % of 52.06% as of Mar. 2026. Free cash flow margin is the ratio of total free cash flow to net sales. View historical data on UMB Financial and its competitors. This is 71% above median its historical median of 30.36. Over the past decade, UMB Financial's FCF Margin % has ranged from 13.99 to 52.80. According to the industry distribution chart, UMB Financial ranks #500 out of 1505 companies in the Banks industry, placing it in the top 33.2%.
Is UMB Financial's FCF Margin % too high?
UMB Financial's current FCF Margin % of 52.06% is 71% above median its 10-year median of 30.36. Over the past 10 years, this metric has ranged from a low of 13.99 to a high of 52.80. The Banks industry median FCF Margin % is 26.55. UMB Financial's value of 52.06% is 96.1% above this industry median. Based on the distribution chart, UMB Financial ranks #500 out of 1505 companies in the Banks industry, which is above the industry midpoint. Overall, UMB Financial has a GF Score™ of 81/100, reflecting its overall financial health beyond just this single metric.
How does UMB Financial's FCF Margin % compare to WTFC and BPOP?
According to the Banks industry distribution chart, UMB Financial ranks #500 out of 1505 companies for FCF Margin %. This puts UMB Financial in the upper half of its industry. The industry median FCF Margin % is 26.55. UMB Financial's value of 52.06% is 96.1% above this benchmark. Historically, UMB Financial's own FCF Margin % has ranged from 13.99 to 52.80 over the past decade. While the company's 10-year median is 30.36 vs. the industry median of 26.55, UMB Financial has consistently been above the industry average. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good FCF Margin % for a Banks company?
The median FCF Margin % among Banks companies is 26.55, based on 1,505 companies in the industry. Companies in the top quartile (top 25%) have a FCF Margin % significantly above this median, while those in the bottom quartile fall well below. However, FCF Margin % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. UMB Financial's current FCF Margin % of 52.06% is 96.1% above the industry median. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high FCF Margin % mean?
A high FCF Margin % can signal that a stock is expensive relative to its fundamentals. Free cash flow margin is the ratio of total free cash flow to net sales. View historical data on UMB Financial and its competitors. For the Banks industry, the median FCF Margin % is 26.55 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. UMB Financial's current FCF Margin % is 52.06%, which is 71% above median its own 10-year median of 30.36. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is UMB Financial stock overvalued right now?
UMB Financial (FRA:UMB) has a current FCF Margin % of 52.06%. The stock's GF Value™ is €105.92, compared to a current price of €127.00 — trading 19.9% above its estimated fair value. The current FCF Margin % is 52.06%, which is 71% above median its 10-year median of 30.36 and 96.1% above the Banks industry median of 26.55. UMB Financial's overall GF Score™ is 81/100 with 7 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is FCF Margin % calculated?
FCF Margin % is calculated from a company's financial statements. For UMB Financial (FRA:UMB), the current FCF Margin % is 52.06% as of Mar. 2026. GuruFocus calculates this using data sourced from SEC filings and annual reports. See the calculation section and 30-year financial data on this page for the full breakdown.
Is UMB Financial (FRA:UMB) Overvalued in 2026?
Based on GuruFocus' analysis, UMB Financial stock appears to be overvalued.
The current stock price of €127.00 is trading 19.9% above its estimated GF Value™ of €105.92.
Key valuation signals for FRA:UMB:
FCF Margin %: 52.06% (71% above median its 10-year median of 30.36)
GF Value™: €105.92 vs. price of €127.00 (19.9% above fair value)
Industry Position: 96.1% above the Banks median (#500 of 1505)
No single metric tells the full story. See the FRA:UMB stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
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.
81GF Score
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FCF Margin % is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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