UMB FinancialFRA:UMB +1.60%81 Net Margin % is 38.15% as of Mar. 2026, which is 43% above its 10-year median of 26.62. 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 1,527 Banks companies, UMB Financial ranks better than 72.36% on this metric.
Net margin is calculated as Net Income divided by its Revenue. UMB Financial's Net Income for the
three
months ended in Mar. 2026 was €226 Mil. UMB Financial's Revenue for the
three
months ended in Mar. 2026 was €593 Mil. Therefore, UMB Financial's net margin for the quarter that ended in Mar. 2026 was 38.15%.
The historical rank and industry rank for UMB Financial's Net Margin % or its related term are showing as below:
FRA:UMB'
s Net Margin % Range Over the Past 10 Years
Min: 18.88 Med: 26.62 Max: 33.88
Current: 33.88
FRA:UMB's Net Margin % is ranked better than 72.36% of 1527
companies
in the Banks industry
Industry Median: 26.95
vs FRA:UMB: 33.88
UMB Financial (FRA:UMB) Net Margin % Explanation
Although Net Income and Earnings-per-Share (EPS) are the most widely used parameter in measuring a company's profitability and valuation, it is the least reliable. The reason is that reported earnings can be manipulated easily by adjusting any numbers such as Depreciation, Depletion and Amotorization and non-recurring items.
But the long term trend of the net margin is a good indicator of the competitiveness and health of the business.
UMB Financial Net Margin % Related Terms
UMB Financial Net Margin % Historical Data
* Premium members only.
The historical data trend for UMB Financial's Net 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: Net Margin % Comparison
For the Banks - Regional subindustry, UMB Financial's Net Margin %, along with its competitors' market caps and Net 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 Net Margin % vs Banks Industry
For the Banks industry and Financial Services sector, UMB Financial's Net Margin % distribution charts can be found below:
* The bar in red indicates where UMB Financial's Net 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 Net Margin % of 38.15% as of Mar. 2026. Net margin is the ratio of total net income to net sales. View historical data on UMB Financial and its competitors. This is 43% above median its historical median of 26.62. Over the past decade, UMB Financial's Net Margin % has ranged from 18.88 to 33.88. According to the industry distribution chart, UMB Financial ranks #422 out of 1527 companies in the Banks industry, placing it in the top 27.6%.
Is UMB Financial's Net Margin % too high?
UMB Financial's current Net Margin % of 38.15% is 43% above median its 10-year median of 26.62. Over the past 10 years, this metric has ranged from a low of 18.88 to a high of 33.88. The Banks industry median Net Margin % is 26.95. UMB Financial's value of 38.15% is 41.6% above this industry median. Based on the distribution chart, UMB Financial ranks #422 out of 1527 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 Net Margin % compare to WTFC and BPOP?
According to the Banks industry distribution chart, UMB Financial ranks #422 out of 1527 companies for Net Margin %. This puts UMB Financial in the upper half of its industry. The industry median Net Margin % is 26.95. UMB Financial's value of 38.15% is 41.6% above this benchmark. Historically, UMB Financial's own Net Margin % has ranged from 18.88 to 33.88 over the past decade. While the company's 10-year median is 26.62 vs. the industry median of 26.95, 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 Net Margin % for a Banks company?
The median Net Margin % among Banks companies is 26.95, based on 1,527 companies in the industry. Companies in the top quartile (top 25%) have a Net Margin % significantly above this median, while those in the bottom quartile fall well below. However, Net Margin % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. UMB Financial's current Net Margin % of 38.15% is 41.6% 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 Net Margin % mean?
A high Net Margin % can signal that a stock is expensive relative to its fundamentals. Net margin is the ratio of total net income to net sales. View historical data on UMB Financial and its competitors. For the Banks industry, the median Net Margin % is 26.95 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. UMB Financial's current Net Margin % is 38.15%, which is 43% above median its own 10-year median of 26.62. 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 Net Margin % of 38.15%. 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 Net Margin % is 38.15%, which is 43% above median its 10-year median of 26.62 and 41.6% above the Banks industry median of 26.95. 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 Net Margin % calculated?
Net Margin % is calculated from a company's financial statements. For UMB Financial (FRA:UMB), the current Net Margin % is 38.15% 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:
Net Margin %: 38.15% (43% above median its 10-year median of 26.62)
GF Value™: €105.92 vs. price of €127.00 (19.9% above fair value)
Industry Position: 41.6% above the Banks median (#422 of 1527)
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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Net Margin % is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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