UMB FinancialFRA:UMB 81 Pretax Margin % is 48.34% as of Mar. 2026, which is 62% above its 10-year median of 29.81. GuruFocus rates FRA:UMB with a GF Score™ of 81/100 and a GF Value™ of €105.31. The stock has 7 warning signs investors should review. Among 1,528 Banks companies, UMB Financial ranks better than 69.44% on this metric.
Pre-Tax margin is calculated as Pre-Tax Income divided by its Revenue. UMB Financial's Pre-Tax Income for the
three
months ended in Mar. 2026 was €287 Mil. UMB Financial's Revenue for the
three
months ended in Mar. 2026 was €593 Mil. Therefore, UMB Financial's pretax margin for the quarter that ended in Mar. 2026 was 48.34%.
The historical rank and industry rank for UMB Financial's Pretax Margin % or its related term are showing as below:
FRA:UMB'
s Pretax Margin % Range Over the Past 10 Years
Min: 23.59 Med: 29.81 Max: 42.73
Current: 42.73
FRA:UMB's Pretax Margin % is ranked better than 69.44% of 1528
companies
in the Banks industry
Industry Median: 34.715
vs FRA:UMB: 42.73
The pretax margin, as know as pretax profit margin, is widely used to measure the operating efficiency of a company before deducting taxes.
The pretax margin is sometimes preferred over the net margin as tax expenditures can make profitability comparisons between companies misleading.
It is a useful tool to compare companies operating in the same sector and less effective when comparing companies from other sectors as each industry generally has different operating expenses and sales patterns.
The long term trend of the pretax margin is a good indicator of the competitiveness and health of the business.
UMB Financial Pretax Margin % Related Terms
UMB Financial Pretax Margin % Historical Data
* Premium members only.
The historical data trend for UMB Financial's Pretax 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, ZION: Pretax Margin % Comparison
For the Banks - Regional subindustry, UMB Financial's Pretax Margin %, along with its competitors' market caps and Pretax 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 Pretax Margin % vs Banks Industry
For the Banks industry and Financial Services sector, UMB Financial's Pretax Margin % distribution charts can be found below:
* The bar in red indicates where UMB Financial's Pretax 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 Pretax Margin % of 48.34% as of Mar. 2026. Pre-Tax margin is the ratio of total pre-tax income to net sales. View historical data on UMB Financial and its competitors. This is 62% above median its historical median of 29.81. Over the past decade, UMB Financial's Pretax Margin % has ranged from 23.59 to 42.73. According to the industry distribution chart, UMB Financial ranks #467 out of 1528 companies in the Banks industry, placing it in the top 30.6%.
Is UMB Financial's Pretax Margin % too high?
UMB Financial's current Pretax Margin % of 48.34% is 62% above median its 10-year median of 29.81. Over the past 10 years, this metric has ranged from a low of 23.59 to a high of 42.73. The Banks industry median Pretax Margin % is 34.72. UMB Financial's value of 48.34% is 39.2% above this industry median. Based on the distribution chart, UMB Financial ranks #467 out of 1528 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 Pretax Margin % compare to WTFC and BPOP?
According to the Banks industry distribution chart, UMB Financial ranks #467 out of 1528 companies for Pretax Margin %. This puts UMB Financial in the upper half of its industry. The industry median Pretax Margin % is 34.72. UMB Financial's value of 48.34% is 39.2% above this benchmark. Historically, UMB Financial's own Pretax Margin % has ranged from 23.59 to 42.73 over the past decade. While the company's 10-year median is 29.81 vs. the industry median of 34.72, 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 Pretax Margin % for a Banks company?
The median Pretax Margin % among Banks companies is 34.72, based on 1,528 companies in the industry. Companies in the top quartile (top 25%) have a Pretax Margin % significantly above this median, while those in the bottom quartile fall well below. However, Pretax Margin % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. UMB Financial's current Pretax Margin % of 48.34% is 39.2% 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 Pretax Margin % mean?
A high Pretax Margin % can signal that a stock is expensive relative to its fundamentals. Pre-Tax margin is the ratio of total pre-tax income to net sales. View historical data on UMB Financial and its competitors. For the Banks industry, the median Pretax Margin % is 34.72 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. UMB Financial's current Pretax Margin % is 48.34%, which is 62% above median its own 10-year median of 29.81. 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 Pretax Margin % of 48.34%. The stock's GF Value™ is €105.31, compared to a current price of €125.00 — trading 18.7% above its estimated fair value. The current Pretax Margin % is 48.34%, which is 62% above median its 10-year median of 29.81 and 39.2% above the Banks industry median of 34.72. 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 Pretax Margin % calculated?
Pretax Margin % is calculated from a company's financial statements. For UMB Financial (FRA:UMB), the current Pretax Margin % is 48.34% 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 €125.00 is trading 18.7% above its estimated GF Value™ of €105.31.
Key valuation signals for FRA:UMB:
Pretax Margin %: 48.34% (62% above median its 10-year median of 29.81)
GF Value™: €105.31 vs. price of €125.00 (18.7% above fair value)
Industry Position: 39.2% above the Banks median (#467 of 1528)
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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