UMB Financial Net Income vs. Operating Margin
| UMBF Stock | USD 127.14 0.13 0.10% |
Net Income | First Reported 1985-09-30 | Previous Quarter 188.3 M | Current Value 215.4 M | Quarterly Volatility 38.4 M |
| Current Value | Last Year | Change From Last Year | 10 Year Trend | ||||||
|---|---|---|---|---|---|---|---|---|---|
| Gross Profit Margin | 0.61 | 0.5441 |
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| Net Profit Margin | 0.11 | 0.1581 |
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| Operating Profit Margin | 0.15 | 0.2025 |
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| Pretax Profit Margin | 0.14 | 0.1969 |
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| Return On Assets | 0.0065 | 0.0096 |
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| Return On Equity | 0.0738 | 0.0913 |
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For UMB Financial profitability analysis, we use financial ratios and fundamental drivers that measure the ability of UMB Financial to generate income relative to revenue, assets, operating costs, and current equity. These fundamental indicators attest to how well UMB Financial utilizes its assets to generate profit and value for its shareholders. The profitability module also shows relationships between UMB Financial's most relevant fundamental drivers. It provides multiple suggestions of what could affect the performance of UMB Financial over time as well as its relative position and ranking within its peers.
UMB Financial's Revenue Breakdown by Earning Segment
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UMB Financial Revenue Breakdown by Earning Segment
By analyzing UMB Financial's earnings estimates, investors can diagnose different trends across UMB Financial's analyst sentiment over time as well as compare current estimates against different timeframes.
Can Regional Banks industry sustain growth momentum? Does UMB have expansion opportunities? Factors like these will boost the valuation of UMB Financial. If investors know UMB will grow in the future, the company's valuation will be higher. Determining accurate worth demands scrutiny of both present operating results and projected expansion capacity. Evaluating UMB Financial demands reviewing these metrics collectively while recognizing certain factors exert disproportionate influence.
Quarterly Earnings Growth 0.126 | Dividend Share 1.63 | Earnings Share 9.29 | Revenue Per Share | Quarterly Revenue Growth 0.676 |
UMB Financial's market price often diverges from its book value, the accounting figure shown on UMB's balance sheet. Smart investors calculate UMB Financial's intrinsic value—its true economic worth—which may differ significantly from both market price and book value. Market participants employ diverse analytical approaches to determine fair value and identify buying opportunities when prices dip below calculated worth. Since UMB Financial's trading price responds to investor sentiment, macroeconomic conditions, and market psychology, it can swing far from fundamental value.
Please note, there is a significant difference between UMB Financial's value and its price as these two are different measures arrived at by different means. Investors typically determine if UMB Financial is a good investment by looking at such factors as earnings, sales, fundamental and technical indicators, competition as well as analyst projections. However, UMB Financial's price is the amount at which it trades on the open market and represents the number that a seller and buyer find agreeable to each party.
UMB Financial Operating Margin vs. Net Income Fundamental Analysis
Comparative valuation techniques use various fundamental indicators to help in determining UMB Financial's current stock value. Our valuation model uses many indicators to compare UMB Financial value to that of its competitors to determine the firm's financial worth. UMB Financial is rated below average in net income category among its peers. It is rated second in operating margin category among its peers . The ratio of Net Income to Operating Margin for UMB Financial is about 911,282,528 . At this time, UMB Financial's Net Income is most likely to increase significantly in the upcoming years. Comparative valuation analysis is a catch-all technique that is used if you cannot value UMB Financial by discounting back its dividends or cash flows. It compares the stock's price multiples to nearest competition to determine if the stock is relatively undervalued or overvalued.UMB Operating Margin vs. Net Income
Net income is the profit of a company for the reporting period, which is derived after taking revenues and gains and subtracting all expenses and losses. Net income is one of the most-watched numbers by money managers as well as individual investors.
UMB Financial |
| = | 441.24 M |
Because income is reported on the Income Statement of a company and is measured in dollars some investors prefer to use Profit Margin, which measures income as a percentage of sales.
Operating Margin shows how much operating income a company makes on each dollar of sales. It is one of the profitability indicators which helps analysts to understand whether the firm is successful or not making money from everyday operations.
UMB Financial |
| = | 0.48 % |
A good Operating Margin is required for a company to be able to pay for its fixed costs or payout its debt, which implies that the higher the margin, the better. This ratio is most effective in evaluating the earning potential of a company over time when comparing it against a firm's competitors.
UMB Operating Margin Comparison
UMB Financial is currently under evaluation in operating margin category among its peers.
UMB Financial Profitability Projections
The most important aspect of a successful company is its ability to generate a profit. For investors in UMB Financial, profitability is also one of the essential criteria for including it into their portfolios because, without profit, UMB Financial will eventually generate negative long term returns. The profitability progress is the general direction of UMB Financial's change in net profit over the period of time. It can combine multiple indicators of UMB Financial, where stable trends show no significant progress. An accelerating trend is seen as positive, while a decreasing one is unfavorable. A rising trend means that profits are rising, and operational efficiency may be rising as well. A decreasing trend is a sign of poor performance and may indicate upcoming losses.
| Last Reported | Projected for Next Year | ||
| Accumulated Other Comprehensive Income | -261.5 M | -248.4 M | |
| Operating Income | 900 M | 945 M | |
| Net Income | 507.4 M | 532.8 M | |
| Income Tax Expense | 172.6 M | 181.2 M | |
| Income Before Tax | 875 M | 918.7 M | |
| Total Other Income Expense Net | -25 M | -26.2 M | |
| Net Income Applicable To Common Shares | 496.4 M | 521.3 M | |
| Net Income From Continuing Ops | 507.4 M | 532.8 M | |
| Non Operating Income Net Other | 1.2 M | 1 M | |
| Net Interest Income | 1.2 B | 784.2 M | |
| Interest Income | 2.5 B | 2.6 B | |
| Change To Netincome | 56.7 M | 39.5 M | |
| Net Income Per Share | 9.25 | 9.71 | |
| Income Quality | 0.59 | 0.56 | |
| Net Income Per E B T | 0.80 | 0.62 |
UMB Profitability Driver Comparison
Profitability drivers are factors that can directly affect your investment outlook on UMB Financial. Investors often realize that things won't turn out the way they predict. There are maybe way too many unforeseen events and contingencies during the holding period of UMB Financial position where the market behavior may be hard to predict, tax policy changes, gold or oil price hikes, calamities change, and many others. The question is, are you prepared for these unexpected events? Although some of these situations are obviously beyond your control, you can still follow the important profit indicators to know where you should focus on when things like this occur. Below are some of the UMB Financial's important profitability drivers and their relationship over time.
UMB Financial Earnings Estimation Breakdown
The calculation of UMB Financial's earning per share is based on the data from the past 12 consecutive months, used for reporting the company's financial figures. The next projected EPS of UMB Financial is estimated to be 2.8095 with the future projection ranging from a low of 2.7 to a high of 2.93. Please be aware that this consensus of annual earnings estimates for UMB Financial is based on EPS before non-recurring items and includes expenses related to employee stock options.Last Reported EPS
2.70 Lowest | Expected EPS | 2.93 Highest |
UMB Financial Earnings Projection Consensus
Suppose the current estimates of UMB Financial's value are higher than the current market price of the UMB Financial stock. In this case, investors may conclude that UMB Financial is overpriced and will exhibit bullish sentiment. On the other hand, if the present value is lower than the stock price, analysts may conclude that the market undervalues the equity. These scenarios may suggest that the market is not as efficient as it should be at the estimation time, and UMB Financial's stock will quickly adjusts to the new information provided by the consensus estimate.
| Number of Analysts | Historical Accuracy | Last Reported EPS | Estimated EPS for 31st of March 2026 | Current EPS (TTM) | |
| 13 | 87.51% | 3.08 | 2.8095 | 9.29 |
UMB Financial Earnings History
Earnings estimate consensus by UMB Financial analysts from Wall Street is used by the market to judge UMB Financial's stock performance. Investors also use these earnings estimates to evaluate and project the stock performance into the future in order to make their investment decisions. However, we recommend analyzing not only UMB Financial's upcoming profit reports and earnings-per-share forecasts but also comparing them to our different valuation methods.UMB Financial Quarterly Gross Profit |
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UMB Financial Earnings per Share Projection vs Actual
Actual Earning per Share of UMB Financial refers to what the company shows during its earnings calls or quarterly reports. The Expected EPS is what analysts covering UMB Financial predict the company's earnings will be in the future. The higher the earnings per share of UMB Financial, the better is its profitability. While calculating the Earning per Share, we use the weighted ratio, as the number of shares outstanding can change over time.UMB Financial Estimated Months Earnings per Share
For an investor who is primarily interested in generating an income out of investing in entities such as UMB Financial, the EPS ratio can tell if the company is intending to increase its current dividend. Although EPS is an essential tool for investors, it should not be used in isolation. EPS of UMB Financial should always be considered in relation to other companies to make a more educated investment decision.UMB Quarterly Analyst Estimates and Surprise Metrics
Earnings surprises can significantly impact UMB Financial's stock price both in the short term and over time. Negative earnings surprises usually result in a price decline. However, it has been seen that positive earnings surprises lead to an immediate rise in a stock's price and a gradual increase over time. This is why we often hear news about some companies beating earning projections. Financial analysts spend a large amount of time predicting earnings per share (EPS) along with other important future indicators. Many analysts use forecasting models, management guidance, and additional fundamental information to derive an EPS estimate.
| Reported | Fiscal Date | Estimated EPS | Reported EPS | Surprise | |||
|---|---|---|---|---|---|---|---|
2026-01-26 | 2025-12-31 | 2.63 | 3.08 | 0.45 | 17 | ||
2025-10-28 | 2025-09-30 | 2.48 | 2.7 | 0.22 | 8 | ||
2025-07-29 | 2025-06-30 | 2.37 | 2.96 | 0.59 | 24 | ||
2025-04-29 | 2025-03-31 | 2.19 | 2.58 | 0.39 | 17 | ||
2025-01-28 | 2024-12-31 | 2.26 | 2.49 | 0.23 | 10 | ||
2024-10-29 | 2024-09-30 | 2.2 | 2.25 | 0.05 | 2 | ||
2024-07-30 | 2024-06-30 | 2.01 | 2.07 | 0.06 | 2 | ||
2024-04-29 | 2024-03-31 | 1.76 | 2.25 | 0.49 | 27 | ||
2024-01-30 | 2023-12-31 | 1.76 | 1.45 | -0.31 | 17 | ||
2023-10-24 | 2023-09-30 | 1.77 | 1.98 | 0.21 | 11 | ||
2023-07-25 | 2023-06-30 | 1.93 | 1.85 | -0.08 | 4 | ||
2023-04-25 | 2023-03-31 | 1.86 | 1.9 | 0.04 | 2 | ||
2023-01-24 | 2022-12-31 | 1.99 | 2.06 | 0.07 | 3 | ||
2022-10-25 | 2022-09-30 | 2.15 | 1.81 | -0.34 | 15 | ||
2022-07-26 | 2022-06-30 | 1.9 | 2.83 | 0.93 | 48 | ||
2022-04-26 | 2022-03-31 | 1.67 | 2.17 | 0.5 | 29 | ||
2022-01-25 | 2021-12-31 | 1.85 | 1.61 | -0.24 | 12 | ||
2021-10-26 | 2021-09-30 | 1.8 | 1.94 | 0.14 | 7 | ||
2021-07-27 | 2021-06-30 | 1.78 | 1.79 | 0.01 | 0 | ||
2021-04-27 | 2021-03-31 | 1.44 | 1.91 | 0.47 | 32 | ||
2021-01-26 | 2020-12-31 | 2.3 | 1.39 | -0.91 | 39 | ||
2020-10-27 | 2020-09-30 | 1.02 | 1.52 | 0.5 | 49 | ||
2020-07-28 | 2020-06-30 | 0.37 | 1.26 | 0.89 | 240 | ||
2020-04-28 | 2020-03-31 | 0.87 | -0.07 | -0.94 | 108 | ||
2020-01-28 | 2019-12-31 | 1.17 | 1.35 | 0.18 | 15 | ||
2019-10-29 | 2019-09-30 | 1.17 | 1.27 | 0.1 | 8 | ||
2019-07-30 | 2019-06-30 | 1.16 | 1.16 | 0.0 | 0 | ||
2019-04-23 | 2019-03-31 | 1.1 | 1.18 | 0.08 | 7 | ||
2019-01-29 | 2018-12-31 | 1.11 | 0.52 | -0.59 | 53 | ||
2018-10-23 | 2018-09-30 | 1.13 | 1.16 | 0.03 | 2 | ||
2018-07-24 | 2018-06-30 | 1.14 | 1.11 | -0.03 | 2 | ||
2018-04-24 | 2018-03-31 | 1.05 | 1.14 | 0.09 | 8 | ||
2018-01-23 | 2017-12-31 | 0.94 | 1.01 | 0.07 | 7 | ||
2017-10-24 | 2017-09-30 | 0.92 | 0.97 | 0.05 | 5 | ||
2017-07-25 | 2017-06-30 | 0.93 | 0.9 | -0.03 | 3 | ||
2017-04-25 | 2017-03-31 | 0.85 | 0.89 | 0.04 | 4 | ||
2017-01-24 | 2016-12-31 | 0.85 | 0.91 | 0.06 | 7 | ||
2016-10-25 | 2016-09-30 | 0.78 | 0.85 | 0.07 | 8 | ||
2016-07-26 | 2016-06-30 | 0.74 | 0.76 | 0.02 | 2 | ||
2016-04-26 | 2016-03-31 | 0.67 | 0.74 | 0.07 | 10 | ||
2016-01-26 | 2015-12-31 | 0.61 | 0.6 | -0.01 | 1 | ||
2015-10-27 | 2015-09-30 | 0.65 | 0.46 | -0.19 | 29 | ||
2015-07-28 | 2015-06-30 | 0.65 | 0.65 | 0.0 | 0 | ||
2015-04-28 | 2015-03-31 | 0.7 | 0.74 | 0.04 | 5 | ||
2015-01-27 | 2014-12-31 | 0.76 | 0.59 | -0.17 | 22 | ||
2014-10-28 | 2014-09-30 | 0.76 | 0.78 | 0.02 | 2 | ||
2014-07-22 | 2014-06-30 | 0.76 | 0.79 | 0.03 | 3 | ||
2014-04-22 | 2014-03-31 | 0.71 | 0.73 | 0.02 | 2 | ||
2014-01-28 | 2013-12-31 | 0.74 | 0.77 | 0.03 | 4 | ||
2013-10-22 | 2013-09-30 | 0.74 | 0.83 | 0.09 | 12 | ||
2013-07-23 | 2013-06-30 | 0.74 | 0.74 | 0.0 | 0 | ||
2013-04-23 | 2013-03-31 | 0.64 | 0.87 | 0.23 | 35 | ||
2013-01-22 | 2012-12-31 | 0.67 | 0.52 | -0.15 | 22 | ||
2012-10-23 | 2012-09-30 | 0.68 | 0.64 | -0.04 | 5 | ||
2012-07-24 | 2012-06-30 | 0.69 | 0.72 | 0.03 | 4 | ||
2012-04-24 | 2012-03-31 | 0.61 | 1.15 | 0.54 | 88 | ||
2012-01-24 | 2011-12-31 | 0.61 | 0.58 | -0.03 | 4 | ||
2011-10-25 | 2011-09-30 | 0.65 | 0.58 | -0.07 | 10 | ||
2011-07-26 | 2011-06-30 | 0.65 | 0.68 | 0.03 | 4 | ||
2011-04-26 | 2011-03-31 | 0.58 | 0.65 | 0.07 | 12 | ||
2011-01-26 | 2010-12-31 | 0.54 | 0.47 | -0.07 | 12 | ||
2010-10-27 | 2010-09-30 | 0.51 | 0.57 | 0.06 | 11 | ||
2010-07-28 | 2010-06-30 | 0.46 | 0.57 | 0.11 | 23 | ||
2010-04-27 | 2010-03-31 | 0.53 | 0.65 | 0.12 | 22 | ||
2010-01-26 | 2009-12-31 | 0.57 | 0.59 | 0.02 | 3 | ||
2009-10-27 | 2009-09-30 | 0.49 | 0.59 | 0.1 | 20 | ||
2009-07-21 | 2009-06-30 | 0.46 | 0.47 | 0.01 | 2 | ||
2009-04-21 | 2009-03-31 | 0.51 | 0.55 | 0.04 | 7 | ||
2009-01-27 | 2008-12-31 | 0.51 | 0.49 | -0.02 | 3 | ||
2008-10-21 | 2008-09-30 | 0.57 | 0.53 | -0.04 | 7 | ||
2008-07-22 | 2008-06-30 | 0.54 | 0.58 | 0.04 | 7 | ||
2008-04-22 | 2008-03-31 | 0.47 | 0.78 | 0.31 | 65 | ||
2008-01-22 | 2007-12-31 | 0.45 | 0.37 | -0.08 | 17 | ||
2007-10-23 | 2007-09-30 | 0.47 | 0.51 | 0.04 | 8 | ||
2007-07-24 | 2007-06-30 | 0.42 | 0.48 | 0.06 | 14 | ||
2007-04-24 | 2007-03-31 | 0.38 | 0.41 | 0.03 | 7 | ||
2007-01-23 | 2006-12-31 | 0.37 | 0.37 | 0.0 | 0 | ||
2006-10-24 | 2006-09-30 | 0.39 | 0.37 | -0.02 | 5 | ||
2006-07-25 | 2006-06-30 | 0.36 | 0.35 | -0.01 | 2 | ||
2006-04-25 | 2006-03-31 | 0.34 | 0.31 | -0.03 | 8 | ||
2006-01-24 | 2005-12-31 | 0.33 | 0.35 | 0.02 | 6 | ||
2005-10-25 | 2005-09-30 | 0.32 | 0.38 | 0.06 | 18 | ||
2005-07-26 | 2005-06-30 | 0.27 | 0.32 | 0.05 | 18 | ||
2005-04-26 | 2005-03-31 | 0.29 | 0.27 | -0.02 | 6 | ||
2005-01-25 | 2004-12-31 | 0.27 | 0.27 | 0.0 | 0 | ||
2004-10-28 | 2004-09-30 | 0.24 | 0.28 | 0.04 | 16 | ||
2004-07-29 | 2004-06-30 | 0.27 | 0.2 | -0.07 | 25 | ||
2004-04-29 | 2004-03-31 | 0.32 | 0.25 | -0.07 | 21 | ||
2004-01-29 | 2003-12-31 | 0.32 | 0.28 | -0.04 | 12 | ||
2003-10-16 | 2003-09-30 | 0.31 | 0.31 | 0.0 | 0 | ||
2003-07-17 | 2003-06-30 | 0.3 | 0.31 | 0.01 | 3 | ||
2003-04-17 | 2003-03-31 | 0.27 | 0.33 | 0.06 | 22 | ||
2003-01-16 | 2002-12-31 | 0.28 | 0.28 | 0.0 | 0 | ||
2002-10-17 | 2002-09-30 | 0.34 | 0.26 | -0.08 | 23 | ||
2002-07-18 | 2002-06-30 | 0.41 | 0.32 | -0.09 | 21 | ||
2002-04-18 | 2002-03-31 | 0.41 | 0.45 | 0.04 | 9 | ||
2002-01-17 | 2001-12-31 | 0.37 | 0.32 | -0.05 | 13 | ||
2001-10-18 | 2001-09-30 | 0.39 | 0.38 | -0.01 | 2 | ||
2001-07-19 | 2001-06-30 | 0.38 | 0.38 | 0.0 | 0 | ||
2001-04-19 | 2001-03-31 | 0.35 | 0.4 | 0.05 | 14 | ||
2001-01-18 | 2000-12-31 | 0.38 | 0.35 | -0.03 | 7 | ||
2000-10-12 | 2000-09-30 | 0.38 | 0.37 | -0.01 | 2 | ||
2000-07-20 | 2000-06-30 | 0.37 | 0.37 | 0.0 | 0 | ||
2000-04-20 | 2000-03-31 | 0.35 | 0.37 | 0.02 | 5 | ||
2000-01-20 | 1999-12-31 | 0.34 | 0.35 | 0.01 | 2 | ||
1999-10-21 | 1999-09-30 | 0.34 | 0.34 | 0.0 | 0 | ||
1999-07-15 | 1999-06-30 | 0.34 | 0.35 | 0.01 | 2 | ||
1999-04-22 | 1999-03-31 | 0.33 | 0.35 | 0.02 | 6 | ||
1999-01-21 | 1998-12-31 | 0.32 | 0.37 | 0.05 | 15 | ||
1998-11-19 | 1998-09-30 | 0.32 | 0.3 | -0.02 | 6 | ||
1998-07-16 | 1998-06-30 | 0.33 | 0.31 | -0.02 | 6 | ||
1998-04-16 | 1998-03-31 | 0.33 | 0.32 | -0.01 | 3 | ||
1998-01-22 | 1997-12-31 | 0.33 | 0.35 | 0.02 | 6 | ||
1997-10-14 | 1997-09-30 | 0.32 | 0.32 | 0.0 | 0 | ||
1997-07-15 | 1997-06-30 | 0.31 | 0.31 | 0.0 | 0 | ||
1997-04-23 | 1997-03-31 | 0.3 | 0.32 | 0.02 | 6 | ||
1997-01-14 | 1996-12-31 | 0.3 | 0.23 | -0.07 | 23 | ||
1996-10-15 | 1996-09-30 | 0.3 | 0.29 | -0.01 | 3 | ||
1996-07-17 | 1996-06-30 | 0.28 | 0.3 | 0.02 | 7 | ||
1996-04-26 | 1996-03-31 | 0.26 | 0.37 | 0.11 | 42 |
Use UMB Financial in pair-trading
One of the main advantages of trading using pair correlations is that every trade hedges away some risk. Because there are two separate transactions required, even if UMB Financial position performs unexpectedly, the other equity can make up some of the losses. Pair trading also minimizes risk from directional movements in the market. For example, if an entire industry or sector drops because of unexpected headlines, the short position in UMB Financial will appreciate offsetting losses from the drop in the long position's value.UMB Financial Pair Trading
UMB Financial Pair Trading Analysis
The ability to find closely correlated positions to UMB Financial could be a great tool in your tax-loss harvesting strategies, allowing investors a quick way to find a similar-enough asset to replace UMB Financial when you sell it. If you don't do this, your portfolio allocation will be skewed against your target asset allocation. So, investors can't just sell and buy back UMB Financial - that would be a violation of the tax code under the "wash sale" rule, and this is why you need to find a similar enough asset and use the proceeds from selling UMB Financial to buy it.
The correlation of UMB Financial is a statistical measure of how it moves in relation to other instruments. This measure is expressed in what is known as the correlation coefficient, which ranges between -1 and +1. A perfect positive correlation (i.e., a correlation coefficient of +1) implies that as UMB Financial moves, either up or down, the other security will move in the same direction. Alternatively, perfect negative correlation means that if UMB Financial moves in either direction, the perfectly negatively correlated security will move in the opposite direction. If the correlation is 0, the equities are not correlated; they are entirely random. A correlation greater than 0.8 is generally described as strong, whereas a correlation less than 0.5 is generally considered weak.
Correlation analysis and pair trading evaluation for UMB Financial can also be used as hedging techniques within a particular sector or industry or even over random equities to generate a better risk-adjusted return on your portfolios.Use Investing Themes to Complement your UMB Financial position
In addition to having UMB Financial in your portfolios, you can quickly add positions using our predefined set of ideas and optimize them against your very unique investing style. A single investing idea is a collection of funds, stocks, ETFs, or cryptocurrencies that are programmatically selected from a pull of investment themes. After you determine your investment opportunity, you can then find an optimal portfolio that will maximize potential returns on the chosen idea or minimize its exposure to market volatility.Did You Try This Idea?
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Air
Companies specializing in air services and air delivery. The Air theme has 21 constituents at this time.
You can either use a buy-and-hold strategy to lock in the entire theme or actively trade it to take advantage of the short-term price volatility of individual constituents. Macroaxis can help you discover thousands of investment opportunities in different asset classes. In addition, you can partner with us for reliable portfolio optimization as you plan to utilize Air Theme or any other thematic opportunities.
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Check out World Market Map. For more detail on how to invest in UMB Stock please use our How to Invest in UMB Financial guide.You can also try the AI Portfolio Prophet module to use AI to generate optimal portfolios and find profitable investment opportunities.
To fully project UMB Financial's future profitability, investors should examine all historical financial statements. These statements provide investors with a comprehensive snapshot of the financial position of UMB Financial at a specified time, usually calculated after every quarter, six months, or one year. Three primary documents fall into the category of financial statements. These documents include UMB Financial's income statement, its balance sheet, and the statement of cash flows.