stockrowUMB Financial Corporation
UMBF Financial Banks Regional
UMB Financial Corporation’s revenue for fiscal 2025 (year ended December 2025) was $4.1 billion, up 48.1% from fiscal 2024.
- Revenue
- +4.21%
- EPS
- +53.8%
- Free cash flow
- +39.2%
- Total debt
- −29.3%
Quarter to September 2026, against a year earlier
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UMB Financial Corporation (UMBF) Free cash flow margin
UMB Financial Corporation's free cash flow margin over the twelve months to 30 September 2026 was 25.9%, up 2.3 percentage points from fiscal 2025 (23.6%). Over the past ten years it has ranged from 7.33% (fiscal 2024) to 42.8% (fiscal 2022); the current reading is higher than 64% of that period. That is above the Banks Regional industry median of 18.0% and above the Financial sector median of 11.4%.
Free cash flow margin, annual
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Annual newest first
| Period | Free cash flow margin | Change (points) |
|---|---|---|
| FY2025 | 23.6% | 16.27 |
| FY2024 | 7.33% | (11.55) |
| FY2023 | 18.9% | (23.95) |
| FY2022 | 42.8% | 4.88 |
| FY2021 | 38.0% | 14.43 |
| FY2020 | 23.5% | 2.34 |
| FY2019 | 21.2% | (0.27) |
| FY2018 | 21.5% | (6.72) |
| FY2017 | 28.2% | 1.44 |
| FY2016 | 26.7% | 6.86 |
Against its own ten years
Free cash flow margin against peers
| Company | Free cash flow margin |
|---|---|
| SSB SouthState Bank Corporation compare | 41.5% |
| UMBF UMB Financial Corporation | 25.9% |
| ONB Old National Bancorp compare | 23.9% |
| CFR Cullen/Frost Bankers, Inc. compare | 19.9% |
| BPOP Popular, Inc. compare | 17.8% |
| CIB Grupo Cibest S.A. - Sponsored ADR compare | 10.0% |
| FHN First Horizon Corporation compare | 0.00% |
| ZION Zions Bancorporation, N.A. compare | 0.00% |
| WTFC Wintrust Financial Corporation compare | 0.00% |
| Banks Regional industry median | 18.0% |
| Financial sector median | 11.4% |
| Market median | 0.00% |
What Free cash flow margin is
Free Cash Flow Margin tells an investor how much of each sale turns into cash the company keeps after paying for investment in its assets.
(Operating Cash Flow + Property, Plant, Equipment Change (Net) + Intangible Assets Change (Net)) ÷ Revenue
More on UMBF
- Revenue
- Net income
- EPS (diluted)
- Free cash flow
- Operating cash flow
- Gross margin
- Operating margin
- Net margin
- P/E ratio
- P/S ratio
- P/B ratio
- Price to free cash flow
- Return on equity
- Return on assets
- Return on invested capital
- Debt to equity
- Current ratio
- Total debt
- Shares outstanding
- Book value per share
- Revenue growth
- Piotroski F-score
- The full statement