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UMB Financial UMBF Free cash flow margin

Free cash flow margin at other companies

State Street logo
State StreetSTT
-25.9%
Webster Financial Corporation logo
Webster Financial CorporationWBS
41%-5.3pp
Citizens Financial Group logo
Citizens Financial GroupCFG
33.7%+7.3pp
Old National Bancorp logo
Old National BancorpONB
26.6%-4.4pp
Huntington Bancshares logo
Huntington BancsharesHBAN
24.4%+0.6pp
KeyCorp logo
KeyCorpKEY
28.4%

Other financials

Income statement

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Revenue$739.2M+31.1%
Net income$261.4M+221%
EPS (diluted)$3.35+177%

Balance sheet

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Total debt$477.2M-27.1%
Total equity$7.8B+16.0%
Total assets$72.7B+4.8%

Cash flow

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Operating cash flow$361.3M-0.5%
CapEx$4.5M-48.8%
Free cash flow$356.8M+0.7%

Valuation

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Market cap$10.11B+16.9%
P/E11.5×-9.5×
P/S3.6×-1.2×

Profitability

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Net margin31.2%+8.2pp

Returns & leverage

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Return on equity12.1%+3.8pp
Debt / equity0.1×0.0×

Where this comes from

Calculated from UMB Financial’s reported figures.

Based on trailing twelve months.

The official record: UMB Financial’s 10-Q, filed April 30, 2026, on SEC EDGAR. View the filing →

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Questions, answered.

What is UMB Financial's free cash flow margin?
UMB Financial (UMBF) reported free cash flow margin of 34.7% in Q1 2026.
What is the long-term trend for UMB Financial's free cash flow margin?
Over 4 years (2020 to 2025), UMB Financial's free cash flow margin has grown at a 11.0% compound annual growth rate (CAGR), from 24.3% to 36.9%.
What does free cash flow margin mean?
How much real, spendable cash each sales dollar generates after reinvestment.
How do you interpret free cash flow margin?
A high and rising FCF margin is the hallmark of a cash-generative business. Persistent gaps between net margin and FCF margin warrant a look at working capital or capital intensity.
How does free cash flow margin compare across companies?
Strong cross-company quality signal; capital-light compounders post structurally higher FCF margins than asset-heavy peers.