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UMB Financial UMBF Free cash flow margin

Free cash flow margin at other companies

Commerce Bancshares logo
Commerce BancsharesCBSH
65.1%
State Street logo
State StreetSTT
-25.9%
BOK Financial logo
BOK FinancialBOKF
64.7%+51.6pp
International Bancshares logo
International BancsharesIBOC
52.7%-1.8pp
BankUnited logo
BankUnitedBKU
29.4%-0.4pp
Customers Bancorp logo
Customers BancorpCUBI
46.9%+9.0pp

Other financials

Income statement

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Revenue$778.0M+12.9%
Net income$277.6M+27.7%
EPS (diluted)$3.56+26.2%

Balance sheet

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Total debt$480.1M-27.0%
Total equity$8.0B+10.2%
Total assets$72.3B+0.7%

Cash flow

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Operating cash flow$349.3M+22.4%
CapEx$18.5M+26.4%
Free cash flow$330.8M+22.2%

Valuation

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Market cap$11.15B+33.5%
P/E11.8×-4.0×
P/S3.8×-0.2×

Profitability

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Net margin32.3%+7.1pp

Returns & leverage

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Return on equity12.3%+2.3pp
Debt / equity0.1×0.0×

Where this comes from

Calculated from UMB Financial’s reported figures.

Based on trailing twelve months.

The source filing: UMB Financial’s 10-Q, filed July 30, 2026. Open the filing →

Filed
Jul 30, 2026, 9:01 AM EDT
Fiscal quarter
Q2 FY2026
Calendar quarter
Q2 2026
Accession
0001193125-26-325054

FAQ

What is UMB Financial's free cash flow margin?
UMB Financial (UMBF) reported free cash flow margin of 35.7% in Q2 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?
Free cash flow (operating cash flow minus capital expenditures) as a percentage of revenue, trailing twelve months. Measures how efficiently revenue converts into discretionary cash.

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