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• Gross Margin

• EBITDA Margin

• Operating Margin

• Pre-Tax Margin

• Effective Tax Rate

• Free Cash Flow Margin

• Cash Flow Margin

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Umb Financial Corp (NASDAQ: UMBF)

Sector • Financial Industry • Commercial Banks

Industry • Commercial Banks

Sector • Financial

Umb Financial Profitability Comparisons

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UMBF Profitability Ratio	Company	Industry	Sector	S&P 500
Gross Profit Margin (Q2 MRQ)	0 %	95.02 %	55.5 %	46.06 %
Gross Margin (Q2 TTM)	69.27 %	94.15 %	54.76 %	46.3 %
Gross Profit Margin 5 Yr. Avg.	86.82 %	90.95 %	57.5 %	47.07 %
EBITDA Margin (Q2 MRQ)	57.67 %	59.46 %	27.05 %	20.6 %
EBITDA Margin (Q2 TTM)	88.19 %	50.51 %	24.48 %	19.1 %
EBITDA Margin 5 Yr. Avg.	82.06 %	68.77 %	42.73 %	22.06 %
Operating Margin (Q2 MRQ)	0 %	37.95 %	24.24 %	16.03 %
Operating Margin (Q2 TTM)	29.79 %	36.77 %	26.67 %	16.33 %
Operating Margin 5 Yr. Avg.	34.08 %	37.9 %	26.34 %	17.09 %
Pre-Tax Profit Margin (Q2 MRQ)	46.72 %	35.85 %	15.03 %	13.94 %
Pre-Tax Profit Margin (Q2 TTM)	42.24 %	34.49 %	16.32 %	13.09 %
Pre-Tax Profit Margin 5 Yr. Avg.	34.08 %	33.59 %	19.61 %	12.49 %
Net Margin (Q2 MRQ)	37.01 %	28.88 %	11.77 %	11.41 %
Net Margin (Q2 TTM)	33.5 %	27.22 %	12.99 %	10.76 %
Net Margin 5 Yr. Avg.	27.81 %	27.01 %	16.06 %	9.95 %

Business Segment			Profit Margin

Commercial Banking			-
Institutional Banking			-
Institutional Banking Brokerage Fees			-
Institutional Banking Bankcard Fees			-
Personal Banking			-
Personal Banking Trust and Securities Processing			-
Personal Banking Insurance Fees and Commissions			-
Personal Banking Brokerage Fees			-
Credit Card			-
Other Financial Services			-

Company's Cashflow Profitability & Other

Profitability Ratios	Company	Industry	Sector	S&P 500
Free Cash Flow Margin (Q2 MRQ)	44.1 %	84.45 %	0 %	1.39 %
Free Cash Flow Margin (Q2 TTM)	37.14 %	-2.41 %	8.53 %	9.24 %
Free Cash Flow Margin 5 Yr. Avg.	-	13.76 %	24.63 %	14.52 %
Net Cash Flow Margin (Q2 MRQ)	0 %	5.25 %	0 %	0.13 %
Net Cash Flow Margin (Q2 TTM)	-168.26 %	-10.29 %	4.11 %	1.81 %
Net Cash Flow Margin 5 Yr. Avg.	-	-0.29 %	24.73 %	5.85 %
Effective Tax Rate (Q2 MRQ)	20.78 %	18.18 %	21.13 %	18.83 %
Effective Tax Rate (Q2 TTM)	20.69 %	19.85 %	19.67 %	19.33 %
Effective Tax Rate 5 Yr. Avg.	18.35 %	17.96 %	16.41 %	19.86 %

Note
To view Detail Information & Trends click on Individual Category. Example: Y / Y Revenue Change (MRQ) or To see Industry, Sector or S&P 500 Performance, click on each Category respectivly, on the top of the Table. Example: Industry Sector S&P 500 For explanation of terms visit: Glossary

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