How does UMB Financial (UMBF) make money?

UMB Financial (UMBF) generates revenue primarily from Other Financial Services, which accounted for 73.9% of total revenue in TTM through Q1 2026. The company reported $4.46B in revenue and converted 19.8% of it into net profit, equivalent to roughly $882.50M in net income — what's left after the cost of revenue, operating expenses, interest, and income taxes.

What is the gross profit margin of UMB Financial (UMBF)?

UMB Financial (UMBF) reported a gross profit margin of 56.7% in TTM through Q1 2026, equivalent to $2.53B in gross profit on $4.46B in revenue. Gross margin measures how much of each dollar of revenue remains after the direct cost of producing or delivering the product — a higher figure typically signals pricing power, scale, or a less capital-intensive business model.

What is the operating profit margin of UMB Financial (UMBF)?

UMB Financial (UMBF) reported an operating profit margin of 20.9% in TTM through Q1 2026, equivalent to $933.39M in operating income. Operating margin captures profitability after research & development, sales & marketing, and general & administrative expenses — but before interest, taxes, and one-off items — and is the cleanest single read on the underlying business's efficiency.

What is the net profit margin of UMB Financial (UMBF)?

UMB Financial (UMBF) reported a net profit margin of 19.8% in TTM through Q1 2026, equivalent to $882.50M in net income. Net margin is the bottom-line share of revenue that survives every expense — operating costs, interest, and income taxes — and is the figure that flows directly into earnings per share.

Is UMB Financial (UMBF) profitable?

Yes. UMB Financial (UMBF) reported $882.50M in net income for TTM through Q1 2026, with a net profit margin of 19.8%. The company earned more from its operations than it paid out in costs, interest, and income taxes, leaving positive earnings on the bottom line.

How much does UMB Financial (UMBF) spend on capital expenditures?

UMB Financial (UMBF) spent $44.28M on capital expenditures (CapEx) during TTM through Q1 2026, roughly 1.0% of total revenue. CapEx represents long-lived investment in property, equipment, data centres, and other physical infrastructure, and is subtracted from operating cash flow to arrive at free cash flow.

How much free cash flow does UMB Financial (UMBF) generate?

UMB Financial (UMBF) generated $980.67M in free cash flow during TTM through Q1 2026, a free-cash-flow margin of 22.0%. Free cash flow is the cash left after capital expenditures and represents the discretionary pool the company can use to pay dividends, repurchase shares, repay debt, or fund acquisitions without raising external capital.

What is the effective tax rate of UMB Financial (UMBF)?

UMB Financial (UMBF) had an effective tax rate of 20.7% in TTM through Q1 2026. The effective rate is the actual share of pre-tax income paid as income taxes and can differ materially from the statutory rate due to foreign earnings mix, tax credits (such as R&D), share-based compensation deductions, and one-off discrete items.

What are the main business segments of UMB Financial (UMBF)?

UMB Financial (UMBF) reports revenue across 4 reportable product segments, led by Other Financial Services at 53.5% of total revenue in TTM through Q1 2026. See the revenue-by-segment table on this page for the full breakdown and how each segment feeds into the income-statement waterfall above.

How UMB Financial Makes Money: 2026 Visual Revenue Map

UMB Financial (UMBF) Income Statement Flow — TTM through Q1 2026

Calculated from the four most recent reported quarters, ending March 31, 2026 (reported April 30, 2026).

UMB Financial discloses geographic revenue only in annual filings. to view the full breakdown.

UMB Financial (UMBF) Revenue by Product Segment — TTM through Q1 2026

Aggregated from the four quarterly disclosures behind this TTM. Minor differences vs the company's annual filing can occur if reported segments changed mid-year.

Revenue contribution by product segment for UMB Financial (UMBF) in TTM through Q1 2026.
Segment	Revenue (USD)	% of total
Other Financial Services	$2.38B	53.5%
Investment Securities Gains Losses Net	$1.23B	27.5%
Trading And Investment Banking	$843.49M	18.9%
Deposit Account	$4.02M	0.1%
Total	$4.46B	100%

Other Financial Services$2.38B
Investment Securities Gains Losses Net$1.23B
Trading And Investment Banking$843.49M
Deposit Account$4.02M
Total$4.46B

Revenue Breakdown — TTM through Q1 2026

In TTM through Q1 2026, UMB Financial (UMBF) reports revenue across 4 operating segments; the largest segment was Other Financial Services at 53.5%, followed by Investment Securities Gains Losses Net (27.5%) and Trading And Investment Banking (18.9%).

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