How UMB Financial (UMBF) Makes Money: A Visual Guide
UMB Financial (UMBF) generated $4.46B in revenue, earning $882.50M in net profit (19.8% margin). Its largest revenue source is Other Financial Services (73.9% of revenue). Below is an interactive breakdown of how revenue flows through the income statement.
In TTM through Q1 2026, UMB Financial (UMBF) generated revenue across 4 reportable product segments; the largest contributor was Other Financial Services at 53.5%, followed by Investment Securities Gains Losses Net (27.5%) and Trading And Investment Banking (18.9%).
UMB Financial (UMBF) Income Statement Flow — TTM through Q1 2026
Calculated from the four most recent reported quarters, ending (reported ).
UMB Financial (UMBF) Revenue by Product Segment — TTM through Q1 2026
Revenue contribution by product segment for UMB Financial (UMBF) in TTM through Q1 2026.
Other Financial Services
- Revenue
- $2.38B
- % of total
- 53.5%
Investment Securities Gains Losses Net
- Revenue
- $1.23B
- % of total
- 27.5%
Trading And Investment Banking
- Revenue
- $843.49M
- % of total
- 18.9%
Deposit Account
- Revenue
- $4.02M
- % of total
- 0.1%
Total
- Revenue
- $4.46B
- % of total
- 100%
| Segment | Revenue | % 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% |
Frequently asked questions
How does UMB Financial (UMBF) make money?
UMB Financial (UMBF) primarily makes money through Other Financial Services, which accounts for 73.9% of total revenue. For TTM through Q1 2026, UMB Financial generated $4.46B in total revenue with a net profit margin of 19.8%.
What is UMB Financial (UMBF) gross profit margin?
UMB Financial (UMBF) reported a gross profit margin of 56.7% for TTM through Q1 2026, equivalent to $2.53B in gross profit. This means UMB Financial retains 56.7% of each revenue unit after direct costs of production.
What is UMB Financial (UMBF) operating profit margin?
UMB Financial (UMBF) reported an operating profit margin of 20.9% for TTM through Q1 2026, equivalent to $933.39M in operating profit. This reflects profitability after operating expenses such as R&D, sales, and administration, but before taxes and non-operating items.
What is UMB Financial (UMBF) net profit margin?
UMB Financial (UMBF) reported a net profit margin of 19.8% for TTM through Q1 2026, equivalent to $882.50M in net profit. This is the share of revenue that remains as profit after all expenses, taxes, and non-operating items.
How much does UMB Financial (UMBF) spend on capital expenditures?
UMB Financial (UMBF) spent $44.28M on capital expenditures in TTM through Q1 2026 (1.0% of total revenue). Capital expenditures represent investments in physical assets such as property, equipment, and infrastructure.
What is UMB Financial (UMBF) free cash flow?
UMB Financial (UMBF) generated $980.67M in free cash flow for TTM through Q1 2026 (22.0% of total revenue). Free cash flow is the cash remaining after capital expenditures and represents the company's ability to fund growth, pay dividends, or reduce debt.
What is UMB Financial (UMBF) effective tax rate?
UMB Financial (UMBF) had an effective tax rate of 20.7% for TTM through Q1 2026. This is the actual percentage of pre-tax income paid as income taxes.
What are UMB Financial (UMBF) main revenue segments?
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. The full segment-by-segment breakdown is shown in the revenue-by-segment table on this page.
Data & methodology
What is a Sankey diagram?
A Sankey diagram shows how money flows through a company from revenue to net profit. The width of each flow represents its proportion.
How is the data calculated?
We use the income statement from company filings. For TTM (Trailing Twelve Months), we use a pre-aggregated twelve-month view aligned with our latest four quarterly periods. Revenue flows to cost of revenue and gross profit, then to operating expenses (R&D, S&M, G&A) and operating profit.
Where do segment and geographic numbers come from?
Product-segment shares come from the same TTM income statement that powers the Sankey chart. Geographic splits are first rebuilt from the four most recent quarterly geographic-segmentation filings so they align with the same TTM window; if quarterly geo data is missing, we fall back to the latest annual disclosure (the table heading shows which one is in use).
When was this data last updated?
Based on company filings through TTM through Q1 2026.
Explore more
UMBF Overview
Company profile, financial tools, and key metrics
UMBF Revenue Counter
Earns $141.43 every second. See per minute, hour, and day.
UMBF Earnings Counter
Earns $27.98 per second net profit. See per minute, hour, and day.
UMBF Economic Scale
Exceeds Suriname's GDP. Compare with world economies.
UMBF What If Invested
What if you had invested $1,000? See historical returns from any date.
UMBF Stock Seasonality
Best and worst months to invest. Historical monthly returns heatmap.
UMBF Price Target Scenarios
Model bear, base, and bull cases with EPS growth and exit P/E — pre-filled from analysts and history.
UMBF Daily Price Character
Explosive · 44.7% historical win rate (green days). Streaks & record days.
UMBF Buybacks
0.41% TTM buyback yield. Shareholder yield & SBC comparison.
UMBF Stock Split History
21 splits on record. Dates, ratios, and cumulative multiple.
UMBF Dividend Profile
Yield: 1.27%. Safety: 7/8. See full history.
UMBF Dividend Calculator
How much dividend income would $1,000 have earned? Calculate from any date.
UMBF Dividend Forecast
Project future income with DRIP, growth assumptions, and optional monthly contributions.
UMBF Dividend Capture
Historical pre-ex touch stats, gap distribution, after-tax calculator, and a backtest simulator (limit-order vs MOC exit).
UMBF Financials
Revenue, EPS, EBITDA, market cap, debt and balance sheet history with annual and quarterly data.