How UMB Financial (UMBF) Makes Money: A Visual Guide
UMB Financial (UMBF) generated $4.44B in revenue (TTM through Q4 2025), earning $702.40M in net profit (15.8% margin). Its largest revenue source is Other Financial Services (80.1% of revenue). Below is an interactive breakdown of how revenue flows through the income statement.
UMB Financial (UMBF) Income Statement Flow
Frequently asked questions
How does UMB Financial (UMBF) make money?
- UMB Financial (UMBF) primarily makes money through Other Financial Services, which accounts for 80.1% of total revenue. For TTM through Q4 2025, UMB Financial generated $4.44B in total revenue with a net profit margin of 15.8%.
What is UMB Financial (UMBF) gross profit margin?
- UMB Financial (UMBF) reported a gross profit margin of 54.4% for TTM through Q4 2025, equivalent to $2.42B in gross profit. This means UMB Financial retains 54.4% 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 20.3% for TTM through Q4 2025, equivalent to $899.96M 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 15.8% for TTM through Q4 2025, equivalent to $702.40M 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 $48.58M on capital expenditures in TTM through Q4 2025 (1.1% 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 $978.11M in free cash flow for TTM through Q4 2025 (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 19.7% for TTM through Q4 2025. This is the actual percentage of pre-tax income paid as income taxes.
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.
When was this data last updated?
- Based on company filings through TTM through Q4 2025.
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