Filing Flows › UMB Financial (UMBF) › How it makes money
How UMB Financial (UMBF) makes money
UMB Financial (UMBF) made $772M of revenue in the third quarter 2026 (Q3 2026), +14% from a year earlier. Net interest income brought in $540M (70%); Noninterest income brought in $232M (30%). Of every dollar of revenue, 44¢ was left as operating profit, 36¢ was left as net earnings.
Drawing the Sankey…
Revenue by segment, Q3 2026
| Segment | Revenue | Share | Q/Q | Y/Y |
|---|---|---|---|---|
| Net interest income | $540M | 69.9% | +1% | +14% |
| Noninterest income | $232M | 30.1% | -5% | +14% |
Where each dollar of revenue goes
| Line | Q3 2026 | % of revenue |
|---|---|---|
| Revenue | $772M | 100.0% |
| Operating profit | $342M | 44.3% |
| Income tax | $63.8M | 8.3% |
| Net earnings | $278M | 36.0% |
| Operating cash flow | $370M | 48.0% |
| Free cash flow | $359M | 46.5% |
Revenue, quarter by quarter
| Quarter | Revenue | Y/Y |
|---|---|---|
| Q3 2026 | $772M | +14% |
From UMB Financial's 10-Q filed Oct 29, 2026 (on EDGAR).
Questions
How does UMB Financial make money?
UMB Financial (UMBF) made $772M of revenue in the third quarter 2026 (Q3 2026), +14% from a year earlier. Net interest income brought in $540M (70%); Noninterest income brought in $232M (30%). Of every dollar of revenue, 44¢ was left as operating profit, 36¢ was left as net earnings.
What is UMB Financial's biggest business?
Net interest income: $540M in the third quarter 2026, 70% of revenue, +14% from a year earlier.
What is UMB Financial's profit margin?
Net earnings were $278M, 36.0% of revenue, in the third quarter 2026; the operating margin was 44.3%.
Updated Nov 8, 2026. Read automatically from SEC filings and public data; errors are possible. Not investment advice.