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Pinnacle Financial Partners vs UMB Financial: PNFP and UMBF compared
Pinnacle Financial Partners is the larger company: $1.3B of revenue in its latest quarter (Q3 2026) against $772M for UMB Financial (Q3 2026). Pinnacle Financial Partners is growing faster (+141% against +14% a year earlier). UMB Financial is more profitable, with an operating margin of 44.3% against 36.4%.
Where the money goes: PNFP and UMBF
Pinnacle Financial Partners (PNFP) · Q3 2026
Pinnacle Financial Partners, Q3 2026: revenue $1.3B (+141% year over year), operating margin 36.4%, net earnings $379M, operating cash flow $376M. The chart follows the revenue to costs, profit and cash.
UMB Financial (UMBF) · Q3 2026
UMB Financial, Q3 2026: revenue $772M (+14% year over year), operating margin 44.3%, net earnings $278M, operating cash flow $370M. The chart follows the revenue to costs, profit and cash.
| Pinnacle Financial Partners (PNFP) | UMB Financial (UMBF) | |
|---|---|---|
| Latest quarter | Q3 2026 | Q3 2026 |
| Revenue | $1.3B | $772M |
| Revenue growth, Y/Y | +141% | +14% |
| Operating margin | 36.4% | 44.3% |
| Net earnings | $379M | $278M |
| Net margin | 28.9% | 36.0% |
| Operating cash flow | $376M | $370M |
| Free cash flow | $365M | $359M |
| Market value | $15.8B | $10.6B |
| P/E | 15.4× | 10.4× |
| Analysts’ mean target | $121.41 | $161.06 |
Where the revenue comes from
Pinnacle Financial Partners
- Net interest income: $986M (75%)
- Noninterest income: $326M (25%)
UMB Financial
- Net interest income: $540M (70%)
- Noninterest income: $232M (30%)
Questions
Which is bigger, Pinnacle Financial Partners or UMB Financial?
Pinnacle Financial Partners is the larger company: $1.3B of revenue in its latest quarter (Q3 2026) against $772M for UMB Financial (Q3 2026).
Is Pinnacle Financial Partners or UMB Financial growing faster?
Pinnacle Financial Partners is growing faster (+141% against +14% a year earlier).
Which is more profitable, Pinnacle Financial Partners or UMB Financial?
UMB Financial is more profitable, with an operating margin of 44.3% against 36.4%.
More: Pinnacle Financial Partners earnings · how Pinnacle Financial Partners makes money · UMB Financial earnings · how UMB Financial makes money
From the companies' latest 10-Q, 10-K or earnings release (10-Q filed Nov 2, 2026; 10-Q filed Oct 29, 2026). Fiscal quarters can end on different dates. Not investment advice.