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UMB Financial vs Cullen/Frost Bankers: UMBF and CFR compared
UMB Financial is the larger company: $772M of revenue in its latest quarter (Q3 2026) against $604M for Cullen/Frost Bankers (Q3 2026). UMB Financial is growing faster (+14% against +6% a year earlier). UMB Financial is more profitable, with an operating margin of 44.3% against 35.5%.
Where the money goes: UMBF and CFR
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.
Cullen/Frost Bankers (CFR) · Q3 2026
Cullen/Frost Bankers, Q3 2026: revenue $604M (+6% year over year), operating margin 35.5%, net earnings $180M, operating cash flow $293M. The chart follows the revenue to costs, profit and cash.
| UMB Financial (UMBF) | Cullen/Frost Bankers (CFR) | |
|---|---|---|
| Latest quarter | Q3 2026 | Q3 2026 |
| Revenue | $772M | $604M |
| Revenue growth, Y/Y | +14% | +6% |
| Operating margin | 44.3% | 35.5% |
| Net earnings | $278M | $180M |
| Net margin | 36.0% | 29.8% |
| Operating cash flow | $370M | $293M |
| Free cash flow | $359M | $249M |
| Market value | $10.6B | $9.6B |
| P/E | 10.4× | 14.4× |
| Analysts’ mean target | $161.06 | $173.57 |
Where the revenue comes from
UMB Financial
- Net interest income: $540M (70%)
- Noninterest income: $232M (30%)
Questions
Which is bigger, UMB Financial or Cullen/Frost Bankers?
UMB Financial is the larger company: $772M of revenue in its latest quarter (Q3 2026) against $604M for Cullen/Frost Bankers (Q3 2026).
Is UMB Financial or Cullen/Frost Bankers growing faster?
UMB Financial is growing faster (+14% against +6% a year earlier).
Which is more profitable, UMB Financial or Cullen/Frost Bankers?
UMB Financial is more profitable, with an operating margin of 44.3% against 35.5%.
More: UMB Financial earnings · how UMB Financial makes money · Cullen/Frost Bankers earnings · how Cullen/Frost Bankers makes money
From the companies' latest 10-Q, 10-K or earnings release (10-Q filed Oct 29, 2026; 10-Q filed Oct 29, 2026). Fiscal quarters can end on different dates. Not investment advice.