UMB Financial UMBF Business Segments
| Q1 '26 | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | ||
|---|---|---|---|---|---|---|
| Net Income Loss by Business | ||||||
| Commercial Banking | $175.52M+181% | $151.1M+83.9% | $144.21M+85.9% | $139.79M+94.9% | $62.39M-24.1% | |
| Institutional Banking | $67.62M+35.1% | $60.16M+33.6% | $51.99M+45.9% | $54.35M+28.5% | $50.04M+41.7% | |
| Personal Banking | $18.3M+159% | —— | -$7.88M-122% | $23.26M+284% | -$31.1M-329% | |
| Revenue by Business | ||||||
| Commercial Banking | $44.24M+9.1% | $43.99M+39.9% | $46.55M+45.4% | $46.56M+50.2% | $40.57M+42.1% | |
| Institutional Banking | $111.3M+16.3% | $107.17M+12.8% | $103.7M+15.9% | $99.4M+15.4% | $95.73M+15.1% | |
| Personal Banking | $33.83M+11.5% | $34.9M+39.7% | $34.25M+41.7% | $33.54M+38.2% | $30.34M+29.7% | |
| Interest Income Expense Net by Business | ||||||
| Commercial Banking | $365.34M+33.4% | $363.05M+101% | $331.56M+96.9% | $322.62M+100% | $273.92M+73.4% | |
| Institutional Banking | $77.29M+26.4% | $69.83M+33.1% | $61M+36.3% | $66.33M+30.5% | $61.16M+24.5% | |
| Personal Banking | $91.74M+46.6% | $89.63M+151% | $82.49M+141% | $78.07M+136% | $62.56M+93.5% | |
| Other Segment Items by Business | ||||||
| Commercial Banking | $16.51M+44.1% | $20.56M+127% | $13.51M+70.7% | $14.46M+78.5% | $11.46M+30.8% | |
| Institutional Banking | $9.26M-1.1% | $9.41M-33.3% | $9.54M+5.5% | $8.96M+3.6% | $9.37M+2.5% | |
| Personal Banking | $11.21M+41.6% | $13.52M+95.0% | $14.47M+126% | $19.51M+219% | $7.91M+6.4% | |
| Noninterest Income by Business | ||||||
| Commercial Banking | $46.29M+24.4% | $43.09M+42.2% | $56.09M+78.7% | $43.22M+50.2% | $37.22M-15.4% | |
| Institutional Banking | $121.83M+17.4% | $117.33M+7.9% | $115.38M+15.8% | $108M+14.8% | $103.8M+13.2% | |
| Personal Banking | $36.68M+45.6% | $37.95M+45.3% | $31.83M+14.7% | $70.97M+221% | $25.18M+6.9% | |
| Income Loss From Continuing Operations Before Income Taxes Extraordinary Items Noncontrolling Interest by Business | ||||||
| Commercial Banking | $222.4M+212% | $189.67M+90.4% | $181.15M+88.8% | $176.86M+98.1% | $71.37M-27.9% | |
| Institutional Banking | $85.69M+49.7% | $75.59M+40.9% | $65.3M+48.1% | $68.76M+32.5% | $57.25M+33.0% | |
| Personal Banking | $23.19M+165% | —— | -$9.9M-125% | $29.42M+306% | -$35.58M-338% | |
| Income Tax Expense Benefit by Business | ||||||
| Commercial Banking | $46.89M+422% | $38.57M+121% | $36.94M+101% | $37.07M+111% | $8.99M-46.4% | |
| Institutional Banking | $18.06M+151% | $15.43M+78.5% | $13.32M+57.5% | $14.41M+50.5% | $7.21M-6.8% | |
| Personal Banking | $4.89M+209% | -$1.84M-44.2% | -$2.02M-140% | $6.17M+489% | -$4.48M-410% | |
| Noninterest Expense by Business | ||||||
| Commercial Banking | $165.45M-4.4% | $194.46M+104% | $187.03M+113% | $170.65M+92.6% | $173.01M+81.6% | |
| Institutional Banking | $112.93M+5.3% | $111.05M+3.6% | $110.61M+10.6% | $105.14M+13.4% | $107.27M+10.0% | |
| Personal Banking | $102.5M-1.9% | $120.05M+77.1% | $121.64M+88.2% | $117.38M+73.2% | $104.51M+68.5% | |
| Noninterest Expense Payment Processing by Business | ||||||
| Commercial Banking | $2.85M-10.2% | $3.72M+47.5% | $2.02M-30.9% | $3.62M+1.8% | $3.17M+18.4% | |
| Institutional Banking | $6.51M+7.9% | $6.02M+42.5% | $6.53M-5.8% | $5.42M+0.4% | $6.04M+32.0% | |
| Personal Banking | $2.51M-30.0% | $2.55M+1.3% | $2.95M+24.5% | $3.33M+16.2% | $3.59M+15.2% | |
| Goodwill by Business | ||||||
| Commercial Banking | $1.04B+6.5% | $1.04B+1,552% | $1.04B+1,548% | $1.03B+1,526% | $978.1M+1,450% | |
| Institutional Banking | $76.49M0.0% | $76.49M0.0% | $76.49M0.0% | $76.49M0.0% | $76.49M0.0% | |
| Personal Banking | $719.86M+10.4% | $720.76M+963% | $718.95M+961% | $709.9M+947% | $652.1M+862% | |
| Labor And Related Expense by Business | ||||||
| Commercial Banking | $56.43M+5.3% | $56.41M+87.3% | $52.76M+97.1% | $53.69M+101% | $53.59M+96.9% | |
| Institutional Banking | $50.64M+7.3% | $51.13M+11.4% | $49.45M+17.1% | $47.28M+16.4% | $47.19M+18.5% | |
| Personal Banking | $39.92M+10.9% | $40.59M+62.8% | $39.76M+69.4% | $39.45M+73.3% | $36M+62.3% | |
| Business Acquisition Of HTLF by Business | ||||||
| Commercial Banking | -$1.34M-100% | $2.72M— | $13.56M— | $8.55M— | $954.64M— | |
| Personal Banking | -$892K-100% | $1.81M— | $9.04M— | $5.7M— | $636.43M— | |
| Amortization Of Intangible Assets by Business | ||||||
| Institutional Banking | $1.97M+10.4% | $1.96M+9.9% | $1.83M+2.2% | $1.78M-0.3% | $1.79M-2.4% | |
| Personal Banking | $75K-27.2% | $103K-21.4% | $103K-21.4% | $103K-21.4% | $103K-21.4% | |
| Average Assets by Business | ||||||
| Commercial Banking | $34.94B+16.3% | $474M+210% | $34.22B+59.0% | $33.92B+60.3% | $30.03B+39.7% | |
| Institutional Banking | $21.5B+17.3% | $417M+8.6% | $20.06B+37.4% | $18.98B+32.1% | $18.32B+34.8% | |
| Personal Banking | $13.99B+20.4% | $223M+233% | $14.22B+99.0% | $13.98B+101% | $11.62B+67.5% | |
| Noninterest Expense Transfer Agent And Custodian Fees by Business | ||||||
| Commercial Banking | $4.03M+9.9% | $4.01M+62.2% | $3.21M+41.1% | $3.77M+58.6% | $3.66M+69.4% | |
| Institutional Banking | $10.67M+0.2% | $9.53M+17.9% | $9.31M+17.0% | $9.78M+29.2% | $10.65M+55.8% | |
| Personal Banking | $4.38M-1.4% | $4.75M+37.6% | $4.66M+36.5% | $4.95M+57.6% | $4.44M+39.9% | |
| Provision For Loan Lease And Other Losses by Business | ||||||
| Commercial Banking | $23.78M-64.4% | $22M+37.4% | $19.47M+22.1% | $18.33M+52.0% | $66.75M+760% | |
| Institutional Banking | $497K+14.3% | $519K+29.1% | $460K+82.5% | $430K+60.4% | $435K+85.9% | |
| Personal Banking | $2.73M-85.5% | $2.48M-4.3% | $2.58M+43.0% | $2.24M+29.7% | $18.81M+840% | |
| Revenue Not From Contract With Customer by Product | ||||||
| Credit Card | -$12.17M-3.2% | -$12.76M-17.8% | -$13.04M-28.1% | -$13.71M-32.0% | -$11.8M-49.6% | |
| Deposit Account | $32K-17.9% | $30K-6.3% | $27K+3.8% | $38K+35.7% | $39K+44.4% | |
| Investment Securities Gains Losses Net | $3.05M+164% | $2.16M+264% | -$4.09M-256% | $37.69M+2,118% | -$4.78M-151% | |
| Other Financial Services | $16.9M+60.7% | $16.84M-7.3% | $29M+112% | $12.59M+16.5% | $10.52M-38.7% | |
| Trading And Investment Banking | $7.62M+36.5% | $6.04M+3.9% | $6.91M0.0% | $6.09M+22.7% | $5.58M+3.0% | |
| Revenue by Product | ||||||
| Brokerage Fees | $21.09M+16.5% | $20.5M+10.0% | $20.47M+30.0% | $20.53M+46.4% | $18.1M+37.6% | |
| Credit Card | $41.05M+7.8% | $41.81M+31.0% | $42.6M+30.8% | $42.72M+30.5% | $38.09M+27.6% | |
| Deposit Account | $29.44M+7.4% | $27.7M+29.6% | $29.12M+45.2% | $28.83M+29.7% | $27.42M+32.3% | |
| Fiduciary And Trust | $94.67M+18.7% | $92.43M+20.3% | $87.93M+18.5% | $83.26M+18.9% | $79.78M+14.8% | |
| Insurance Fees And Commissions | $255K+43.3% | $236K-44.5% | $307K+8.9% | $189K-29.2% | $178K-37.1% | |
| Other Financial Services | $2.74M0.0% | $3.23M+73.7% | $3.95M+53.0% | $3.88M+141% | $2.74M+70.2% | |
| Trading And Investment Banking | $122K-62.9% | $160K-57.2% | $121K-42.7% | $85K-83.0% | $329K+631% | |
| Noninterest Income by Product | ||||||
| Brokerage Fees | $21.09M+16.5% | $20.5M+10.0% | $20.47M+30.0% | $20.53M+46.4% | $18.1M+37.6% | |
| Credit Card | $28.88M+9.8% | $29.05M+37.8% | $29.56M+32.0% | $29.02M+29.9% | $26.29M+19.7% | |
| Deposit Account | $29.47M+7.3% | $27.73M+29.6% | $29.15M+45.1% | $28.87M+29.7% | $27.46M+32.3% | |
| Fiduciary And Trust | $94.67M+18.7% | $92.43M+20.3% | $87.93M+18.5% | $83.26M+18.9% | $79.78M+14.8% | |
| Insurance Fees And Commissions | $255K+43.3% | $236K-44.5% | $307K+8.9% | $189K-29.2% | $178K-37.1% | |
| Investment Securities Gains Losses Net | $3.05M+164% | $2.16M+264% | -$4.09M-256% | $37.69M+2,118% | -$4.78M-151% | |
| Other Financial Services | $19.64M+48.2% | $20.07M+0.3% | $32.95M+103% | $16.47M+32.6% | $13.26M-29.3% | |
| Trading And Investment Banking | $7.74M+30.9% | $6.2M+0.2% | $7.03M-1.3% | $6.17M+13.0% | $5.91M+8.2% |
Chart any of these lines over time, or line them up against competitors.
Compare these in charts →Questions, answered.
- How does UMB Financial break its business down?
- UMB Financial (UMBF) reports net income loss by business across 3 parts — Commercial Banking, Institutional Banking and Personal Banking. Each is extracted from the segment footnotes and tracked over time.
- Where does UMB Financial's segment data come from?
- Segment breakdowns are pulled from the segment footnotes in UMB Financial's SEC filings (the XBRL dimensional tags), so every line ties back to a reported figure. Switch between quarterly, annual, and TTM, or open any segment for its full history.
