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UMB Financial UMBF Credit Card — Noninterest Income

Other product segments

Fiduciary And Trust
$98.3M+18.1%
Other Financial Services
$29.66M+80.1%
Deposit Account
$29.59M+2.5%
Investment Securities Gains Losses Net
$27.09M-28.1%
Brokerage Fees
$25.4M+23.8%
Trading And Investment Banking
$5.31M-13.9%
Insurance Fees And Commissions
$207K+9.5%

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$1.89M+28.4%

Other financials

Income statement

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Revenue$778.0M+12.9%
Net income$277.6M+27.7%
EPS (diluted)$3.56+26.2%

Balance sheet

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Total debt$480.1M-27.0%
Total equity$8.0B+10.2%
Total assets$72.3B+0.7%

Cash flow

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Operating cash flow$349.3M+22.4%
CapEx$18.5M+26.4%
Free cash flow$330.8M+22.2%

Valuation

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Market cap$11.15B+33.5%
P/E11.8×-4.0×
P/S3.8×-0.2×

Profitability

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Net margin32.3%+7.1pp
FCF margin35.7%—

Returns & leverage

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Return on equity12.3%+2.3pp
Debt / equity0.1×0.0×

Where this comes from

Reported directly by UMB Financial in its filing.

Tagged under the XBRL concept us-gaap:NoninterestIncome.

The source filing: UMB Financial’s 10-Q, filed July 30, 2026.

Filed
Jul 30, 2026, 9:01 AM EDT
Fiscal quarter
Q2 FY2026
Calendar quarter
Q2 2026
Accession
0001193125-26-325054
NONINTEREST INCOMECommercial BankingInstitutional BankingPersonal BankingRevenue (Expense) out of Scope of ASC 606Total
Trading and investment banking—144—5,1705,314
Service charges on deposit accounts16,57910,5832,3972929,588
Insurance fees and commissions——207—207
Brokerage fees9722,8022,501—25,400
Bankcard fees27,7797,9817,711(13,517)29,954
Investment securities gains, net———27,08727,087
Other3,0059681,00724,68029,660
Total Noninterest income$48,318$119,321$34,417$43,449$245,505

ITEM 1. FINANCIAL STATEMENTS

FAQ

What is UMB Financial's credit card — noninterest income?
UMB Financial (UMBF) reported credit card — noninterest income of $29.95M in Q2 2026.
How has UMB Financial's credit card — noninterest income changed year-over-year?
UMB Financial's credit card — noninterest income increased by 3.2% year-over-year, from $29.02M to $29.95M.
What is the long-term trend for UMB Financial's credit card — noninterest income?
Over 4 years (2021 to 2025), UMB Financial's credit card — noninterest income has grown at a 15.2% compound annual growth rate (CAGR), from $64.58M to $113.92M.
What does credit card — noninterest income mean?
This metric measures the total income generated by the credit card segment excluding interest income, primarily consisting of interchange fees, late fees, and other service-related charges. It reflects the segment's ability to generate fee-based revenue independent of lending activities. This is a key indicator of the segment's operational efficiency and market penetration.

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