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UMB Financial UMBF Credit Card — Revenue Not From Contract With Customer

Other product segments

Investment Securities Gains Losses Net
$27.09M-28.1%
Other Financial Services
$24.68M+96.0%
Trading And Investment Banking
$5.17M-15.0%
Deposit Account
$29K-23.7%

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Other financials

Income statement

See full
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

See full
Net margin32.3%+7.1pp
FCF margin35.7%

Returns & leverage

See full
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:RevenueNotFromContractWithCustomer.

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 banking1445,1705,314
Service charges on deposit accounts16,57910,5832,3972929,588
Insurance fees and commissions207207
Brokerage fees9722,8022,50125,400
Bankcard fees27,7797,9817,711(13,517)29,954
Investment securities gains, net27,08727,087
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 — revenue not from contract with customer?
UMB Financial (UMBF) reported credit card — revenue not from contract with customer of -$13.52M in Q2 2026.
How has UMB Financial's credit card — revenue not from contract with customer changed year-over-year?
UMB Financial's credit card — revenue not from contract with customer increased by 1.4% year-over-year, from -$13.71M to -$13.52M.
What is the long-term trend for UMB Financial's credit card — revenue not from contract with customer?
Over 4 years (2021 to 2025), UMB Financial's credit card — revenue not from contract with customer has grown at a 11.5% compound annual growth rate (CAGR), from -$33.24M to -$51.3M.
What does credit card — revenue not from contract with customer mean?
This metric represents revenue streams within the credit card segment that fall outside the scope of standard customer contracts, such as certain regulatory adjustments, fair value changes, or specific financial instrument gains. It captures non-contractual financial performance that impacts the segment's bottom line. This is essential for understanding the volatility and non-core income drivers of the credit card business.

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