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

Other product segments

Other Financial Services
$16.9M+60.7%
Trading And Investment Banking
$7.62M+36.5%
Investment Securities Gains Losses Net
$3.05M+164%
Deposit Account
$32K-17.9%

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CCredit and bank card income, card-related loan fees — Commissions and fees revenue
$207M+27.0%
Popular logo
BPOPCredit Card Fees Excluding Late Fees And Membership Fees — Revenue

Other financials

Income statement

See full
Revenue$739.2M+31.1%
Net income$261.4M+221%
EPS (diluted)$3.35+177%

Balance sheet

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Total debt$477.2M-27.1%
Total equity$7.8B+16.0%
Total assets$72.7B+4.8%

Cash flow

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Operating cash flow$361.3M-0.5%
CapEx$4.5M-48.8%
Free cash flow$356.8M+0.7%

Valuation

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Market cap$10.11B+16.9%
P/E11.5×-9.5×
P/S3.6×-1.2×

Profitability

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Net margin31.2%+8.2pp
FCF margin34.7%

Returns & leverage

See full
Return on equity12.1%+3.8pp
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 official record: UMB Financial’s 10-Q, filed April 30, 2026, on SEC EDGAR. View the filing →

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Questions, answered.

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 -$12.17M in Q1 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 decreased by 3.2% year-over-year, from -$11.8M to -$12.17M.
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?
Revenue generated from credit card activities that is not derived from standard customer service contracts.
How do you interpret credit card — revenue not from contract with customer?
An increase in negative values typically indicates higher costs or adjustments related to non-contractual items, while a move toward zero or positive values suggests improved performance in these specific financial categories.
How does credit card — revenue not from contract with customer compare across companies?
Similar to other financial institutions' 'other income' or 'non-contractual revenue' line items in credit card divisions.