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UMB Financial UMBF Personal Banking — Fees And Commissions Credit Cards

Discontinued — last reported Q1 '18

Similar metrics at other companies

BACConsumer Banking — Fees And Commissions1

$2.01B+0.8%

FHNRegional Banking — Bankcard income

$14M+40.0%

CCredit and bank card income, card-related loan fees — Commissions and fees revenue

$207M+27.0%

FHNCorporate — Bankcard income

$0—

WFCCommercial Banking — Card fees

$55M+12.2%

ZIONCorporate Segment — Card fees

$30M-3.2%

Other financials

Income statement

Revenue$739.2M+31.1%

Net income$261.4M+221%

EPS (diluted)$3.35+177%

Balance sheet

Total debt$477.2M-27.1%

Total equity$7.8B+16.0%

Total assets$72.7B+4.8%

Cash flow

Operating cash flow$361.3M-0.5%

CapEx$4.5M-48.8%

Free cash flow$356.8M+0.7%

Valuation

Market cap$10.11B+16.9%

P/E11.5×-9.5×

P/S3.6×-1.2×

Profitability

Net margin31.2%+8.2pp

FCF margin34.7%—

Returns & leverage

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:FeesAndCommissionsCreditCards.

The official record: UMB Financial’s 10-Q, filed May 3, 2018, on SEC EDGAR. View the filing →

Questions, answered.

What does personal banking — fees and commissions credit cards mean?: Income earned from credit card transactions, annual fees, and related service charges.
How do you interpret personal banking — fees and commissions credit cards?: An increase indicates higher credit card usage or a larger, more active cardholder base.
How does personal banking — fees and commissions credit cards compare across companies?: Standard metric for any bank with a consumer credit card portfolio.