How do you interpret personal banking — fees and commissions depositor accounts?

An increase suggests higher transaction volume or effective fee-based pricing, while a decrease may indicate competitive pressure or lower account activity.

How does personal banking — fees and commissions depositor accounts compare across companies?

Commonly referred to as 'Service Charges on Deposit Accounts' in retail banking.

UMB Financial UMBF Personal Banking — Fees And Commissions Depositor Accounts

Discontinued — last reported Q1 '18

Similar metrics at other companies

MTBRetail Banking — Fees And Commissions Depositor Accounts

$60.6M—

MTBCommercial Banking — Fees And Commissions Depositor Accounts

$24.65M—

MTBBusiness Banking — Fees And Commissions Depositor Accounts

$15.4M—

CBSHConsumer segment — Deposit fee revenue by segment

28%-3.0pp

CBSHRetail banking segment — Deposit fee revenue by segment

28%—

CDeposit-related fees — Commissions and fees revenue

$346M+5.5%

Other financials

Income statement

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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

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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:FeesAndCommissionsDepositorAccounts.

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 depositor accounts mean?: Fees charged to customers for maintaining and using their personal bank accounts.
How do you interpret personal banking — fees and commissions depositor accounts?: An increase suggests higher transaction volume or effective fee-based pricing, while a decrease may indicate competitive pressure or lower account activity.
How does personal banking — fees and commissions depositor accounts compare across companies?: Commonly referred to as 'Service Charges on Deposit Accounts' in retail banking.