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Side-by-side financial comparison of COMERICA INC (CMA) and UMB FINANCIAL CORP (UMBF). Click either name above to swap in a different company.
UMB FINANCIAL CORP is the larger business by last-quarter revenue ($522.5M vs $187.0M, roughly 2.8× COMERICA INC). COMERICA INC runs the higher net margin — 94.1% vs 41.2%, a 52.9% gap on every dollar of revenue. On growth, UMB FINANCIAL CORP posted the faster year-over-year revenue change (94.3% vs -2.1%). Over the past eight quarters, UMB FINANCIAL CORP's revenue compounded faster (47.7% CAGR vs -1.3%).
Comerica Incorporated is an American financial services company, headquartered in Dallas, Texas. It is the parent of Comerica Bank, a regional commercial bank with 413 branches in the U.S. states of Texas, Michigan, California, Florida and Arizona. Comerica is among the largest U.S. financial holding companies, with offices in a number of U.S. cities.
UMB Financial Corporation is an American financial services company headquartered in Kansas City, Missouri. It offers comprehensive financial services, including deposit solutions like checking and savings accounts, credit services including home mortgages, auto loans, business loans and credit cards, as well as investing and wealth management. UMB serves individuals, companies and institutions across the U.S. and in Ireland.
CMA vs UMBF — Head-to-Head
Income Statement — Q3 2025 vs Q4 2025
| Metric | | |
|---|---|---|
| Revenue | $187.0M | $522.5M |
| Net Profit | $176.0M | $215.4M |
| Gross Margin | — | — |
| Operating Margin | — | 51.7% |
| Net Margin | 94.1% | 41.2% |
| Revenue YoY | -2.1% | 94.3% |
| Net Profit YoY | -4.3% | 79.5% |
| EPS (diluted) | $1.35 | $2.90 |
Green = leading value per metric. Periods may differ when fiscal calendars don't align.
8-Quarter Revenue & Profit Trend
Side-by-side quarterly history. Quarters aligned by calendar period so offset fiscal years line up.
| Q4 25 | — | $522.5M | ||
| Q3 25 | $187.0M | $475.0M | ||
| Q2 25 | $185.0M | $467.0M | ||
| Q1 25 | $183.0M | $397.6M | ||
| Q4 24 | $191.0M | $269.0M | ||
| Q3 24 | $191.0M | $247.4M | ||
| Q2 24 | $203.0M | $245.1M | ||
| Q1 24 | $187.0M | $239.4M |
| Q4 25 | — | $215.4M | ||
| Q3 25 | $176.0M | $188.3M | ||
| Q2 25 | $199.0M | $217.4M | ||
| Q1 25 | $172.0M | $81.3M | ||
| Q4 24 | $170.0M | $120.0M | ||
| Q3 24 | $184.0M | $109.6M | ||
| Q2 24 | $206.0M | $101.3M | ||
| Q1 24 | $138.0M | $110.3M |
| Q4 25 | — | 51.7% | ||
| Q3 25 | — | 49.8% | ||
| Q2 25 | — | 58.9% | ||
| Q1 25 | — | 23.4% | ||
| Q4 24 | — | 53.8% | ||
| Q3 24 | — | 54.8% | ||
| Q2 24 | — | 51.8% | ||
| Q1 24 | — | 55.9% |
| Q4 25 | — | 41.2% | ||
| Q3 25 | 94.1% | 39.6% | ||
| Q2 25 | 107.6% | 46.5% | ||
| Q1 25 | 94.0% | 20.5% | ||
| Q4 24 | 89.0% | 44.6% | ||
| Q3 24 | 96.3% | 44.3% | ||
| Q2 24 | 101.5% | 41.3% | ||
| Q1 24 | 73.8% | 46.0% |
| Q4 25 | — | $2.90 | ||
| Q3 25 | $1.35 | $2.36 | ||
| Q2 25 | $1.42 | $2.82 | ||
| Q1 25 | $1.25 | $1.21 | ||
| Q4 24 | $1.22 | $2.44 | ||
| Q3 24 | $1.33 | $2.23 | ||
| Q2 24 | $1.49 | $2.07 | ||
| Q1 24 | $0.98 | $2.25 |
Balance Sheet & Financial Strength
Snapshot of each company's liquidity, leverage and book value from the latest quarter.
| Metric | | |
|---|---|---|
| Cash + ST InvestmentsLiquidity on hand | — | $7.8B |
| Total DebtLower is stronger | $5.4B | $474.2M |
| Stockholders' EquityBook value | $7.4B | $7.7B |
| Total Assets | $77.4B | $73.1B |
| Debt / EquityLower = less leverage | 0.73× | 0.06× |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | — | $7.8B | ||
| Q3 25 | — | $8.8B | ||
| Q2 25 | — | $11.0B | ||
| Q1 25 | — | $10.6B | ||
| Q4 24 | — | $8.4B | ||
| Q3 24 | — | $7.3B | ||
| Q2 24 | — | $5.0B | ||
| Q1 24 | — | $6.9B |
| Q4 25 | — | $474.2M | ||
| Q3 25 | $5.4B | $471.3M | ||
| Q2 25 | $5.8B | $657.3M | ||
| Q1 25 | $5.7B | $654.4M | ||
| Q4 24 | $6.7B | $385.3M | ||
| Q3 24 | $6.8B | $384.8M | ||
| Q2 24 | $7.1B | $384.2M | ||
| Q1 24 | $7.1B | $383.7M |
| Q4 25 | — | $7.7B | ||
| Q3 25 | $7.4B | $7.4B | ||
| Q2 25 | $6.9B | $7.3B | ||
| Q1 25 | $7.1B | $6.7B | ||
| Q4 24 | $6.5B | $3.5B | ||
| Q3 24 | $7.4B | $3.5B | ||
| Q2 24 | $6.2B | $3.2B | ||
| Q1 24 | $6.0B | $3.2B |
| Q4 25 | — | $73.1B | ||
| Q3 25 | $77.4B | $71.9B | ||
| Q2 25 | $78.0B | $71.8B | ||
| Q1 25 | $77.6B | $69.3B | ||
| Q4 24 | $79.3B | $50.4B | ||
| Q3 24 | $79.7B | $47.5B | ||
| Q2 24 | $79.6B | $44.5B | ||
| Q1 24 | $79.4B | $45.3B |
| Q4 25 | — | 0.06× | ||
| Q3 25 | 0.73× | 0.06× | ||
| Q2 25 | 0.84× | 0.09× | ||
| Q1 25 | 0.81× | 0.10× | ||
| Q4 24 | 1.02× | 0.11× | ||
| Q3 24 | 0.92× | 0.11× | ||
| Q2 24 | 1.15× | 0.12× | ||
| Q1 24 | 1.18× | 0.12× |
Cash Flow & Capital Efficiency
How much cash each business actually produces after reinvestment. Cash flow is harder to manipulate than net income.
| Metric | | |
|---|---|---|
| Operating Cash FlowLast quarter | $-270.0M | $106.1M |
| Free Cash FlowOCF − Capex | — | $95.3M |
| FCF MarginFCF / Revenue | — | 18.2% |
| Capex IntensityCapex / Revenue | — | 2.1% |
| Cash ConversionOCF / Net Profit | -1.53× | 0.49× |
| TTM Free Cash FlowTrailing 4 quarters | — | $978.1M |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | — | $106.1M | ||
| Q3 25 | $-270.0M | $272.2M | ||
| Q2 25 | $476.0M | $285.4M | ||
| Q1 25 | $273.0M | $363.0M | ||
| Q4 24 | $-354.0M | $-66.9M | ||
| Q3 24 | $1.0B | $123.6M | ||
| Q2 24 | $111.0M | $112.4M | ||
| Q1 24 | $-205.0M | $56.1M |
| Q4 25 | — | $95.3M | ||
| Q3 25 | — | $257.8M | ||
| Q2 25 | — | $270.8M | ||
| Q1 25 | — | $354.2M | ||
| Q4 24 | — | $-77.1M | ||
| Q3 24 | — | $117.7M | ||
| Q2 24 | — | $106.7M | ||
| Q1 24 | — | $53.8M |
| Q4 25 | — | 18.2% | ||
| Q3 25 | — | 54.3% | ||
| Q2 25 | — | 58.0% | ||
| Q1 25 | — | 89.1% | ||
| Q4 24 | — | -28.6% | ||
| Q3 24 | — | 47.6% | ||
| Q2 24 | — | 43.5% | ||
| Q1 24 | — | 22.5% |
| Q4 25 | — | 2.1% | ||
| Q3 25 | — | 3.0% | ||
| Q2 25 | — | 3.1% | ||
| Q1 25 | — | 2.2% | ||
| Q4 24 | — | 3.8% | ||
| Q3 24 | — | 2.4% | ||
| Q2 24 | — | 2.3% | ||
| Q1 24 | — | 1.0% |
| Q4 25 | — | 0.49× | ||
| Q3 25 | -1.53× | 1.45× | ||
| Q2 25 | 2.39× | 1.31× | ||
| Q1 25 | 1.59× | 4.46× | ||
| Q4 24 | -2.08× | -0.56× | ||
| Q3 24 | 5.70× | 1.13× | ||
| Q2 24 | 0.54× | 1.11× | ||
| Q1 24 | -1.49× | 0.51× |
Financial Flow Comparison
Revenue → gross profit → operating profit → net profit for each company.
Revenue Breakdown by Segment
CMA
| Business Bank | $93.0M | 50% |
| Credit And Debit Card | $47.0M | 25% |
| Retail Bank | $28.0M | 15% |
| Capital Markets | $9.0M | 5% |
| Other | $6.0M | 3% |
| Commercial Loan | $3.0M | 2% |
| Brokerage Commissions Revenue | $1.0M | 1% |
UMBF
| Other | $256.7M | 49% |
| Institutional Banking | $107.2M | 21% |
| Commercial Banking | $44.0M | 8% |
| Personal Banking | $34.9M | 7% |
| Credit Card | $26.8M | 5% |
| Brokerage Fees | $17.8M | 3% |
| Deposit Account | $14.8M | 3% |
| Bankcard Fees | $12.8M | 2% |
| Trading And Investment Banking | $6.0M | 1% |
| Other Financial Services | $1.5M | 0% |
