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Side-by-side financial comparison of UMB FINANCIAL CORP (UMBF) and U.S. Bancorp (USB). Click either name above to swap in a different company.
U.S. Bancorp is the larger business by last-quarter revenue ($7.4B vs $522.5M, roughly 14.1× UMB FINANCIAL CORP). UMB FINANCIAL CORP runs the higher net margin — 41.2% vs 27.8%, a 13.4% gap on every dollar of revenue. On growth, UMB FINANCIAL CORP posted the faster year-over-year revenue change (94.3% vs 5.1%). Over the past eight quarters, UMB FINANCIAL CORP's revenue compounded faster (47.7% CAGR vs 4.7%).
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.
U.S. Bancorp is an American multinational banking institution headquartered in Minneapolis, Minnesota and incorporated in Delaware. It is the 5th-largest bank in the United States as of 2025. As the largest bank in the Midwestern United States, it is considered systemically important by the Financial Stability Board. It is the parent company of its primary operating entity, U.S. Bank National Association, which does business as U.S. Bank. The company provides banking, investment, mortgage, tr...
UMBF vs USB — Head-to-Head
Income Statement — Q4 2025 vs Q4 2025
| Metric | | |
|---|---|---|
| Revenue | $522.5M | $7.4B |
| Net Profit | $215.4M | $2.0B |
| Gross Margin | — | — |
| Operating Margin | 51.7% | 34.4% |
| Net Margin | 41.2% | 27.8% |
| Revenue YoY | 94.3% | 5.1% |
| Net Profit YoY | 79.5% | 23.0% |
| EPS (diluted) | $2.90 | $1.26 |
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 | $7.4B | ||
| Q3 25 | $475.0M | $7.3B | ||
| Q2 25 | $467.0M | $7.0B | ||
| Q1 25 | $397.6M | $7.0B | ||
| Q4 24 | $269.0M | $7.0B | ||
| Q3 24 | $247.4M | $6.9B | ||
| Q2 24 | $245.1M | $6.9B | ||
| Q1 24 | $239.4M | $6.7B |
| Q4 25 | $215.4M | $2.0B | ||
| Q3 25 | $188.3M | $2.0B | ||
| Q2 25 | $217.4M | $1.8B | ||
| Q1 25 | $81.3M | $1.7B | ||
| Q4 24 | $120.0M | $1.7B | ||
| Q3 24 | $109.6M | $1.7B | ||
| Q2 24 | $101.3M | $1.6B | ||
| Q1 24 | $110.3M | $1.3B |
| Q4 25 | 51.7% | 34.4% | ||
| Q3 25 | 49.8% | 34.5% | ||
| Q2 25 | 58.9% | 32.7% | ||
| Q1 25 | 23.4% | 31.0% | ||
| Q4 24 | 53.8% | 30.1% | ||
| Q3 24 | 54.8% | 30.2% | ||
| Q2 24 | 51.8% | 29.9% | ||
| Q1 24 | 55.9% | 24.9% |
| Q4 25 | 41.2% | 27.8% | ||
| Q3 25 | 39.6% | 27.3% | ||
| Q2 25 | 46.5% | 25.9% | ||
| Q1 25 | 20.5% | 24.6% | ||
| Q4 24 | 44.6% | 23.7% | ||
| Q3 24 | 44.3% | 25.0% | ||
| Q2 24 | 41.3% | 23.3% | ||
| Q1 24 | 46.0% | 19.6% |
| Q4 25 | $2.90 | $1.26 | ||
| Q3 25 | $2.36 | $1.22 | ||
| Q2 25 | $2.82 | $1.11 | ||
| Q1 25 | $1.21 | $1.03 | ||
| Q4 24 | $2.44 | $1.01 | ||
| Q3 24 | $2.23 | $1.03 | ||
| Q2 24 | $2.07 | $0.97 | ||
| Q1 24 | $2.25 | $0.78 |
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 | $474.2M | — |
| Stockholders' EquityBook value | $7.7B | $65.2B |
| Total Assets | $73.1B | $692.3B |
| Debt / EquityLower = less leverage | 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 | $471.3M | — | ||
| Q2 25 | $657.3M | — | ||
| Q1 25 | $654.4M | — | ||
| Q4 24 | $385.3M | — | ||
| Q3 24 | $384.8M | — | ||
| Q2 24 | $384.2M | — | ||
| Q1 24 | $383.7M | — |
| Q4 25 | $7.7B | $65.2B | ||
| Q3 25 | $7.4B | $63.3B | ||
| Q2 25 | $7.3B | $61.4B | ||
| Q1 25 | $6.7B | $60.1B | ||
| Q4 24 | $3.5B | $58.6B | ||
| Q3 24 | $3.5B | $58.9B | ||
| Q2 24 | $3.2B | $56.4B | ||
| Q1 24 | $3.2B | $55.6B |
| Q4 25 | $73.1B | $692.3B | ||
| Q3 25 | $71.9B | $695.4B | ||
| Q2 25 | $71.8B | $686.4B | ||
| Q1 25 | $69.3B | $676.5B | ||
| Q4 24 | $50.4B | $678.3B | ||
| Q3 24 | $47.5B | $686.5B | ||
| Q2 24 | $44.5B | $680.1B | ||
| Q1 24 | $45.3B | $683.6B |
| Q4 25 | 0.06× | — | ||
| Q3 25 | 0.06× | — | ||
| Q2 25 | 0.09× | — | ||
| Q1 25 | 0.10× | — | ||
| Q4 24 | 0.11× | — | ||
| Q3 24 | 0.11× | — | ||
| Q2 24 | 0.12× | — | ||
| Q1 24 | 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 | $106.1M | $2.8B |
| Free Cash FlowOCF − Capex | $95.3M | — |
| FCF MarginFCF / Revenue | 18.2% | — |
| Capex IntensityCapex / Revenue | 2.1% | — |
| Cash ConversionOCF / Net Profit | 0.49× | 1.39× |
| TTM Free Cash FlowTrailing 4 quarters | $978.1M | — |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | $106.1M | $2.8B | ||
| Q3 25 | $272.2M | $3.4B | ||
| Q2 25 | $285.4M | $2.0B | ||
| Q1 25 | $363.0M | $-285.0M | ||
| Q4 24 | $-66.9M | $4.8B | ||
| Q3 24 | $123.6M | $972.0M | ||
| Q2 24 | $112.4M | $2.9B | ||
| Q1 24 | $56.1M | $2.7B |
| 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× | 1.39× | ||
| Q3 25 | 1.45× | 1.69× | ||
| Q2 25 | 1.31× | 1.12× | ||
| Q1 25 | 4.46× | -0.17× | ||
| Q4 24 | -0.56× | 2.87× | ||
| Q3 24 | 1.13× | 0.57× | ||
| Q2 24 | 1.11× | 1.79× | ||
| Q1 24 | 0.51× | 2.02× |
Financial Flow Comparison
Revenue → gross profit → operating profit → net profit for each company.
Revenue Breakdown by Segment
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% |
USB
Segment breakdown not available.
