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UMB Financial UMBF Q1 2026 earnings

Reported April 28, 2026 · After market close

Revenue$739.2MBeat by $37.4M
EPS$3.41Beat by $0.59
Revenue estimate$701.8M
EPS estimate$2.82

Next report

Oct 27, 2026 (in 3 months)
Revenue estimate$740.4M
EPS estimate$3.16

Financials

Q1 2026

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 & ratios

Valuation

as of 03/31/26
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Market cap$8.59B+16.9%
Enterprise value$9.06B+13.3%
P/E9.7×-8.1×
P/S3×-1.1×

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×

Segments

By product

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Fiduciary And Trust$94.7M+18.7%
Credit Card$41.1M+7.8%
Deposit Account$29.4M+7.4%
Brokerage Fees$21.1M+16.5%
Other Financial Services$2.7M0.0%

By segment

See full
Institutional Banking$111.3M+16.3%
Commercial Banking$44.2M+9.1%
Personal Banking$33.8M+11.5%

Versus estimates

Revenue

Q2 2026$778.0MBeat by $50.4M
Q1 2026$739.2MBeat by $37.4M
Q4 2025$720.9MBeat by $43.1MQ3 2025$1.1BBeat by $425.8MQ2 2025$633.2MMiss by $18.8MQ1 2025$510.2MMiss by $48.8M

Diluted EPS

Q2 2026$3.57Beat by $0.45
Q1 2026$3.41Beat by $0.59
Q4 2025$3.08Beat by $0.37Q3 2025$2.70Beat by $0.20Q2 2025$2.96Beat by $0.59Q1 2025$2.58Beat by $0.39

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Questions, answered.

When did UMB Financial report Q1 2026 earnings?
UMB Financial (UMBF) reported Q1 2026 earnings on April 28, 2026 after market close.
What were UMB Financial's Q1 2026 revenue and EPS?
UMB Financial reported revenue of $739.2M and eps of $3.41 for Q1 2026.
Did UMB Financial beat estimates in Q1 2026?
Revenue beat the consensus estimate of $701.8M by $37.4M. EPS beat the consensus estimate of $2.82 by $0.59.
How did UMB Financial's Q1 2026 results compare year-over-year?
Compared to the same quarter a year prior, revenue grew 44.9% from $510.2M a year earlier and eps grew 32.2% from $2.58.
Where can I find UMB Financial's Q1 2026 SEC filings?
You can read the 8-K earnings release (0001193125-26-186932) and the 10-Q periodic report (0001193125-26-194310) directly on SEC EDGAR. The filing index links above go to sec.gov.