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UMB Financial UMBF Q2 2026 earnings

Reported July 28, 2026 · After market close

Revenue$778.0MBeat by $50.4M
EPS$3.57Beat by $0.45
Revenue estimate$727.6M
EPS estimate$3.12
“Loan growth averaged 12.6% on a linked-quarter annualized basis, driven in large part by continued strength in our commercial and industrial (C&I) lending segments. Average loans exceeded $40 billion for the first time in our history, ending the quarter at $41.1 billion. During the quarter, we also reached a new record for total gross loan production of $2.6 billion, compared to $2.3 billion in the prior quarter. Average C&I loan balances increased 21.6% on a linked-quarter annualized basis to $17.5 billion. At the same time, our net charge-offs averaged a modest 16 basis points of loans, compared to 19 basis points in the prior quarter, while nonperforming loans declined 15.7% from March 31, 2026, to $127.5 million, or 31 basis points of total loans.”
Mariner Kemper

Next report

Oct 27, 2026 (In 3 weeks)
Revenue estimate$741.6M
EPS estimate$3.21

Financials

Q2 2026

Income statement

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Revenue$778.0M+12.9%
Net income$277.6M+27.7%
EPS (diluted)$3.56+26.2%

Balance sheet

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Total debt$480.1M-27.0%
Total equity$8.0B+10.2%
Total assets$72.3B+0.7%

Cash flow

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Operating cash flow$349.3M+22.4%
CapEx$18.5M+26.4%
Free cash flow$330.8M+22.2%

Valuation & ratios

Valuation

as of 10/02/26
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Market cap$9.86B+9.7%
P/E10.5×-4.3×
P/S3.4×-0.4×

Profitability

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Net margin32.3%+7.1pp
FCF margin35.7%—

Returns & leverage

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Return on equity12.3%+2.3pp
Debt / equity0.1×0.0×

Segments

By product

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Fiduciary And Trust$98.3M+18.1%
Credit Card$43.5M+1.7%
Deposit Account$29.6M+2.5%
Brokerage Fees$25.4M+23.8%
Other Financial Services$5.0M+28.4%

By segment

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Institutional Banking$119.3M+20.0%
Commercial Banking$48.3M+3.8%
Personal Banking$34.4M+2.6%

FAQ

When did UMB Financial report Q2 2026 earnings?
UMB Financial (UMBF) reported Q2 2026 earnings on July 28, 2026 after market close.
What were UMB Financial's Q2 2026 revenue and EPS?
UMB Financial reported revenue of $778.0M and eps of $3.57 for Q2 2026.
Did UMB Financial beat estimates in Q2 2026?
Revenue beat the consensus estimate of $727.6M by $50.4M. EPS beat the consensus estimate of $3.12 by $0.45.
How did UMB Financial's Q2 2026 results compare year-over-year?
Compared to the same quarter a year prior, revenue grew 22.9% from $633.2M a year earlier and eps grew 20.6% from $2.96.
Where can I find UMB Financial's Q2 2026 SEC filings?
You can read the 8-K earnings release (0001193125-26-320980) and the 10-Q periodic report (0001193125-26-325054) directly on SEC EDGAR. The filing index links above go to sec.gov.