What is UMB Financial's pre-tax income?

UMB Financial (UMBF) reported pre-tax income of $350.4M in Q2 2026.

How has UMB Financial's pre-tax income changed year-over-year?

UMB Financial's pre-tax income increased by 27.4% year-over-year, from $275.04M to $350.4M.

What is the long-term trend for UMB Financial's pre-tax income?

Over 4 years (2021 to 2025), UMB Financial's pre-tax income has grown at a 19.5% compound annual growth rate (CAGR), from $429.06M to $874.96M.

What does pre-tax income mean?

Total income from all sources — operating income plus non-operating items like interest income, investment gains, and other income — before the provision for income taxes.

UMB Financial (UMBF) Pre-Tax Income

Screener

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$1.39B+56.2%

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$227.72M+26.0%

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$89.45M+13.4%

Segments

By segment

See full

Commercial Banking$220.53M+24.7%

Institutional Banking$85.09M+23.7%

Personal Banking$44.78M+52.2%

Other financials

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

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Market cap$11.15B+33.5%

P/E11.8×-4.0×

P/S3.8×-0.2×

Profitability

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Net margin32.3%+7.1pp

FCF margin35.7%—

Returns & leverage

See full

Return on equity12.3%+2.3pp

Debt / equity0.1×0.0×

Where this comes from

Reported directly by UMB Financial in its filing.

Tagged under the XBRL concept us-gaap:IncomeLossFromContinuingOperationsBeforeIncomeTaxesExtraordinaryItemsNoncontrollingInterest.

The source filing: UMB Financial’s 10-Q, filed July 30, 2026.

Filed: Jul 30, 2026, 9:01 AM EDT
Fiscal quarter: Q2 FY2026
Calendar quarter: Q2 2026
Accession: 0001193125-26-325054

Line item	Three Months Ended / June 30, 2026	Three Months Ended / June 30, 2025	Six Months Ended / June 30, 2026	Six Months Ended / June 30, 2025
Regulatory fees	9,097	9,259	17,367	17,496
Other	17,914	17,897	32,608	27,516
Total noninterest expense	399,633	393,168	780,516	777,955
Income before income taxes	350,397	275,041	681,673	368,091
Income tax expense	72,827	57,647	142,665	69,364
NET INCOME	$277,570	$217,394	$539,008	$298,727
Less: Preferred dividends	5,812	2,012	11,625	4,025
NET INCOME AVAILABLE TO COMMON SHAREHOLDERS	$271,758	$215,382	$527,383	$294,702

ITEM 1. FINANCIAL STATEMENTS

FAQ

What is UMB Financial's pre-tax income?: UMB Financial (UMBF) reported pre-tax income of $350.4M in Q2 2026.
How has UMB Financial's pre-tax income changed year-over-year?: UMB Financial's pre-tax income increased by 27.4% year-over-year, from $275.04M to $350.4M.
What is the long-term trend for UMB Financial's pre-tax income?: Over 4 years (2021 to 2025), UMB Financial's pre-tax income has grown at a 19.5% compound annual growth rate (CAGR), from $429.06M to $874.96M.
What does pre-tax income mean?: Total income from all sources — operating income plus non-operating items like interest income, investment gains, and other income — before the provision for income taxes.

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UMB Financial UMBF Pre-Tax Income

Pre-Tax Income at other companies

Segments

By segment

Other financials

Income statement

Balance sheet

Cash flow

Valuation

Profitability

Returns & leverage

Where this comes from

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