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UMB Financial UMBF Net Interest Income (After Provisions)

Net Interest Income (After Provisions) at other companies

Commerce Bancshares logo
Commerce BancsharesCBSH
$306.35M+11.6%
BOK Financial logo
BOK FinancialBOKF
$351.83M+7.2%
International Bancshares logo
International BancsharesIBOC
$160M-1.9%
BankUnited logo
BankUnitedBKU
$239.77M+4.1%
Customers Bancorp logo
Customers BancorpCUBI
$170.3M+9.2%
First Business Financial Services logo
First Business Financial ServicesFBIZ
$32.56M+6.4%

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$11.02B+32.0%
P/E11.7×-4.1×
P/S3.8×-0.2×

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×

Where this comes from

Reported directly by UMB Financial in its filing.

Tagged under the XBRL concept us-gaap:InterestIncomeExpenseAfterProvisionForLoanLoss.

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 itemThree Months Ended / June 30, 2026Three Months Ended / June 30, 2025Six Months Ended / June 30, 2026Six Months Ended / June 30, 2025
Total interest expense338,841383,513671,542723,844
Net interest income532,525467,0241,066,891864,663
Provision for credit losses28,00021,00055,000107,000
Net interest income after provision for credit losses504,525446,0241,011,891757,663
NONINTEREST INCOME
Trust and securities processing98,29583,263192,962163,044
Trading and investment banking5,3146,17013,05412,081
Service charges on deposit accounts29,58828,86559,06256,322

ITEM 1. FINANCIAL STATEMENTS

FAQ

What is UMB Financial's net interest income (after provisions)?
UMB Financial (UMBF) reported net interest income (after provisions) of $504.53M in Q2 2026.
How has UMB Financial's net interest income (after provisions) changed year-over-year?
UMB Financial's net interest income (after provisions) increased by 13.1% year-over-year, from $446.02M to $504.53M.
What is the long-term trend for UMB Financial's net interest income (after provisions)?
Over 4 years (2021 to 2025), UMB Financial's net interest income (after provisions) has grown at a 21.0% compound annual growth rate (CAGR), from $795.52M to $1.71B.
What does net interest income (after provisions) mean?
This metric measures the core profitability of a bank's lending and deposit-taking activities after accounting for the expected costs of credit defaults. It provides a clearer view of sustainable earnings by subtracting the provision for loan losses from the net interest margin generated.

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