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UMB Financial UMBF Occupancy and equipment

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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

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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:OccupancyNet.

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 noninterest income245,505222,185450,298388,383
NONINTEREST EXPENSE
Salaries and employee benefits227,162213,551446,843434,949
Occupancy, net19,27718,57138,35234,640
Equipment13,94216,42627,26233,374
Supplies and services5,5046,38311,10811,168
Marketing and business development13,91611,34427,70819,342
Processing fees43,07343,63885,13284,488

ITEM 1. FINANCIAL STATEMENTS

FAQ

What is UMB Financial's occupancy and equipment?
UMB Financial (UMBF) reported occupancy and equipment of $19.28M in Q2 2026.
How has UMB Financial's occupancy and equipment changed year-over-year?
UMB Financial's occupancy and equipment increased by 3.8% year-over-year, from $18.57M to $19.28M.
What is the long-term trend for UMB Financial's occupancy and equipment?
Over 4 years (2021 to 2025), UMB Financial's occupancy and equipment has grown at a 11.7% compound annual growth rate (CAGR), from $47.35M to $73.72M.
What does occupancy and equipment mean?
Costs for office and branch facilities (rent, utilities, maintenance) and equipment (depreciation, repairs, technology hardware) used in operations.

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