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UMB Financial UMBF Regulatory Assessments

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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+32.0%
P/E11.8×-4.2×
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 umbf:RegulatoryAssessments.

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
Legal and consulting14,41518,46823,50247,074
Bankcard11,87312,36323,71425,158
Amortization of other intangible assets23,46025,26846,92042,750
Regulatory fees9,0979,25917,36717,496
Other17,91417,89732,60827,516
Total noninterest expense399,633393,168780,516777,955
Income before income taxes350,397275,041681,673368,091
Income tax expense72,82757,647142,66569,364

ITEM 1. FINANCIAL STATEMENTS

FAQ

What is UMB Financial's regulatory assessments?
UMB Financial (UMBF) reported regulatory assessments of $9.1M in Q2 2026.
How has UMB Financial's regulatory assessments changed year-over-year?
UMB Financial's regulatory assessments decreased by 1.7% year-over-year, from $9.26M to $9.1M.
What is the long-term trend for UMB Financial's regulatory assessments?
Over 4 years (2021 to 2025), UMB Financial's regulatory assessments has grown at a 24.7% compound annual growth rate (CAGR), from $11.89M to $28.75M.
What does regulatory assessments mean?
This metric represents mandatory fees and assessments paid to government regulatory bodies, such as the FDIC, to support the oversight and stability of the financial system. These are non-discretionary costs of operating as a regulated bank.

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