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UMB Financial UMBF Service Charges On Deposit Accounts

Service Charges On Deposit Accounts at other companies

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$1.39M+6.5%

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 umbf:ServiceChargesOnDepositAccounts.

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
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
Insurance fees and commissions207189462367
Brokerage fees25,40020,52546,48938,627
Bankcard fees29,95429,01858,83255,311
Investment securities gains, net27,08737,68530,13332,903

ITEM 1. FINANCIAL STATEMENTS

FAQ

What is UMB Financial's service charges on deposit accounts?
UMB Financial (UMBF) reported service charges on deposit accounts of $29.59M in Q2 2026.
How has UMB Financial's service charges on deposit accounts changed year-over-year?
UMB Financial's service charges on deposit accounts increased by 2.5% year-over-year, from $28.87M to $29.59M.
What is the long-term trend for UMB Financial's service charges on deposit accounts?
Over 4 years (2021 to 2025), UMB Financial's service charges on deposit accounts has grown at a 7.1% compound annual growth rate (CAGR), from $86.06M to $113.21M.
What does service charges on deposit accounts mean?
This reflects recurring fee income derived from maintaining customer deposit accounts, including overdraft fees, maintenance charges, and transaction-related service fees. It is a stable source of noninterest income that leverages the bank's existing retail and commercial customer base.

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