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UMB Financial UMBF Provision for Credit Losses

Provision for Credit Losses at other companies

Webster Financial Corporation logo
Webster Financial CorporationWBS
$54M-30.3%
Old National Bancorp logo
Old National BancorpONB
$34.95M+11.3%
Regions Financial logo
Regions FinancialRF
$91M-26.6%
U.S. Bancorp logo
U.S. BancorpUSB
$576M+7.3%
KeyCorp logo
KeyCorpKEY
$106M-10.2%
Huntington Bancshares logo
Huntington BancsharesHBAN

Segments

By segment

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Commercial Banking$23.78M-64.4%
Personal Banking$2.73M-85.5%
Institutional Banking$497K+14.3%

Other financials

Income statement

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Revenue$739.2M+31.1%
Net income$261.4M+221%
EPS (diluted)$3.35+177%

Balance sheet

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Total debt$477.2M-27.1%
Total equity$7.8B+16.0%
Total assets$72.7B+4.8%

Cash flow

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Operating cash flow$361.3M-0.5%
CapEx$4.5M-48.8%
Free cash flow$356.8M+0.7%

Valuation

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Market cap$10.11B+16.9%
P/E11.5×-9.5×
P/S3.6×-1.2×

Profitability

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Net margin31.2%+8.2pp
FCF margin34.7%

Returns & leverage

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Return on equity12.1%+3.8pp
Debt / equity0.1×0.0×

Where this comes from

Reported directly by UMB Financial in its filing.

Tagged under the XBRL concept us-gaap:ProvisionForLoanLeaseAndOtherLosses.

The official record: UMB Financial’s 10-Q, filed April 30, 2026, on SEC EDGAR. View the filing →

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Questions, answered.

What is UMB Financial's provision for credit losses?
UMB Financial (UMBF) reported provision for credit losses of $27M in Q1 2026.
How has UMB Financial's provision for credit losses changed year-over-year?
UMB Financial's provision for credit losses decreased by 68.6% year-over-year, from $86M to $27M.
What is the long-term trend for UMB Financial's provision for credit losses?
Over 4 years (2021 to 2025), UMB Financial's provision for credit losses has grown at a 66.7% compound annual growth rate (CAGR), from $20M to $154.5M.
What does provision for credit losses mean?
The amount of money a bank sets aside to cover potential losses from loans that may not be repaid.
How do you interpret provision for credit losses?
An increase suggests management expects higher credit risk or deteriorating economic conditions, while a decrease may signal improved borrower health or a more optimistic outlook.
How does provision for credit losses compare across companies?
Varies significantly based on the bank's loan mix and the current credit cycle compared to regional and national peers.