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UMB Financial UMBF Provision for Credit Losses

Provision for Credit Losses at other companies

Commerce Bancshares logo
Commerce BancsharesCBSH
$8.73M+56.0%
BOK Financial logo
BOK FinancialBOKF
$0
International Bancshares logo
International BancsharesIBOC
$11.11M+153%
BankUnited logo
BankUnitedBKU
$15.1M-3.8%
Customers Bancorp logo
Customers BancorpCUBI
$23.07M+1,342%
First Business Financial Services logo
First Business Financial ServicesFBIZ
$2.33M-38.8%

Segments

By segment

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Commercial Banking$24.73M+34.9%
Personal Banking$2.64M+18.1%
Institutional Banking$627K+45.8%

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:ProvisionForLoanLeaseAndOtherLosses.

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
Other10,96112,93721,59124,072
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

ITEM 1. FINANCIAL STATEMENTS

FAQ

What is UMB Financial's provision for credit losses?
UMB Financial (UMBF) reported provision for credit losses of $28M in Q2 2026.
How has UMB Financial's provision for credit losses changed year-over-year?
UMB Financial's provision for credit losses increased by 33.3% year-over-year, from $21M to $28M.
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?
Expense recognized to build or adjust allowances for expected credit losses on loans, receivables, and other financial assets, based on forward-looking CECL methodology.

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