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UMB Financial UMBF Commercial Banking — Allocated Technology Service Overhead

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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 umbf:AllocatedTechnologyServiceOverhead.

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 itemCommercial BankingInstitutional BankingPersonal BankingTotal
Processing fees4,32810,5794,79919,706
Bankcard2,8336,3182,67511,826
Amortization of other intangible assets1,972752,047
Allocated technology, service, overhead93,13738,82946,016177,982
Other segment items*14,97811,50215,90542,385
Noninterest expense169,253122,527107,853399,633
Income before taxes220,52885,08544,784350,397
Income tax expense45,83517,6849,30872,827

ITEM 1. FINANCIAL STATEMENTS

FAQ

What is UMB Financial's commercial banking — allocated technology service overhead?
UMB Financial (UMBF) reported commercial banking — allocated technology service overhead of $93.14M in Q2 2026.
How has UMB Financial's commercial banking — allocated technology service overhead changed year-over-year?
UMB Financial's commercial banking — allocated technology service overhead decreased by 2.1% year-over-year, from $95.11M to $93.14M.
What is the long-term trend for UMB Financial's commercial banking — allocated technology service overhead?
Over 3 years (2022 to 2025), UMB Financial's commercial banking — allocated technology service overhead has grown at a 31.2% compound annual growth rate (CAGR), from $186.77M to $421.53M.
What does commercial banking — allocated technology service overhead mean?
This represents the portion of the company's total technology and IT infrastructure costs that is allocated to the commercial banking segment. It covers the maintenance, development, and support of the digital platforms and systems used to deliver banking services.

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