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UMB Financial UMBF Commercial Banking — Interest Income Expense Net

Other segment segments

Personal Banking
$90.9M+16.4%
Institutional Banking
$79.05M+19.2%

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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 us-gaap:InterestIncomeExpenseNet.

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
Net interest income$362,575$79,048$90,902$532,525
Provision for credit losses24,7336272,64028,000
Noninterest income51,939129,19164,375245,505
Salaries and employee benefits53,97753,32738,383145,687
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

ITEM 1. FINANCIAL STATEMENTS

FAQ

What is UMB Financial's commercial banking — interest income expense net?
UMB Financial (UMBF) reported commercial banking — interest income expense net of $362.58M in Q2 2026.
How has UMB Financial's commercial banking — interest income expense net changed year-over-year?
UMB Financial's commercial banking — interest income expense net increased by 12.4% year-over-year, from $322.62M to $362.58M.
What is the long-term trend for UMB Financial's commercial banking — interest income expense net?
Over 4 years (2021 to 2025), UMB Financial's commercial banking — interest income expense net has grown at a 23.4% compound annual growth rate (CAGR), from $556.67M to $1.29B.
What does commercial banking — interest income expense net mean?
This is the net interest income generated by the commercial banking segment, calculated as the difference between interest earned on loans and investments and the interest paid on deposits and borrowings. It serves as the primary measure of the segment's core profitability from its lending and deposit-taking activities.

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