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UMB Financial UMBF Commercial Banking — Net Income Loss

Other segment segments

Institutional Banking
$67.4M+24.0%
Personal Banking
$35.48M+52.5%

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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:NetIncomeLoss.

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
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
Net income$174,693$67,401$35,476$277,570
Average assets$35,374,000$21,070,000$13,963,000$70,407,000

ITEM 1. FINANCIAL STATEMENTS

FAQ

What is UMB Financial's commercial banking — net income loss?
UMB Financial (UMBF) reported commercial banking — net income loss of $174.69M in Q2 2026.
How has UMB Financial's commercial banking — net income loss changed year-over-year?
UMB Financial's commercial banking — net income loss increased by 25.0% year-over-year, from $139.79M to $174.69M.
What is the long-term trend for UMB Financial's commercial banking — net income loss?
Over 4 years (2021 to 2025), UMB Financial's commercial banking — net income loss has grown at a 16.0% compound annual growth rate (CAGR), from $274.68M to $497.48M.
What does commercial banking — net income loss mean?
This represents the final bottom-line profitability of the commercial banking segment after all operating expenses, interest expenses, provisions for credit losses, and taxes have been deducted. It is the primary measure of the segment's contribution to the overall company's net earnings.

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