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UMB Financial UMBF Commercial Banking — Noninterest Expense Payment Processing

Other segment segments

Institutional Banking
$6.32M+16.5%
Personal Banking
$2.68M-19.7%

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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:NoninterestExpensePaymentProcessing.

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
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
Other segment items*14,97811,50215,90542,385
Noninterest expense169,253122,527107,853399,633

ITEM 1. FINANCIAL STATEMENTS

FAQ

What is UMB Financial's commercial banking — noninterest expense payment processing?
UMB Financial (UMBF) reported commercial banking — noninterest expense payment processing of $2.83M in Q2 2026.
How has UMB Financial's commercial banking — noninterest expense payment processing changed year-over-year?
UMB Financial's commercial banking — noninterest expense payment processing decreased by 21.7% year-over-year, from $3.62M to $2.83M.
What is the long-term trend for UMB Financial's commercial banking — noninterest expense payment processing?
Over 3 years (2022 to 2025), UMB Financial's commercial banking — noninterest expense payment processing has grown at a 25.3% compound annual growth rate (CAGR), from $6.37M to $12.54M.
What does commercial banking — noninterest expense payment processing mean?
This metric tracks the operational costs associated with processing payments, including transaction clearing, settlement, and electronic payment infrastructure. It reflects the segment's investment in the technology and partnerships required to facilitate commercial payment services.

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