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UMB Financial UMBF Institutional 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 institutional banking — allocated technology service overhead?
UMB Financial (UMBF) reported institutional banking — allocated technology service overhead of $38.83M in Q2 2026.
How has UMB Financial's institutional banking — allocated technology service overhead changed year-over-year?
UMB Financial's institutional banking — allocated technology service overhead increased by 21.6% year-over-year, from $31.92M to $38.83M.
What is the long-term trend for UMB Financial's institutional banking — allocated technology service overhead?
Over 3 years (2022 to 2025), UMB Financial's institutional banking — allocated technology service overhead has grown at a 1.1% compound annual growth rate (CAGR), from $126.91M to $131.12M.
What does institutional banking — allocated technology service overhead mean?
The portion of the company's centralized technology and IT infrastructure costs allocated to the institutional banking segment. This represents the segment's share of the enterprise-wide digital and platform investment.

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