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UMB Financial UMBF Personal Banking — Allocated Technology Service Overhead

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Other financials

Income statement

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Revenue$739.2M+31.1%
Net income$261.4M+221%
EPS (diluted)$3.35+177%

Balance sheet

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Total debt$477.2M-27.1%
Total equity$7.8B+16.0%
Total assets$72.7B+4.8%

Cash flow

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Operating cash flow$361.3M-0.5%
CapEx$4.5M-48.8%
Free cash flow$356.8M+0.7%

Valuation

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Market cap$10.11B+16.9%
P/E11.5×-9.5×
P/S3.6×-1.2×

Profitability

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Net margin31.2%+8.2pp
FCF margin34.7%—

Returns & leverage

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Return on equity12.1%+3.8pp
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 official record: UMB Financial’s 10-Q, filed April 30, 2026, on SEC EDGAR. View the filing →

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Questions, answered.

What is UMB Financial's personal banking — allocated technology service overhead?
UMB Financial (UMBF) reported personal banking — allocated technology service overhead of $44.4M in Q1 2026.
How has UMB Financial's personal banking — allocated technology service overhead changed year-over-year?
UMB Financial's personal banking — allocated technology service overhead decreased by 15.4% year-over-year, from $52.46M to $44.4M.
What is the long-term trend for UMB Financial's personal banking — allocated technology service overhead?
Over 3 years (2022 to 2025), UMB Financial's personal banking — allocated technology service overhead has grown at a 25.6% compound annual growth rate (CAGR), from $111.35M to $220.72M.
What does personal banking — allocated technology service overhead mean?
The portion of the enterprise-wide technology and IT infrastructure costs allocated to the personal banking segment. This covers the maintenance and development of banking platforms, cybersecurity, and digital infrastructure used by the segment.