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UMB Financial UMBF Personal Banking — Interest Income Expense Net

Other segment segments

Commercial Banking
$362.58M+12.4%
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 personal banking — interest income expense net?
UMB Financial (UMBF) reported personal banking — interest income expense net of $90.9M in Q2 2026.
How has UMB Financial's personal banking — interest income expense net changed year-over-year?
UMB Financial's personal banking — interest income expense net increased by 16.4% year-over-year, from $78.07M to $90.9M.
What is the long-term trend for UMB Financial's personal banking — interest income expense net?
Over 4 years (2021 to 2025), UMB Financial's personal banking — interest income expense net has grown at a 16.3% compound annual growth rate (CAGR), from $171.2M to $312.75M.
What does personal banking — interest income expense net mean?
The net result of interest earned on consumer loans and investments minus the interest paid on deposits and other funding sources within the personal banking segment. This is a primary indicator of the segment's core net interest margin and profitability from traditional banking activities.

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