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UMB Financial (UMBF) earnings and revenue breakdown
Latest: Q3 2026 · 10-Q filed Oct 29, 2026 · UMB Financial (UMBF) Q3 2026 earnings results →
Q3 2026 Revenue up 14% year over year to $772M · 36¢ of every $1 of revenue kept as net profit · operating margin 44.3%
UMB Financial made $772M in Q3 2026 (+14% Y/Y): Net interest income $540M, Noninterest income $232M. Operating margin 44.3%, net earnings $278M. See where every dollar goes — costs, profit and cash — as a Sankey from the 10-Q filed Oct 29, 2026.
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What changed this quarter
Revenue was $772.4M in Q3 2026, up 14% year over year and down 1% from the previous quarter. Net interest income was the largest line at 70% of revenue. Net interest income added $65.0M year over year (up 14%), 69% of the total change.
Operating profit was $341.9M, a 44.3% margin (up 9.4 points year over year). Of the extra revenue versus a year earlier, 112% reached operating profit, above the 35% margin then. Total costs fell 3% while revenue rose 14%. The fastest-growing cost line was Credit loss provision (+38%). Net earnings were $278.1M, up 48% year over year. The effective tax rate was 18.7%.
Operating cash flow was $370.4M (up 36% year over year), 133% of net earnings. Non-cash charges added back $34.7M of depreciation and amortization and $9.3M of share-based compensation. Working capital and other items added $48.4M. Capital expenditures of $11.6M left free cash flow of $358.9M.
Quarterly history
| Quarter | Form | Filed | Revenue | Y/Y | Op. margin | Net earnings | Op. cash flow |
|---|---|---|---|---|---|---|---|
| Q3 2026 | 10-Q | Oct 29, 2026 | $772M | +14% | 44.3% | $278M | $370M |
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💵Where each $1 goesinteractive
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🌏Named in Asian annual reportsinteractive
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🔄Rotation against the market and its industry (RRG)interactive
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🔍Earnings qualityinteractive
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⚖️Fair value by methodinteractive
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🔭Outlook & guidanceinteractive
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📈Investments: gains and what it boughtinteractive
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About UMB Financial
UMB Financial Corporation (Nasdaq: UMBF) is a financial services company headquartered in Kansas City, Mo. UMB offers commercial banking, which includes comprehensive deposit, lending, investment and retirement plan services; personal banking, which includes comprehensive deposit, lending, wealth management and financial planning services; and institutional banking, which includes asset servicing, corporate trust solutions, investment banking and healthcare services. UMB operates branches throughout Missouri, Arizona, California, Colorado, Iowa, Kansas, Illinois, Minnesota, Nebraska, New Mexico, Oklahoma, Texas, Utah, and Wisconsin. As the company’s reach continues to grow, it also serves business clients nationwide and institutional clients in several countries. For more information, visit UMB.com , UMB Blog , UMB Facebook and UMB LinkedIn .
In its own words, from its 8-K, filed Jul 28, 2026.
UMB Financial against its National Commercial Banks peers
The largest companies of the same SEC industry, each at its latest quarter. Revenue growth: +14% against the peers' median +8%. Operating margin: 44.3% against the peers' median 32.5%.
| Company | Quarter | Revenue | Y/Y | Op. margin |
|---|---|---|---|---|
| UMBF UMB Financial | Q3 2026 | $772M | +14% | 44.3% |
| JPM JPMorgan Chase | Q3 2026 | $50.2B | +8% | 40.1% |
| BAC Bank of America | Q3 2026 | $30.0B | +3% | 29.9% |
| C Citigroup | Q3 2026 | $23.8B | +8% | 30.6% |
| WFC Wells Fargo | Q3 2026 | $21.9B | +2% | 32.5% |
| COF Capital One Financial | Q3 2026 | $16.3B | +6% | 28.0% |
| USB US Bancorp | Q3 2026 | $8.0B | +9% | 35.1% |
| PNC PNC Financial Services Group | Q3 2026 | $6.6B | +11% | 40.0% |
| TFC Truist Financial | Q3 2026 | $3.7B | -28% | 23.9% |
Source: UMB Financial 10-Q on SEC EDGAR · CIK 101382 · National Commercial Banks
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Every quarter: Q3 2026 results