Filing Flows › UMB Financial (UMBF) › Q3 2026 › vs Q3 2025
UMB Financial (UMBF) Q3 2026 vs Q3 2025 (year over year)
UMB Financial's revenue rose $94.0M (+14%) from $678M in Q3 2025 to $772M in Q3 2026. The biggest changes: Net interest income +$65.0M (+14%); Noninterest income +$29.1M (+14%). Operating margin 44.3% against 34.9% (+9.4 pts).
UMB Financial, Q3 2026: revenue $772M (+14% year over year), operating margin 44.3%, net earnings $278M, operating cash flow $370M. The chart draws each line against Q3 2025, the increases inside each band.
Margins
| Q3 2026 | Q3 2025 | Change | |
|---|---|---|---|
| Operating margin | 44.3% | 34.9% | +9.4 pts |
| Net margin | 36.0% | 27.8% | +8.2 pts |
| Free cash flow margin | 46.5% | 38.0% | +8.5 pts |
Every line
| Line | Q3 2026 | Q3 2025 | Change | % |
|---|---|---|---|---|
| Net interest income | $540M | $475M | $65.0M | +14% |
| Noninterest income | $232M | $203M | $29.1M | +14% |
| Revenue | $772M | $678M | $94.0M | +14% |
| Operating profit | $342M | $237M | $105M | +45% |
| Costs & expenses | $430M | $442M | −$11.3M | -3% |
| Pre-tax earnings | $342M | $237M | $105M | +45% |
| Credit loss provision | $31.0M | $22.5M | $8.5M | +38% |
| Noninterest expense | $399M | $419M | −$19.8M | -5% |
| Net earnings | $278M | $188M | $89.8M | +48% |
| Income tax | $63.8M | $48.2M | $15.6M | +32% |
| Depreciation & amortization | $34.7M | $37.0M | −$2.3M | -6% |
| Share-based compensation | $9.3M | $7.7M | $1.5M | +20% |
| Working capital & other | $48.4M | $39.2M | $9.3M | +24% |
| Operating cash flow | $370M | $272M | $98.2M | +36% |
| Free cash flow (OCF − capex) | $359M | $258M | $101M | +39% |
| Capital expenditures | $11.6M | $14.4M | −$2.8M | -20% |
Questions
How much did UMB Financial's revenue grow year over year in Q3 2026?
UMB Financial's revenue rose $94.0M (+14%) from $678M in Q3 2025 to $772M in Q3 2026.
What drove UMB Financial's revenue change in Q3 2026?
Net interest income +$65.0M (+14%); Noninterest income +$29.1M (+14%).