Filing Flows › UMB Financial (UMBF) › Q3 2026
UMB Financial (UMBF) Q3 2026 earnings results (third quarter 2026)
10-Q filed Oct 29, 2026
UMB Financial (UMBF) reported revenue of $772M for the third quarter 2026 (Q3 2026), +14% from a year earlier and -0.7% from the quarter before. Operating margin was 44.3%, net earnings $278M (36.0% of revenue).
UMB Financial, Q3 2026: revenue $772M (+14% year over year), operating margin 44.3%, net earnings $278M, operating cash flow $370M. The chart follows the revenue to costs, profit and cash.
| Q3 2026 | Amount | Q/Q | Y/Y |
|---|---|---|---|
| Revenue | $772M | -0.7% | +14% |
| Operating profit | $342M | -2% | +45% |
| Net earnings | $278M | +0.2% | +48% |
| Operating cash flow | $370M | +6% | +36% |
| Free cash flow | $359M | +8% | +39% |
What changed
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.
Questions
What was UMB Financial's revenue in the third quarter 2026?
UMB Financial (UMBF) reported revenue of $772M for the third quarter 2026 (Q3 2026), +14% from a year earlier and -0.7% from the quarter before.
Was UMB Financial profitable in the third quarter 2026?
Operating profit was $342M (44.3% of revenue) and net earnings $278M.
Source: UMB Financial 10-Q on SEC EDGAR.