UMB Financial Corp 2Q 2026: Revenue $776.1M, EPS $3.56— 10-Q Summary

UMB Financial Corp reported second-quarter 2026 results with revenue of $776.1M and diluted EPS of $3.56, driven by higher net interest income and stronger fee businesses; net income available to common shareholders rose to $271.8M versus $215.4M a year earlier.

Financial Highlights

• Revenue was $776.1M, compared with prior-year quarter components of $467.0M net interest income and $222.2M noninterest income (current quarter: $532.5M NII + $245.5M noninterest).
• Net income was $277.6M, compared with $217.4M in the prior-year quarter; net income available to common shareholders was $271.8M versus $215.4M (YoY change on net to common: 26.9%).
• Diluted EPS was $3.56, compared with $2.82 in the prior-year quarter (26.2% YoY).

Business Highlights

• Net interest income rose to $532.5M, supported by loan and securities growth and favorable deposit repricing; NII increased roughly 14% quarter-over-quarter and about 23% year-to-date.
• Noninterest income benefited from growth in fee businesses — trust, fund services, brokerage and bankcard — lifting noninterest revenue and increasing operating leverage.
• Noninterest expense rose modestly (1.6% Q/Q) while acquisition-related costs declined following the HTLF acquisition, which expanded deposit market share and commercial banking presence in key states.
• Management continues to invest in technology and process efficiency but noted that near-term results may be affected by market volatility.

Original SEC Filing: UMB FINANCIAL CORP [ UMBF ] - 10-Q - Jul. 30, 2026