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Income Overview

Net Income
$271,758K
EPS
$3.56
Unit: Thousand (K) dollars
Income Statement
2026-06-30
2026-03-31
2025-12-31
2025-09-30
Loans
643,995
633,078
528,108*
629,057
Taxable interest
146,593
145,299
90,102*
138,176
Tax-exempt interest
35,181
34,454
31,101*
33,035
Total securities income
181,774
179,753
121,203*
171,211
Federal funds and resell agreements
11,259
16,063
10,057*
9,365
Interest-bearing due from banks
33,950
37,902
58,059*
68,952
Trading securities
388
271
162*
312
Total interest income
871,366
867,067
717,589*
878,897
Deposits
298,927
292,373
247,903*
362,882
Federal funds and repurchase agreements
28,953
29,698
22,808*
28,632
Other
-10,961
-10,630
-9,799*
-12,341
Total interest expense
338,841
332,701
280,510*
403,855
Net interest income
532,525
534,366
437,079*
475,042
Provision for credit losses
28,000
27,000
87,000*
22,500
Net interest income after provision for credit losses
504,525
507,366
350,079*
452,542
Trust and securities processing
98,295
94,667
79,620*
87,926
Trading and investment banking
5,314
7,740
4,227*
7,026
Service charges on deposit accounts
29,588
29,474
25,756*
29,150
Insurance fees and commissions
207
255
-11*
307
Brokerage fees
25,400
21,089
18,182*
20,470
Bankcard fees
29,954
28,878
25,241*
29,561
Investment securities gains, net
27,087
3,046
43,246*
-4,093
Other
29,660
19,644
-16,105*
32,951
Total noninterest income
245,505
204,793
180,156*
203,298
Salaries and employee benefits
227,162
219,681
222,896*
220,329
Occupancy, net
19,277
19,075
16,275*
19,149
Equipment
13,942
13,320
15,226*
16,563
Supplies and services
5,504
5,604
-2,973*
10,492
Marketing and business development
13,916
13,792
12,400*
11,094
Processing fees
43,073
42,059
37,822*
45,008
Legal and consulting
14,415
9,087
27,456*
21,616
Bankcard
11,873
11,841
14,178*
11,775
Amortization of other intangible assets
23,460
23,460
17,570*
25,317
Regulatory fees
9,097
8,270
4,478*
8,091
Other
17,914
14,694
-383*
29,851
Total noninterest expense
399,633
380,883
364,945*
419,285
Income before income taxes
350,397
331,276
165,290*
236,555
Income tax expense
72,827
69,838
27,840*
48,239
Net income
277,570
261,438
137,450*
188,316
Less preferred dividends
5,812
5,813
-6,051*
7,944
Net income available to common shareholders
271,758
255,625
143,501
180,372
Basic EPS
3.58
3.36
2.033
2.38
Diluted EPS
3.56
3.35
2.022
2.36
Basic Average Shares
75,972,781
76,032,620
70,574,221
75,943,943
Diluted Average Shares
76,392,233
76,399,233
70,974,468
76,366,818
Unit: Thousand (K) dollars (except for numbers of shares and EPS). Numbers labeled with * are estimated quarterly values.

Time Plot

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Income Statement

Taxable interest$146,593K Tax-exempt interest$35,181K Loans$643,995K Total securitiesincome$181,774K Interest-bearing due from banks$33,950K Federal funds and resellagreements$11,259K Trading securities$388K Total interest income$871,366K Net interest income$532,525K Trust and securitiesprocessing$98,295K Bankcard fees$29,954K Other$29,660K Service charges ondeposit accounts$29,588K Investment securitiesgains, net$27,087K Brokerage fees$25,400K Trading and investmentbanking$5,314K Insurance fees andcommissions$207K Total interestexpense$338,841K Net interest incomeafter provision for...$504,525K Total noninterestincome$245,505K Provision for creditlosses$28,000K Deposits$298,927K Federal funds andrepurchase agreements$28,953K Other-$10,961K Income before incometaxes$350,397K Total noninterestexpense$399,633K Net income$277,570K Income tax expense$72,827K Salaries and employeebenefits$227,162K Processing fees$43,073K Amortization of otherintangible assets$23,460K Occupancy, net$19,277K Other$17,914K Legal and consulting$14,415K Equipment$13,942K Marketing and businessdevelopment$13,916K Bankcard$11,873K Regulatory fees$9,097K Supplies and services$5,504K Net incomeavailable to common...$271,758K Less preferreddividends$5,812K

UMB FINANCIAL CORP (UMBFO)

UMB FINANCIAL CORP (UMBFO)