UMB Financial Corporation Reports Third Quarter 2026 Results
UMB Financial reported Q3 2026 net income available to common shareholders of $272.3 million, or $3.56 per diluted share, up 51.0% year-over-year from $2.36. Revenue rose 13.9% YoY to $772.4 million on 13.7% net interest income growth and a 3.32% NIM (up 28 bps), while the efficiency ratio improved to 48.71% from 58.09%. Loan momentum was the standout: gross production hit a record $3.1 billion, average loans grew 12.4% YoY to $41.7 billion, and credit quality improved with nonperforming loans down to 28 bps of loans and net charge-offs at just 13 bps.
Key figures
- Eps
- 3.56
- Revenue
- 772388000
- Revenue Yoy
- 13.9%
- Roa
- 1.53%
- Roe
- 13.83%
- Nii yoy
- 13.7%
- Cet1 ratio
- 11.50%
- Average loans
- 41700000000
- Nco ratio bps
- 13
- Net income yoy
- 51.0%
- Nim change bps
- 28
- Operating ptpp
- 373043000
- Loan growth yoy
- 12.4%
- Net charge offs
- 14003000
- Average deposits
- 58200000000
- Efficiency ratio
- 48.71%
- Noninterest income
- 232383000
- Operating ptpp yoy
- 27.2%
- Net interest income
- 540005000
- Gross loan production
- 3100000000
- Net interest margin fte
- 3.32%
- Provision for credit losses
- 31000000
- Nonperforming loans ratio bps
- 28
- Net income available to common
- 272272000
AI analysis
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