UMB FINANCIAL CORP (UMBF) Form 8-K — Oct 27, 2026
UMB Financial reported Q3 2026 GAAP net income available to common shareholders of $272.3 million, or $3.56 per diluted share, up 51.0% from $2.36 a year earlier, on revenue of $772.4 million (+13.9% YoY). The Heartland Financial acquisition continued to drive scale, with results reflecting a full three quarters of acquired operations. Balance sheet momentum was strong: average loans grew 12.4% YoY to $41.7 billion with record $3.1 billion gross loan production, while net interest margin held at 3.32%, up 28 bps year-over-year. Credit quality improved, with nonperforming loans falling to 28 bps of loans and net charge-offs at just 13 bps.
Key figures
- Eps
- 3.56
- Revenue
- 772400000
- Net Income
- 272300000
- Revenue Yoy
- 13.9%
- Shares Outstanding
- 75951697
- Cet1 Ratio
- 11.50%
- Average Loans
- $41.7 billion (+12.4% YoY)
- Net Charge Offs
- $14.0 million (13 bps of average loans)
- Average Deposits
- $58.2 billion (+2.6% YoY)
- Efficiency Ratio
- 48.71% vs 58.09% prior year
- Net Interest Income
- $540.0 million (+13.7% YoY)
- Noninterest Income
- $232.4 million (+14.3% YoY)
- Preferred Dividend
- $193.75 per Series B share
- Nonperforming Loans
- $117.9 million (28 bps of loans)
- Gross Loan Production
- $3.1 billion (record)
- Net Interest Margin FTE
- 3.32% (up 28 bps YoY)
- Return On Average Assets
- 1.53%
- Common Dividend Per Share
- $0.50 quarterly, payable Jan 4, 2027
- Provision For Credit Losses
- $31.0 million
- Tangible Book Value Per Share
- 70.07
- Return On Average Common Equity
- 13.83%
- Ytd Net Income Available To Common
- $799.7 million (YTD 2026)
AI analysis
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