Key Highlights

  • Consensus EPS of 3.22 compares with diluted EPS of 3.56 reported for the second quarter, against 2.82 a year earlier.
  • Consensus revenue of USD 744.81 million, against net interest income of USD 532,525 thousand plus USD 245,505 thousand noninterest income.
  • Net interest income rose USD 65.5 million, or 14.0%, and noninterest income rose USD 23.3 million, or 10.5%.
  • The provision for credit losses was USD 28,000 thousand against USD 21,000 thousand, and noninterest expense was USD 399,633 thousand.

UMB Financial (NASDAQ:UMBF) reports third-quarter results on Tuesday, Oct. 27, after the market closes. Consensus stands at EPS of 3.22 on revenue of USD 744.81 million, and the company has a market capitalization of USD 10.20 billion.

UMB Financial is a bank holding company. In the second quarter, it reported net income of USD 277,570 thousand against USD 217,394 thousand and income before income taxes of USD 350,397 thousand against USD 275,041 thousand.

Estimates Against the Last Reported Quarter

The EPS estimate of 3.22 is below the diluted EPS of 3.56 reported for the second quarter, which compared with 2.82 a year earlier. The revenue estimate of USD 744.81 million is below the sum of net interest income of USD 532,525 thousand and noninterest income of USD 245,505 thousand, and the estimates table does not state its revenue basis.

Basic EPS was 3.58 against 2.84. Interest and dividend income was USD 871,366 thousand against USD 850,537 thousand.

Net Interest Income and Noninterest Revenue

The filing lists three financial objectives. On net interest income, it reports an increase of USD 65.5 million, or 14.0%, from the second quarter of 2025, to USD 532,525 thousand against USD 467,024 thousand.

On noninterest revenue, noninterest income rose USD 23.3 million, or 10.5%, to USD 245.5 million against USD 222,185 thousand. The filing says the company seeks to grow noninterest revenues throughout economic and interest rate cycles.

The first objective is to improve operating efficiencies, and the filing says the company has focused on simplifying organizational and reporting structures and streamlining back-office functions.

Provision and Expense Lines

The provision for credit losses was USD 28,000 thousand against USD 21,000 thousand. Noninterest expense was USD 399,633 thousand against USD 393,168 thousand.

The filing says the company continues to maximize shareholder value through a mix of reinvesting in organic growth, evaluating acquisition opportunities, increasing dividends over time and repurchasing shares.

Salaries and employee benefits were USD 227,162 thousand against USD 213,551 thousand, occupancy, net, was USD 19,277 thousand against USD 18,571 thousand, and equipment expense was USD 13,942 thousand against USD 16,426 thousand.

At June 30, 2026, total deposits were USD 59,766,682 thousand against USD 60,656,790 thousand at the prior year-end, and federal funds purchased and repurchase agreements were USD 3,083,600 thousand against USD 3,324,938 thousand. Long-term debt was USD 480,126 thousand against USD 474,229 thousand. Net income was USD 277,570 thousand against USD 217,394 thousand.

The estimates table lists a market capitalization of USD 10.20 billion.

Items to Track in the Report

Diluted EPS against 3.22 and revenue against USD 744.81 million are the headline comparisons. Other markers are net interest income against USD 532,525 thousand, noninterest income and the provision for credit losses.