UMB FINANCIAL CORP — Form 8-K
Filed October 27, 2026 · analyzed by the 8-K Agent
8-K
▲ Likely positive
significance 42/100
What the filing says
UMB Financial Corporation reported Q3 2026 GAAP net income of $272.3 million ($3.56/share diluted), up 51% vs. Q3 2025 ($180.4 million, $2.36/share). Net interest income rose 13.7% to $540.0 million; net interest margin remained stable at 3.32%. Average loans grew $4.6 billion (+12.4% YoY) to $41.7 billion; average deposits increased 2.6% to $58.2 billion. Asset quality improved: nonperforming loans declined to 28 bps (from 31 bps); net charge-offs at 13 bps. The company also redeemed $150 million in subordinated notes (2.75% fixed-to-floating) in mid-September 2026.
Why this rating
Strong earnings growth, balanced loan/deposit expansion, and stable margins are solid operational results. However, gains driven largely by organic growth and margin accretion rather than transformational events. Moderate scale relative to $7.6B market cap (~3.6% of equity value in quarterly earnings).
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