UMB Financial Corporation (UMBF) provides financial services through commercial banking, personal banking and institutional banking. News about the company centers on quarterly earnings, loan and deposit trends, net interest margin, fee income, asset quality and the integration effects of its completed Heartland Financial acquisition.
Recurring updates also cover dividends on common stock and Series B preferred stock, share repurchase authorization, and growth in institutional services such as custody, asset servicing, corporate trust solutions, investment banking and healthcare services. UMB Bank also appears in financing news as a commercial banking lender and credit-facility provider.
UMB Financial (UMBF) reported third-quarter 2026 net income available to common shareholders of $272.3 million, up 51.0% from a year earlier. Diluted earnings per share were $3.56, versus $2.36 a year earlier and unchanged from the second quarter. Revenue reached $772.4 million, up 13.9% year over year but below $778.0 million in the prior quarter.
Net interest income rose 13.7% year over year to $540.0 million. Net interest margin, adjusted for tax-exempt income, was 3.32%, unchanged sequentially and up 28 basis points year over year. Average loans increased 12.4% year over year to $41.7 billion, while average deposits grew 2.6% to $58.2 billion. Nonperforming loans fell to 0.28% of total loans from 0.31% in June. Net charge-offs were $14.0 million. Noninterest income rose 14.3% year over year but fell 5.3% sequentially.
UMB Financial (UMBF) declared a quarterly common stock dividend of $0.50 per share, payable on January 4, 2027.
Common shareholders must be on record December 10, 2026. The board also declared $193.75 per share on Series B 7.75% preferred stock (UMBFO), equivalent to $0.484375 per depositary share. The preferred dividend is payable January 15, 2027, to holders of record at the close of business December 31, 2026.
UMB Financial (UMBF) agreed to acquire El Dorado Savings Bank in a cash-and-stock transaction valued at approximately $506 million.
The consideration is 52% cash and 48% stock. El Dorado shareholders will receive 13.553 UMBF common shares plus $1,958.88 cash per outstanding share. Former El Dorado shareholders are expected to own approximately 2% of the combined company.
El Dorado had $2.4 billion in assets, $2.1 billion in deposits and $0.5 billion in loans as of September 30, 2026. The acquisition would add 31 California branches and four Nevada branches, bringing UMB’s network to 227 branches across 15 states.
Both boards unanimously approved the agreement. UMB expects closing in the first quarter of 2027, subject to regulatory approvals and El Dorado shareholder approval. The companies will operate independently until closing. El Dorado CEO David O. Cook will become vice chairman of UMB Bank California.
UMB Financial (Nasdaq: UMBF) will release its third-quarter 2026 earnings after market hours on October 27, 2026. The company plans to discuss the results on an investor conference call on October 28 at 8:30 a.m. CT / 9:30 a.m. ET. A live webcast and call replay will be available at investorrelations.umb.com, with the telephone replay available through November 11.
UMB Financial Corporation (Nasdaq: UMBF) declared a quarterly common dividend of $0.50 per share, a 16.3% increase, payable on October 1, 2026 to shareholders of record on September 10, 2026. The board also declared a dividend of $193.75 per share on its Series B 7.75% preferred stock (UMBFO), or $0.484375 per depositary share, payable on October 15, 2026 to stockholders of record on September 30, 2026.
UMB Financial (Nasdaq: UMBF) reported second quarter 2026 GAAP net income available to common shareholders of $271.8 million, or $3.56 per diluted share, up 26.2% year over year and 8.1% from the first quarter. Net operating income was $273.0 million, or $3.57 per diluted share. Total revenue reached $778.0 million, up 12.9% year over year and 5.3% sequentially, with net interest income of $532.5 million and noninterest income of $245.5 million.
Net interest margin on a fully taxable equivalent basis was 3.32%, 22 basis points higher than a year ago but six basis points below the first quarter. The GAAP efficiency ratio improved to 48.4% from 53.4% a year earlier. Average loans rose to $40.6 billion, up 11.6% year over year, with end-of-period loans at $41.1 billion. Asset quality remained stable, with net charge-offs of $15.9 million (16 basis points of average loans) and nonperforming loans declining to $127.5 million, or 31 basis points of total loans. The board declared a quarterly dividend of $0.50 per common share, payable October 1, 2026, a 16.3% increase from prior levels.
UMB Financial (Nasdaq: UMBF) will release its Q2 2026 earnings after market close on Tuesday, July 28, 2026. Management will host an investor conference call on Wednesday, July 29, 2026, at 8:30 a.m. CT / 9:30 a.m. ET.
Investors can join via toll-free and international dial-in numbers using conference ID 8227474, or through a live webcast on the UMB investor relations website. A replay will be available by phone and online through August 12, 2026.
Corastone announced a partnership with UMB Fund Services to connect UMBFS and its clients to Corastone's private, permissioned blockchain (DLT) network for alternative investment servicing, with recordkeeping support from Envision.
StepStone (Nasdaq: STEP) is the first UMBFS client on the network, aiming to streamline subscriptions, reduce manual reconciliation, and improve data accuracy across transactions.
iCapital and UMB Fund Services, a subsidiary of UMB Financial (NASDAQ:UMBF), announced an integrated partnership to deploy distributed ledger technology (DLT) into fund administration.
The blockchain-enabled network aims to standardize data, automate workflows, and reduce operational friction across onboarding, subscription processing, and servicing for alternative investments.
UMB Financial (Nasdaq: UMBF) reported strong growth in its Institutional Custody business. As of March 31, 2026, assets under custody reached $250 billion, a 19% year-over-year increase and 298% growth since custody became a standalone business in 2019.
Growth is driven by municipal and insurance client wins, demand for private and semi-liquid fund servicing, and liquidity solutions such as reverse repo and credit facilities. Recent mandates include the City of Fort Worth and ReFlow Fund. UMB has also broadened technology, FX, trustee, ETF and cash sweep capabilities.