UMB Financial Corp
F:UMB
Decide at what price you'd be comfortable buying and we'll help you stay ready.
|
U
|
UMB Financial Corp
F:UMB
|
US |
|
Inaba Denki Sangyo Co Ltd
TSE:9934
|
JP |
|
G
|
GEA Group AG
XMUN:G1A
|
DE |
|
H
|
HUYA Inc
LSE:0YB1
|
CN |
|
K
|
Kontoor Brands Inc
F:3KO
|
US |
|
A
|
Axcelis Technologies Inc
F:XXA1
|
US |
|
C
|
Currys PLC
SWB:CWB
|
UK |
|
E
|
E.ON SE
XBER:EOAN
|
DE |
|
E
|
Electrocomponents PLC
LSE:ECM
|
UK |
|
Odyssey Gold Ltd
ASX:ODY
|
AU |
|
Kofola CeskoSlovensko as
LSE:0RD3
|
CZ |
|
Smith & Wesson Brands Inc
LSE:0HEM
|
US |
|
Spindex Industries Ltd
SGX:564
|
SG |
UMB Financial Corp
UMB Financial Corp is a bank holding company that makes money in three main ways: taking deposits, making loans, and charging fees for banking and financial services. Through its bank and related businesses, it serves people, small and mid-sized businesses, and larger institutional clients that need cash management, lending, and treasury services. A big part of its business is serving companies that need more than a basic retail bank account. It provides commercial loans, deposit accounts, payment processing, wealth and trust services, and investment-related administration for institutions. It also works with clients in areas like healthcare, government, and asset servicing, where customers want a bank that can handle both everyday banking and specialized back-office work. UMB stands out because it is not just a lender. It earns fee income from servicing accounts, processing payments, and administering assets, which gives it a mix of interest income and service revenue. That makes it more of a financial infrastructure provider for businesses and institutions than a simple consumer bank.
UMB Financial Corp is a bank holding company that makes money in three main ways: taking deposits, making loans, and charging fees for banking and financial services. Through its bank and related businesses, it serves people, small and mid-sized businesses, and larger institutional clients that need cash management, lending, and treasury services.
A big part of its business is serving companies that need more than a basic retail bank account. It provides commercial loans, deposit accounts, payment processing, wealth and trust services, and investment-related administration for institutions. It also works with clients in areas like healthcare, government, and asset servicing, where customers want a bank that can handle both everyday banking and specialized back-office work.
UMB stands out because it is not just a lender. It earns fee income from servicing accounts, processing payments, and administering assets, which gives it a mix of interest income and service revenue. That makes it more of a financial infrastructure provider for businesses and institutions than a simple consumer bank.
Bottom line: UMB Financial said second-quarter results were strong, with net income of $271.8 million and EPS of $3.56, supported by solid loan growth, strong fee income, and very good credit quality.
Loan growth: Average loans grew at a 12.6% linked-quarter annualized rate, helped by a record $2.6 billion in gross production, and management said the pipeline remains strong across the footprint.
Fees: Fee income was a major driver, with institutional banking fees up 6% sequentially and 19.6% year over year; fund services assets under administration rose to $622 billion.
Margins and deposits: Core margin improved 4 basis points to 3.09%, while average deposits were flat. Management expects third-quarter core margin to be relatively flat and said deposit seasonality remains a near-term headwind.
Capital return: The company raised its common dividend to $0.50 a share, a 16.3% increase, and bought back about 38,000 shares for $5 million during the quarter.
Outlook: Management kept a constructive tone on the rest of 2026, expecting positive operating leverage for the full year and third-quarter expenses around $390 million.
