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Financial Statements — UMBFO
Balance Sheet
(in billions USD)| Metric | Q3 2026 | Q2 2026 | Q1 2026 | Q4 2025 | Q3 2025 | Q2 2025 | Q1 2025 | Q4 2024 | Q3 2024 | Q2 2024 | Q1 2024 | Q4 2023 | Q3 2023 | Q2 2023 | Q1 2023 | Q4 2022 | Q3 2022 | Q2 2022 | Q1 2022 | Q4 2021 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Cash & Equivalents | 4.60 | 5.61 | 6.26 | 7.77 | 8.84 | 11.00 | 10.61 | 8.45 | 7.28 | 5.02 | 6.94 | 5.53 | 3.93 | 3.74 | 3.52 | 1.56 | 2.01 | 2.12 | 6.69 | 9.21 |
| Net Loans & Leases | 42.08 | 40.71 | 39.71 | 38.36 | 37.30 | 36.42 | 35.57 | 25.38 | 24.74 | 23.96 | -- | -- | -- | -- | -- | -- | -- | -- | -- | -- |
| Total Assets | 72.74 | 72.26 | 72.67 | 73.09 | 71.88 | 71.76 | 69.35 | 50.41 | 47.50 | 44.47 | 45.34 | 44.01 | 41.46 | 41.24 | 40.61 | 38.51 | 37.58 | 37.51 | 40.61 | 42.69 |
| Total Deposits | 60.17 | 59.77 | 59.98 | 60.66 | 60.14 | 59.99 | 58.52 | 43.14 | 39.70 | 36.52 | 36.91 | 35.79 | 33.43 | 33.52 | 31.93 | 32.64 | 31.81 | 31.49 | 34.36 | 35.60 |
| Long-term Debt | 0.33 | 0.48 | 0.48 | 0.47 | 0.47 | 0.66 | 0.65 | 0.39 | 0.38 | 0.38 | 0.38 | 0.38 | 0.38 | 0.38 | 0.38 | 0.38 | 0.38 | 0.27 | 0.27 | 0.27 |
| Total Liabilities | 64.89 | 64.22 | 64.85 | 65.40 | 64.44 | 64.47 | 62.60 | 46.94 | 43.96 | 41.24 | 42.19 | 40.91 | 38.66 | 38.41 | 37.79 | 35.85 | 35.06 | 34.86 | 37.86 | 39.55 |
| Retained Earnings | 4.43 | 4.20 | 3.96 | 3.74 | 3.56 | 3.41 | 3.22 | 3.17 | 3.07 | 2.98 | 2.90 | 2.81 | 2.76 | 2.68 | 2.61 | 2.54 | 2.45 | 2.38 | 2.27 | 2.18 |
| Total Stockholder Equity | 7.85 | 8.03 | 7.83 | 7.69 | 7.44 | 7.29 | 6.75 | 3.47 | 3.54 | 3.23 | 3.15 | 3.10 | 2.81 | 2.83 | 2.81 | 2.67 | 2.52 | 2.64 | 2.75 | 3.15 |
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Income Statement
(in millions USD) (except per-share rows)| Metric | Q3 2026 | Q2 2026 | Q1 2026 | Q4 2025 | Q3 2025 | Q2 2025 | Q1 2025 | Q4 2024 | Q3 2024 | Q2 2024 | Q1 2024 | Q4 2023 | Q3 2023 | Q2 2023 | Q1 2023 | Q4 2022 | Q3 2022 | Q2 2022 | Q1 2022 | Q4 2021 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Interest & Dividend Income | 895.40 | 871.37 | 867.07 | 886.88 | 878.90 | 850.54 | 737.97 | 554.97 | 557.69 | 538.28 | 520.07 | 496.60 | 471.98 | 461.38 | 408.75 | 366.81 | 300.34 | 248.57 | 221.80 | 221.58 |
| Interest Expense | -- | -- | -- | -- | -- | -- | -- | -- | -- | 293.17 | 280.63 | 266.08 | 249.69 | 235.77 | 167.05 | 121.65 | 66.85 | 23.78 | 11.44 | 11.01 |
| Net Interest Income | 540.01 | 532.53 | 534.37 | 522.50 | 475.04 | 467.02 | 397.64 | 268.97 | 247.38 | 245.11 | 239.43 | 230.52 | 222.29 | 225.61 | 241.70 | 245.17 | 233.49 | 224.79 | 210.36 | 210.57 |
| Provision for Credit Losses | 31.00 | 28.00 | 27.00 | 25.00 | 22.50 | 21.00 | 86.00 | 19.00 | 18.00 | 14.05 | 10.00 | 0.00 | 4.98 | 13.00 | 23.25 | 9.00 | 22.00 | 13.40 | (6.50) | 8.50 |
| Non-interest Income | 232.38 | 245.51 | 204.79 | 198.37 | 203.30 | 222.19 | 166.20 | 165.21 | 158.74 | 144.92 | 159.24 | 140.25 | 133.32 | 138.08 | 130.20 | 125.50 | 128.72 | 176.34 | 123.68 | 118.78 |
| Non-interest Expense | 399.46 | 399.63 | 380.88 | 425.56 | 419.29 | 393.17 | 384.79 | 270.36 | 252.45 | 249.07 | 254.80 | 289.97 | 231.44 | 240.67 | 237.05 | 237.82 | 231.40 | 214.13 | 214.78 | 222.48 |
| Pretax Income | 341.93 | 350.40 | 331.28 | 270.31 | 236.56 | 275.04 | 93.05 | 144.82 | 135.67 | 126.91 | 133.87 | 80.80 | 119.19 | 110.02 | 111.59 | 123.85 | 108.81 | 173.60 | 125.76 | 98.37 |
| Tax Provision | 63.85 | 72.83 | 69.84 | 54.95 | 48.24 | 57.65 | 11.72 | 24.83 | 26.02 | 25.57 | 23.62 | 9.88 | 22.63 | 19.91 | 19.16 | 23.67 | 20.82 | 36.04 | 19.79 | 19.87 |
| Net Income | 278.08 | 277.57 | 261.44 | 215.36 | 188.32 | 217.39 | 81.33 | 120.00 | 109.64 | 101.35 | 110.26 | 70.92 | 96.55 | 90.11 | 92.44 | 100.17 | 87.99 | 137.56 | 105.96 | 78.50 |
| Basic EPS | 3.58 | 3.58 | 3.36 | 2.91 | 2.38 | 2.84 | 1.22 | 2.45 | 2.25 | 2.08 | 2.27 | 1.46 | 1.99 | 1.86 | 1.91 | 2.07 | 1.82 | 2.85 | 2.19 | 1.61 |
| Diluted EPS | 3.56 | 3.56 | 3.35 | 2.90 | 2.36 | 2.82 | 1.21 | 2.44 | 2.23 | 2.07 | 2.25 | 1.45 | 1.98 | 1.85 | 1.90 | 2.05 | 1.81 | 2.83 | 2.17 | 1.60 |
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Cash Flow Statement
(in billions USD)| Metric | Q3 2026 | Q2 2026 | Q1 2026 | Q4 2025 | Q3 2025 | Q2 2025 | Q1 2025 | Q4 2024 | Q3 2024 | Q2 2024 | Q1 2024 | Q4 2023 | Q3 2023 | Q2 2023 | Q1 2023 | Q4 2022 | Q3 2022 | Q2 2022 | Q1 2022 | Q4 2021 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Operating Cash Flow | 0.37 | 0.35 | 0.36 | 0.11 | 0.27 | 0.29 | 0.36 | (0.07) | 0.12 | 0.11 | 0.06 | 0.08 | 0.23 | 0.15 | 0.00 | 0.14 | 0.22 | 0.21 | 0.20 | 0.17 |
| Capital Expenditures | 0.01 | 0.02 | 0.00 | 0.01 | 0.01 | 0.01 | 0.01 | 0.01 | 0.01 | 0.01 | 0.00 | 0.00 | 0.01 | 0.01 | 0.01 | 0.02 | 0.02 | 0.01 | 0.01 | 0.01 |
| Free Cash Flow* | 0.36 | 0.33 | 0.36 | 0.10 | 0.26 | 0.27 | 0.35 | (0.08) | 0.12 | 0.11 | 0.05 | 0.08 | 0.23 | 0.15 | (0.01) | 0.13 | 0.20 | 0.20 | 0.19 | 0.16 |
| Investing Cash Flow | (1.74) | (0.28) | (1.35) | (2.14) | (2.14) | (2.00) | 0.66 | (1.72) | (0.59) | (1.11) | 0.16 | (0.69) | (0.14) | (0.40) | (0.04) | (0.94) | (0.39) | (1.71) | (0.81) | (2.17) |
| Financing Cash Flow | 0.36 | (0.72) | (0.52) | 0.97 | (0.28) | 2.10 | 1.14 | 2.96 | 2.73 | (0.93) | 1.20 | 2.21 | 0.10 | 0.46 | 2.01 | 0.34 | 0.06 | (3.07) | (1.91) | 5.09 |
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* Derived from reported values
Dividends Per Share
(USD)| Metric | Q3 2026 | Q2 2026 | Q1 2026 | Q4 2025 | Q3 2025 | Q2 2025 | Q1 2025 | Q4 2024 | Q3 2024 | Q2 2024 | Q1 2024 | Q4 2023 | Q3 2023 | Q2 2023 | Q1 2023 | Q4 2022 | Q3 2022 | Q2 2022 | Q1 2022 | Q4 2021 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Dividends Per Share | 0.50 | 0.43 | 0.43 | 0.43 | 0.40 | 0.40 | 0.40 | 0.40 | 0.39 | 0.39 | 0.39 | 0.39 | 0.38 | 0.38 | 0.38 | 0.38 | 0.37 | 0.37 | 0.37 | 0.37 |
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