UMBF
UMB Financial·NASDAQ
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UMBF fundamentals
UMB Financial (UMBF) released its earnings on Jan 27, 2026: revenue was 720.87M (YoY +66.03%), beat estimates; EPS was 3.08 (YoY +23.69%), beat estimates.
Revenue / YoY
720.87M
+66.03%
EPS / YoY
3.08
+23.69%
Report date
Jan 27, 2026
UMBF Earnings Call Summary for Q4,2025
- Record Financial Performance: Q4 net income $209.5M (+16.1% QoQ), full-year $684.6M, with 13% loan growth vs. industry median 4.9%.
- Organic Growth Focus: CEO prioritizes organic expansion, with M&A limited to small, strategic deals avoiding $100B threshold.
- Strong Credit Metrics: 13 basis points Q4 net charge-offs, 23 basis points annualized, below 27 basis point long-term average.
- Margin Resilience: Core NIM 2.96% (up 18bps QoQ), supported by 76% deposit beta and mix shifts.
- Fee Income Momentum: Institutional Banking up 12.8% YoY, targeting 7%+ annual growth through fund services and private wealth.
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Key Indicators
UMB Financial (UMBF) key financial stats and ratios, covering profitability, financial health, and leverage.
UMB Financial (UMBF)'s revenue and profit trends over recent years, visualized with a waterfall chart to showcase the revenue-to-profit funnel.
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UMB Financial (UMBF)'s asset and liability trends over recent years, visualized with a waterfall chart to illustrate changes in its asset-liability structure.
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UMB Financial (UMBF)'s cash flow trends over recent years, visualized with a waterfall chart to illustrate changes in its operating, investing, and financing cash flows.
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Where does UMB Financial (UMBF) generate its revenue? Explore its key revenue streams and top earning regions.
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Track UMB Financial (UMBF) Dividend Yield, Payout Ratio & Sustainability Through Its Dividend History
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You can ask Aime
What factors drove the changes in UMB Financial's revenue and profit?What is UMB Financial's gross profit margin?What were the key takeaways from UMB Financial's earnings call?What is UMB Financial's latest dividend and current dividend yield?What does UMB Financial do and what are its main business segments?Did UMB Financial beat or miss consensus estimates last quarter?What is the revenue and EPS growth rate for UMB Financial year over year?What were the key takeaways from UMB Financial’s earnings call?
