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%), full-year $684.6M (+12.8% YoY), driven by 13% loan growth and 5.1% fee income expansion.
- Strong Asset Quality: Net charge-offs 13 basis points (Q4), 23 basis points (full year), below 27 basis point long-term average.
- Disciplined Growth: 10.26% common equity Tier 1 ratio, 55.5% efficiency ratio, and 2.96% core NIM.
- M&A Focus: Organic growth prioritized; open to tuck-in deals under $100B threshold.
- Heartland Synergies: Mortgage, credit cards, and corporate trust opportunities identified post-conversion.
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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 were the key takeaways from UMB Financial's earnings call?What is UMB Financial's gross profit margin?What factors drove the changes in UMB Financial's revenue and profit?What were the key takeaways from UMB Financial’s earnings call?What does UMB Financial do and what are its main business segments?What is the revenue and EPS growth rate for UMB Financial year over year?What guidance did UMB Financial's management provide for the next earnings period?What is UMB Financial's latest dividend and current dividend yield?
