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 of $209.5 million (+16.1% QoQ), full-year EPS of $9.29 with 12.1% 20-year CAGR.
- Exceptional Loan Growth: 13% Q4 loan growth vs. industry median of 4.9%, driven by C&I (+27% QoQ) and Heartland integration.
- Strong Credit Metrics: Net charge-offs of 23 basis points annualized, below 27 basis point long-term average. NPLs at 37 basis points of loans.
- Deposit Strategy Success: DDA growth of 24.9% QoQ, 76% beta on interest-bearing deposits, and 2.25% cost of total deposits.
- Capital Discipline: Focus on organic growth, 10.6% common equity Tier 1 ratio, and no immediate M&A plans beyond small tuck-ins.
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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 is UMB Financial's gross profit margin?What does UMB Financial do and what are its main business segments?What is UMB Financial's latest dividend and current dividend yield?What were the key takeaways from UMB Financial’s earnings call?What guidance did UMB Financial's management provide for the next earnings period?What is the market's earnings forecast for UMB Financial next quarter?What factors drove the changes in UMB Financial's revenue and profit?Did UMB Financial beat or miss consensus estimates last quarter?
