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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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Revenue

Revenue & Expenses

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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