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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 Growth: Q4 loan growth of 13% vs. 4.9% peer median, driven by C&I and Heartland integration.
  • Profitability: Efficiency ratio improved to 55.5%, targeting positive operating leverage in 2026.
  • Capital Strength: Common equity Tier 1 ratio of 10.6%, up 26 bps from Q3.
  • Credit Quality: Net charge-offs at 13 bps, NPLs at 37 bps of loans,优于行业平均水平。
  • Strategic Focus: Organic growth prioritized over M&A, with cautious approach to deals above $100 billion.
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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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