Did UMB Financial beat or miss consensus estimates last quarter?

What guidance did UMB Financial's management provide for the next earnings period?

What is UMB Financial's gross profit margin?

What were the key takeaways from UMB Financial's earnings call?

What is the market's earnings forecast for UMB Financial next quarter?

What is the revenue and EPS growth rate for UMB Financial year over year?

What factors drove the changes in UMB Financial's revenue and profit?

What does UMB Financial do and what are its main business segments?

- **Loan Growth Record**: Q3 loan production exceeds $2B, C&amp;I up 14% QoQ.
- **Fee Income Surge**: 12.4% QoQ growth driven by trust services and private wealth.
- **Credit Stability**: NPLs at 35bps, charge-offs near historical lows.
- **M&amp;A Strategy**: Acquiring deposits to fund loan growth, CET1 to 11% in 1-2Qs.
- **Margin Outlook**: Neutral in 2025, accretion benefits offset rate cuts.

**【CEO Summary Section】**
- Record gross loan production of over $2 billion, driven by organic growth and Heartland acquisition success, with C&amp;I loans growing 14% QoQ.
- Fee income increased 12.4% QoQ, led by trust services, investment banking, and private wealth.
- CET1 ratio improved to 10.7%, nearing pre-acquisition levels, with $0.43 dividend increase.

**【CFO Financial Commentary】**
- Net income $180.4M, excluding $35.6M acquisition costs, with $2.70 EPS.
- Fee income growth offset by higher deposit costs, with NIM 3.04% (2.78% core margin).
- Q4 expenses expected $375-380M, with $70M+ cost saves from Heartland on track.

**【Q&A Highlights】**
- Loan pipeline strength in legacy and HTLF markets, with 8% loan growth vs. peer median 5.5%.
- Credit quality stable, with NPLs at 35bps, charge-offs near historical lows.
- M&amp;A focus on deposits to fund loan growth, with CET1 expected back to 11% in 1-2Qs.
- Margins neutral in 2025, with accretion benefits offsetting rate cuts impact.

UMB Financial Corporation (UMBF) Q3 2025 Earnings Call Transcript

Commercial Banking

Institutional Banking

Personal Banking

UMBF

UMBF fundamentals

You can ask Aime