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

- **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

Revenue

Sales and Services Revenue

Financing Services Revenue

Other Revenue

Cost of Revenue

Cost of Goods and Services

Cost of Financing Services

Other Cost

Gross Profit

Other Operating Income

Operating Expenses

Selling, General and Administrative Expenses

Selling and Marketing Expenses

General and Administrative Expenses

Research and Development Expenses

Loss on Bad Debts

Loss on Impairment of Other Assets

Loss on Disposal of Assets

Other Operating Expenses

Operating Income

Non-Operating Income (Loss)

Income (Loss) from Affiliates

Income (Loss) from Associates

Income (Loss) from Joint ventures

Gain (Loss) on Other Investment

Gain (Loss) on Change in Fair Value

Gain (Loss) on Foreign Currency Exchange

Other Non-Operating Income (Loss)

Net Interest Expense

Interest Expense

Interest Income

Pretax Income From Continuing Operations

Income Tax Expense

Current Income Tax

Deferred Income Tax

Income Tax Adjustments

Net Income from Continuing Operations

Income from Discontinued Operations

Other Items Before Net Income

Net Income

Net Income Attributable to Minority Interests

Net Income Attributable to Owners of the Company

Preferred Stock Dividends

Other Adjustments

Net Income Attributable to Common Stockholders

Other Comprehensive Income

Total Comprehensive Income

Total Comprehensive Income Attributable to Minority Interests

Total Comprehensive Income Attributable to Owners of the Company

Basic EPS

Basic EPS from Continuing Operations

Basic EPS from Discontinued Operations

Diluted EPS

Diluted EPS from Continuing Operations

Diluted EPS from Discontinued Operations

UMBF

UMBF fundamentals

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