UMB Financial/$UMBF

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About UMB Financial

UMB Financial Corp, or UMBF, is a financial services holding company offering a suite of banking services and asset servicing to its customers in the United States and around the world. Its client base includes commercial, institutional, and personal customers. Along with its subsidiaries, the company operates in the following business segments: Commercial Banking, Institutional Banking, and Personal Banking. A majority of its revenue is generated from the Commercial Banking segment, which serves the commercial banking and treasury management needs of small to middle-market businesses through various products and services such as commercial loans, commercial real estate financing, commercial credit cards, letters of credit, loan syndication services, consultative services, and others.

Ticker

$UMBF
Sector
Primary listing

Employees

3,698

UMB Financial Metrics

BasicAdvanced
$9.1B
13.73
$8.74
0.75
$1.60
1.33%

What the Analysts think about UMB Financial

Analyst ratings (Buy, Hold, Sell) for UMB Financial stock.

Bulls say / Bears say

Average loans rose 52.9% from the previous year to $36.4 billion in Q2 2025, supported by organic growth and the Heartland acquisition, boosting interest-earning assets. (Business Wire)
Net interest margin widened by 14 basis points sequentially to 3.10% in Q2 2025 due to higher loan yields and purchase accounting accretion from the HTLF franchise. (Business Wire)
Net operating income per diluted share jumped 112.9% year-over-year to $2.96 in Q2 2025, beating the consensus of $2.37 and reflecting strong profitability. (Business Wire)
Credit quality deteriorated, as net charge-offs rose to 0.17% of average loans in Q2 2025 from 0.05% a year ago, and nonperforming loans increased to 26 basis points of total loans. (Nasdaq)
Operating non-interest expenses surged 56.3% year-over-year to $380 million in Q2 2025, increasing cost pressures despite improved efficiency. (Nasdaq)
Full systems integration for the Heartland franchise won't be completed until Q4 2025, leaving ongoing operational and service-disruption risks. (Business Wire)
Data summarised monthly by Lightyear AI. Last updated on 5 Oct 2025.

UMB Financial Financial Performance

Revenues and expenses
QuarterlyAnnual
Q3 24
QoQ growth
Revenue
$37B
-39.75%
Net income
$45B
107.52%
Profit margin
37.65%
6.78%

UMB Financial Earnings Performance

Company profitability
QuarterlyAnnual
Q4 23
Q1 24
Q2 24
Q3 24
Q4 24
Actual
$3.69
$2.85
$2.45
$2.42
-
Expected
$3.55
$2.61
$2.05
$2.31
$3.94
Surprise
3.94%
9.20%
19.51%
4.63%
-
Data displayed above is indicative only and its accuracy or completeness is not guaranteed. Actual execution price may vary. Past performance is not indicative of future results. Your return may be affected by currency fluctuations and applicable fees and charges. Capital at risk.
Real-time US market data is sourced from the IEX order book provided by Polygon. After-hours US market data is 15 minutes delayed and may differ significantly from the actual tradable price at market open.

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