UMB Financial (UMBF) Q2 2025 Earnings Transcript
Written by Emily J. Thompson, Senior Investment Analyst
Updated: 4d ago
0mins
Source: NASDAQ.COM
Trade with 70% Backtested Accuracy
Stop guessing "Should I Buy UMBF?" and start using high-conviction signals backed by rigorous historical data.
Sign up today to access powerful investing tools and make smarter, data-driven decisions.
Analyst Views on UMBF
Wall Street analysts forecast UMBF stock price to rise over the next 12 months. According to Wall Street analysts, the average 1-year price target for UMBF is 141.86 USD with a low forecast of 130.00 USD and a high forecast of 155.00 USD. However, analyst price targets are subjective and often lag stock prices, so investors should focus on the objective reasons behind analyst rating changes, which better reflect the company's fundamentals.
9 Analyst Rating
8 Buy
1 Hold
0 Sell
Strong Buy
Current: 127.270
Low
130.00
Averages
141.86
High
155.00
Current: 127.270
Low
130.00
Averages
141.86
High
155.00
About UMBF
UMB Financial Corporation is a financial services company. Its segments include Commercial Banking, Institutional Banking, and Personal Banking. It offers commercial banking, which includes comprehensive deposit, lending, investment and retirement plan services; personal banking, which includes comprehensive deposit, lending, wealth management and financial planning services; and institutional banking, which includes asset servicing, corporate trust solutions, investment banking and healthcare services. Commercial Banking serves the commercial banking and treasury management needs of its small to middle-market businesses through a variety of products and services. Institutional Banking is a combination of banking services, fund services, asset management services, and healthcare services provided to institutional clients. Personal Banking products include deposit accounts, retail credit cards, private banking, installment loans, home equity lines of credit, and residential mortgages.
About the author
Emily J. Thompson
Emily J. Thompson, a Chartered Financial Analyst (CFA) with 12 years in investment research, graduated with honors from the Wharton School. Specializing in industrial and technology stocks, she provides in-depth analysis for Intellectia’s earnings and market brief reports.
UMB Financial Corporation Reports Strong Q4 2025 Earnings and Growth
- Acquisition Success: UMB Financial's acquisition of Heartland Financial led to a 13% annualized growth in loans and a 5.6% increase in deposits, demonstrating the company's strong performance in market share and customer acquisition, further solidifying its competitive position in the financial services sector.
- Profitability Improvement: The fourth quarter net income reached $209.5 million, with earnings per share of $2.74, reflecting a 16.1% increase from Q3, indicating significant enhancements in asset quality and profitability metrics, which are expected to lay a solid foundation for future business expansion.
- Operational Efficiency Optimization: The efficiency ratio improved from 58.1% to 55.5%, showcasing effective strategies in cost control and resource allocation by management, which is anticipated to drive positive operating leverage in 2026.
- Positive Outlook: Despite an expected $38 million decrease in contractual purchase accounting benefits in 2026, management remains optimistic about future loan activity and market opportunities, emphasizing a continued focus on organic growth and asset quality enhancement.
Continue Reading
UMB Financial Reports Strong Q4 Earnings Beat
- Strong Earnings Performance: UMB Financial's Q4 GAAP EPS of $3.08 exceeds expectations by $0.61, demonstrating a significant enhancement in profitability that boosts investor confidence.
- Significant Revenue Growth: The company reported Q4 revenue of $720.91 million, a 66.0% year-over-year increase, surpassing market expectations by $43.14 million, indicating robust business expansion and strong market demand.
- Improved Net Interest Margin: The net interest margin on a fully taxable equivalent basis rose to 3.29%, up 72 basis points from Q4 2024, reflecting the company's strengthened competitiveness in the current interest rate environment.
- Enhanced Efficiency Ratio: The GAAP efficiency ratio improved to 55.5%, a notable decrease from 61.8% in Q4 2024, showcasing the company's success in cost control and operational efficiency.
Continue Reading