The earnings call reflects a strong financial performance with significant achievements in investment gains and positive growth in loans and deposits. Successful integration of the Heartland acquisition and solid credit metrics further reinforce the positive outlook. However, acquisition-related expenses and potential seasonal impacts on deposit costs are areas to monitor.

Company Guidance

During UMB Financial's second quarter 2025 earnings call, the company provided robust guidance with several key metrics highlighting their financial performance and strategic initiatives. The reported net income available to common shareholders was $215.4 million, while the net operating income, excluding acquisition expenses and nonrecurring items, was $225.4 million, translating to $2.96 per share. Key drivers included a $37.7 million pretax gain on prior investments, notably a $29.4 million gain from Voyager Technologies. UMB's average loans increased by 12.7% to $36.4 billion, and average deposits rose by 10.7% to $55.6 billion, reflecting solid organic growth and contributions from the Heartland acquisition. Their core net interest margin expanded by 8 basis points, and the bank maintained strong credit metrics, with total net charge-offs at 17 basis points. The CET1 ratio improved to 10.39%, supported by a $294 million Tier 1 capital raise. Looking ahead, UMB expects operating expenses in the third quarter to be slightly higher, between $380 million and $385 million, driven by merit increases and increased incentive accruals. The company anticipates continued strong deposit growth and positive operating leverage, with their effective tax rate for 2025 projected between 19% and 21%.

Strong Financial Performance

Net income available for common shareholders was $215.4 million, with a net operating income of $225.4 million or $2.96 per share, excluding one-time expenses.

Successful Investment Gains

Achieved a $37.7 million pretax gain on prior investments, including a $29.4 million gain from Voyager Technologies, equating to a multiple on invested capital of 5.8x and an IRR of 59%.

Loan and Deposit Growth

Average loans increased by 12.7% to $36.4 billion, and average deposits increased by 10.7% to $55.6 billion, reflecting solid organic growth.

Positive Operating Leverage

An 8 basis point expansion in core net interest margin and double-digit balance sheet growth contributed to strong positive operating leverage.

Successful Acquisition Integration

Completed the pilot conversion of Heartland's Minnesota franchise to the UMB platform, setting the stage for full conversion in October.

Solid Credit Metrics

Net charge-offs were 17 basis points, with total nonperforming loans improving to 26 basis points, and a CET1 ratio of 10.39%.

UMB Financial (UMBF) Earnings, Revenues Date & History

The upcoming earnings date is based on a company’s previous reporting, and may be updated when the actual date is announced

Daily Earnings Calendar >

UMBF Earnings History

Report Date	Fiscal Quarter	Forecast / EPS	Last Year's EPS	EPS YoY Change	Slides	Play Transcript
Oct 28, 2025	2025 (Q3)	2.47 / -	2.25	―	―	―
Jul 31, 2025	2025 (Q2)	2.38 / 2.96	2.16	37.04% (+0.80)
Apr 29, 2025	2025 (Q1)	2.19 / 2.58	2.47	4.45% (+0.11)
Jan 28, 2025	2024 (Q4)	2.26 / 2.49	2.29	8.73% (+0.20)
Oct 29, 2024	2024 (Q3)	2.20 / 2.25	2.02	11.39% (+0.23)
Jul 30, 2024	2024 (Q2)	2.01 / 2.16	1.93	11.92% (+0.23)
Apr 29, 2024	2024 (Q1)	1.80 / 2.47	1.91	29.32% (+0.56)
Jan 30, 2024	2023 (Q4)	1.76 / 2.29	2.07	10.63% (+0.22)
Oct 24, 2023	2023 (Q3)	1.77 / 2.02	1.82	10.99% (+0.20)
Jul 25, 2023	2023 (Q2)	1.93 / 1.93	1.884	2.44% (+0.05)

The table shows recent earnings report dates and whether the forecast was beat or missed. See the change in forecast and EPS from the previous year.

Beat

Missed

UMBF Earnings-Related Price Changes

Report Date	Price 1 Day Before	Price 1 Day After	Percentage Change
Jul 31, 2025	$109.99	$108.39	-1.45%
Apr 29, 2025	$97.45	$94.21	-3.32%
Jan 28, 2025	$120.69	$121.62	+0.77%
Oct 29, 2024	$105.50	$109.93	+4.20%

Earnings announcements can affect a stock’s price. This table shows the stock's price the day before and the day after recent earnings reports, including the percentage change.

FAQ

When does UMB Financial Corp (UMBF) report earnings?

UMB Financial Corp (UMBF) is schdueled to report earning on Oct 28, 2025, After Close (Confirmed).

What is UMB Financial Corp (UMBF) earnings time?

UMB Financial Corp (UMBF) earnings time is at Oct 28, 2025, After Close (Confirmed).

Where can I see when companies are reporting earnings?

You can see which companies are reporting today on our designated earnings calendar.

What companies are reporting earnings today?

You can see a list of the companies which are reporting today on TipRanks earnings calendar.

What is UMBF EPS forecast?

UMBF EPS forecast for the fiscal quarter 2025 (Q3) is 2.47.

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