UMB Financial (UMBF) Earnings Dates, Call Summary & Reports

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Earnings Data

Report Date

Apr 28, 2026

After Close (Confirmed)

Period Ending

2026 (Q1)

Consensus EPS Forecast

2.81

Last Year’s EPS

2.58

Same Quarter Last Year

Analyst Consensus

Strong Buy

Based on 11 Analysts Ratings

Earnings Call Summary

Q4 2025

Earnings Call Date:Jan 27, 2026|

% Change Since:

Earnings Call Sentiment|Positive

The call conveyed strong operational momentum: record earnings, robust loan production (13% linked-quarter annualized), improving core margin, low credit losses (Q4 NCOs 13 bps; FY 23 bps), and successful integration of the Heartland acquisition with early synergy and product expansion wins. Near-term headwinds include merger-related one-time costs, a decline in some fee income components (market-driven), deposit flow variability, a projected reduction in purchase accounting accretion and certain nonrecurring investment gains that supported 2025. Management reiterated disciplined expense control, positive operating leverage targets for 2026, and a conservative M&A posture. Overall, the positive results, high-quality credit trends, capital build and organic growth prospects substantially outweigh the modest and largely transient lowlights.

Company Guidance

Management guided to steady margins and positive operating leverage in 2026 while flagging several specific metrics: Q4 reported NIM was 3.29% (core NIM 2.96%; adjusted margin 2.92% excluding ~33 bps of purchase-accounting accretion and a 4‑bp one‑off), and they expect Q1 margins to be relatively flat with no assumed upside from additional cuts; contractual accretion is projected at $126M for 2026 and $92M for 2027 (Q4 accretion benefit was $52.7M, ~33 bps to NIM), though they expect roughly $38M less contractual accretion in 2026 and noted ~$30M of 2025 investment gains are nonrecurring. First‑quarter operating expense is guided to $385–$390M (including an estimated $15M of higher FICA/payroll/401(k) costs), with about $10M of that seasonal payroll tax pressure expected to abate in Q2; management reaffirms the goal of positive operating leverage for the year. Balance sheet and credit commentary pointed to continued loan momentum (Q4 annualized loan growth 13%, quarterly loan production $2.6B), deposit strength (Q4 average deposits +5.6% linked‑quarter annualized; DDA linked‑quarter annualized +24.9%), a blended deposit beta of 76%, cost of total deposits down to 2.25% and cost of interest‑bearing deposits to 3.03%, Q4 net charge‑offs 13 bps (FY25 23 bps vs. long‑term avg 27 bps), NPAs $145M (37 bps), CET1 at 10.6% (Dec 31), and an expected effective tax rate of 20–22% for 2026.

Record Earnings and Strong Quarterly Profitability

Reported Q4 net income available to common shareholders of $209.5M ($2.74/share), up 16.1% from Q3; full-year 2025 net income $684.6M ($9.29/share). Net operating income (ex acquisition and nonrecurring items) was $235.2M ($3.08/share).

Improved Profitability Metrics

Return on average common equity rose to 11.27% from 10.14% sequentially; efficiency ratio improved to 55.5% from 58.1% in Q3 (and 51.8% a year ago).

Very Strong Loan Growth Outpacing Peers

Average loans grew 13% linked-quarter annualized (Q4), with quarterly loan production of $2.6B. C&I was the strongest contributor with 27% annualized growth over Q3 average balances. Peers' median loan growth reported was 4.9% versus UMB's 13%.

Healthy Deposit Growth and Core Funding Trends

Average deposits increased 5.6% linked-quarter annualized; DDA balances rose 24.9% linked-quarter annualized, helping reduce cost of total deposits by 29 bps to 2.25% and cost of interest-bearing deposits by 33 bps to 3.03%.

Net Interest Income and Core Margin Expansion

Net interest income for Q4 was $522.5M, a 10% increase from Q3. Reported NIM was 3.29%; excluding 33 bps of purchase accounting accretion, core NIM was 2.96%, up 18 bps sequentially.

Strong Asset Quality

Q4 total net charge-offs were 13 bps; full-year 2025 net charge-offs were 23 bps, below the company's long-term historical average of 27 bps. Total nonperforming loans were $145M (37 bps of loans) and criticized loans improved 9.1% from prior quarter.

Capital Build and Purchase Accounting Tailwinds

Common Equity Tier 1 ratio of 10.6% at Dec 31, up 26 bps from September. Purchase accounting accretion contributed $52.7M to NII in Q4 and provided ~33 bps benefit to NIM; projected contractual accretion estimated at $126M for 2026 and $92M for 2027.

Successful Heartland Acquisition and Geographic Expansion

Completed acquisition of Heartland Financial and opened first branch in Utah; management reported early conversion benefits, deposit and loan synergies, and new product rollouts (e.g., credit card, mortgage opportunity) with optimistic forward-looking contribution.

Fee Businesses and Institutional Momentum

Trust and securities processing income increased $4.5M (5.1% linked quarter). Fund services and custody added 15 new fund families in 2025 (109 new funds total). Sale of Voyager position realized an approximate $17M net gain (nearly 4x multiple, ~30% IRR since IPO).

Expense Discipline with Near-Term Integration Costs Managed

Operating noninterest expense excluding merger and other one-time costs was $391.8M (up 1.8% q/q). Management expects Q1 operating expense of $385M–$390M and reiterated commitment to achieve positive operating leverage in 2026.

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

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UMBF Earnings History

Report Date	Fiscal Quarter	Forecast / EPS	Last Year's EPS	EPS YoY Change	Slides	Play Transcript
Apr 28, 2026	2026 (Q1)	2.81 / -	2.58	―	―	―
Jan 27, 2026	2025 (Q4)	2.70 / 3.08	2.49	23.69% (+0.59)
Sep 30, 2025	2025 (Q3)	2.50 / 2.70	2.25	20.00% (+0.45)	―	―
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)

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
Jan 27, 2026	$124.86	$124.66	-0.16%
Sep 30, 2025	$117.90	$117.85	-0.04%
Jul 31, 2025	$109.22	$107.63	-1.45%
Apr 29, 2025	$96.77	$93.55	-3.32%

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 Apr 28, 2026, After Close (Confirmed).

What is UMB Financial Corp (UMBF) earnings time?

UMB Financial Corp (UMBF) earnings time is at Apr 28, 2026, After Close (Confirmed).

Where can I see when companies are reporting earnings?

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What companies are reporting earnings today?

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What is UMBF EPS forecast?

UMBF EPS forecast for the fiscal quarter 2026 (Q1) is 2.81.