The earnings call presents a strong performance in terms of net income, investment gains, and loan and deposit growth, despite challenges related to the integration of Heartland and seasonal deposit pressures. The successful pilot conversion and preferred stock offering further contribute to a positive outlook.

Company Guidance -

Q3 2025

During the UMB Financial Second Quarter 2025 Financial Results Conference Call, the company provided guidance on various financial metrics for the upcoming quarters. UMB reported a strong net income available for common shareholders of $215.4 million, including $13.5 million in acquisition expenses, and a net operating income of $225.4 million or $2.96 per share when excluding nonrecurring items. The company highlighted a significant $37.7 million pretax gain from prior investments, with a notable $29.4 million gain from its investment in Voyager Technologies. UMB's average loans increased by 12.7% to $36.4 billion, while average deposits rose by 10.7% to $55.6 billion. The core net interest margin expanded by 8 basis points, and the company expects the third-quarter margin to remain flat. Credit metrics showed improvement, with net charge-offs at 17 basis points and nonperforming loans improving to 26 basis points. UMB also completed an offering of Series B preferred stock, netting $294 million in Tier 1 capital, and anticipates further cost savings from the Heartland acquisition in the fourth and first quarters. Looking ahead, the effective tax rate for the full year 2025 is expected to be between 19% and 21%.

Strong Net Income and Operating Performance

Reported net income available for common shareholders was $215.4 million, with a strong net operating income of $225.4 million or $2.96 per share, excluding acquisition expenses and nonrecurring items.

Significant Investment Gains

A $37.7 million pretax gain on prior investments, including a $29.4 million gain from Voyager Technologies, with a multiple on invested capital of 5.8x and an internal rate of return of 59%.

Loan and Deposit Growth

Average loans increased by 12.7% to $36.4 billion, and average deposits grew by 10.7% to $55.6 billion, reflecting solid organic growth and the impact of Heartland operations.

Improved Credit Metrics

Net charge-offs for the quarter were 17 basis points, with total nonperforming loans to total loans improving by 2 basis points to 26 basis points.

Successful Pilot Conversion of Heartland

Successfully executed a pilot conversion of Heartland's Minnesota franchise onto the core UMB platform, positioning well for full conversion in mid-October.

Preferred Stock Offering

Completed an offering of Series B preferred stock, netting $294 million of Tier 1 capital, and redeemed $115 million in outstanding Series A preferred stock.

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)	2.44 / -	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 2.44.

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