UMB Financial (NASDAQ:UMBF) Announces Quarterly Earnings Results, Beats Expectations By $0.37 EPS

UMB Financial (NASDAQ:UMBF) posted its quarterly earnings data on Tuesday. The bank reported $3.08 EPS for the quarter, topping the consensus estimate of $2.71 by $0.37, FiscalAI reports. The company had revenue of $469.80 million during the quarter, compared to analyst estimates of $677.30 million. UMB Financial had a return on equity of 12.36% and a net margin of 16.90%.UMB Financial’s quarterly revenue was up 66.0% on a year-over-year basis. During the same period in the previous year, the business earned $2.49 EPS.

UMB Financial Price Performance

UMB Financial stock opened at $124.66 on Thursday. The company has a current ratio of 0.75, a quick ratio of 0.75 and a debt-to-equity ratio of 0.07. The company has a 50-day moving average price of $117.90 and a 200 day moving average price of $115.54. UMB Financial has a 12-month low of $82.00 and a 12-month high of $129.98. The stock has a market cap of $9.47 billion, a P/E ratio of 14.12, a PEG ratio of 1.01 and a beta of 0.78.

UMB Financial Announces Dividend

The company also recently disclosed a quarterly dividend, which will be paid on Wednesday, April 1st. Investors of record on Tuesday, March 10th will be given a dividend of $0.43 per share. This represents a $1.72 annualized dividend and a yield of 1.4%. The ex-dividend date is Tuesday, March 10th. UMB Financial’s dividend payout ratio (DPR) is presently 19.48%.

Insider Activity

In other news, Director Greg M. Graves purchased 264 shares of the business’s stock in a transaction dated Monday, November 3rd. The stock was acquired at an average price of $106.41 per share, for a total transaction of $28,092.24. Following the acquisition, the director directly owned 38,411 shares of the company’s stock, valued at approximately $4,087,314.51. This represents a 0.69% increase in their ownership of the stock. The transaction was disclosed in a filing with the Securities & Exchange Commission, which is available at this hyperlink. Also, insider Nikki Farentino Newton sold 1,300 shares of the company’s stock in a transaction that occurred on Tuesday, November 4th. The shares were sold at an average price of $106.09, for a total value of $137,917.00. Following the completion of the transaction, the insider owned 13,667 shares in the company, valued at $1,449,932.03. This represents a 8.69% decrease in their ownership of the stock. Additional details regarding this sale are available in the official SEC disclosure. In the last 90 days, insiders sold 17,127 shares of company stock worth $1,949,594. Corporate insiders own 5.45% of the company’s stock.

Institutional Trading of UMB Financial

Several institutional investors and hedge funds have recently bought and sold shares of UMBF. Royal Bank of Canada boosted its stake in UMB Financial by 28.2% during the first quarter. Royal Bank of Canada now owns 42,829 shares of the bank’s stock worth $4,329,000 after buying an additional 9,417 shares during the period. NewEdge Advisors LLC raised its stake in shares of UMB Financial by 47.0% in the first quarter. NewEdge Advisors LLC now owns 5,643 shares of the bank’s stock valued at $570,000 after acquiring an additional 1,803 shares in the last quarter. UBS AM A Distinct Business Unit of UBS Asset Management Americas LLC raised its position in UMB Financial by 65.2% in the 1st quarter. UBS AM A Distinct Business Unit of UBS Asset Management Americas LLC now owns 207,881 shares of the bank’s stock valued at $21,017,000 after purchasing an additional 82,083 shares in the last quarter. Jane Street Group LLC lifted its stake in UMB Financial by 161.7% in the first quarter. Jane Street Group LLC now owns 49,877 shares of the bank’s stock worth $5,043,000 after acquiring an additional 30,820 shares during the last quarter. Finally, Cetera Investment Advisers raised its holdings in shares of UMB Financial by 6.8% in the 2nd quarter. Cetera Investment Advisers now owns 4,232 shares of the bank’s stock valued at $445,000 after purchasing an additional 269 shares in the last quarter. 87.78% of the stock is currently owned by hedge funds and other institutional investors.

Wall Street Analyst Weigh In

Several research firms recently commented on UMBF. Raymond James Financial reissued a “strong-buy” rating and issued a $135.00 price objective (down from $138.00) on shares of UMB Financial in a research note on Thursday, October 30th. Piper Sandler reaffirmed an “overweight” rating and set a $145.00 target price (down previously from $148.00) on shares of UMB Financial in a research note on Thursday, October 30th. Hovde Group initiated coverage on shares of UMB Financial in a research report on Monday, October 6th. They issued an “outperform” rating for the company. Weiss Ratings downgraded shares of UMB Financial from a “buy (b-)” rating to a “hold (c+)” rating in a research note on Monday, January 12th. Finally, Barclays reaffirmed an “overweight” rating on shares of UMB Financial in a research note on Thursday. One analyst has rated the stock with a Strong Buy rating, eight have given a Buy rating and three have issued a Hold rating to the company’s stock. Based on data from MarketBeat.com, UMB Financial currently has a consensus rating of “Moderate Buy” and an average target price of $137.10.

More UMB Financial News

Here are the key news stories impacting UMB Financial this week:

• Positive Sentiment: Q4 EPS beat and NII strength — UMBF reported $3.08 EPS (vs. ~$2.71 consensus) with net interest income the primary driver; the beat prompted an intraday rally. UMB Financial Q4 Earnings Beat on Y/Y Rise in NII, Stock Rallies
• Positive Sentiment: Dividend confirmed — Board declared a $0.43 quarterly common dividend (payable April 1, record March 10), supporting income-oriented investor interest. UMB Financial Corporation Declares Common and Preferred Dividends
• Positive Sentiment: Value-stock recognition — Zacks highlights UMBF as a top-ranked value/style pick, which could attract valuation-focused buyers. UMB Financial (UMBF) is a Top-Ranked Value Stock: Should You Buy?
• Neutral Sentiment: Earnings call transcript & slides available — Management commentary and the slide deck can clarify sustainability of NII gains and drivers of revenue; useful for near-term guidance assessment. UMB Financial Corporation (UMBF) Q4 2025 Earnings Call Transcript
• Neutral Sentiment: Earnings presentation posted — Slide deck with segment detail may show one-time items or reserve changes; worth reviewing for modeling. UMB Financial Corporation 2025 Q4 – Results – Earnings Call Presentation
• Negative Sentiment: Revenue vs. some estimates — Reported revenue was $469.8M (up 66% Y/Y) but compared unfavorably to a cited consensus figure in some reports (~$677M), raising questions about non-interest income mix or one-offs. UMB (UMBF) Reports Q4 Earnings: What Key Metrics Have to Say
• Negative Sentiment: Profitability and return metrics moderate — Net margin (~16%) and ROE (~12.2%) are solid but not exceptional; reliance on NII gains could leave results sensitive to loan/deposit trends and rates. UMB Financial Q4 Earnings / Materials

About UMB Financial

UMB Financial Corporation (NASDAQ: UMBF) is a diversified financial services holding company headquartered in Kansas City, Missouri. Through its principal banking subsidiary, UMB Bank, N.A., the company provides a full suite of commercial and consumer banking services. Key offerings include deposit accounts, commercial and consumer lending, treasury and cash management, as well as online and mobile banking solutions designed to serve businesses, individuals and municipalities.

In addition to its core banking operations, UMB Financial delivers wealth management and trust services, investment advisory, asset management and retirement planning to high-net-worth individuals, families and institutions.