UMB FINANCIAL (UMBF) Company Report

UMB Financial reported Q3 2025 net operating income of $206.5 million, or $2.70 per share, excluding acquisition and other non-recurring items.
The company achieved 8% linked quarter annualized growth in both average loans and deposits, with quarterly top line loan production surpassing $2 billion for the first time.
The full systems and brand conversion for the Heartland Financial USA, Inc. acquisition was successfully completed in early October, with all cost savings from the acquisition expected to materialize by the end of Q1 2026.
UMB Financial expects Q4 2025 operating expenses to be in the range of $375 million to $380 million and the core net interest margin to be essentially flat compared to Q3's 2.78%.
Management anticipates the Common Equity Tier 1 (CET1) ratio to return to 11% within one or two quarters.

Oct 29, 2025, 1:30 PM

UMBF Reports Strong Q3 2025 Results with Significant Loan Growth and Dividend Increase

UMBF

Earnings

Dividends

M&A

UMBF reported Q3 2025 net operating income of $206.5 million or $2.70 per share, excluding acquisition expenses and nonrecurring items.
The company achieved 8% linked quarter annualized growth in both average loans and deposits, with quarterly top-line loan production surpassing $2 billion for the first time. Loan growth outpaced peer banks, which reported a 5.5% median annualized increase.
Credit quality remained strong with an allowance for credit losses at 1.07% of total loans and total net charge-offs at 20 basis points for the quarter. The common equity tier 1 ratio increased by 31 basis points to 10.70%.
The Board of Directors declared a quarterly dividend of $0.43 per share, marking a 7.5% increase from the prior quarter and the 23rd dividend increase in the past 20 years.

Oct 29, 2025, 1:30 PM

UMB Financial Reports Strong Q3 2025 Results and Completes Heartland Financial Integration

UMBF

Earnings

M&A

Guidance Update

UMB Financial successfully completed the full systems and brand conversion of all Heartland Financial (HTLF) locations in early October 2025. The company reported net operating income for Q3 2025 of $206.5 million or $2.70 per share, excluding acquisition and other nonrecurring items.
The company experienced 8% linked quarter annualized growth in both average loans and deposits, with quarterly top line loan production surpassing $2 billion for the first time. Fee income also saw a strong increase of 12.4% on a linked quarter basis, excluding market valuation changes on equity positions.
Credit quality remained solid, with an allowance for credit losses at 1.07% of total loans and total net charge-offs at 20 basis points for Q3 2025. The common equity Tier 1 ratio increased by 31 basis points from Q2 to 10.70%.
UMB Financial's Board of Directors declared a quarterly dividend of $0.43 per share, representing a 7.5% increase from the prior quarter. For Q4 2025, the core net interest margin is expected to be essentially flat compared to Q3's 2.78%, and operating expenses are projected to be in the $375 million-$380 million range.

Oct 29, 2025, 1:30 PM

UMB Financial Corporation Reports Strong Q3 2025 Results and Increases Dividend

UMBF

Earnings

Dividends

M&A

UMB Financial Corporation reported GAAP net income available to common shareholders of $180.4 million, or $2.36 per diluted common share, for Q3 2025, an increase of 64.5% compared to Q3 2024.
Net operating income available to common shareholders for Q3 2025 was $206.5 million, or $2.70 per diluted common share, an 87.2% increase from Q3 2024.
The company's efficiency ratio improved to 58.1% in Q3 2025 from 61.7% in Q3 2024, and the net interest margin on a fully taxable equivalent basis was 3.04%, up 58 basis points from Q3 2024.
Average loans increased 52.3% to $37.1 billion, and total assets grew 51.3% to $71.9 billion at September 30, 2025, compared to September 30, 2024, reflecting strong organic growth and the impact of the Heartland Financial acquisition.
A quarterly common stock dividend of $0.43 per share was declared, marking a 7.5% increase from the prior quarter and the 23rd dividend increase in the past 20 years.

Oct 28, 2025, 8:05 PM

Earnings Transcripts

Quarterly earnings call transcripts for UMB FINANCIAL.

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