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UMB Financial Corp (UMBF)
NASDAQ:UMBF
Earnings Data
Report Date
Jul 29, 2025TBA Not Confirmed
Period Ending
2025 (Q2)Consensus EPS Forecast
2.38Last Year’s EPS
2.16Same Quarter Last Year
Moderate Buy
Based on 11 Analysts Ratings
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Earnings Call Summary
Earnings Call Date:Apr 29, 2025
|% Change Since: 9.44%
|Next Earnings Date:Jul 29, 2025
Earnings Call Sentiment|Positive
The earnings call presented a generally positive outlook with strong growth in loans, deposits, and fee income following the Heartland acquisition. However, there are concerns related to merger-related expenses and the uncertain economic environment.Company Guidance
In the first quarter of 2025, UMB Financial reported strong results, driven in part by the completion of their acquisition of Heartland. This acquisition added over $14 billion in deposits, doubling their branch presence across 13 states, and contributed to a 32.3% increase in average deposits to $50.3 billion. The cost synergies from the acquisition were on track, improving the operating efficiency ratio to 55.6% and the operating return on assets (ROA) to 1.14%. Excluding acquisition-related and non-recurring charges, net operating income available to common shareholders was $168.9 million, or $2.58 per share. Average loans grew by 27.8% to $32.3 billion, with legacy UMB loans increasing by 8.3% on a linked quarter basis. The company's net interest margin expanded, and they reported $62.1 million in day-one provisioning and $54.2 million in merger-related charges. Looking forward, UMB expects strong loan growth and continued integration benefits from Heartland, while maintaining asset quality, as evidenced by a low non-performing loans ratio of 8 basis points.Successful Acquisition of Heartland
UMB Financial completed the acquisition of Heartland on January 31, adding over $14 billion in deposits and doubling its branch presence across 13 states.
Improvement in Key Financial Metrics
Operating efficiency ratio improved to 55.6% and operating ROA to 1.14%. Average loans increased by 27.8% to $32.3 billion, and average deposits increased by 32.3% to $50.3 billion on a linked quarter basis.
Strong Loan and Deposit Growth
Legacy UMB saw an 8.3% linked quarter annualized increase in loan balances and a 27.3% linked quarter annualized increase in total deposits.
Robust Fee Income Growth
Credit and debit card purchase volume reached $5.4 billion in the first quarter, up 18.6% year-over-year. Assets under administration increased 16% year-over-year to $559 billion.
Positive Momentum in Institutional Businesses
Corporate trust AUA grew 25% over the last twelve months to $48.6 billion, and strong pipeline opportunities exist in CLO Trustee and loan administration businesses.
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UMBF Earnings History
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
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UMBF Earnings-Related Price Changes
Report Date | Price 1 Day Before | Price 1 Day After | Percentage Change |
|---|---|---|---|
Apr 29, 2025 | $97.82 | $94.57 | -3.32% |
Jan 28, 2025 | $121.15 | $122.08 | +0.77% |
Oct 29, 2024 | $105.90 | $110.35 | +4.20% |
Jul 30, 2024 | $97.97 | $100.91 | +3.00% |
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.
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FAQ
When does UMB Financial Corp (UMBF) report earnings?
UMB Financial Corp (UMBF) is schdueled to report earning on Jul 29, 2025, TBA Not Confirmed.
What is UMB Financial Corp (UMBF) earnings time?
UMB Financial Corp (UMBF) earnings time is at Jul 29, 2025, TBA Not 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 (Q2) is 2.38.
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