UMB Financial (NASDAQ:UMBF) Posts Quarterly Earnings Results, Beats Estimates By $0.34 EPS

UMB Financial (NASDAQ:UMBF) released its quarterly earnings results on Tuesday. The bank reported $3.56 earnings per share (EPS) for the quarter, topping the consensus estimate of $3.22 by $0.34, FiscalAI reports. UMB Financial had a return on equity of 13.41% and a net margin of 21.64%. The business had revenue of $772.39 million during the quarter, compared to the consensus estimate of $744.81 million. During the same quarter in the previous year, the company posted $2.70 EPS. The business’s revenue was up 13.9% on a year-over-year basis.

UMB Financial Trading Up 2.2%

Shares of UMBF traded up $2.97 during mid-day trading on Thursday, reaching $135.31. The company had a trading volume of 205,804 shares, compared to its average volume of 873,602. UMB Financial has a fifty-two week low of $68.92 and a fifty-two week high of $144.36. The firm has a fifty day simple moving average of $136.14 and a 200-day simple moving average of $131.05. The stock has a market cap of $10.28 billion, a price-to-earnings ratio of 11.27, a price-to-earnings-growth ratio of 0.63 and a beta of 0.82. The company has a current ratio of 0.76, a quick ratio of 0.76 and a debt-to-equity ratio of 0.06.

UMB Financial Dividend Announcement

The business also recently declared a quarterly dividend, which will be paid on Monday, January 4th. Shareholders of record on Thursday, December 10th will be paid a dividend of $0.50 per share. The ex-dividend date of this dividend is Thursday, December 10th. This represents a $2.00 dividend on an annualized basis and a yield of 1.5%. UMB Financial’s dividend payout ratio (DPR) is currently 16.65%.

Insiders Place Their Bets

In related news, insider Nikki Farentino Newton sold 2,000 shares of UMB Financial stock in a transaction on Tuesday, August 4th. The stock was sold at an average price of $148.60, for a total value of $297,200.00. Following the transaction, the insider owned 11,981 shares in the company, valued at approximately $1,780,376.60. This trade represents a 14.31% decrease in their ownership of the stock. The sale was disclosed in a legal filing with the Securities & Exchange Commission, which can be accessed through the SEC website. Also, Director Susan Murphy sold 1,377 shares of the firm’s stock in a transaction dated Thursday, August 6th. The stock was sold at an average price of $145.55, for a total value of $200,422.35. Following the completion of the transaction, the director owned 10,635 shares in the company, valued at approximately $1,547,924.25. This trade represents a 11.46% decrease in their ownership of the stock. Additional details regarding this sale are available in the official SEC disclosure. In the last ninety days, insiders sold 25,544 shares of company stock worth $3,775,862. Corporate insiders own 5.33% of the company’s stock.

Wall Street Analyst Weigh In

Several research firms have weighed in on UMBF. Weiss Ratings restated a “buy (b)” rating on shares of UMB Financial in a report on Thursday, October 22nd. Stephens began coverage on shares of UMB Financial in a report on Tuesday, July 14th. They issued an “overweight” rating and a $167.00 price target on the stock. Raymond James Financial started coverage on shares of UMB Financial in a research report on Thursday, August 27th. They issued an “outperform” rating and a $165.00 price target on the stock. Barclays reissued an “overweight” rating and set a $175.00 price objective (up from $170.00) on shares of UMB Financial in a research note on Monday, August 3rd. Finally, Piper Sandler cut their price objective on UMB Financial from $181.00 to $169.00 and set an “overweight” rating for the company in a research report on Thursday. One analyst has rated the stock with a Strong Buy rating, eleven have given a Buy rating and four have issued a Hold rating to the company. Based on data from MarketBeat.com, the stock presently has an average rating of “Moderate Buy” and a consensus target price of $162.00.

UMB Financial News Summary

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

• Positive Sentiment: UMB Financial reported third-quarter earnings of $3.56 per share, well above the $3.22 analyst consensus and up from $2.70 a year earlier. Revenue rose 13.9% year over year to $772.4 million, exceeding estimates of $744.8 million. Stronger net interest income and fee income were key contributors. UMB Financial Surpasses Q3 Earnings and Revenue Estimates
• Positive Sentiment: The bank agreed to acquire El Dorado Savings Bank for approximately $506 million. The transaction is expected to close in the first quarter of 2027 and would expand UMB Financial’s branch network and geographic reach into California and Nevada, potentially providing additional deposit, lending and fee-income opportunities. UMB Financial to Acquire El Dorado Savings Bank for $506M
• Positive Sentiment: UMB Financial declared a quarterly dividend of $0.50 per share, equivalent to $2.00 annually and a yield of roughly 1.5%. The payment is scheduled for January 4, 2027, for shareholders of record on December 10. UMB Financial Declares Quarterly Dividend
• Neutral Sentiment: Analysts cited UMB Financial’s value characteristics, including a price-to-earnings ratio near 11, while the average analyst price target is approximately $162.86—above the recent trading level. These factors may reinforce the bullish case but do not guarantee further gains. Why UMB Financial Is a Strong Value Stock
• Negative Sentiment: Management expects fourth-quarter operating expenses of approximately $400 million to $405 million as it advances the El Dorado transaction. Elevated expenses and deal-execution or integration risks could weigh on near-term profitability.

About UMB Financial

UMB Financial Corporation is a financial holding company headquartered in Kansas City, Missouri. Its principal subsidiary, UMB Bank, provides banking and financial services to individuals, businesses, institutions and government entities. The company serves customers through banking offices and digital channels across the Midwest and other U.S. markets.

UMB Bank offers commercial and personal banking products, including deposit accounts, loans, treasury management, payment services and credit solutions.