UMB Financial (NASDAQ:UMBF) Announces Quarterly Earnings Results

UMB Financial (NASDAQ:UMBF) announced its earnings results on Tuesday. The bank reported $3.41 EPS for the quarter, topping the consensus estimate of $2.82 by $0.59, FiscalAI reports. The firm had revenue of $739.16 million for the quarter, compared to the consensus estimate of $701.89 million. UMB Financial had a net margin of 16.90% and a return on equity of 12.14%. The business’s quarterly revenue was up 31.1% on a year-over-year basis. During the same period last year, the company posted $2.58 EPS.

Here are the key takeaways from UMB Financial’s conference call:

• The company completed its largest acquisition, the Heartland Financial transaction and full system conversion in October 2025, reporting strong early growth in the new markets and expecting continued expansion now that the operating companies are combined.
• UMB reported significant improvements in profitability metrics and “solid growth on both sides of the balance sheet” in 2025, while emphasizing that asset quality was maintained.
• Shareholders approved an amendment to the Omnibus Incentive Compensation Plan that increases the share pool by 3 million shares and removes the plan termination date, which could introduce future dilution or compensation-related overhang.
• Governance items received strong shareholder support—each director was re-elected with over 96% approval, the advisory executive compensation vote passed with over 96%, and KPMG was ratified as auditor with over 98%—indicating broad investor backing and board stability.

UMB Financial Stock Performance

UMBF stock traded up $1.30 during midday trading on Thursday, reaching $125.52. 90,119 shares of the company were exchanged, compared to its average volume of 582,013. The business has a 50-day moving average price of $117.20 and a two-hundred day moving average price of $117.31. The firm has a market capitalization of $9.56 billion, a price-to-earnings ratio of 13.75, a price-to-earnings-growth ratio of 1.01 and a beta of 0.75. UMB Financial has a one year low of $94.48 and a one year high of $136.11. The company has a debt-to-equity ratio of 0.06, a current ratio of 0.75 and a quick ratio of 0.75.

UMB Financial Dividend Announcement

The business also recently disclosed a quarterly dividend, which will be paid on Wednesday, July 1st. Shareholders of record on Wednesday, June 10th will be given a dividend of $0.43 per share. This represents a $1.72 dividend on an annualized basis and a yield of 1.4%. The ex-dividend date of this dividend is Wednesday, June 10th. UMB Financial’s payout ratio is 18.84%.

Analyst Ratings Changes

Several brokerages have commented on UMBF. Citigroup raised their target price on shares of UMB Financial from $120.00 to $138.00 and gave the stock a “neutral” rating in a report on Thursday, January 29th. Royal Bank Of Canada reissued an “outperform” rating on shares of UMB Financial in a research report on Thursday. Truist Financial cut their price objective on shares of UMB Financial from $150.00 to $130.00 and set a “buy” rating on the stock in a research report on Monday, March 23rd. Hovde Group boosted their price objective on shares of UMB Financial from $145.00 to $150.00 and gave the stock an “outperform” rating in a research report on Wednesday. Finally, Weiss Ratings raised shares of UMB Financial from a “buy (b-)” rating to a “buy (b)” rating in a research note on Monday. One equities research analyst has rated the stock with a Strong Buy rating, nine have given a Buy rating and three have assigned a Hold rating to the stock. According to MarketBeat.com, the stock presently has an average rating of “Moderate Buy” and an average target price of $143.45.

Insider Activity at UMB Financial

In other UMB Financial news, Director Greg M. Graves purchased 220 shares of the firm’s stock in a transaction that occurred on Monday, February 2nd. The shares were acquired at an average cost of $127.83 per share, for a total transaction of $28,122.60. Following the completion of the purchase, the director owned 39,541 shares of the company’s stock, valued at approximately $5,054,526.03. The trade was a 0.56% increase in their position. The purchase was disclosed in a filing with the Securities & Exchange Commission, which is accessible through the SEC website. Also, Director Kevin Charles Gallagher sold 388 shares of the company’s stock in a transaction dated Tuesday, February 3rd. The shares were sold at an average price of $129.30, for a total transaction of $50,168.40. Following the completion of the transaction, the director owned 12,488 shares in the company, valued at $1,614,698.40. This trade represents a 3.01% decrease in their ownership of the stock. Additional details regarding this sale are available in the official SEC disclosure. Over the last three months, insiders have sold 19,102 shares of company stock worth $2,458,247. Corporate insiders own 5.33% of the company’s stock.

Hedge Funds Weigh In On UMB Financial

Institutional investors and hedge funds have recently modified their holdings of the business. Kemnay Advisory Services Inc. acquired a new position in shares of UMB Financial in the fourth quarter valued at about $27,000. EverSource Wealth Advisors LLC lifted its position in UMB Financial by 193.5% during the second quarter. EverSource Wealth Advisors LLC now owns 405 shares of the bank’s stock worth $43,000 after purchasing an additional 267 shares during the period. Global Retirement Partners LLC lifted its position in UMB Financial by 419.2% during the fourth quarter. Global Retirement Partners LLC now owns 405 shares of the bank’s stock worth $47,000 after purchasing an additional 327 shares during the period. Northwestern Mutual Wealth Management Co. lifted its position in UMB Financial by 88.1% during the third quarter. Northwestern Mutual Wealth Management Co. now owns 425 shares of the bank’s stock worth $50,000 after purchasing an additional 199 shares during the period. Finally, Kestra Advisory Services LLC bought a new stake in UMB Financial during the fourth quarter worth about $69,000. 87.78% of the stock is currently owned by institutional investors and hedge funds.

UMB Financial Company Profile

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.