For the quarter ended June 2025, UMB Financial (UMBF) reported revenue of $689.21 million, up 73.9% over the same period last year. EPS came in at $2.96, compared to $2.16 in the year-ago quarter.
The reported revenue compares to the Zacks Consensus Estimate of $637.07 million, representing a surprise of +8.18%. The company delivered an EPS surprise of +25.96%, with the consensus EPS estimate being $2.35.
While investors scrutinize revenue and earnings changes year-over-year and how they compare with Wall Street expectations to determine their next move, some key metrics always offer a more accurate picture of a company's financial health.
Since these metrics play a crucial role in driving the top- and bottom-line numbers, comparing them with the year-ago numbers and what analysts estimated about them helps investors better project a stock's price performance.
Here is how UMB performed in the just reported quarter in terms of the metrics most widely monitored and projected by Wall Street analysts:
- Efficiency Ratio (GAAP): 53.4% compared to the 57.6% average estimate based on four analysts.
- Net interest margin (FTE): 3.1% versus 3% estimated by four analysts on average.
- Net loan charge-offs (recoveries) as a % of total average loans: 0.2% versus 0.2% estimated by three analysts on average.
- Average Balance - Total earning assets: $61.45 billion versus the three-analyst average estimate of $61.07 billion.
- Tier 1 risk-based capital ratio: 11.2% compared to the 10.5% average estimate based on two analysts.
- Total Risk-based Capital Ratio: 13.5% versus the two-analyst average estimate of 12.7%.
- Total noninterest income: $222.19 million versus the four-analyst average estimate of $180.8 million.
- Net interest income (FTE): $475.32 million compared to the $458.27 million average estimate based on four analysts.
- Bankcard fees: $29.02 million versus $27.51 million estimated by three analysts on average.
- Service charges on deposit accounts: $28.87 million versus the three-analyst average estimate of $31.93 million.
- Trust and securities processing: $83.26 million versus the three-analyst average estimate of $82.65 million.
- Net Interest Income: $467.02 million versus the two-analyst average estimate of $451.95 million.
View all Key Company Metrics for UMB here>>>
Shares of UMB have returned +3.6% over the past month versus the Zacks S&P 500 composite's +3.6% change. The stock currently has a Zacks Rank #3 (Hold), indicating that it could perform in line with the broader market in the near term.
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UMB Financial Corporation (UMBF): Free Stock Analysis ReportThis article originally published on Zacks Investment Research (zacks.com).
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