UMB Financial (UMBF) reported $686.65 million in revenue for the quarter ended September 2025, representing a year-over-year increase of 66.4%. EPS of $2.70 for the same period compares to $2.25 a year ago.
The reported revenue compares to the Zacks Consensus Estimate of $659.26 million, representing a surprise of +4.16%. The company delivered an EPS surprise of +8.87%, with the consensus EPS estimate being $2.48.
While investors closely watch year-over-year changes in headline numbers -- revenue and earnings -- and how they compare to Wall Street expectations to determine their next course of action, some key metrics always provide a better insight into a company's underlying performance.
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): 58.1% versus the five-analyst average estimate of 57.6%.
- Net interest margin (FTE): 3% versus 3.1% estimated by five analysts on average.
- Net loan charge-offs (recoveries) as a % of total average loans: 0.2% versus 0.2% estimated by four analysts on average.
- Tier 1 risk-based capital ratio: 11.3% versus the three-analyst average estimate of 11.2%.
- Average Balance - Total earning assets: $63.11 billion versus the three-analyst average estimate of $62.05 billion.
- Tier 1 Leverage Ratio: 8.3% versus the two-analyst average estimate of 8.6%.
- Total Risk-based Capital Ratio: 13.1% versus 13.6% estimated by two analysts on average.
- Total noninterest income: $203.3 million versus the five-analyst average estimate of $185.65 million.
- Net interest income (FTE): $483.36 million versus $476.09 million estimated by four analysts on average.
- Net Interest Income: $475.04 million versus the three-analyst average estimate of $468.45 million.
- Service charges on deposit accounts: $29.15 million compared to the $29.22 million average estimate based on three analysts.
- Bankcard fees: $29.56 million versus $29.16 million estimated by three analysts on average.
View all Key Company Metrics for UMB here>>>
Shares of UMB have returned -5.1% 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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