UMB (UMBF) Reports Q4 Earnings: What Key Metrics Have to Say

UMB Financial (UMBF) reported $720.87 million in revenue for the quarter ended December 2025, representing a year-over-year increase of 63.6%. EPS of $3.08 for the same period compares to $2.49 a year ago.

The reported revenue compares to the Zacks Consensus Estimate of $678.95 million, representing a surprise of +6.18%. The company delivered an EPS surprise of +13.59%, with the consensus EPS estimate being $2.71.

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.

As these metrics influence top- and bottom-line performance, comparing them to the year-ago numbers and what analysts estimated helps investors project a stock's price performance more accurately.

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): 55.5% versus the five-analyst average estimate of 58.6%.
• Net interest margin (FTE): 3.3% versus 3% estimated by five analysts on average.
• Net loan charge-offs (recoveries) as a % of total average loans: 0.1% versus 0.2% estimated by four analysts on average.
• Tier 1 risk-based capital ratio: 11.6% versus the three-analyst average estimate of 11.3%.
• Average Balance - Total earning assets: $64.16 billion versus $64.36 billion estimated by three analysts on average.
• Tier 1 Leverage Ratio: 8.5% versus 8.4% estimated by two analysts on average.
• Total Risk-based Capital Ratio: 13.4% versus 13.3% estimated by two analysts on average.
• Total noninterest income: $198.37 million compared to the $191.34 million average estimate based on five analysts.
• Net interest income (FTE): $531.26 million compared to the $486.34 million average estimate based on four analysts.
• Net Interest Income: $522.5 million versus the three-analyst average estimate of $473.51 million.
• Service charges on deposit accounts: $27.73 million versus $29.58 million estimated by three analysts on average.
• Bankcard fees: $29.05 million compared to the $29.86 million average estimate based on three analysts.

View all Key Company Metrics for UMB here>>>

Shares of UMB have returned +4.6% over the past month versus the Zacks S&P 500 composite's +0.4% 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.

Want the latest recommendations from Zacks Investment Research? Today, you can download 7 Best Stocks for the Next 30 Days. Click to get this free report

 
UMB Financial Corporation (UMBF): Free Stock Analysis Report

This article originally published on Zacks Investment Research (zacks.com).

Zacks Investment Research