UMB (UMBF) Q1 Earnings: Taking a Look at Key Metrics Versus Estimates

Core Insights - UMB Financial (UMBF) reported a revenue of $571.34 million for Q1 2025, marking a 41$2.58, up from $2.47 a year ago, representing a surprise of 16.74$2.21 [1] Financial Performance Metrics - Efficiency Ratio (GAAP) was reported at 65.2%, higher than the average estimate of 59.5% from four analysts [4] - Net interest margin (FTE) stood at 3%, slightly above the average estimate of 2.9% from four analysts [4] - Net loan charge-offs as a percentage of total average loans were 0.5%, exceeding the average estimate of 0.2% from three analysts [4] - Average balance of total earning assets was $55.54 billion, surpassing the average estimate of$53.50 billion from three analysts [4] - Tier 1 risk-based capital ratio was reported at 10.4%, above the average estimate of 9.6% from two analysts [4] - Tier 1 Leverage Ratio was 8.5%, compared to the estimated 8.1% from two analysts [4] - Total Risk-based Capital Ratio was 12.5%, exceeding the average estimate of 11.6% from two analysts [4] - Net interest income (FTE) was $405.14 million, higher than the average estimate of$381.93 million from four analysts [4] - Total noninterest income was $166.20 million, below the average estimate of$177.22 million from four analysts [4] - Bankcard fees reached $26.29 million, exceeding the average estimate of$21.50 million from three analysts [4] - Service charges on deposit accounts were $27.46 million, lower than the average estimate of$32.17 million from three analysts [4] - Trust and securities processing income was $79.78 million, slightly above the average estimate of$79.38 million from three analysts [4] Stock Performance - UMB shares have returned -5.1% over the past month, compared to a -0.8% change in the Zacks S&P 500 composite [3] - The stock currently holds a Zacks Rank 4 (Sell), indicating potential underperformance relative to the broader market in the near term [3]