UMB Financial (UMBF) Tops Q2 Earnings and Revenue Estimates

Core Insights - UMB Financial (UMBF) reported quarterly earnings of $2.96 per share, exceeding the Zacks Consensus Estimate of $2.35 per share, and showing an increase from $2.16 per share a year ago, resulting in an earnings surprise of +25.96% [1] - The company achieved revenues of $689.21 million for the quarter ended June 2025, surpassing the Zacks Consensus Estimate by 8.18%, and up from $396.43 million year-over-year [2] - UMB has consistently surpassed consensus EPS and revenue estimates over the last four quarters [2] Earnings Outlook - The current consensus EPS estimate for the upcoming quarter is $2.38 on revenues of $646.55 million, while for the current fiscal year, the estimate is $9.75 on revenues of $2.52 billion [7] - The earnings outlook will be influenced by management's commentary during the earnings call and the trends in earnings estimate revisions [3][4] Industry Context - UMB operates within the Zacks Banks - Midwest industry, which is currently ranked in the top 16% of over 250 Zacks industries, indicating a favorable industry outlook [8] - The performance of UMB's stock may be affected by the overall industry trends, as research indicates that the top 50% of Zacks-ranked industries outperform the bottom 50% by more than 2 to 1 [8]