UMB (UMBF) Reports Q3 Earnings: What Key Metrics Have to Say

Core Insights - UMB Financial (UMBF) reported a revenue of $686.65 million for Q3 2025, marking a year-over-year increase of 66.4% and exceeding the Zacks Consensus Estimate of $659.26 million by 4.16% [1] - The company's EPS for the quarter was $2.70, up from $2.25 a year ago, and also surpassed the consensus EPS estimate of $2.48 by 8.87% [1] Financial Performance Metrics - The Efficiency Ratio (GAAP) was reported at 58.1%, slightly above the average estimate of 57.6% from five analysts [4] - The Net Interest Margin (FTE) was 3%, compared to the estimated 3.1% by five analysts [4] - Net loan charge-offs as a percentage of total average loans were 0.2%, matching the average estimate from four analysts [4] - The Tier 1 risk-based capital ratio stood at 11.3%, slightly above the average estimate of 11.2% from three analysts [4] - Total earning assets averaged $63.11 billion, exceeding the average estimate of $62.05 billion from three analysts [4] - The Tier 1 Leverage Ratio was reported at 8.3%, below the average estimate of 8.6% from two analysts [4] - The Total Risk-based Capital Ratio was 13.1%, compared to the estimated 13.6% from two analysts [4] - Total noninterest income reached $203.3 million, surpassing the average estimate of $185.65 million from five analysts [4] - Net interest income (FTE) was $483.36 million, exceeding the average estimate of $476.09 million from four analysts [4] - Net Interest Income was reported at $475.04 million, above the average estimate of $468.45 million from three analysts [4] - Service charges on deposit accounts were $29.15 million, slightly below the average estimate of $29.22 million from three analysts [4] - Bankcard fees totaled $29.56 million, exceeding the average estimate of $29.16 million from three analysts [4] Stock Performance - UMB shares have returned -5.1% over the past month, contrasting with the Zacks S&P 500 composite's +3.6% change [3] - The stock currently holds a Zacks Rank 3 (Hold), indicating potential performance in line with the broader market in the near term [3]