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UMB Financial UMBF Q3 2024 earnings

Reported October 29, 2024 · After market close

Revenue$363.9MMiss by $35.0M
EPS$2.19Miss by $0.01
Revenue estimate$398.9M
EPS estimate$2.20

Next report

Oct 27, 2026 (in 3 months)
Revenue estimate$740.4M
EPS estimate$3.16

Financials

Q3 2024

Income statement

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Revenue$406.1M+14.2%
Net income$109.6M+13.6%
EPS (diluted)$2.23+12.6%

Balance sheet

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Total debt$1.4B-46.5%
Total equity$3.5B+26.0%
Total assets$47.5B+14.5%

Cash flow

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Operating cash flow$123.6M-46.8%
CapEx$4.3M-28.9%
Free cash flow$119.4M-47.2%

Valuation & ratios

Valuation

as of 09/30/24
See full
Market cap$5.12B+70.2%
Enterprise value$6.56B+15.2%
P/E13.1×+5.1×
P/S3.3×+1.2×

Profitability

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Net margin25%-0.9pp
FCF margin23.5%-10.2pp

Returns & leverage

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Return on equity12.4%-1.9pp
Debt / equity0.4×-0.6×

Segments

By product

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Fiduciary And Trust$74.2M+11.3%
Credit Card$32.6M+14.0%
Deposit Account$20.1M-4.7%
Brokerage Fees$15.7M+17.5%
Other Financial Services$2.6M+50.6%

By segment

See full
Institutional Banking$89.5M+9.8%
Commercial Banking$32.0M+19.0%
Personal Banking$24.2M+3.3%

Versus estimates

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Questions, answered.

When did UMB Financial report Q3 2024 earnings?
UMB Financial (UMBF) reported Q3 2024 earnings on October 29, 2024 after market close.
What were UMB Financial's Q3 2024 revenue and EPS?
UMB Financial reported revenue of $363.9M and eps of $2.19 for Q3 2024.
Did UMB Financial beat estimates in Q3 2024?
Revenue missed the consensus estimate of $398.9M by $35.0M. EPS missed the consensus estimate of $2.20 by $0.01.
Where can I find UMB Financial's Q3 2024 SEC filings?
You can read the 10-Q periodic report (0000950170-24-119267) directly on SEC EDGAR. The filing index links above go to sec.gov.