When did UMB Financial report Q3 2025 earnings?

UMB Financial (UMBF) reported Q3 2025 earnings on October 28, 2025 after market close.

What were UMB Financial's Q3 2025 revenue and EPS?

UMB Financial reported revenue of $1.1B and eps of $2.70 for Q3 2025.

Did UMB Financial beat estimates in Q3 2025?

Revenue beat the consensus estimate of $661.6M by $425.8M. EPS beat the consensus estimate of $2.50 by $0.20.

How did UMB Financial's Q3 2025 results compare year-over-year?

Compared to the same quarter a year prior, revenue grew 198.8% from $363.9M a year earlier and eps grew 23.3% from $2.19.

Where can I find UMB Financial's Q3 2025 SEC filings?

You can read the 10-Q periodic report (0001193125-25-257610) directly on SEC EDGAR. The filing index links above go to sec.gov.

UMB Financial UMBF Q3 2025 earnings

Reported October 28, 2025 · After market close

Revenue$1.1BBeat by $425.8M

EPS$2.70Beat by $0.20

Revenue estimate$661.6M

EPS estimate$2.50

Next report

Oct 27, 2026 (in 3 months)

Revenue estimate$740.4M

EPS estimate$3.16

Financials

Q3 2025

Income statement

See full

Revenue$678.3M+67.0%

Net income$188.3M+71.8%

EPS (diluted)$2.36+5.8%

Balance sheet

See full

Total debt$471.3M-67.1%

Total equity$7.4B+111%

Total assets$71.9B+51.3%

Cash flow

See full

Operating cash flow$272.2M+120%

CapEx$14.4M+235%

Free cash flow$257.8M+116%

Valuation & ratios

Valuation

as of 09/30/25

See full

Market cap$8.99B+75.4%

Enterprise value$9.46B+44.2%

P/E14.8×+1.7×

P/S3.8×+0.5×

Profitability

See full

Net margin25.7%+0.6pp

Returns & leverage

See full

Return on equity11.1%-1.3pp

Debt / equity0.1×-0.3×

Segments

By product

See full

Fiduciary And Trust$87.9M+18.5%

Credit Card$42.6M+30.8%

Deposit Account$29.1M+45.2%

Brokerage Fees$20.5M+30.0%

Other Financial Services$4.0M+53.0%

By segment

See full

Institutional Banking$103.7M+15.9%

Commercial Banking$46.6M+45.4%

Personal Banking$34.2M+41.7%

Versus estimates

Revenue

Q2 2026$778.0MBeat by $50.4M Q1 2026$739.2MBeat by $37.4M Q4 2025$720.9MBeat by $43.1M

Q3 2025$1.1BBeat by $425.8M

Q2 2025$633.2MMiss by $18.8M Q1 2025$510.2MMiss by $48.8M

Diluted EPS

Q2 2026$3.57Beat by $0.45 Q1 2026$3.41Beat by $0.59 Q4 2025$3.08Beat by $0.37

Q3 2025$2.70Beat by $0.20

Q2 2025$2.96Beat by $0.59 Q1 2025$2.58Beat by $0.39

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Questions, answered.

When did UMB Financial report Q3 2025 earnings?: UMB Financial (UMBF) reported Q3 2025 earnings on October 28, 2025 after market close.
What were UMB Financial's Q3 2025 revenue and EPS?: UMB Financial reported revenue of $1.1B and eps of $2.70 for Q3 2025.
Did UMB Financial beat estimates in Q3 2025?: Revenue beat the consensus estimate of $661.6M by $425.8M. EPS beat the consensus estimate of $2.50 by $0.20.
How did UMB Financial's Q3 2025 results compare year-over-year?: Compared to the same quarter a year prior, revenue grew 198.8% from $363.9M a year earlier and eps grew 23.3% from $2.19.
Where can I find UMB Financial's Q3 2025 SEC filings?: You can read the 10-Q periodic report (0001193125-25-257610) directly on SEC EDGAR. The filing index links above go to sec.gov.