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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 weeks)
Revenue estimate$741.6M
EPS estimate$3.21

Financials

Q3 2025

Income statement

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Revenue$678.3M+67.0%
Net income$188.3M+71.8%
EPS (diluted)$2.36+5.8%

Balance sheet

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Total debt$471.3M-67.1%
Total equity$7.4B+111%
Total assets$71.9B+51.3%

Cash flow

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Operating cash flow$272.2M+120%
CapEx$14.4M+142%
Free cash flow$257.8M+119%

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

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Net margin25.7%+0.6pp

Returns & leverage

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Return on equity11.1%-1.3pp
Debt / equity0.1×-0.3×

Segments

By product

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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

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Institutional Banking$103.7M+14.0%
Commercial Banking$46.6M+52.4%
Personal Banking$34.2M+41.7%

FAQ

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 8-K earnings release (0001193125-25-253477) and the 10-Q periodic report (0001193125-25-257610) directly on SEC EDGAR. The filing index links above go to sec.gov.