Skip to content
OpenCapital
Get started

UMB Financial UMBF Q4 2025 Annual earnings

Reported January 27, 2026 · After market close

Revenue$720.9MBeat by $43.1M
EPS$3.08Beat by $0.37
Revenue estimate$677.8M
EPS estimate$2.71

Next report

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

Financials

Q4 2025

Income statement

See full
Revenue$720.9M+66.0%
Net income$215.4M+79.5%
EPS (diluted)$2.76+13.6%

Balance sheet

See full
Total debt$546.9M+24.2%
Total equity$7.7B+122%
Total assets$73.1B+45.0%

Cash flow

See full
Operating cash flow$106.1M—
CapEx$10.8M+5.7%
Free cash flow$95.3M—

Valuation & ratios

Valuation

as of 12/31/25
See full
Market cap$8.74B+58.7%
Enterprise value$9.28B+56.1%
P/E12.4×0.0×
P/S3.3×-0.1×

Profitability

See full
Net margin26.5%-0.6pp
FCF margin36.9%—

Returns & leverage

See full
Return on equity12.6%-0.9pp
Debt / equity0.1×-0.1×

Segments

By product

See full
Fiduciary And Trust$92.4M+20.3%
Credit Card$41.8M+31.0%
Deposit Account$27.7M+29.6%
Brokerage Fees$20.5M+10.0%
Other Financial Services$3.2M+73.7%

By segment

See full
Institutional Banking$107.2M+12.8%
Commercial Banking$44.0M+39.9%
Personal Banking$34.9M+39.7%

Versus estimates

Revenue

Q2 2026$778.0MBeat by $50.4MQ1 2026$739.2MBeat by $37.4M
Q4 2025$720.9MBeat by $43.1M
Q3 2025$1.1BBeat by $425.8MQ2 2025$633.2MMiss by $18.8MQ1 2025$510.2MMiss by $48.8M

Diluted EPS

Q2 2026$3.57Beat by $0.45Q1 2026$3.41Beat by $0.59
Q4 2025$3.08Beat by $0.37
Q3 2025$2.70Beat by $0.20Q2 2025$2.96Beat by $0.59Q1 2025$2.58Beat by $0.39

Ask the moment UMB Financial reports.

Connect your AI and ask the moment the filing drops. It reads the release, surfaces what management said, and gives you its own read.

Connect your AI
Harbor at dusk
Claude

Questions, answered.

When did UMB Financial report Q4 2025 earnings?
UMB Financial (UMBF) reported Q4 2025 earnings on January 27, 2026 after market close.
What were UMB Financial's Q4 2025 revenue and EPS?
UMB Financial reported revenue of $720.9M and eps of $3.08 for Q4 2025.
Did UMB Financial beat estimates in Q4 2025?
Revenue beat the consensus estimate of $677.8M by $43.1M. EPS beat the consensus estimate of $2.71 by $0.37.
How did UMB Financial's Q4 2025 results compare year-over-year?
Compared to the same quarter a year prior, revenue grew 82.9% from $394.2M a year earlier and eps grew 23.7% from $2.49.
Where can I find UMB Financial's Q4 2025 SEC filings?
You can read the 8-K earnings release (0001193125-26-024400) and the 10-K periodic report (0001193125-26-076496) directly on SEC EDGAR. The filing index links above go to sec.gov.