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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 weeks)
Revenue estimate$741.6M
EPS estimate$3.21

Financials

Q4 2025

Income statement

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

Balance sheet

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

Cash flow

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

Valuation & ratios

Valuation

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

Profitability

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

Returns & leverage

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

Segments

By product

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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

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Institutional Banking$107.2M+11.0%
Commercial Banking$44.0M+46.8%
Personal Banking$34.9M+39.7%

FAQ

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.