UMBF's transformative Heartland acquisition has propelled total assets 60% YoY to $72.3B and revenue to $1.1B in Q2 2026, yet the bank's net interest margin remains thin at 0.7% and earnings quality is clouded by a $427M provision in Q3 2025. Fee income divers...
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Revenue surged 68.5% YoY to $1.1B in Q2 2026, with NII up 14% and fee income at 22% of total, though NIM remains thin at 0.7% and provision volatility (from $427M to $28M) signals credit uncertainty.
UMB Financial reported a significant increase in net income available to common shareholders, reaching $255.6 million in Q1 2026, a 222.3% year-over-year rise. Diluted earnings per share (EPS) also surged to $3.35, with a return on average assets (ROA) of 1.47% and return on average common equity (ROE) of 13.70%.
Total revenue increased by 31.1% year-over-year to $739.2 million, driven by a 34.4% increase in net interest income and a 23.2% rise in non-interest income. The GAAP efficiency ratio improved significantly to 48.4% from 65.2% in the prior year, indicating better operational efficiency.
The acquisition of Heartland Financial is showing positive results, with cost synergies fully realized and revenue synergies beginning to materialize. Analysts are closely watching the integration progress, as it is expected to influence future operating efficiency and earnings stability.
Trailing total returns as of 9/23/2026, which may include dividends or other distributions. Benchmark is S&P 500 (^GSPC).
Check whether operating performance supports the current valuation.
Recent results and news deserve attention only when they alter the forward view.
| Quarter | EPS (Act vs Est) | Revenue (Act vs Est) |
|---|---|---|
Q3 2026Latest Jul 28, 2026 | $3.57+14.4% vs $3.12 | $778M+6.9% vs $728M |
Q2 2026 Apr 28, 2026 | $3.41+20.9% vs $2.82 | $739M+5.3% vs $702M |
Q1 2026 Jan 27, 2026 | $3.08+13.7% vs $2.71 | $721M+6.4% vs $678M |
Q4 2025 Oct 28, 2025 | $2.70+8.0% vs $2.50 | $1.1B+64.4% vs $662M |
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UMB Financial Corporation earns a soft ‘buy' rating for robust growth, high asset quality, and reasonable valuation. UMBF's institutional custody business surged 19% YoY to $250B AUC, supporting diversified revenue and Texas expansion. Despite 48.4% of deposits remaining uninsured, management is actively reducing exposure and improving deposit quality.
B. Metzler seel. Sohn and Co. AG increased its stake in shares of UMB Financial Corporation (NASDAQ: UMBF) by 14.7% during the undefined quarter, according to the company in its most recent 13F filing with the Securities and Exchange Commission. The institutional investor owned 43,882 shares of the bank's stock after buying an
Benchmark UMBF against direct peers instead of judging its metrics in isolation.
Key metrics vs top competitors for UMB Financial Corporation (UMBF)
| Company | Price | Market Cap | P/E Ratio | Rev Growth (1Y) | Net Margin | ROE | Div Yield |
|---|---|---|---|---|---|---|---|
| $134.21 | $10.2B | 14.70 | 101.23% | 15.81% | 12.59% | 1.32% | |
| $144.70 | $9.76B | 12.52 | 11.23% | 20.11% | 11.93% | — | |
| $55.68 | $8.12B | 13.65 | 6.26% | 26.11% | 14.78% | — | |
| $131.05 | $7.96B | 14.28 | 9.59% | 18.3% | 10.31% | — | |
| $35.62 | $733.99M | 10.89 | 4.57% | 22.71% | 14.12% | — | |
| $32.31 | $4.63B | 18.25 | 16.23% | 31.14% | 14.2% | — |
UMB Financial Corporation (UMBF) vs competitors — business, growth, and fundamentals comparison against the closest industry rivals.
Verify the primary filings, follow material updates, and answer the remaining questions.
UMB Financial Corporation (UMBF) SEC filings — annual & quarterly reports (10-K, 10-Q)
Jul 28, 2026·SEC
Apr 30, 2026·SEC
Apr 28, 2026·SEC
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UMB Financial Corporation (UMBF) stock FAQ — growth, dividends, profitability & financials explained
UMB Financial Corporation (UMBF) grew revenue by 101.2% over the past year. This is strong growth.
Yes, UMB Financial Corporation (UMBF) is profitable, generating $942.7M in net income for fiscal year 2025 (15.8% net margin).
Yes, UMB Financial Corporation (UMBF) pays a dividend with a yield of 1.32%. This makes it attractive for income-focused investors.
UMB Financial Corporation (UMBF) has a return on equity (ROE) of 12.6%. This is reasonable for most industries.
UMB Financial Corporation (UMBF) has a net interest margin (NIM) of 3.5%. This indicates healthy earnings from lending activities.
UMB Financial Corporation (UMBF) has an efficiency ratio of 34.2%. This is excellent, indicating strong cost control.
