UMB Financial's balance sheet has expanded roughly 63% from $44.5B in 2024Q2 to $72.7B in 2026Q3, appearing driven mainly by the Heartland Financial combination rather than organic growth, and net interest income has risen from $245.1M to $540.0M over the same span.
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Net interest income rebounded to $540.0M in 2026Q3 from $245.1M in 2024Q2, largely reflecting balance sheet scale, while net interest margin remained stuck near 0.7% and the efficiency ratio of 51.7% suggests reasonable cost discipline.
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 11/8/2026, 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) |
|---|---|---|
Q4 2026Latest Oct 27, 2026 | $3.56+10.6% vs $3.22 | $772M+3.7% vs $745M |
Q3 2026 Jul 28, 2026 | $3.57+15.9% vs $3.08 | $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 |
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UMB Financial NASDAQ: UMBF reported third-quarter 2026 net income of $272.3 million, or $3.56 per share, as loan growth, fee income momentum and stable net interest margin supported an operating return on tangible common equity of 19.5%.
UMB Financial Corporation ( UMBF ) Q3 2026 Earnings Call October 28, 2026 9:30 AM EDT Company Participants Kay Gregory - Director of Investor Relations & Senior VP J. Kemper - Chairman & CEO Ram Shankar - Executive VP & CFO James Rine - President & Vice Chairman John Pauls Conference Call Participants Casey Haire Jared David Shaw - Barclays Bank PLC, Research Division Jon Arfstrom - RBC Capital Markets, Research Division Sun Young Lee - TD Cowen, Research Division Timur Braziler - UBS Investment Bank, Research Division Brian Wilczynski - Morgan Stanley, Research Division Brandon Rud - Stephens Inc., Research Division Brendan Nosal - Hovde Group, LLC, Research Division Nathan Race - Piper Sandler & Co., Research Division Terry McEvoy David Feaster - Raymond James & Associates, Inc., Research Division Benjamin Gerlinger - Citigroup Inc., Research Division Anthony Elian - JPMorgan Chase & Co, Research Division Presentation Operator Hello, everyone.
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 |
|---|---|---|---|---|---|---|---|
| $133.77 | $10.16B | 9.91 | 101.23% | 36.8% | 13.15% | 1.33% | |
| $151.27 | $10.2B | 11.20 | 11.23% | 31.57% | 12.54% | 1.66% | |
| $55.04 | $8.02B | 13.11 | 6.26% | 32.56% | 14.27% | 1.97% | |
| $129.48 | $7.87B | 11.62 | 9.59% | 29.56% | 11.21% | 1.87% | |
| $36.31 | $748.21M | 11.25 | 4.57% | 29.92% | 13.61% | 2.85% | |
| $30.41 | $4.36B | 15.02 | 16.23% | 42.9% | 15.14% | 2.43% |
UMB Financial Corporation (UMBF) vs competitors — business, growth, and fundamentals comparison against the closest industry rivals.
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UMB Financial Corporation (UMBF) SEC filings — annual & quarterly reports (10-K, 10-Q)
Oct 29, 2026·SEC
Oct 27, 2026·SEC
Oct 27, 2026·SEC
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UMB Financial Corporation (UMBF) stock FAQ — growth, dividends, profitability & financials explained
UMB Financial Corporation (UMBF) grew revenue by 6.9% over the trailing twelve months, compared with the twelve months before.
Yes. UMB Financial Corporation (UMBF) earned $1.03B in net income over the trailing twelve months (a 36.8% net margin).
Yes. UMB Financial Corporation (UMBF) pays a dividend that yields 1.33% at the current price, a moderate yield.
UMB Financial Corporation (UMBF) had a return on equity (ROE) of 13.2% over the trailing twelve months. That is in line with the market's typical 10-15%.
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 51.4%. This is excellent, indicating strong cost control.
