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UMB Financial
UMB Financial (UMBF) investor relations material
UMB Financial Q4 2025 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q4 2025 earnings summary28 Jan, 2026
Executive summary
Achieved record earnings in 2025, with strong financial performance in Q4, significant improvements in profitability, and successful Heartland Financial acquisition and integration.
Opened a new Utah branch, expanding the geographic footprint.
Maintained a diversified business model with robust contributions from commercial, consumer, private wealth, and institutional banking segments.
Focus remains on organic growth, disciplined capital allocation, and maintaining a strong balance sheet.
Financial highlights
Q4 2025 net income available to common shareholders: $209.5M ($2.74/share), up 74.6% year-over-year and 16.1% from Q3.
Full-year 2025 net income: $684.6M ($9.29/share).
Q4 net operating income (non-GAAP): $235.2M ($3.08/share), up 91.9% year-over-year.
Net interest income for Q4: $522.5M, up 94.3% year-over-year and 10% sequentially.
Net interest margin (FTE): 3.29% (core: 2.96%), up 72 bps year-over-year.
Outlook and guidance
Expect continued strong organic growth, especially in newly acquired and existing markets.
Q1 operating expense expected at $385M–$390M, with seasonal payroll/tax increases offset by synergies.
Anticipate positive operating leverage in 2026, despite lower purchase accounting accretion and investment gains.
Effective tax rate projected at 20–22% for 2026.
Dividend growth expected to continue, with FY 2026 annualized dividend at $1.72/share, up 5.5% from 2025.
HTLF acquisition's impact on nonaccrual loans?
Funding mix impact on net interest margin?
Personal Banking segment profitability?
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Latest summaries
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Next UMB Financial earnings date
Q1 202629 Apr, 2026
UMB Financial
Next UMB Financial earnings date
Q1 202629 Apr, 2026
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Frequently asked questions
UMB Financial Corporation is a financial holding company offering banking, asset management, and payment services. Its subsidiaries provide personal and commercial banking, trust and wealth management, mutual fund servicing, and healthcare payment solutions. The company operates across several Midwestern and Western states in the U.S. It is headquartered in Kansas City, Missouri, and its shares are listed on the NASDAQ.
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