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UMB Financial Earnings Calls
| Release date | Apr 28, 2026 |
| EPS estimate | $2.82 |
| EPS actual | $3.41 |
| EPS Surprise | 20.92% |
| Revenue estimate | 701.794M |
| Revenue actual | 739.159M |
| Revenue Surprise | 5.32% |
| Release date | Jan 27, 2026 |
| EPS estimate | $2.71 |
| EPS actual | $3.08 |
| EPS Surprise | 13.65% |
| Revenue estimate | 677.774M |
| Revenue actual | 720.869M |
| Revenue Surprise | 6.36% |
| Release date | Oct 28, 2025 |
| EPS estimate | $2.50 |
| EPS actual | $2.70 |
| EPS Surprise | 8.00% |
| Revenue estimate | 661.557M |
| Revenue actual | 1.087B |
| Revenue Surprise | 64.37% |
| Release date | Jul 29, 2025 |
| EPS estimate | $2.37 |
| EPS actual | $2.96 |
| EPS Surprise | 24.89% |
| Revenue estimate | 652M |
| Revenue actual | 633.208M |
| Revenue Surprise | -2.88% |
Last 4 Quarters for UMB Financial
Below you can see how UMBF performed 4 days prior and 4 days after releasing the earnings report. Also, you can see the pre-estimates and the actual earnings. This information can give you a slight idea of what you might expect for the next quarter's release.
| Release date | Jul 29, 2025 |
| Price on release | $109.20 |
| EPS estimate | $2.37 |
| EPS actual | $2.96 |
| EPS surprise | 24.89% |
| Date | Price |
|---|---|
| Jul 23, 2025 | $108.24 |
| Jul 24, 2025 | $108.05 |
| Jul 25, 2025 | $108.12 |
| Jul 28, 2025 | $108.95 |
| Jul 29, 2025 | $109.20 |
| Jul 30, 2025 | $110.80 |
| Jul 31, 2025 | $109.99 |
| Aug 01, 2025 | $108.39 |
| Aug 04, 2025 | $110.55 |
| 4 days before | 0.89% |
| 4 days after | 1.24% |
| On release day | 1.47% |
| Change in period | 2.13% |
| Release date | Oct 28, 2025 |
| Price on release | $112.29 |
| EPS estimate | $2.50 |
| EPS actual | $2.70 |
| EPS surprise | 8.00% |
| Date | Price |
|---|---|
| Oct 22, 2025 | $111.40 |
| Oct 23, 2025 | $111.17 |
| Oct 24, 2025 | $113.57 |
| Oct 27, 2025 | $112.44 |
| Oct 28, 2025 | $112.29 |
| Oct 29, 2025 | $108.68 |
| Oct 30, 2025 | $107.52 |
| Oct 31, 2025 | $106.88 |
| Nov 03, 2025 | $107.31 |
| 4 days before | 0.799% |
| 4 days after | -4.43% |
| On release day | -3.21% |
| Change in period | -3.67% |
| Release date | Jan 27, 2026 |
| Price on release | $124.86 |
| EPS estimate | $2.71 |
| EPS actual | $3.08 |
| EPS surprise | 13.65% |
| Date | Price |
|---|---|
| Jan 21, 2026 | $126.34 |
| Jan 22, 2026 | $125.07 |
| Jan 23, 2026 | $123.16 |
| Jan 26, 2026 | $122.50 |
| Jan 27, 2026 | $124.86 |
| Jan 28, 2026 | $124.66 |
| Jan 29, 2026 | $127.09 |
| Jan 30, 2026 | $127.14 |
| Feb 02, 2026 | $128.05 |
| 4 days before | -1.17% |
| 4 days after | 2.55% |
| On release day | -0.160% |
| Change in period | 1.35% |
| Release date | Apr 28, 2026 |
| Price on release | $125.35 |
| EPS estimate | $2.82 |
| EPS actual | $3.41 |
| EPS surprise | 20.92% |
| Date | Price |
|---|---|
| Apr 22, 2026 | $122.68 |
| Apr 23, 2026 | $123.62 |
| Apr 24, 2026 | $122.22 |
| Apr 27, 2026 | $124.16 |
| Apr 28, 2026 | $125.35 |
| Apr 29, 2026 | $124.22 |
| Apr 30, 2026 | $126.17 |
| May 01, 2026 | $129.24 |
| May 04, 2026 | $129.41 |
| 4 days before | 2.18% |
| 4 days after | 3.24% |
| On release day | -0.90% |
| Change in period | 5.49% |
UMB Financial Earnings Call Transcript Summary of Q1 2026
UMB Financial reported a strong Q1 2026: 10.8% linked-quarter annualized loan growth driven by $2.3 billion of gross production, core margin expansion (core NIM 3.05% excluding purchase accounting accretion), and continued fee income momentum (notably Fund Services and Corporate Trust). Credit remained healthy (19 bps net charge-offs; $27M provision) and noninterest expense showed discipline with operating expense down sequentially; Q2 operating expense is expected near consensus (~$383M) reflecting a merit cycle and calendar day effect. Purchase accounting accretion contributed ~33 bps to reported NIM this quarter, with ~$71M contractual accretion projected for the remainder of 2026 and ~$79M for 2027. Management emphasized negligible exposure to private credit lending and small fee/AUA dependence on private credit (private credit AUA ~$43B of $565B; related annual fees ~$13M). Capital is building (CET1 11.16%), the board increased the share repurchase authorization and the company intends to be opportunistic with buybacks while prioritizing organic loan growth and selective tuck-in M&A. Guidance/near-term outlook: Q2 core margin expected roughly flat, tax rate ~20–22% for 2026, continued positive operating leverage for the year.
