UMB Financial (UMBF) to Release Quarterly Earnings on Tuesday

UMB Financial (NASDAQ:UMBF) is expected to be announcing its Q4 2025 results after the market closes on Tuesday, January 27th. Analysts expect UMB Financial to post earnings of $2.69 per share and revenue of $677.3030 million for the quarter. Investors can find conference call details on the company’s upcoming Q4 2025 earning report page for the latest details on the call scheduled for Wednesday, January 28, 2026 at 9:30 AM ET.

UMB Financial (NASDAQ:UMBF) last announced its quarterly earnings data on Tuesday, October 28th. The bank reported $2.70 earnings per share for the quarter, beating the consensus estimate of $2.48 by $0.22. UMB Financial had a return on equity of 12.15% and a net margin of 16.01%.The firm had revenue of $678.34 million during the quarter, compared to the consensus estimate of $661.60 million. During the same quarter in the previous year, the company posted $2.25 earnings per share. The business’s revenue was up 67.0% on a year-over-year basis. On average, analysts expect UMB Financial to post $10 EPS for the current fiscal year and $11 EPS for the next fiscal year.

UMB Financial Stock Down 1.5%

Shares of UMB Financial stock opened at $123.16 on Friday. The company has a debt-to-equity ratio of 0.07, a quick ratio of 0.75 and a current ratio of 0.75. UMB Financial has a 52-week low of $82.00 and a 52-week high of $129.18. The company’s 50 day moving average price is $116.70 and its 200-day moving average price is $115.33. The stock has a market capitalization of $9.36 billion, a price-to-earnings ratio of 13.95, a P/E/G ratio of 1.00 and a beta of 0.78.

UMB Financial Increases Dividend

The company also recently declared a quarterly dividend, which was paid on Friday, January 2nd. Shareholders of record on Wednesday, December 10th were issued a $0.43 dividend. This is a boost from UMB Financial’s previous quarterly dividend of $0.40. The ex-dividend date of this dividend was Wednesday, December 10th. This represents a $1.72 dividend on an annualized basis and a yield of 1.4%. UMB Financial’s payout ratio is 19.48%.

Insider Transactions at UMB Financial

In other news, Director Greg M. Graves bought 264 shares of the stock in a transaction dated Monday, November 3rd. The stock was bought at an average price of $106.41 per share, for a total transaction of $28,092.24. Following the purchase, the director directly owned 38,411 shares in the company, valued at $4,087,314.51. This trade represents a 0.69% increase in their position. The purchase was disclosed in a legal filing with the Securities & Exchange Commission, which can be accessed through the SEC website. Also, CEO J Mariner Kemper sold 15,367 shares of the company’s stock in a transaction on Monday, December 8th. The stock was sold at an average price of $114.58, for a total value of $1,760,750.86. Following the completion of the sale, the chief executive officer directly owned 1,521,414 shares in the company, valued at approximately $174,323,616.12. The trade was a 1.00% decrease in their ownership of the stock. The disclosure for this sale is available in the SEC filing. Insiders sold a total of 17,127 shares of company stock worth $1,949,594 over the last 90 days. 5.45% of the stock is currently owned by insiders.

Institutional Inflows and Outflows

Institutional investors have recently modified their holdings of the business. State Street Corp boosted its stake in UMB Financial by 7.9% during the second quarter. State Street Corp now owns 4,296,190 shares of the bank’s stock worth $453,461,000 after acquiring an additional 313,414 shares in the last quarter. Wellington Management Group LLP lifted its holdings in shares of UMB Financial by 32.0% during the third quarter. Wellington Management Group LLP now owns 3,098,798 shares of the bank’s stock valued at $366,743,000 after purchasing an additional 751,525 shares during the last quarter. Alliancebernstein L.P. boosted its position in shares of UMB Financial by 636.7% in the 2nd quarter. Alliancebernstein L.P. now owns 1,488,618 shares of the bank’s stock worth $156,543,000 after purchasing an additional 1,286,543 shares in the last quarter. Invesco Ltd. grew its stake in shares of UMB Financial by 21.9% in the 2nd quarter. Invesco Ltd. now owns 487,242 shares of the bank’s stock worth $51,238,000 after buying an additional 87,652 shares during the last quarter. Finally, UBS Group AG increased its position in UMB Financial by 12.5% during the 3rd quarter. UBS Group AG now owns 378,861 shares of the bank’s stock valued at $44,838,000 after buying an additional 41,946 shares in the last quarter. 87.78% of the stock is currently owned by institutional investors.

Analyst Upgrades and Downgrades

UMBF has been the subject of several recent analyst reports. Wells Fargo & Company upped their price objective on shares of UMB Financial from $125.00 to $130.00 and gave the company an “equal weight” rating in a research note on Monday, September 29th. TD Cowen reaffirmed a “buy” rating on shares of UMB Financial in a research report on Wednesday, January 7th. Morgan Stanley increased their price objective on UMB Financial from $120.00 to $154.00 and gave the stock an “overweight” rating in a report on Monday, September 29th. Hovde Group assumed coverage on UMB Financial in a research note on Monday, October 6th. They set an “outperform” rating on the stock. Finally, Royal Bank Of Canada set a $134.00 price target on UMB Financial and gave the stock an “outperform” rating in a research note on Monday, January 12th. One equities research analyst has rated the stock with a Strong Buy rating, eight have assigned a Buy rating and three have issued a Hold rating to the company’s stock. According to MarketBeat, the company presently has an average rating of “Moderate Buy” and an average price target of $137.10.

About UMB Financial

UMB Financial Corporation (NASDAQ: UMBF) is a diversified financial services holding company headquartered in Kansas City, Missouri. Through its principal banking subsidiary, UMB Bank, N.A., the company provides a full suite of commercial and consumer banking services. Key offerings include deposit accounts, commercial and consumer lending, treasury and cash management, as well as online and mobile banking solutions designed to serve businesses, individuals and municipalities.

In addition to its core banking operations, UMB Financial delivers wealth management and trust services, investment advisory, asset management and retirement planning to high-net-worth individuals, families and institutions.