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Jun 30
UMB Financial Q2 2025 Earnings Report
UMB Financial delivered strong Q2 2025 results, with revenue up significantly and net income more than doubling year-over-year.
Key Takeaways
Net income rose to $215.4 million and EPS reached $2.82, driven by strong loan growth, improved margins, and higher noninterest income including gains from investments.
Net income available to common shareholders was $215.4 million, up 112.5% YoY.
EPS rose to $2.82 from $2.07 in Q2 2024, while non-GAAP EPS was $2.96.
Net interest income reached $467.0 million; noninterest income rose to $222.2 million.
Efficiency ratio improved to 53.4%, compared to 63.4% last year.
UMB Financial
UMB Financial
UMB Financial Revenue by Segment
UMB Financial Revenue by Geographic Location
Revenue by Segment
Commercial Banking Revenue
CapyFin.comInstitutional Banking Revenue
CapyFin.comPersonal Banking Revenue
CapyFin.comRevenue by Geographic Location
United States Revenue
CapyFin.com Forward Guidance
No formal forward guidance was issued, but management noted continued strong growth, balance sheet expansion, and ongoing integration of HTLF operations.
Positive Outlook
- Continued loan and deposit growth from HTLF integration.
- Improved net interest margin from acquired core deposits.
- Increased noninterest income driven by investment gains.
- Efficiency ratio showed marked improvement to 53.4%.
- Strong regulatory capital position post-HTLF acquisition.
Challenges Ahead
- Provision for credit losses rose to $21 million, up $7 million YoY.
- Nonaccrual and restructured loans increased to 0.26%.
- HTLF acquisition led to $13.5 million in related expenses in Q2.
- Tier 1 capital ratios declined slightly compared to 2024.
- Tangible book value per share dropped slightly YoY.