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Jun 30, 2025
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.
Revenue by Segment
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.
Historical Earnings Impact
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Avg. Return Before/After Earnings
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