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Sep 30, 2025
UMB Financial Q3 2025 Earnings Report
UMB Financial reported strong third quarter 2025 results, driven by organic growth and the successful integration of Heartland Financial.
Key Takeaways
UMB Financial Corporation delivered a robust performance in the third quarter of 2025, with GAAP net income increasing by 64.5% year-over-year to $180.4 million. The company saw significant growth in average loans and deposits, alongside an improved efficiency ratio and net interest margin. The successful integration of Heartland Financial USA, Inc. was a key factor in these strong results.
GAAP net income available to common shareholders increased by 64.5% to $180.4 million, or $2.36 per diluted common share, compared to Q3 2024.
Average loans grew by 52.3% year-over-year to $37.1 billion, and average deposits increased by 60.8% to $56.8 billion.
The efficiency ratio improved to 58.1% from 61.7% in the third quarter of 2024, indicating better operational cost management.
Net interest margin on a fully taxable equivalent basis rose to 3.04%, up 58 basis points from the third quarter of 2024.
Revenue by Segment
Forward Guidance
The company successfully completed the final milestone of the Heartland Financial USA, Inc. acquisition, integrating systems and brand in mid-October. Management is optimistic about operating as one company and continuing to deliver strong business fundamentals.
Positive Outlook
- Successful integration of Heartland Financial USA, Inc. to UMB's core systems completed post-quarter.
- Anticipated continued strong business fundamentals from combined teams.
- New record for loan production achieved in the third quarter.
- Strong fee income generation expected to continue.
- Stable credit quality maintained.
Challenges Ahead
- No specific negative forward guidance was provided in the report.
- No specific negative forward guidance was provided in the report.
- No specific negative forward guidance was provided in the report.
Historical Earnings Impact
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Avg. Return Before/After Earnings
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