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Dec 31, 2025
UMB Financial Q4 2025 Earnings Report
UMB Financial reported a significant increase in net income and EPS for Q4 2025, driven by strong revenue growth and improved efficiency.
Key Takeaways
UMB Financial Corporation announced a strong fourth quarter for 2025, with GAAP net income available to common shareholders reaching $209.5 million, or $2.74 per diluted common share, marking a 74.6% increase compared to Q4 2024. Total revenues grew by 66.0% year-over-year to $720.9 million, and net interest income saw a substantial 94.3% increase. The company also reported significant growth in average loans and deposits, alongside an improved efficiency ratio.
GAAP net income available to common shareholders increased by 74.6% to $209.5 million, or $2.74 per diluted common share, compared to Q4 2024.
Total revenues for Q4 2025 were $720.9 million, a 66.0% increase from Q4 2024, with net interest income rising by 94.3% to $522.5 million.
Average loans grew by 51.6% year-over-year to $38.3 billion, and average deposits increased by 51.4% to $57.6 billion.
The GAAP efficiency ratio improved to 55.5% in Q4 2025, down from 61.8% in Q4 2024, indicating better operational efficiency.
Revenue by Segment
Forward Guidance
The company anticipates continued profitable growth and strong asset quality, leveraging the successful integration of Heartland Financial and ongoing organic momentum.
Positive Outlook
- Successful completion of the Heartland Financial acquisition is expected to drive continued scale and profitable growth.
- Continued organic momentum across legacy UMB geographies is anticipated to contribute to loan and deposit growth.
- Focus on strong asset quality metrics is expected to be maintained, building on low net charge-offs.
- Improvements in profitability metrics are projected as the company continues to build scale and deliver profitable growth.
- Ongoing momentum in fee income businesses is expected to contribute positively to overall revenue.
Challenges Ahead
- Macroeconomic and adverse developments in domestic and international banking could impact future results.
- Sustained levels of high inflation and potential for economic recession may affect financial performance.
Historical Earnings Impact
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Avg. Return Before/After Earnings
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