Brief: UMB Financial Q2 Adjusted EPS USD 4.06 Vs. IBES Estimate USD 2.4

UMB Financial

29/07/2025 21:05

Overview

UMB Financial Q2 net income rises 112.5% yr/yr to $215.4 mln

Adjusted EPS of $4.06 beats analyst expectations, per LSEG data

Net interest income up 17.4% from Q1, driven by organic growth and acquisition

Result Drivers

ACQUISITION IMPACT - Financial results include three months of impact from the acquired Heartland Financial, USA, Inc. operations, contributing to revenue growth, improved asset quality, and net interest margin expansion, per CEO Mariner Kemper

INVESTMENT GAINS - Noninterest income rose 33.7% from the previous qtr, driven by pre-tax gains of $37.7 mln from investments in private entities, including $29.4 mln from Voyager Technologies IPO

LOAN AND DEPOSIT GROWTH - Average loans increased 12.7% on a linked-qtr basis to $36.4 bln, while average deposits rose 10.7% to $55.6 bln, reflecting both organic growth and the impact of the HTLF acquisition

Key Details

Metric
Beat/Miss
Actual
Consensus Estimate
Q2 Adjusted EPS
Beat
$4.06
$2.4 (10 Analysts)
Q2 EPS
$2.82
Q2 Net Income
$217.39 mln
Q2 Net Interest Income
$467 mln
Q2 Adjusted Operating Income
$225.38 mln
Q2 Net Interest Margin
3.1%


Analyst Coverage

The current average analyst rating on the shares is "buy" and the breakdown of recommendations is 7 "strong buy" or "buy", 3 "hold" and no "sell" or "strong sell"

The average consensus recommendation for the banks peer group is "buy"

Wall Street's median 12-month price target for UMB Financial Corp is $122.00, about 10.7% above its July 28 closing price of $108.95

The stock recently traded at 10 times the next 12-month earnings vs. a P/E of 10 three months ago

Press Release: ID:nBw1M3nQPa

(This story was created using Reuters automation and AI based on LSEG and company data. It was checked and edited by a Reuters journalist prior to publication.)