UMB Financial Q3 adjusted EPS beats estimates on record loan production

UMB Financial

28/10/2025 20:19

Overview

UMB Financial Q3 adjusted EPS beats estimates, reflecting strong operational performance

Net operating income rises 87.2% yr/yr, driven by loan and deposit growth

Company successfully integrates Heartland Financial, boosting loan and deposit growth

Outlook

Company expects continued positive impact from Heartland Financial integration

Result Drivers

HEARTLAND INTEGRATION - Successful integration of Heartland Financial boosted loan and deposit growth

RECORD LOAN PRODUCTION - Gross loan production reached a record high of $2.1 bln, driving revenue growth

NONINTEREST INCOME GROWTH - Increase in noninterest income driven by higher trust and securities processing and service charges

Key Details

Metric
Beat/Miss
Actual
Consensus Estimate
Q3 Adjusted EPS
Beat
$3.84
$2.42 (11 Analysts)
Q3 EPS
$2.36
Q3 Net Income
$188.31 mln
Q3 Net Interest Income
$475 mln
Q3 Adjusted Operating Income
$206.54 mln
Q3 Net Interest Margin
3.04%


Analyst Coverage

The current average analyst rating on the shares is "buy" and the breakdown of recommendations is 10 "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 $138.00, about 18.5% above its October 27 closing price of $112.44

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

Press Release: ID:nBw4TMfVta

For questions concerning the data in this report, contact Estimates.Support@lseg.com. For any other questions or feedback, contact RefinitivNewsSupport@thomsonreuters.com.

(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.)