UMB Financial Q4 adjusted EPS beats estimates

UMB Financial

27/01/2026 21:16

Overview

Financial services firm's Q4 revenue grew 66% yr/yr, driven by HTLF acquisition

Adjusted EPS for Q4 beat analyst expectations

Company's net interest income rose 94% yr/yr

Outlook

Company did not provide specific guidance for future quarters or full-year 2026 in press release

Result Drivers

HTLF ACQUISITION - UMB Financial's acquisition of Heartland Financial contributed to significant growth in loans and deposits, impacting overall financial results

NET INTEREST INCOME - Increase in net interest income driven by decreased interest expense and growth in noninterest-bearing demand deposits

NONINTEREST INCOME - Year-over-year increase due to higher fund services and trust income, despite a linked-quarter decline

Key Details

Metric
Beat/Miss
Actual
Consensus Estimate
Q4 Adjusted EPS
Beat
$4.31
$2.55 (12 Analysts)
Q4 EPS
$2.74
Q4 Net Income
$215.36 mln
Q4 Net Interest Income
$522.50 mln
Q4 Net Interest Margin
3.29%


Analyst Coverage

The current average analyst rating on the shares is "buy" and the breakdown of recommendations is 11 "strong buy" or "buy", 2 "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 $140.00, about 14.3% above its January 26 closing price of $122.50

The stock recently traded at 11 times the next 12-month earnings vs. a P/E of 11 three months ago

Press Release: ID:nBwjrXmRa

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.)