UMB Financial (NASDAQ:UMBF) Releases Earnings Results, Beats Estimates By $0.34 EPS

UMB Financial (NASDAQ:UMBF) announced its quarterly earnings data on Tuesday. The bank reported $3.56 earnings per share (EPS) for the quarter, topping the consensus estimate of $3.22 by $0.34, FiscalAI reports. The firm had revenue of $772.39 million for the quarter, compared to analysts’ expectations of $744.81 million. UMB Financial’s revenue was up 13.9% on a year-over-year basis. During the same quarter in the prior year, the business posted $2.70 earnings per share.

UMB Financial Stock Down 0.3%

NASDAQ UMBF opened at $133.80 on Wednesday. UMB Financial has a twelve month low of $68.92 and a twelve month high of $144.36. The stock has a market cap of $10.16 billion, a P/E ratio of 11.14 and a beta of 0.82. The company’s 50-day simple moving average is $136.50 and its 200 day simple moving average is $131.01.

UMB Financial Announces Dividend

The firm also recently announced a quarterly dividend, which will be paid on Monday, January 4th. Investors of record on Thursday, December 10th will be paid a $0.50 dividend. The ex-dividend date of this dividend is Thursday, December 10th. This represents a $2.00 dividend on an annualized basis and a yield of 1.5%. UMB Financial’s payout ratio is presently 16.65%.

Key Headlines Impacting UMB Financial

Here are the key news stories impacting UMB Financial this week:

• Positive Sentiment: UMB Financial earned $3.56 per share, exceeding the $3.22 consensus estimate and rising from $2.70 a year earlier. Revenue increased 13.9% year over year to $772.4 million, above expectations of approximately $744.8 million. UMB Financial Surpasses Q3 Earnings and Revenue Estimates
• Positive Sentiment: The quarter included a 21.64% net margin and 13.41% return on equity, reinforcing the bank’s profitability and operating performance. The earnings and revenue beats may support investor confidence in UMBF’s underlying business momentum. UMB Financial Reports Strong Third-Quarter 2026 Results
• Positive Sentiment: Management agreed to acquire El Dorado Savings Bank in a transaction valued at approximately $506 million. The deal could expand UMB Financial’s banking franchise, deposits and future revenue opportunities. UMB Financial to Acquire El Dorado Savings Bank
• Neutral Sentiment: The acquisition introduces execution, integration and capital-allocation considerations. Investors will likely focus on the purchase price, expected financial contribution and regulatory approval requirements before assigning additional value to the deal. UMB Financial to Acquire El Dorado Savings Bank
• Negative Sentiment: Despite the earnings and revenue beats, UMBF shares have been slightly lower, suggesting investors may already have priced in strong results or are taking a cautious view of the acquisition’s costs and integration risks.

Insiders Place Their Bets

In other UMB Financial news, insider Nikki Farentino Newton sold 2,000 shares of the company’s stock in a transaction on Tuesday, August 4th. The stock was sold at an average price of $148.60, for a total value of $297,200.00. Following the sale, the insider directly owned 11,981 shares in the company, valued at $1,780,376.60. This represents a 14.31% decrease in their ownership of the stock. The sale was disclosed in a legal filing with the SEC, which is available at this hyperlink. Also, CEO J. Kemper sold 15,062 shares of the stock in a transaction on Tuesday, August 4th. The stock was sold at an average price of $148.55, for a total value of $2,237,460.10. Following the transaction, the chief executive officer owned 1,491,138 shares of the company’s stock, valued at $221,508,549.90. This represents a 1.00% decrease in their ownership of the stock. The disclosure for this sale is available in the SEC filing. Insiders sold a total of 25,544 shares of company stock worth $3,775,862 in the last 90 days. 5.33% of the stock is owned by corporate insiders.

Analysts Set New Price Targets

UMBF has been the subject of a number of recent research reports. Zacks Research cut shares of UMB Financial from a “strong-buy” rating to a “hold” rating in a report on Tuesday, June 30th. TD Cowen dropped their target price on shares of UMB Financial from $166.00 to $152.00 and set a “buy” rating on the stock in a report on Monday, October 5th. JPMorgan Chase & Co. cut their target price on shares of UMB Financial from $180.00 to $160.00 and set an “overweight” rating for the company in a research report on Thursday, October 1st. UBS Group began coverage on shares of UMB Financial in a report on Monday, September 14th. They set a “neutral” rating and a $155.00 price target for the company. Finally, Piper Sandler reaffirmed an “overweight” rating and issued a $181.00 price target (up from $161.00) on shares of UMB Financial in a research report on Thursday, July 30th. One analyst has rated the stock with a Strong Buy rating, eleven have given a Buy rating and four have assigned a Hold rating to the company. According to data from MarketBeat.com, the stock currently has a consensus rating of “Moderate Buy” and an average target price of $162.86.

About UMB Financial

UMB Financial Corporation is a financial holding company headquartered in Kansas City, Missouri. Its principal subsidiary, UMB Bank, provides banking and financial services to individuals, businesses, institutions and government entities. The company serves customers through banking offices and digital channels across the Midwest and other U.S. markets.

UMB Bank offers commercial and personal banking products, including deposit accounts, loans, treasury management, payment services and credit solutions.