UMBF

It has been about a month since the last earnings report for UMB Financial (UMBF). Shares have lost about 3.3% in that time frame, underperforming the S&P 500. But investors have to be wondering, will the recent negative trend continue leading up to its next earnings release, or is UMB due for a breakout? Well, first let's take a quick look at the most recent earnings report in order to get a better handle on the recent drivers for UMB Financial Corporation before we dive into how investors and analysts have reacted as of late. UMB Financial reported second-quarter 2026 adjusted operating earnings per share of $3.57, beating the Zacks Consensus Estimate of $3.08. The bottom line also increased from $2.96 in the year-ago quarter. The company delivered a strong quarterly performance, supported by solid growth in net interest income, higher non-interest income and continued loan growth. Improved efficiency and strong credit quality further supported the results. Results include certain non-recurring items. After considering those, net income (GAAP basis) available to common shareholders was $271.8 million in the second quarter, up 26.2% from the year-ago quarter. Revenues & Expenses Rise Quarterly revenues were $786.9 million, rising 14.2% year over year. The metric beat the Zacks Consensus Estimate by 8.4%. NII was $532.5 million, up 14% from the prior-year quarter. On a fully-taxable-equivalent basis, the net interest margin was 3.32%, up 22 basis points year over year. The increase was primarily driven by favorable deposit repricing following lower short-term interest rates and growth in average loans and securities. Non-interest income was $245.5 million, up 10.5% year over year. The increase was primarily driven by higher trust and securities processing income, other income, and brokerage income. These increases were partially offset by lower investment securities gains. Non-interest expenses were $399.6 million, up 1.6% year over year. Second-quarter 2026 expenses included $1.7 million in total acquisition-related and other non-recurring costs. Operating non-interest expenses (adjusted basis) were $398 million, up 4.7% year over year. The efficiency ratio declined to 48.4% from the prior-year quarter’s 53.4%. A decline in the efficiency ratio indicates an increase in profitability. Loans & Deposit Balances Rise Average loans for the second quarter were $40.6 billion, up 3.2% sequentially and 11.6% from the prior-year quarter. End-of-period loans stood at $41.1 billion as of June 30, 2026. Average deposits remained flat sequentially and increased 3.5% year over year to $57.6 billion. Average interest-bearing deposits increased 3.9%, while non-interest-bearing demand deposit balances rose 2.1% from the prior-year quarter. Credit Quality Deteriorates Net charge-offs totaled $15.9 million, or 0.16% of average loans, compared with $15.5 million, or 0.17%, in the year-ago quarter. Total non-accrual and restructured loans were $127.5 million compared with $97 million in the year-ago quarter. The provision for credit losses was $28 million in the second quarter of 2026, up from $21 million in the prior-year quarter. Capital Ratios Improve As of June 30, 2026, the Tier 1 risk-based capital ratio was 12.02% compared with 11.24% as of June 30, 2025. The Tier 1 leverage ratio was 9.11% compared with 8.34% in the year-ago quarter. The total risk-based capital ratio was 13.80%, up from 13.46% a year ago. In the second quarter of 2026, the company repurchased 38,158 common shares at a weighted average price of $132.10 for a total repurchase of $5 million. Profitability Ratios Improve Return on average assets at the second-quarter end was 1.55% compared with the year-ago quarter’s 1.29%. Return on average common equity was 14.16% compared with 12.72% in the year-ago quarter. Third Quarter 2026 Core net interest margin is expected to remain relatively flat from the second quarter adjusted level of 3.09%. Operating noninterest expense is expected to be approximately $390 million. Management expects deposit pipelines to remain healthy, although the deposit environment is expected to face seasonal pressure in the third quarter. Loan growth pipelines are expected to remain strong, led by C&I lending across the company’s footprint. 2026 The effective tax rate is expected to remain between 20% and 22%. Management expects positive operating leverage for 2026, even as contractual purchase accounting accretion is expected to be approximately $46 million for the remainder of the year. It turns out, estimates revision have trended upward during the past month. Currently, UMB has a average Growth Score of C, however its Momentum Score is doing a bit better with a B. Following the exact same course, the stock was allocated a score of B on the value side, putting it in the top 40% for value investors. Overall, the stock has an aggregate VGM Score of B. If you aren't focused on one strategy, this score is the one you should be interested in. Estimates have been trending upward for the stock, and the magnitude of these revisions looks promising. Notably, UMB has a Zacks Rank #3 (Hold). We expect an in-line return from the stock in the next few months. UMB belongs to the Zacks Banks - Midwest industry. Another stock from the same industry, Huntington Bancshares (HBAN), has gained 1.2% over the past month. More than a month has passed since the company reported results for the quarter ended June 2026. Huntington Bancshares reported revenues of $2.86 billion in the last reported quarter, representing a year-over-year change of +42%. EPS of $0.39 for the same period compares with $0.38 a year ago. Huntington Bancshares is expected to post earnings of $0.40 per share for the current quarter, representing no change from the year-ago quarter. Over the last 30 days, the Zacks Consensus Estimate has changed -1.2%. The overall direction and magnitude of estimate revisions translate into a Zacks Rank #3 (Hold) for Huntington Bancshares. Also, the stock has a VGM Score of D. Want the latest recommendations from Zacks Investment Research? Today, you can download 7 Best Stocks for the Next 30 Days. Click to get this free report UMB Financial Corporation (UMBF) : Free Stock Analysis Report Huntington Bancshares Incorporated (HBAN) : Free Stock Analysis Report This article originally published on Zacks Investment Research (zacks.com). Zacks Investment Research

This article first appeared on GuruFocus. Net Income: $271.8 million for Q2 2026. Earnings Per Share (EPS): $3.56 per diluted share. Operating Return on Tangible Common Equity: 20.3%. Operating Efficiency Ratio: 48.1%. Average Loan Growth: 12.6% linked-quarter annualized growth, with record gross production of $2.6 billion. Net Charge-Offs: 16 basis points of average loans. Nonperforming Loans: 31 basis points, improved from 38 basis points in Q1. Core Net Interest Margin (NIM): 3.09%, expanding 4 basis points sequentially, excluding purchase accounting adjustments. Reported Net Interest Margin: 3.32%, including a 23 basis point benefit from purchase accounting accretion. Noninterest Income: $245.5 million, up nearly 20% from Q1. Investment Security Gains: $27.1 million in net gains, primarily from Beacon Communications and SpaceX Technologies. Institutional Banking Fee Income: Increased 6% linked-quarter and 19.6% year-over-year. Fund Services Assets Under Administration: $622 billion, up nearly $57 billion from the prior quarter. Off-Balance Sheet Deposits: $23.7 billion, up 3.6% from Q1. 12b-1 Fees and Money Market Income: Increased by $4.2 million, or 23%. Operating Noninterest Expense: $398 million, up 6% from Q1. Common Equity Tier 1 (CET1) Ratio: 11.45% at June 30, up 29 basis points from March. Dividend: Declared common dividend of $0.50 per share, a 16.3% increase. Share Repurchases: Approximately 38,000 shares repurchased for $5 million during the quarter. Operating Leverage: Positive 12.2% on a year-over-year basis for the first half of 2026. Effective Tax Rate: 20.8% for Q2, compared to 21.1% in Q1. Warning! GuruFocus has detected 6 Warning Sign with UMBF. Is UMBF fairly valued? Test your thesis with our free DCF calculator. Release Date: July 29, 2026 For the complete transcript of the earnings call, please refer to the full earnings call transcript. UMB Financial Corp (NASDAQ:UMBF) reported strong second quarter results with net income of $271.8 million and EPS of $3.56, driving an operating return on tangible common equity of 20.3%. Average loan balances grew 12.6% annualized on a linked-quarter basis, supported by record gross production of $2.6 billion, with strong C&I growth across multiple markets. Core net interest margin expanded by 4 basis points to 3.09%, driven by disciplined pricing and a favorable asset mix shift toward loans. Fee income from institutional businesses increased 19.6% year-over-year, led by over 20% growth in asset servicing and corporate trust, with Fund Services AUA rising to $622 billion. Capital levels strengthened with CET1 ratio up 29 basis points to 11.45%, allowing for a 16.3% dividend increase and opportunistic share repurchases. Credit quality remained solid with net charge-offs of only 16 basis points and nonperforming loans improving to 31 basis points from 38 basis points in the prior quarter. Average deposit balances were flat in the second quarter, with seasonal declines in public funds and lower investor solutions balances partially offsetting growth in commercial and asset servicing deposits. The third quarter is expected to be a seasonal low point for deposits, which could pressure balance sheet growth and net interest income. Core net interest margin is expected to remain relatively flat in the third quarter, with limited upside from rate movements due to modest interest rate sensitivity. Operating expenses increased 6% linked-quarter, driven by merit increases, deferred compensation expense, and operational losses, with elevated legal and consulting costs. The company faces ongoing competitive pressure in loan pricing, though it maintains strong yields through relationship-based strategies. Contractual purchase accounting accretion is expected to decline, with lower expected benefits in the second half of 2026, potentially impacting net interest income. Q: Can you provide more detail on the strong gross loan production trends and the outlook for pipelines?A: J. Mariner Kemper (Chairman and CEO) stated that growth is "business as usual," with expansion across all regions and verticals, driven primarily by market share gains rather than overall economic activity. He noted trends like increased private equity, family office purchasing, and ESOP activity. Jim Rine (President) added that growth is led by C&I and comes from across the entire footprint, with pipelines continuing to look strong for the next 90 days. Q: What is the outlook for core net interest margin (NIM), and what are the drivers behind the flattish guidance?A: Ram Shankar (CFO) explained that the flattish core NIM outlook is based on loan yields grinding up (from 5.99% to 6.01% excluding purchase accounting adjustments) and deposit costs increasing only modestly (up 2 basis points). The actual margin impact will depend on DDA growth and deposit mix. He also noted the balance sheet is well-hedged, with only a 47% impact on NII for a 100 basis point move in rates. Q: How should we think about the growth trajectory of core fee income, particularly in trust and securities processing?A: Mariner Kemper stated that the company expects to continue its current growth rate in trust and securities processing, with possible upside. He highlighted a very strong pipeline and continued market share gains, particularly in Fund Services, where the company has shifted from start-up fund business to competing for larger, more complex mandates. He also cited benefits from platforms democratizing alternative investing. Q: What is the potential impact of new capital rules on your CET1 target and capital deployment priorities?A: Ram Shankar (CFO) noted preliminary assessments suggest a potential net benefit of 50 to 60 basis points to CET1 after inclusion of AOCI. He reiterated that organic loan growth remains the top priority for capital deployment. Mariner Kemper added that the company takes a balanced approach, as evidenced by the recent 16.3% dividend increase and opportunistic share repurchases. Q: How has loan pricing competition evolved across your footprint, and what are new loans coming on at?A: Mariner Kemper stated that UMB maintains one of the best loan yields in its peer group, with steady linked-quarter performance. He emphasized that competition is always present, but the company manages mix between variable and fixed-rate loans based on interest rate expectations. He expressed confidence in maintaining leading loan yields through the company's value proposition and relationship-based approach. Q: What is the outlook for deposit growth, particularly regarding seasonality in public funds and Investor Solutions?A: Mariner Kemper explained that the third quarter is typically a seasonal low point for deposits, primarily due to public funds, with a rebound expected in the fourth quarter. He distinguished between seasonal and episodic deposit activity, noting that institutional businesses can create noise on a month-to-month basis. He directed investors to focus on long-term trends (Page 40 of the deck) rather than quarter-to-quarter fluctuations. Q: What matters most for growth in the institutional businesses like Fund Services and Corporate Trust from a market perspective?A: Mariner Kemper explained that debt issuance activity, both public and private, is a key leading indicator for Corporate Trust, where UMB acts as an administrator. For Fund Services, the company benefits from CLO, ABL, and ABS activity. Jim Rine added that market penetration and taking share from other providers is also a significant driver of growth, regardless of market conditions. Q: What drove the increase in loan paydowns in the second quarter, and how should we think about the cadence going forward?A: Mariner Kemper noted that Q1 was an anomaly low quarter for paydowns, and Q2 is more normalized relative to the previous three quarters. He stated that the current environment is not indicative of increased payoffs, and with potential rate increases expected by year-end, there is little expectation for accelerated payoffs in the near term. Q: Can you provide color on the off-balance sheet deposits and their impact on fee income?A: Mariner Kemper clarified that the growth of fee income is independent of whether deposits are on or off the balance sheet. He noted that off-balance sheet deposits grew 3.6% to $23.7 billion, and the company could bring a large portion on balance sheet if desired at market rates, but this would not affect fee income. Q: What is the expectation for the loan-to-deposit ratio, and at what level would you step up deposit pricing urgency?A: Mariner Kemper emphasized that the company has always maintained the same level of urgency regarding core deposit growth, which he considers the essence of the balance sheet's value. He directed investors to focus on long-term deposit growth trends (Page 40 of the deck) rather than a specific loan-to-deposit ratio target, expressing confidence in the company's ability to continue delivering steady growth. For the complete transcript of the earnings call, please refer to the full earnings call transcript.

In late July 2026, UMB Financial Corporation reported higher second-quarter net interest income of US$532.53 million and net income of US$277.57 million year over year, while the board approved a 16.3% increase in the quarterly common dividend to US$0.50 per share and maintained preferred dividends, alongside modestly higher net charge-offs of US$15.9 million. Together with limited recent buyback activity, the stronger earnings and bigger cash returns to shareholders highlight management’s emphasis on income distribution over share repurchases at this stage. We’ll now assess how UMB Financial’s stronger quarterly earnings and higher common dividend affect the previously outlined investment narrative for the bank. Rare earth metals are an input to most high-tech devices, military and defence systems and electric vehicles. The global race is on to secure supply of these critical minerals. Beat the pack to uncover the 29 best rare earth metal stocks of the very few that mine this essential strategic resource. To own UMB Financial, you need to believe it can keep translating its regional banking and fee businesses into solid earnings while managing credit quality and integration of recent acquisitions. The latest quarter’s higher net interest income and earnings, alongside a larger common dividend, supports the near term earnings narrative, while the modest uptick in net charge offs does not materially change credit risk as the key watchpoint for now. The 16.3% increase in the quarterly common dividend to US$0.50 per share is the clearest link between the strong second quarter results and shareholder returns, reinforcing income as a key part of the story. With buybacks largely on hold in recent months, the balance of capital returns currently tilts toward cash dividends, which sits alongside the earlier identified cost saving and integration milestones as the main potential drivers of sentiment around the stock. Yet investors should be aware that if credit costs rise faster than expected, especially on the expanded loan book from Heartland, then... Read the full narrative on UMB Financial (it's free!) UMB Financial's narrative projects $3.5 billion revenue and $1.2 billion earnings by 2029. This requires 7.8% yearly revenue growth and about a $0.3 billion earnings increase from $917.3 million today. Uncover how UMB Financial's forecasts yield a $164.38 fair value, a 13% upside to its current price. Two Simply Wall St Community fair value estimates span a wide band from US$164.38 to US$287.47, showing how far apart individual views can be. As you weigh those opinions against UMB Financial’s reliance on successful Heartland integration to lift margins, it is worth exploring several alternative viewpoints before deciding how this fits into your portfolio. Explore 2 other fair value estimates on UMB Financial - why the stock might be worth just $164.38! Disagree with existing narratives? Extraordinary investment returns rarely come from following the herd, so go with your instincts. A great starting point for your UMB Financial research is our analysis highlighting 4 key rewards and 1 important warning sign that could impact your investment decision. Our free UMB Financial research report provides a comprehensive fundamental analysis summarized in a single visual - the Snowflake - making it easy to evaluate UMB Financial's overall financial health at a glance. Markets shift fast. These stocks won't stay hidden for long. Get the list while it matters: The future of work is here. Discover the 35 top robotics and automation stocks leading the charge in AI-driven automation and industrial transformation. This technology could replace computers: discover 26 stocks that are working to make quantum computing a reality. Capitalize on the AI infrastructure supercycle with our selection of the 57 best 'picks and shovels' of the AI gold rush converting record-breaking demand into massive cash flow. This article by Simply Wall St is general in nature. We provide commentary based on historical data and analyst forecasts only using an unbiased methodology and our articles are not intended to be financial advice. It does not constitute a recommendation to buy or sell any stock, and does not take account of your objectives, or your financial situation. We aim to bring you long-term focused analysis driven by fundamental data. Note that our analysis may not factor in the latest price-sensitive company announcements or qualitative material. Simply Wall St has no position in any stocks mentioned. Companies discussed in this article include UMBF. Have feedback on this article? Concerned about the content? Get in touch with us directly. Alternatively, email [email protected]

Track your investments for FREE with Simply Wall St, the portfolio command center trusted by over 7 million individual investors worldwide. UMB Financial (UMBF) has moved into the spotlight after reporting higher second quarter net interest income and net income compared with a year earlier, alongside a 16.3% increase in its quarterly common dividend. See our latest analysis for UMB Financial. Recent earnings and dividend announcements have come alongside firm share price momentum for UMB Financial, with a 25.11% year to date share price return and a 36.36% 1 year total shareholder return supporting the stock’s longer term gains. If UMB Financial’s recent move has you looking for other potential opportunities in financials and beyond, this is a good moment to scan the market via the 18 top founder-led companies UMB Financial’s earnings and dividend moves have pulled the stock sharply higher, yet analyst targets and intrinsic value estimates still sit above today’s price. Where does a reasonable fair value actually fall within that spread? On the latest view, the most followed narrative pegs UMB Financial’s fair value at $164.38, compared with a last close of $145.73, which leaves a noticeable valuation gap to unpack. Read the complete narrative. Read the complete narrative. Want to understand why this fair value sits above the current price? The narrative focuses on rising margins, steadier fee income, and a richer earnings profile a few years out. Result: Fair Value of $164.38 (UNDERVALUED) Have a read of the narrative in full and understand what's behind the forecasts. However, UMB Financial’s story still carries risk, particularly around the Heartland integration and its sizeable branch footprint, which could limit the margin gains analysts are modeling. Find out about the key risks to this UMB Financial narrative. While the narrative and analyst targets suggest UMB Financial looks undervalued, the P/E picture is more restrained. The stock trades on 12.1x earnings, slightly above both the US Banks industry and peer average of 11.9x, yet below an estimated fair ratio of 13.9x. That mix points to some upside potential but also a risk that expectations are already priced in. This raises the question: which signal should investors focus on? For a closer look at what this gap between current P/E levels and the fair ratio could mean in practice, including how it might close over time, See what the numbers say about this price — find out in our valuation breakdown. With mixed sentiment around UMB Financial, this is a good time to move quickly, review the full picture, and decide where you stand. To weigh up both the risks and potential rewards in one place, start with the 4 key rewards and 1 important warning sign If you are serious about building a stronger portfolio, do not stop at UMB Financial. Use these screeners to spot opportunities before they move. Target higher potential returns by reviewing companies priced below their estimated worth through the 55 high quality undervalued stocks Strengthen your income stream by focusing on reliable payers using the 9 dividend fortresses Prioritise capital protection by filtering for companies with resilient profiles via the 81 resilient stocks with low risk scores This article by Simply Wall St is general in nature. We provide commentary based on historical data and analyst forecasts only using an unbiased methodology and our articles are not intended to be financial advice. It does not constitute a recommendation to buy or sell any stock, and does not take account of your objectives, or your financial situation. We aim to bring you long-term focused analysis driven by fundamental data. Note that our analysis may not factor in the latest price-sensitive company announcements or qualitative material. Simply Wall St has no position in any stocks mentioned. Companies discussed in this article include UMBF. Have feedback on this article? Concerned about the content? Get in touch with us directly. Alternatively, email [email protected]

Interested in UMB Financial Corporation? Here are five stocks we like better. Strong quarterly performance: UMB Financial reported $271.8 million in Q2 net income, or $3.56 per diluted share, supported by robust loan growth, higher fee income and investment gains. Operating return on tangible common equity was 20.3%. Loan growth and credit quality remained favorable: Average loans rose at a 12.6% annualized rate, with commercial and industrial loans growing nearly 22%. Net charge-offs were low at 16 basis points, while nonperforming loans improved to 31 basis points. Positive outlook with capital returns: Management expects core net interest margin to remain broadly stable in Q3, operating expenses of about $390 million and positive operating leverage for 2026. UMB also raised its quarterly dividend 16.3% to $0.50 per share. S&P Downgrades 5 Banks: What Does It Mean For The Market? UMB Financial (NASDAQ:UMBF) reported second-quarter 2026 net income of $271.8 million, or $3.56 per diluted share, as loan growth, fee income expansion and investment gains supported results. The company posted an operating return on tangible common equity of 20.3% and an operating efficiency ratio of 48.1%. Chairman and CEO Mariner Kemper said average loan balances increased at a 12.6% annualized rate from the first quarter, supported by a record $2.6 billion in gross loan production. Commercial and industrial loan balances grew at a nearly 22% annualized pace, with activity led by markets including St. Louis, Utah, Texas and Arizona. → This Tiny AI Supplier Could Be More Important Than the Chipmakers Kemper said the company’s loan momentum reflected market-share gains more than changes in the broader economy. “It’s business as usual,” he said, adding that growth was occurring across regions and verticals and that the next 90 days appeared similar to the prior 90 days. Credit metrics remained strong during the quarter. Net charge-offs were 16 basis points of average loans, while nonperforming loans declined to 31 basis points of loans from 38 basis points in the first quarter. → Refiner Stocks Are Near Record Highs—Can Iran-Driven Margins Keep Them There? Reported net interest margin was 3.32%, including a 23-basis-point benefit from purchase-accounting adjustments. Excluding that impact, core net interest margin was 3.09%, up four basis points sequentially. Chief Financial Officer Ram Shankar attributed the improvement primarily to a favorable shift in earning-asset mix toward loans and changes in liquidity levels. The company recorded $35.9 million of net interest income from purchase-accounting adjustments, including $10.9 million of accelerated accretion tied to early payoffs of acquired loans. UMB expects approximately $46 million of contractual accretion during the remainder of 2026 and $77 million in 2027. → Innovative ETF Strategies That Are Paying Off This Summer For the third quarter, Shankar said UMB expects core margin to remain relatively flat compared with the second-quarter adjusted margin. The outlook will depend on demand deposit account growth, excess liquidity, SOFR movements and lending and funding mix shifts. Average deposits were flat from the first quarter. Growth in commercial and asset-servicing deposits was offset by seasonal declines in public funds and lower investor-solutions balances. The average cost of interest-bearing deposits was also roughly unchanged. Kemper said the third quarter is typically a seasonal low point for deposits, particularly because of public-fund flows, but management expects stronger activity in the second half of the year. He emphasized that the company views deposits over longer periods rather than focusing on quarterly changes because institutional client activity can create episodic swings. UMB’s off-balance-sheet deposits increased 3.6% sequentially to $23.7 billion. Kemper said the company could bring a portion of those client deposits onto the balance sheet at market rates if needed, without affecting fee income. The company also had nearly $1.5 billion of excess cash and $2.3 billion of securities scheduled to mature or roll off over the next 12 months. Management did not provide a target for its loan-to-deposit ratio, instead pointing to the company’s historical ability to produce steady deposit growth. Kemper said core deposits remain central to the company’s balance-sheet value and have remained a priority throughout his tenure as CEO. Noninterest income rose $40.7 million, or nearly 20%, from the first quarter to $245.5 million. The increase included $27.1 million in net gains from private investment holdings, primarily related to Beacon Communications and SpaceX Technologies, as well as higher 12b-1 and money-market income and continued strength in fund services and corporate trust. Total fee income from institutional banking businesses increased 6% sequentially and 19.6% from a year earlier. Asset servicing and corporate trust each posted fee-income growth of more than 20% year over year. Excluding investment gains and mark-to-market effects related to company-owned life insurance, core fee income was about $210 million. Kemper said UMB expects trust and securities-processing revenue to maintain its general growth rate, potentially with upside, citing strong pipelines and market-share gains. He said fund services has shifted over the past decade toward larger and more complex client relationships, while the company has also benefited from platforms expanding access to alternative investments. Operating noninterest expense totaled $398 million, up 6% from the first quarter. The increase included merit-related salary and benefit expenses, higher deferred compensation expense and $4.1 million of operational losses. Shankar said UMB expects third-quarter operating expenses of approximately $390 million, in line with consensus expectations. UMB’s common equity Tier 1 ratio increased 29 basis points during the quarter to 11.45% as of June 30. The company raised its quarterly common dividend 16.3% to $0.50 per share and repurchased approximately 38,000 shares for $5 million. Management said its first capital priority remains supporting organic loan growth. Shankar said a preliminary assessment of potential new capital rules suggests a possible net benefit of 50 to 60 basis points after including accumulated other comprehensive income, depending on changes to risk-weighted assets. The company expects to maintain positive operating leverage for full-year 2026, despite the effect of lower expected contractual accretion income. Its effective tax rate was 20.8% in the second quarter, and management expects a 2026 tax rate between 20% and 22%. UMB Financial Corporation (NASDAQ: UMBF) is a diversified financial services holding company headquartered in Kansas City, Missouri. Through its principal banking subsidiary, UMB Bank, N.A., the company provides a full suite of commercial and consumer banking services. Key offerings include deposit accounts, commercial and consumer lending, treasury and cash management, as well as online and mobile banking solutions designed to serve businesses, individuals and municipalities. In addition to its core banking operations, UMB Financial delivers wealth management and trust services, investment advisory, asset management and retirement planning to high-net-worth individuals, families and institutions. This instant news alert was generated by narrative science technology and financial data from MarketBeat in order to provide readers with the fastest reporting and unbiased coverage. Please send any questions or comments about this story to [email protected]. The article "UMB Financial Q2 Earnings Call Highlights" was originally published by MarketBeat. View MarketBeat's top stocks for July 2026.

UMB Financial Corp. UMBF reported second-quarter 2026 adjusted operating earnings per share of $3.57, beating the Zacks Consensus Estimate of $3.08. The bottom line also increased from $2.96 in the year-ago quarter. The company delivered a strong quarterly performance, supported by solid growth in net interest income (NII), higher non-interest income and continued loan growth. Improved efficiency and strong credit quality further supported the results. Results include certain non-recurring items. After considering those, net income (GAAP basis) available to common shareholders for UMBF was $271.8 million in the second quarter, up 26.2% from the year-ago quarter. Quarterly revenues were $786.9 million, rising 14.2% year over year. The metric beat the Zacks Consensus Estimate by 8.4%. NII was $532.5 million, up 14% from the prior-year quarter. On a fully-taxable-equivalent basis, the net interest margin was 3.32%, up 22 basis points year over year. The increase was primarily driven by favorable deposit repricing following lower short-term interest rates and growth in average loans and securities. Non-interest income was $245.5 million, up 10.5% year over year. The increase was primarily driven by higher trust and securities processing income, other income, and brokerage income. These increases were partially offset by lower investment securities gains. Non-interest expenses were $399.6 million, up 1.6% year over year. Second-quarter 2026 expenses included $1.7 million in total acquisition-related and other non-recurring costs. Operating non-interest expenses (adjusted basis) were $398 million, up 4.7% year over year. The efficiency ratio declined to 48.4% from the prior-year quarter’s 53.4%. A decline in the efficiency ratio indicates an increase in profitability. Average loans for the second quarter were $40.6 billion, up 3.2% sequentially and 11.6% from the prior-year quarter. End-of-period loans stood at $41.1 billion as of June 30, 2026. Average deposits remained flat sequentially and increased 3.5% year over year to $57.6 billion. Average interest-bearing deposits increased 3.9%, while non-interest-bearing demand deposit balances rose 2.1% from the prior-year quarter. Net charge-offs totaled $15.9 million, or 0.16% of average loans, compared with $15.5 million, or 0.17%, in the year-ago quarter. Total non-accrual and restructured loans were $127.5 million compared with $97 million in the year-ago quarter. The provision for credit losses was $28 million in the second quarter of 2026, up from $21 million in the prior-year quarter. As of June 30, 2026, the Tier 1 risk-based capital ratio was 12.02% compared with 11.24% as of June 30, 2025. The Tier 1 leverage ratio was 9.11% compared with 8.34% in the year-ago quarter. The total risk-based capital ratio was 13.80%, up from 13.46% a year ago. In the second quarter of 2026, the company repurchased 38,158 common shares at a weighted average price of $132.10 for a total repurchase of $5 million. Return on average assets at the second-quarter end was 1.55% compared with the year-ago quarter’s 1.29%. Return on average common equity was 14.16% compared with 12.72% in the year-ago quarter. UMB Financial posted robust second-quarter 2026 results, driven by strong NII growth, higher non-interest income, continued loan growth, the impacts of acquired Heartland Financial balances and improved operating efficiency. However, higher non-interest expenses and provision for credit losses were concerns. Going forward, continued balance sheet growth, disciplined expense management and prudent risk management will be the key to sustaining UMBF’s performance momentum. UMB Financial Corporation price-consensus-eps-surprise-chart | UMB Financial Corporation Quote UMBF currently carries a Zacks Rank #3 (Hold). You can see the complete list of today's Zacks #1 Rank (Strong Buy) stocks here. First Horizon Corporation FHN posted second-quarter 2026 earnings per share of 54 cents, surpassing the Zacks Consensus Estimate of 52 cents. This compares favorably with 45 cents in the year-ago quarter. FHN’s results benefited from higher NII and non-interest income, along with a lower provision for credit losses. Higher loan and deposit balances also provided support. However, rising expenses and weaker capital ratios were headwinds. M&T Bank Corporation MTB reported second-quarter net operating earnings per share of $5.35, which beat the Zacks Consensus Estimate of $4.66. The bottom line compared favorably with earnings of $4.28 in the year-ago quarter. MTB’s results were aided by higher NII and a rise in non-interest income on a year-over-year basis, along with loan growth. However, higher expenses acted as headwinds. Want the latest recommendations from Zacks Investment Research? Today, you can download 7 Best Stocks for the Next 30 Days. Click to get this free report UMB Financial Corporation (UMBF) : Free Stock Analysis Report M&T Bank Corporation (MTB) : Free Stock Analysis Report First Horizon Corporation (FHN) : Free Stock Analysis Report This article originally published on Zacks Investment Research (zacks.com). Zacks Investment Research

Second Quarter 2026 Financial Highlights GAAP net income available to common shareholders of $271.8 million, or $3.56 per diluted common share, an increase of 26.2% as compared to the second quarter of 2025. Net operating income available to common shareholders(i) of $273.0 million, or $3.57 per diluted common share, an increase of 21.1% as compared to the second quarter of 2025. Second quarter revenue totaled $778.0 million, a 12.9% increase as compared to the second quarter of 2025, and an increase of 5.3% from the first quarter of 2026. Net interest income of $532.5 million, an increase of 14.0% as compared to the second quarter of 2025. Net interest margin on a fully taxable equivalent basis of 3.32%, up 22 basis points from the second quarter of 2025. Noninterest income increased 10.5% to $245.5 million compared to the second quarter of 2025, and increased 19.9% from the first quarter of 2026. Second quarter 2026 return on average assets of 1.55% and return on average common equity of 14.16%. GAAP efficiency ratio improved to 48.4% as compared to 53.4% in the second quarter of 2025. Average loans increased 12.6% on a linked-quarter, annualized basis to $40.6 billion; average loans increased $4.2 billion, or 11.6%, as compared to the second quarter of 2025. End-of-period loans were $41.1 billion at June 30, 2026. Net charge-offs for the second quarter of 2026 totaled $15.9 million, equal to 16 basis points of average loans; nonperforming loans improved to 31 basis points of total loans, from 38 basis points at March 31, 2026. (i) A non-GAAP financial measure reconciled later in this release to the nearest comparable GAAP measure. KANSAS CITY, Mo., July 28, 2026--(BUSINESS WIRE)--UMB Financial Corporation (Nasdaq: UMBF), a financial services company, announced net income available to common shareholders for the second quarter of 2026 of $271.8 million, or $3.56 per diluted share, compared to $255.6 million, or $3.35 per diluted share, in the first quarter of 2026 (linked quarter) and $215.4 million, or $2.82 per diluted share, in the second quarter of 2025. Net operating income available to common shareholders, a non-GAAP financial measure reconciled later in this release to net income available to common shareholders, the nearest comparable GAAP measure, was $273.0 million, or $3.57 per diluted share, for the second quarter of 2026, compared to $259.8 million, or $3.41 per diluted share, for the linked quarter and $225.4 million, or $2.96 per diluted share, for the second quarter of 2025. Operating pre-tax, pre-provision income (operating PTPP), a non-GAAP measure reconciled later in this release to the components of net income before taxes, the nearest comparable GAAP measure, was $380.1 million, or $4.97 per diluted share, for the second quarter of 2026, compared to $363.8 million, or $4.76 per diluted share, for the linked quarter, and $309.2 million, or $4.06 per diluted share, for the second quarter of 2025. These operating PTPP results represent a 4.5% increase on a linked-quarter basis and a 22.9% increase compared to the second quarter of 2025. "Our strong second quarter financial results were once again driven by solid loan growth, exceptional asset quality, and continued strength in our fee income-generating businesses including monetization of investments held in our private investment division," said Mariner Kemper, UMB Financial Corporation chairman and chief executive officer. "Loan growth averaged 12.6% on a linked-quarter annualized basis, driven in large part by continued strength in our commercial and industrial (C&I) lending segments. Average loans exceeded $40 billion for the first time in our history, ending the quarter at $41.1 billion. During the quarter, we also reached a new record for total gross loan production of $2.6 billion, compared to $2.3 billion in the prior quarter. Average C&I loan balances increased 21.6% on a linked-quarter annualized basis to $17.5 billion. At the same time, our net charge-offs averaged a modest 16 basis points of loans, compared to 19 basis points in the prior quarter, while nonperforming loans declined 15.7% from March 31, 2026, to $127.5 million, or 31 basis points of total loans." "As we often say, and consistently demonstrate, within the banking industry, UMB operates at the unique intersection of strong organic loan growth with exceptional asset quality. Excluding the impacts of $35.9 million and $51.0 million in purchase accounting accretion benefits in the second and first quarters of 2026, respectively, our core net interest margin increased four basis points sequentially while net interest income increased 2.7%. Fee income in the second quarter increased 19.9% compared to the prior quarter to $245.5 million. This was led by gains on equity positions held in our private investment portfolio, strong fee generation from our fund services, corporate trust and custody businesses, higher 12b-1 fees from growth in off-balance sheet deposit balances, customer swap fees, and card interchange income. Our private investment activity continued to deliver in the second quarter with $27.1 million in net gains from our holdings, primarily Beacon Communications, LLC and fund investment gains related to the public offering of Space Exploration Technologies (SpaceX)." Mr. Kemper continued, "Finally, we are excited to announce that the board of directors has declared a dividend of $0.50 per common share to be paid on October 1, 2026, which represents a 16.3% increase from prior levels. This increase reflects our continued strong financial performance and our commitment to return value to our shareholders." Second quarter 2026 earnings discussion Note: The acquisition of Heartland Financial USA, Inc. (HTLF) closed on January 31, 2025; as such, financial results for the fiscal periods since that date include the impact from the acquired operations. Financial results for the first quarter and year-to-date 2025 include only two and five months, respectively, of impact of the acquired operations of HTLF. Net interest income Second quarter 2026 net interest income totaled $532.5 million, a decrease of $1.8 million, or 0.3%, from the linked quarter, driven primarily by declines in purchase accounting accretion benefits and interest income on lower federal funds and interest-bearing due from banks balances, alongside an increase in interest expense due to the mix shift in the funding composition within deposit categories. These changes were partially offset by continued organic growth in loans, increased loan fees, benefit from an additional day in the quarter, and favorable rate and mix shifts in earning assets. Average earning assets increased $173.8 million, or 0.3%, from the linked quarter, largely driven by an increase of $1.2 billion in average loans, partially offset by decreases of $506.0 million in average federal funds and resell agreements and $480.6 million in average interest-bearing due from banks. Average interest-bearing liabilities increased $293.6 million, or 0.6%, from the linked quarter, primarily driven by an increase of $401.7 million, or 0.9%, in interest-bearing deposits, partially offset by a decrease of $111.2 million, or 3.1%, in federal funds and repurchase agreements. Average total deposits were flat compared to the linked quarter. Net interest margin for the second quarter was 3.32%, a decrease of six basis points from the linked quarter, due to lower purchase accounting accretion income that impacted the yields on loans, and a lower benefit from free funds, partially offset by a favorable mix shift in earning assets. On a year-over-year basis, net interest income increased $65.5 million, or 14.0%, driven by favorable repricing of deposits in conjunction with lower short-term interest rates, and increases of $4.2 billion, or 11.6%, in average loans and $2.2 billion, or 12.6%, in average securities. These increases were partially offset by a decrease of $2.9 billion, or 44.3%, in average interest-bearing due from banks and $6.3 million in lower purchase accounting accretion income. Average deposits increased 3.5% compared to the second quarter of 2025. Average interest-bearing deposits increased 3.9%, and noninterest-bearing demand deposit balances increased 2.1% compared to the second quarter of 2025. Average demand deposit balances comprised 25.5% of total deposits in the second quarter of 2026, compared to 26.2% in the linked quarter and 25.9% in the second quarter of 2025. Noninterest income Second quarter 2026 noninterest income increased $40.7 million, or 19.9%, on a linked-quarter basis, largely due to: Compared to the prior year, noninterest income in the second quarter of 2026 increased $23.3 million, or 10.5%, primarily driven by: Noninterest expense GAAP noninterest expense for the second quarter of 2026 was $399.6 million, an increase of $18.8 million, or 4.9%, from the linked quarter and $6.5 million, or 1.6%, from the second quarter of 2025. Second quarter 2026 expenses included $1.7 million in total acquisition-related and other nonrecurring costs, compared to $4.4 million in the linked quarter and $13.5 million in the second quarter of 2025. Operating noninterest expense, a non-GAAP financial measure reconciled later in this release to noninterest expense, the nearest comparable GAAP measure, was $398.0 million for the second quarter of 2026, an increase of $22.6 million, or 6.0%, from the linked quarter and an increase of $17.9 million, or 4.7%, from the second quarter of 2025. The linked-quarter increase in GAAP noninterest expense was driven by: The year-over-year increase in GAAP noninterest expense was driven by: Second quarter 2026 noninterest expense included $1.7 million in total acquisition-related and other nonrecurring costs, compared to $4.4 million in the linked quarter and $13.5 million in the second quarter of 2025. During the second quarter of 2026, this expense was composed primarily of $1.7 million in legal and consulting expense. During the linked quarter, the $4.4 million in acquisition-related expense was composed primarily of $4.0 million in salaries and employee benefits. During the second quarter of 2025, acquisition-related expense was primarily composed of $7.5 million in legal and consulting expense, $4.3 million in salaries and employee benefits, and $1.1 million in supplies and services expense. Income taxes The company’s effective tax rate was 20.9% for the six months ended June 30, 2026, compared to 18.8% for the same period in 2025. The increase is mainly due to more favorable discrete tax items in 2025, including a benefit from remeasuring deferred tax assets after the HTLF acquisition increased the state marginal tax rate. Additionally, a smaller proportion of pre-tax income in 2026 was earned from tax-exempt municipal securities. Balance sheet Average total assets for the second quarter of 2026 were $70.4 billion compared to $70.4 billion for the linked quarter and $66.9 billion for the same period in 2025. Average loans for the second quarter of 2026 increased $1.2 billion, or 3.2%, on a linked-quarter basis and $4.2 billion, or 11.6%, compared to the second quarter of 2025. These increases reflect continued organic momentum across all geographies. Average total securities decreased 0.4% on a linked-quarter basis and increased 12.7% compared to the second quarter of 2025. Average deposits remained flat on a linked-quarter basis as seasonal declines in public funds and commercial demand deposit balances were offset by increases in other interest-bearing deposit balances within the commercial banking segment. Average deposits increased 3.5% compared to the second quarter of 2025. Capital In the second quarter of 2026, the company repurchased 38,158 common shares at a weighted average price of $132.10 for a total repurchase of $5.0 million. At June 30, 2026, the regulatory capital ratios presented in the foregoing table exceeded all "well-capitalized" regulatory thresholds. Asset Quality Provision for credit losses for the second quarter of 2026 increased $1.0 million from the linked quarter and $7.0 million from the second quarter of 2025. The change in provision expense is driven by ongoing recalibrations of econometric loss models and general portfolio trends in the current periods as compared to the prior periods. Net charge-offs for the second quarter totaled $15.9 million, or 0.16% of average loans, compared to $18.9 million, or 0.19% of average loans in the linked quarter, and $15.5 million, or 0.17% of average loans for the second quarter of 2025. Nonperforming loans declined 15.7% to $127.5 million and comprised 31 basis points of total loans, compared to 38 basis points at March 31, 2026. Conference Call The company will host a conference call to discuss its second quarter 2026 earnings results on Wednesday, July 29, 2026, at 8:30 a.m. (CT). Interested parties may access the call by dialing (toll-free) 888-596-4144 or (international) 646-968-2525 and requesting to join the UMB Financial call with conference ID 8227474#. The live webcast may also be accessed by visiting investorrelations.umb.com or by using the following link: UMB Financial 2Q 2026 Conference Call A replay of the conference call may be heard through August 12, 2026, by calling (toll-free) 800-770-2030 or (international) 609-800-9909. The replay access code required for playback is 8227474. The call replay may also be accessed at investorrelations.umb.com. Non-GAAP Financial Information In this release, we provide information about net operating income available to common shareholders, operating earnings per share – diluted (operating EPS), operating return on average common equity (operating ROE), operating return on average assets (operating ROA), operating noninterest expense, operating efficiency ratio, operating pre-tax, pre-provision income (operating PTPP), operating pre-tax, pre-provision earnings per share – diluted (operating PTPP EPS), operating pre-tax, pre-provision income on a fully tax equivalent basis (operating PTPP-FTE), operating pre-tax, pre-provision FTE earnings per share – diluted (operating PTPP-FTE EPS), tangible common shareholders’ equity, and tangible book value per share, all of which are non-GAAP financial measures. This information supplements the results that are reported according to generally accepted accounting principles in the United States (GAAP) and should not be viewed in isolation from, or as a substitute for, GAAP results. The differences between the non-GAAP financial measures – net operating income available to common shareholders, operating EPS, operating ROE, operating ROA, operating noninterest expense, operating efficiency ratio, operating PTPP, operating PTPP EPS, operating PTPP-FTE, operating PTPP-FTE EPS, tangible common shareholders’ equity, and tangible book value per share – and the nearest comparable GAAP financial measures are reconciled later in this release. The company believes that these non-GAAP financial measures and the reconciliations may be useful to investors because they adjust for acquisition- and severance-related items, and the FDIC special assessment that management does not believe reflect the company’s fundamental operating performance. Net operating income available to common shareholders for the relevant period is defined as GAAP net income available to common shareholders, adjusted to reflect the impact of excluding expenses related to Day 1 acquisition provision expense, acquisitions, severance expense, the FDIC special assessment, and the cumulative tax impact of these adjustments. Operating EPS (diluted) is calculated as earnings per share as reported, adjusted to reflect, on a per share basis, the impact of excluding the non-GAAP adjustments described above for the relevant period. Operating ROE is calculated as net operating income available to common shareholders, divided by the company’s average total common shareholders’ equity for the relevant period. Operating ROA is calculated as net operating income available to common shareholders, divided by the company’s average assets for the relevant period. Operating noninterest expense for the relevant period is defined as GAAP noninterest expense, adjusted to reflect the pre-tax impact of non-GAAP adjustments described above. Operating efficiency ratio is calculated as the company’s operating noninterest expense, net of amortization of other intangibles, divided by the company’s total non-GAAP revenue (calculated as net interest income plus noninterest income, less gains on sales of securities available for sale, net). Operating PTPP income for the relevant period is defined as GAAP net interest income plus GAAP noninterest income, less noninterest expense, adjusted to reflect the impact of excluding expenses related to acquisitions and severance, and the FDIC special assessment. Operating PTPP-FTE for the relevant period is defined as GAAP net interest income on a fully tax equivalent basis plus GAAP noninterest income, less noninterest expense, adjusted to reflect the impact of excluding expenses related to acquisitions and severance, and the FDIC special assessment. Tangible common shareholders’ equity for the relevant period is defined as GAAP common shareholders’ equity, net of intangible assets. Tangible book value per share is defined as tangible common shareholders’ equity divided by the company’s total common shares outstanding. Forward-Looking Statements: This press release contains, and our other communications may contain, forward-looking statements within the meaning of the Private Securities Litigation Reform Act of 1995. These statements can be identified by the fact that they do not relate strictly to historical or current facts. Forward-looking statements often use words such as "believe," "expect," "anticipate," "intend," "estimate," "project," "outlook," "forecast," "target," "trend," "plan," "goal," or other words of comparable meaning or future-tense or conditional verbs such as "may," "will," "should," "would," or "could." Forward-looking statements convey our expectations, intentions, or forecasts about future events, circumstances, results, or aspirations. All forward-looking statements are subject to assumptions, risks, and uncertainties, which may change over time and many of which are beyond our control. You should not rely on any forward-looking statement as a prediction or guarantee about the future. Our actual future objectives, strategies, plans, prospects, performance, condition, or results may differ materially from those set forth in any forward-looking statement. Some of the factors that may cause actual results or other future events, circumstances, or aspirations to differ from those in forward-looking statements are described in our Annual Report on Form 10-K for the year ended December 31, 2025, our subsequent Quarterly Reports on Form 10-Q or Current Reports on Form 8-K, or other applicable documents that are filed or furnished with the U.S. Securities and Exchange Commission (SEC). In addition to such factors that have been disclosed previously: macroeconomic and adverse developments and uncertainties related to the collateral effects of the collapse of, and challenges for, domestic and international banks, including the impacts to the U.S. and global economies; sustained levels of high inflation and the potential for an economic recession on the heels of aggressive quantitative tightening by the Federal Reserve; and impacts related to or resulting from instability in the Middle East and Russia’s military action in Ukraine, such as the broader impacts to financial markets and the global macroeconomic and geopolitical environments, may also cause actual results or other future events, circumstances, or aspirations to differ from our forward-looking statements. Any forward-looking statement made by us or on our behalf speaks only as of the date that it was made. We do not undertake to update any forward-looking statement to reflect the impact of events, circumstances, or results that arise after the date that the statement was made, except to the extent required by applicable securities laws. You, however, should consult further disclosures (including disclosures of a forward-looking nature) that we may make in any subsequent Annual Report on Form 10-K, Quarterly Report on Form 10-Q, Current Report on Form 8-K, or other applicable document that is filed or furnished with the SEC. About UMB: UMB Financial Corporation (Nasdaq: UMBF) is a financial services company headquartered in Kansas City, Mo. UMB offers commercial banking, which includes comprehensive deposit, lending, investment and retirement plan services; personal banking, which includes comprehensive deposit, lending, wealth management and financial planning services; and institutional banking, which includes asset servicing, corporate trust solutions, investment banking and healthcare services. UMB operates branches throughout Missouri, Arizona, California, Colorado, Iowa, Kansas, Illinois, Minnesota, Nebraska, New Mexico, Oklahoma, Texas, Utah, and Wisconsin. As the company’s reach continues to grow, it also serves business clients nationwide and institutional clients in several countries. For more information, visit UMB.com, UMB Blog, UMB Facebook and UMB LinkedIn. The company has strategically aligned its operations into the following three reportable segments: Commercial Banking, Institutional Banking, and Personal Banking. Senior executive officers regularly evaluate business segment financial results produced by the company’s internal reporting system in deciding how to allocate resources and assess performance for individual business segments. The company’s reportable segments include certain corporate overhead, technology and service costs that are allocated based on methodologies that are applied consistently between periods. For comparability purposes, amounts in all periods are based on methodologies in effect at June 30, 2026. Non-GAAP Financial Measures View source version on businesswire.com: https://www.businesswire.com/news/home/20260728374318/en/ Contacts Media Contact: Stephanie Hollander: 816.729.1027Investor Relations Contact: Kay Gregory: 816.860.7106

UMB Financial (UMBF) came out with quarterly earnings of $3.57 per share, beating the Zacks Consensus Estimate of $3.08 per share. This compares to earnings of $2.96 per share a year ago. These figures are adjusted for non-recurring items. This quarterly report represents an earnings surprise of +15.91%. A quarter ago, it was expected that this bank holding company would post earnings of $2.82 per share when it actually produced earnings of $3.41, delivering a surprise of +20.92%. Over the last four quarters, the company has surpassed consensus EPS estimates four times. UMB, which belongs to the Zacks Banks - Midwest industry, posted revenues of $786.86 million for the quarter ended June 2026, surpassing the Zacks Consensus Estimate by 8.41%. This compares to year-ago revenues of $689.21 million. The company has topped consensus revenue estimates four times over the last four quarters. The sustainability of the stock's immediate price movement based on the recently-released numbers and future earnings expectations will mostly depend on management's commentary on the earnings call. UMB shares have added about 22.5% since the beginning of the year versus the S&P 500's gain of 8.3%. While UMB has outperformed the market so far this year, the question that comes to investors' minds is: what's next for the stock? There are no easy answers to this key question, but one reliable measure that can help investors address this is the company's earnings outlook. Not only does this include current consensus earnings expectations for the coming quarter(s), but also how these expectations have changed lately. Empirical research shows a strong correlation between near-term stock movements and trends in earnings estimate revisions. Investors can track such revisions by themselves or rely on a tried-and-tested rating tool like the Zacks Rank, which has an impressive track record of harnessing the power of earnings estimate revisions. Ahead of this earnings release, the estimate revisions trend for UMB was mixed. While the magnitude and direction of estimate revisions could change following the company's just-released earnings report, the current status translates into a Zacks Rank #3 (Hold) for the stock. So, the shares are expected to perform in line with the market in the near future. You can see the complete list of today's Zacks #1 Rank (Strong Buy) stocks here. It will be interesting to see how estimates for the coming quarters and the current fiscal year change in the days ahead. The current consensus EPS estimate is $3.16 on $738.71 million in revenues for the coming quarter and $12.76 on $2.97 billion in revenues for the current fiscal year. Investors should be mindful of the fact that the outlook for the industry can have a material impact on the performance of the stock as well. In terms of the Zacks Industry Rank, Banks - Midwest is currently in the top 33% of the 250 plus Zacks industries. Our research shows that the top 50% of the Zacks-ranked industries outperform the bottom 50% by a factor of more than 2 to 1. One other stock from the broader Zacks Finance sector, Gladstone Capital (GLAD), is yet to report results for the quarter ended June 2026. The results are expected to be released on August 4. This real estate investment trust is expected to post quarterly earnings of $0.49 per share in its upcoming report, which represents a year-over-year change of -2%. The consensus EPS estimate for the quarter has remained unchanged over the last 30 days. Gladstone Capital's revenues are expected to be $24.97 million, up 15.3% from the year-ago quarter. Want the latest recommendations from Zacks Investment Research? Today, you can download 7 Best Stocks for the Next 30 Days. Click to get this free report UMB Financial Corporation (UMBF) : Free Stock Analysis Report Gladstone Capital Corporation (GLAD) : Free Stock Analysis Report This article originally published on Zacks Investment Research (zacks.com). Zacks Investment Research

For the quarter ended June 2026, UMB Financial (UMBF) reported revenue of $786.86 million, up 14.2% over the same period last year. EPS came in at $3.57, compared to $2.96 in the year-ago quarter. The reported revenue represents a surprise of +8.41% over the Zacks Consensus Estimate of $725.8 million. With the consensus EPS estimate being $3.08, the EPS surprise was +15.91%. While investors closely watch year-over-year changes in headline numbers -- revenue and earnings -- and how they compare to Wall Street expectations to determine their next course of action, some key metrics always provide a better insight into a company's underlying performance. Since these metrics play a crucial role in driving the top- and bottom-line numbers, comparing them with the year-ago numbers and what analysts estimated about them helps investors better project a stock's price performance. Here is how UMB performed in the just reported quarter in terms of the metrics most widely monitored and projected by Wall Street analysts: Net interest margin (FTE): 3.3% versus the three-analyst average estimate of 3.2%. Efficiency Ratio (GAAP): 48.4% versus the three-analyst average estimate of 51.8%. Average Balance - Total earning assets: $65.31 billion versus the two-analyst average estimate of $65.72 billion. Tier 1 risk-based capital ratio: 12% versus the two-analyst average estimate of 11.9%. Total Risk-based Capital Ratio: 13.8% compared to the 13.7% average estimate based on two analysts. Net loan charge-offs (recoveries) as a % of total average loans: 0.2% versus the two-analyst average estimate of 0.2%. Total noninterest income: $245.51 million versus the three-analyst average estimate of $199.97 million. Net interest income (FTE): $541.36 million compared to the $525.84 million average estimate based on three analysts. Bankcard fees: $29.95 million compared to the $29.1 million average estimate based on two analysts. Service charges on deposit accounts: $29.59 million versus the two-analyst average estimate of $29.02 million. Net Interest Income: $532.53 million compared to the $515.49 million average estimate based on two analysts. Trust and securities processing: $98.3 million compared to the $95.88 million average estimate based on two analysts. View all Key Company Metrics for UMB here>>> Shares of UMB have returned -0.7% over the past month versus the Zacks S&P 500 composite's +1.7% change. The stock currently has a Zacks Rank #3 (Hold), indicating that it could perform in line with the broader market in the near term. Want the latest recommendations from Zacks Investment Research? Today, you can download 7 Best Stocks for the Next 30 Days. Click to get this free report UMB Financial Corporation (UMBF) : Free Stock Analysis Report This article originally published on Zacks Investment Research (zacks.com). Zacks Investment Research