UMB Financial (NASDAQ:UMBF) Posts Quarterly Earnings Results, Beats Estimates By $0.45 EPS

UMB Financial (NASDAQ:UMBF) released its quarterly earnings results on Tuesday. The bank reported $3.57 EPS for the quarter, topping the consensus estimate of $3.12 by $0.45, FiscalAI reports. The firm had revenue of $778.00 million during the quarter, compared to analyst estimates of $727.63 million. UMB Financial had a return on equity of 13.07% and a net margin of 20.42%.During the same period in the previous year, the company posted $2.96 EPS.

UMB Financial Trading Up 2.1%

UMB Financial stock opened at $143.98 on Wednesday. The stock has a 50-day moving average of $137.78 and a two-hundred day moving average of $127.32. The company has a debt-to-equity ratio of 0.06, a quick ratio of 0.75 and a current ratio of 0.75. UMB Financial has a one year low of $103.38 and a one year high of $148.31. The stock has a market cap of $10.94 billion, a PE ratio of 12.78, a price-to-earnings-growth ratio of 0.78 and a beta of 0.77.

UMB Financial shares are going to split on the morning of Tuesday, September 1st. The 3-2 split was announced on Tuesday, July 28th. The newly created shares will be distributed to shareholders after the closing bell on Monday, August 31st.

UMB Financial Increases Dividend

The firm also recently announced a quarterly dividend, which will be paid on Thursday, October 1st. Investors of record on Thursday, September 10th will be given a dividend of $0.50 per share. The ex-dividend date of this dividend is Thursday, September 10th. This represents a $2.00 annualized dividend and a yield of 1.4%. This is an increase from UMB Financial’s previous quarterly dividend of $0.43. UMB Financial’s dividend payout ratio is currently 15.26%.

Insider Transactions at UMB Financial

In other news, Director Kevin Charles Gallagher sold 381 shares of the business’s stock in a transaction dated Wednesday, June 10th. The stock was sold at an average price of $132.88, for a total transaction of $50,627.28. Following the sale, the director owned 12,223 shares in the company, valued at approximately $1,624,192.24. The trade was a 3.02% decrease in their ownership of the stock. The sale was disclosed in a legal filing with the Securities & Exchange Commission, which is accessible through this hyperlink. Also, President James D. Rine sold 8,246 shares of the company’s stock in a transaction dated Tuesday, June 9th. The shares were sold at an average price of $132.59, for a total transaction of $1,093,337.14. Following the transaction, the president owned 61,446 shares in the company, valued at approximately $8,147,125.14. This trade represents a 11.83% decrease in their position. The SEC filing for this sale provides additional information. 5.33% of the stock is currently owned by insiders.

Institutional Inflows and Outflows

Hedge funds and other institutional investors have recently made changes to their positions in the stock. T. Rowe Price Investment Management Inc. grew its holdings in shares of UMB Financial by 25.2% during the fourth quarter. T. Rowe Price Investment Management Inc. now owns 235,658 shares of the bank’s stock valued at $27,111,000 after buying an additional 47,358 shares during the last quarter. Invesco Ltd. increased its position in shares of UMB Financial by 9.1% in the 4th quarter. Invesco Ltd. now owns 283,113 shares of the bank’s stock valued at $32,569,000 after acquiring an additional 23,566 shares during the period. Mercer Global Advisors Inc. ADV raised its stake in UMB Financial by 4.1% in the 4th quarter. Mercer Global Advisors Inc. ADV now owns 2,563 shares of the bank’s stock worth $295,000 after acquiring an additional 102 shares during the last quarter. First Citizens Bank & Trust Co. lifted its position in UMB Financial by 2.4% during the 4th quarter. First Citizens Bank & Trust Co. now owns 7,147 shares of the bank’s stock worth $822,000 after acquiring an additional 167 shares during the period. Finally, EP Wealth Advisors LLC purchased a new stake in UMB Financial during the 4th quarter valued at about $596,000. Hedge funds and other institutional investors own 87.78% of the company’s stock.

Analyst Upgrades and Downgrades

A number of brokerages recently weighed in on UMBF. Zacks Research downgraded UMB Financial from a “strong-buy” rating to a “hold” rating in a research report on Tuesday, June 30th. Citigroup increased their price target on shares of UMB Financial from $138.00 to $144.00 and gave the company a “neutral” rating in a research report on Thursday, June 25th. TD Cowen raised their price target on shares of UMB Financial from $141.00 to $147.00 and gave the company a “buy” rating in a report on Thursday, April 30th. Wells Fargo & Company lifted their price objective on shares of UMB Financial from $130.00 to $139.00 and gave the stock an “equal weight” rating in a research report on Monday, July 6th. Finally, Piper Sandler boosted their price objective on shares of UMB Financial from $155.00 to $161.00 and gave the stock an “overweight” rating in a research note on Friday, June 26th. Two investment analysts have rated the stock with a Strong Buy rating, nine have given a Buy rating and three have assigned a Hold rating to the company’s stock. According to data from MarketBeat.com, UMB Financial has a consensus rating of “Moderate Buy” and an average target price of $152.17.

Key Stories Impacting UMB Financial

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

• Positive Sentiment: Strong Q2 earnings beat: UMB Financial reported approximately $3.56–$3.57 in diluted earnings per share, up from $2.96 a year earlier and above analysts’ estimates of roughly $3.08–$3.12. Revenue reached $778 million, exceeding the $727.6 million consensus estimate. Net margin was 20.42% and return on equity was 13.07%. UMB Financial Corporation Reports Second Quarter 2026 Results
• Positive Sentiment: Dividend raised 16.3%: The company declared a quarterly common dividend of $0.50 per share, up from $0.43. The payment is scheduled for October 1 for shareholders of record as of September 10, implying an annualized payout of $2.00 and a yield of approximately 1.4%. The increase signals confidence in cash generation and capital strength. UMB Financial Corporation Dividend Announcement
• Neutral Sentiment: 3-for-2 stock split announced: UMB Financial will distribute additional shares after the August 31 market close, with split-adjusted trading beginning September 1. The split does not change the company’s underlying value or shareholders’ proportional ownership, but may improve share accessibility and trading liquidity.

UMB Financial Company Profile

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.