UMBF Earnings Date: Jan 26, 2027 (Estimated) — UMB Financial Corporation
NASDAQ · Financials · Banks - Regional
Updated
When is UMBF's next earnings date?
UMB Financial Corporation (UMBF) is expected to report Q4 2026 earnings on Tuesday, January 26, 2027 at 4:00 PM ET (after market close); the date is an estimate and has not been confirmed by the company. The consensus estimate is EPS of $3.28 on revenue of $756.9M.
How did UMBF do in its last earnings report?
In its most recent report on Oct 27, 2026 (Q3 2026), UMB Financial Corporation posted EPS of $3.56 versus the $3.22 estimate, a beat of 10.6%. Revenue was $772.4M against a $744.8M estimate. The stock's 1-day post-earnings move was -1.1%.
How much does UMBF stock move after earnings?
UMBF beat EPS estimates in 8 of its last 8 reported quarters. Over the last 8 reports the stock moved an average of 1.7% (up or down) in the day after earnings.
About UMB Financial Corporation
UMB Financial Corporation serves as the holding company for UMB Bank, delivering a comprehensive array of banking and financial solutions. Its Commercial Banking division provides businesses with essential services, including commercial loans, credit cards, and real estate financing. This segment also offers letters of credit, loan syndication, and consultative support. Furthermore, it delivers specialized business solutions such as asset-based lending, accounts receivable financing, mezzanine debt, and minority equity investments. Comprehensive treasury management services are also available, encompassing depository functions, account reconciliation, cash management tools, accounts payable and receivable solutions, electronic funds transfers, automated payments, controlled disbursements, lockbox services, and remote deposit capture. The Institutional Banking division caters specifically to institutional clients, offering asset management and healthcare services. Its extensive offerings include fund administration and accounting, investor services, transfer agency functions, marketing and distribution support, custody, and alternative investment services. This segment also manages fixed-income sales, trading, and underwriting, alongside providing corporate trust, escrow, and institutional custody services. A notable feature of this division is its healthcare payment solutions, which incorporate custodial services for health savings accounts and versatile private-label debit cards. These solutions are extended to a diverse clientele, including insurance carriers, third-party administrators, software companies, employers, and financial institutions. For individual customers, the Personal Banking segment presents a suite of services such as deposit accounts, retail credit cards, and private banking. It also provides various loan products, including installment loans, home equity lines of credit, residential mortgages, and small business loans. These offerings are complemented by internet banking, an expansive ATM network, brokerage, insurance, advisory, and trust services. The company operates a substantial network of branches and offices across 17 states: Missouri, Kansas, Colorado, Illinois, Oklahoma, Texas, Arizona, Nebraska, Iowa, Pennsylvania, South Dakota, Indiana, Utah, Minnesota, California, and Wisconsin. Established in 1913, UMB Financial Corporation maintains its headquarters in Kansas City, Missouri.
🤖 AI Earnings Analysis
UMB Financial delivered a strong regional-bank quarter, with revenue up 14% to $772 million and EPS rising 32% to $3.56, beating consensus by $30 million and $0.35, respectively.
AI-generated summary — powered by BigEarnings.
Earnings History
| Date | Period | EPS Est. | EPS Act. | Surprise | Revenue | Result | 1D Δ | 1W Δ | 1M Δ |
|---|---|---|---|---|---|---|---|---|---|
| 2026-10-27 | Q3 2026 | 3.22 | 3.56 | +10.56% | $772.4M | ✅ Beat | -1.09% | — | — |
| 2026-07-28 | Q2 2026 | 3.09 | 3.57 | +15.53% | $778.0M | ✅ Beat | +2.98% | +3.02% | -0.45% |
| 2026-04-28 | Q1 2026 | 2.82 | 3.41 | +20.92% | $739.2M | ✅ Beat | -0.90% | +4.55% | +4.75% |
| 2026-01-27 | Q4 2025 | 2.71 | 3.08 | +13.65% | $720.9M | ✅ Beat | -0.15% | +2.48% | -0.90% |
| 2025-10-28 | Q3 2025 | 2.49 | 2.70 | +8.43% | $678.3M | ✅ Beat | -3.22% | -5.36% | -0.24% |
| 2025-07-29 | Q2 2025 | 2.36 | 2.96 | +25.42% | $689.3M | ✅ Beat | +1.46% | +1.88% | +12.63% |
| 2025-04-29 | Q1 2025 | 2.19 | 2.58 | +17.81% | $563.8M | ✅ Beat | -3.33% | +2.32% | +6.10% |
| 2025-01-28 | Q4 2024 | 2.26 | 2.49 | +10.18% | $434.2M | ✅ Beat | +0.78% | -5.79% | -10.67% |
Showing last 8 quarters.
Revenue by segment & region
By segment
Q3 FY26 · $38.6M total
| Segment | Share | Revenue | YoY | Q1 FY25 | Q2 FY25 | Q3 FY25 | Q4 FY25 |
|---|---|---|---|---|---|---|---|
| Other Financial Services | 58.3% | $22.5M | -22.4% | $10.5M | $12.6M | $29.0M | $16.8M |
| Investment Securities Gains Losses Net | 28.5% | $11.0M | — | — | $37.7M | — | $2.2M |
| Trading And Investment Banking | 13.1% | $5.1M | -26.6% | $5.6M | $6.1M | $6.9M | $6.0M |
| Deposit Account | 0.1% | $23K | -14.8% | $39K | $38K | $27K | $30K |
Source: company filings via FMP. YoY compares the same fiscal period a year earlier.