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UMB (UMBF) Reports Q4 Earnings: What Key Metrics Have to Say
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UMB Financial (UMBF - Free Report) reported $440.55 million in revenue for the quarter ended December 2024, representing a year-over-year increase of 16.7%. EPS of $2.49 for the same period compares to $2.29 a year ago.
The reported revenue represents a surprise of +6.40% over the Zacks Consensus Estimate of $414.06 million. With the consensus EPS estimate being $2.30, the EPS surprise was +8.26%.
While investors scrutinize revenue and earnings changes year-over-year and how they compare with Wall Street expectations to determine their next move, some key metrics always offer a more accurate picture of a company's financial health.
As these metrics influence top- and bottom-line performance, comparing them to the year-ago numbers and what analysts estimated helps investors project a stock's price performance more accurately.
Here is how UMB performed in the just reported quarter in terms of the metrics most widely monitored and projected by Wall Street analysts:
Efficiency Ratio (GAAP): 61.8% versus the four-analyst average estimate of 60.8%.
Net interest margin (FTE): 2.6% versus 2.5% estimated by four analysts on average.
Net loan charge-offs (recoveries) as a % of total average loans: 0.1% versus the three-analyst average estimate of 0.2%.
Average Balance - Total earning assets: $42.62 billion versus $41.81 billion estimated by three analysts on average.
Tier 1 risk-based capital ratio: 11.3% versus 11.3% estimated by two analysts on average.
Tier 1 Leverage Ratio: 8.5% compared to the 8.4% average estimate based on two analysts.
Total Risk-based Capital Ratio: 13.2% versus 13.2% estimated by two analysts on average.
Net interest income (FTE): $275.34 million versus the four-analyst average estimate of $262.91 million.
Total noninterest income: $165.21 million compared to the $150.91 million average estimate based on four analysts.
Bankcard fees: $21.09 million compared to the $22.34 million average estimate based on three analysts.
Service charges on deposit accounts: $21.41 million compared to the $20.13 million average estimate based on three analysts.
Trust and securities processing: $76.86 million versus $74.69 million estimated by three analysts on average.
Shares of UMB have returned +7.1% over the past month versus the Zacks S&P 500 composite's +0.8% change. The stock currently has a Zacks Rank #2 (Buy), indicating that it could outperform the broader market in the near term.
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UMB (UMBF) Reports Q4 Earnings: What Key Metrics Have to Say
UMB Financial (UMBF - Free Report) reported $440.55 million in revenue for the quarter ended December 2024, representing a year-over-year increase of 16.7%. EPS of $2.49 for the same period compares to $2.29 a year ago.
The reported revenue represents a surprise of +6.40% over the Zacks Consensus Estimate of $414.06 million. With the consensus EPS estimate being $2.30, the EPS surprise was +8.26%.
While investors scrutinize revenue and earnings changes year-over-year and how they compare with Wall Street expectations to determine their next move, some key metrics always offer a more accurate picture of a company's financial health.
As these metrics influence top- and bottom-line performance, comparing them to the year-ago numbers and what analysts estimated helps investors project a stock's price performance more accurately.
Here is how UMB performed in the just reported quarter in terms of the metrics most widely monitored and projected by Wall Street analysts:
- Efficiency Ratio (GAAP): 61.8% versus the four-analyst average estimate of 60.8%.
- Net interest margin (FTE): 2.6% versus 2.5% estimated by four analysts on average.
- Net loan charge-offs (recoveries) as a % of total average loans: 0.1% versus the three-analyst average estimate of 0.2%.
- Average Balance - Total earning assets: $42.62 billion versus $41.81 billion estimated by three analysts on average.
- Tier 1 risk-based capital ratio: 11.3% versus 11.3% estimated by two analysts on average.
- Tier 1 Leverage Ratio: 8.5% compared to the 8.4% average estimate based on two analysts.
- Total Risk-based Capital Ratio: 13.2% versus 13.2% estimated by two analysts on average.
- Net interest income (FTE): $275.34 million versus the four-analyst average estimate of $262.91 million.
- Total noninterest income: $165.21 million compared to the $150.91 million average estimate based on four analysts.
- Bankcard fees: $21.09 million compared to the $22.34 million average estimate based on three analysts.
- Service charges on deposit accounts: $21.41 million compared to the $20.13 million average estimate based on three analysts.
- Trust and securities processing: $76.86 million versus $74.69 million estimated by three analysts on average.
View all Key Company Metrics for UMB here>>>Shares of UMB have returned +7.1% over the past month versus the Zacks S&P 500 composite's +0.8% change. The stock currently has a Zacks Rank #2 (Buy), indicating that it could outperform the broader market in the near term.