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UMB (UMBF) Q1 Earnings: Taking a Look at Key Metrics Versus Estimates
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UMB Financial (UMBF - Free Report) reported $571.34 million in revenue for the quarter ended March 2025, representing a year-over-year increase of 41%. EPS of $2.58 for the same period compares to $2.47 a year ago.
The reported revenue represents a surprise of +2.99% over the Zacks Consensus Estimate of $554.73 million. With the consensus EPS estimate being $2.21, the EPS surprise was +16.74%.
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.
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:
Efficiency Ratio (GAAP): 65.2% versus the four-analyst average estimate of 59.5%.
Net interest margin (FTE): 3% versus the four-analyst average estimate of 2.9%.
Net loan charge-offs (recoveries) as a % of total average loans: 0.5% versus the three-analyst average estimate of 0.2%.
Average Balance - Total earning assets: $55.54 billion compared to the $53.50 billion average estimate based on three analysts.
Tier 1 risk-based capital ratio: 10.4% versus the two-analyst average estimate of 9.6%.
Tier 1 Leverage Ratio: 8.5% versus 8.1% estimated by two analysts on average.
Total Risk-based Capital Ratio: 12.5% versus 11.6% estimated by two analysts on average.
Net interest income (FTE): $405.14 million versus $381.93 million estimated by four analysts on average.
Total noninterest income: $166.20 million versus $177.22 million estimated by four analysts on average.
Bankcard fees: $26.29 million compared to the $21.50 million average estimate based on three analysts.
Service charges on deposit accounts: $27.46 million compared to the $32.17 million average estimate based on three analysts.
Trust and securities processing: $79.78 million versus $79.38 million estimated by three analysts on average.
Shares of UMB have returned -5.1% over the past month versus the Zacks S&P 500 composite's -0.8% change. The stock currently has a Zacks Rank #4 (Sell), indicating that it could underperform the broader market in the near term.
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UMB (UMBF) Q1 Earnings: Taking a Look at Key Metrics Versus Estimates
UMB Financial (UMBF - Free Report) reported $571.34 million in revenue for the quarter ended March 2025, representing a year-over-year increase of 41%. EPS of $2.58 for the same period compares to $2.47 a year ago.
The reported revenue represents a surprise of +2.99% over the Zacks Consensus Estimate of $554.73 million. With the consensus EPS estimate being $2.21, the EPS surprise was +16.74%.
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.
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:
- Efficiency Ratio (GAAP): 65.2% versus the four-analyst average estimate of 59.5%.
- Net interest margin (FTE): 3% versus the four-analyst average estimate of 2.9%.
- Net loan charge-offs (recoveries) as a % of total average loans: 0.5% versus the three-analyst average estimate of 0.2%.
- Average Balance - Total earning assets: $55.54 billion compared to the $53.50 billion average estimate based on three analysts.
- Tier 1 risk-based capital ratio: 10.4% versus the two-analyst average estimate of 9.6%.
- Tier 1 Leverage Ratio: 8.5% versus 8.1% estimated by two analysts on average.
- Total Risk-based Capital Ratio: 12.5% versus 11.6% estimated by two analysts on average.
- Net interest income (FTE): $405.14 million versus $381.93 million estimated by four analysts on average.
- Total noninterest income: $166.20 million versus $177.22 million estimated by four analysts on average.
- Bankcard fees: $26.29 million compared to the $21.50 million average estimate based on three analysts.
- Service charges on deposit accounts: $27.46 million compared to the $32.17 million average estimate based on three analysts.
- Trust and securities processing: $79.78 million versus $79.38 million estimated by three analysts on average.
View all Key Company Metrics for UMB here>>>Shares of UMB have returned -5.1% over the past month versus the Zacks S&P 500 composite's -0.8% change. The stock currently has a Zacks Rank #4 (Sell), indicating that it could underperform the broader market in the near term.