UMB Financial (UMBF Quick QuoteUMBF - Free Report) reported $747.87 million in revenue for the quarter ended March 2026, representing a year-over-year increase of 30.9%. EPS of $3.41 for the same period compares to $2.58 a year ago.

The reported revenue compares to the Zacks Consensus Estimate of $706.22 million, representing a surprise of +5.9%. The company delivered an EPS surprise of +20.85%, with the consensus EPS estimate being $2.82.

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.

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): 48.4% compared to the 54.2% average estimate based on four analysts.
• Net interest margin (FTE): 3.4% versus 3.2% estimated by four analysts on average.
• Net loan charge-offs (recoveries) as a % of total average loans: 0.2% versus 0.2% estimated by three analysts on average.
• Average Balance - Total earning assets: $65.14 billion compared to the $64.93 billion average estimate based on three analysts.
• Total Risk-based Capital Ratio: 13.5% compared to the 13.5% average estimate based on two analysts.
• Tier 1 risk-based capital ratio: 11.7% versus 11.8% estimated by two analysts on average.
• Total noninterest income: $204.79 million versus $196.32 million estimated by four analysts on average.
• Net interest income (FTE): $543.08 million versus the four-analyst average estimate of $509.91 million.
• Bankcard fees: $28.88 million compared to the $29.27 million average estimate based on two analysts.
• Service charges on deposit accounts: $29.47 million versus $28.42 million estimated by two analysts on average.
• Net Interest Income: $534.37 million versus $500.41 million estimated by two analysts on average.
• Trust and securities processing: $94.67 million compared to the $92.42 million average estimate based on two analysts.

View all Key Company Metrics for UMB here>>>

Shares of UMB have returned +12.9% over the past month versus the Zacks S&P 500 composite's +12.8% 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.