UMB Financial (UMBF Quick QuoteUMBF - Free Report) reported $781.07 million in revenue for the quarter ended September 2026, representing a year-over-year increase of 13.8%. EPS of $3.56 for the same period compares to $2.70 a year ago.

The reported revenue represents a surprise of +4.15% over the Zacks Consensus Estimate of $749.94 million. With the consensus EPS estimate being $3.22, the EPS surprise was +10.56%.

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:

• Net interest margin (FTE): 3.3% versus the six-analyst average estimate of 3.3%.
• Efficiency Ratio (GAAP): 48.7% compared to the 51.1% average estimate based on six analysts.
• Average Balance - Total earning assets: $65.64 billion versus $65.86 billion estimated by five analysts on average.
• Net loan charge-offs (recoveries) as a % of total average loans: 0.1% compared to the 0.2% average estimate based on five analysts.
• Nonaccrual and restructured loans: $117.89 million versus the two-analyst average estimate of $130.55 million.
• Total Risk-based Capital Ratio: 13.5% versus the two-analyst average estimate of 14%.
• Tier 1 risk-based capital ratio: 12% versus 12.2% estimated by two analysts on average.
• Net interest income (FTE): $548.69 million compared to the $538.57 million average estimate based on six analysts.
• Total noninterest income: $232.38 million versus $211.38 million estimated by six analysts on average.
• Bankcard fees: $29.45 million versus the four-analyst average estimate of $30.27 million.
• Net Interest Income: $540.01 million compared to the $528.63 million average estimate based on four analysts.
• Trust and securities processing: $104.03 million versus $99.96 million estimated by four analysts on average.

View all Key Company Metrics for UMB here>>>

Shares of UMB have returned +0.6% 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.