UMB Bank (UMBF) Tops Q3 EPS by 20c, Beats on Revenue

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UMB Financial Corporation Reports Third Quarter 2025 Results

October 28, 2025 4:05 PM EDT

Third Quarter 2025 Financial Highlights

GAAP net income available to common shareholders of $180.4 million, or $2.36 per diluted common share, an increase of 64.5% as compared to the third quarter of 2024. Net operating income available to common shareholders(i) of $206.5 million, or $2.70 per diluted common share, an increase of 87.2% as compared to the third quarter of 2024. Third quarter 2025 return on average assets of 1.04% and return on average common equity of 10.14%. Efficiency ratio improved to 58.1% as compared to 61.7% in the third quarter of 2024. Net interest margin on a fully taxable equivalent basis of... More