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Investor Relations14 Oct 2025
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UMB Financial (UMBF) investor relations material
UMB Financial Q2 2025 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q2 2025 earnings summary30 Jul, 2025
Executive summary
Net income available to common shareholders rose to $215.4M in Q2 2025, up 112.5% year-over-year, with diluted EPS of $2.82 and operating EPS of $2.96, driven by the HTLF acquisition and strong revenue growth.
Total revenue reached $689.2M, up $125.4M sequentially and 22.2% from the prior quarter, reflecting higher net interest and noninterest income, including a $29.4M gain from Voyager Technologies.
Average loans grew to $36.4B, up 12.7% sequentially and 50.7% year-over-year; average deposits rose to $55.6B, up 10.7% sequentially and 42.7% year-over-year.
Asset quality remained strong, with net charge-offs at 0.17% of average loans and nonperforming loans at 0.26% of total loans.
Integration of HTLF contributed to significant increases in scale, diversification, and fee income, supporting long-term growth.
Financial highlights
Net interest income was $467.0M, up $69.4M sequentially and 90.5% year-over-year, with net interest margin at 3.10%.
Noninterest income rose to $222.2M, up $56.0M sequentially and 53.3% year-over-year, driven by investment gains, fund services, and higher card and brokerage fees.
Noninterest expense was $393.2M, up $8.4M sequentially and 57.9% year-over-year, including $13.5M in acquisition-related costs.
Efficiency ratio improved to 53.4% from 63.4% a year ago; operating efficiency ratio was 51.5%.
End-of-period loans reached $36.8B; deposits were $60.0B; total assets were $71.8B, up 61.4% year-over-year.
Outlook and guidance
Management expects continued revenue and earnings growth from the expanded franchise, with further accretion from the HTLF acquisition and franchise conversions on track for October 2025.
Operating expenses for Q3 projected at $380M–$385M, reflecting merit increases, incentive accruals, and additional day count.
Third quarter net interest margin expected to be essentially flat, with positive impacts from asset repricing offset by higher interest expense and seasonal DDA balance lows.
Full-year 2025 effective tax rate expected between 19–21%.
2025 full-year dividend expected at $1.60 per share, up 1.9% from 2024.
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Next UMB Financial earnings date
Q3 202529 Oct, 2025
Next UMB Financial earnings date
Q3 202529 Oct, 2025
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Frequently asked questions
UMB Financial Corporation is a financial holding company offering banking, asset management, and payment services. Its subsidiaries provide personal and commercial banking, trust and wealth management, mutual fund servicing, and healthcare payment solutions. The company operates across several Midwestern and Western states in the U.S. It is headquartered in Kansas City, Missouri, and its shares are listed on the NASDAQ.
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