UMB Financial

UMBF

Market cap $8.95B

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Regional-bank stocks trade at lower valuations than those of the largest U.S. banks.

KANSAS CITY, Mo.--(BUSINESS WIRE)--UMB Financial Corporation (Nasdaq: UMBF), a financial services company, will release earnings results for the fourth quarter 2025 after market hours on Tuesday, January 27, 2026. The company plans to host an investor conference call to discuss these results on Wednesday, January 28, at 8:30 a.m. (CT) / 9:30 a.m. (ET). Interested parties may access the call by dialing (toll-free) 833-470-1428 or (international) 646-844-6383 and requesting to join the UMB Financ.

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UMB Financial is upgraded to "Buy" after an 8% pullback, with shares now at my $115 target. Integration of Heartland Financial is nearly complete, delivering cost synergies and a strong, low-cost deposit base. Credit quality remains robust, with NPLs well-reserved and net charge-offs below long-term targets.

UMB (UMBF) reported earnings 30 days ago. What's next for the stock?

The mean of analysts' price targets for UMB (UMBF) points to a 26.4% upside in the stock. While this highly sought-after metric has not proven reasonably effective, strong agreement among analysts in raising earnings estimates does indicate an upside in the stock.

UMB Financial Corporation ( UMBF ) Q3 2025 Earnings Call October 29, 2025 9:30 AM EDT Company Participants Kay Gregory - Director of Investor Relations & Senior VP J. Kemper - Chairman & CEO Ram Shankar - Executive VP & CFO Thomas Terry - Executive VP & Chief Credit Officer James Rine - President & Vice Chairman Conference Call Participants Jon Arfstrom - RBC Capital Markets, Research Division David Long - Raymond James & Associates, Inc., Research Division Brian Wilczynski - Morgan Stanley, Research Division Jared David Shaw - Barclays Bank PLC, Research Division Sun Young Lee - TD Cowen, Research Division Timur Braziler - Wells Fargo Securities, LLC, Research Division Brian Foran - Truist Securities, Inc., Research Division Nathan Race - Piper Sandler & Co., Research Division Brendan Nosal - Hovde Group, LLC, Research Division Christopher McGratty - Keefe, Bruyette, & Woods, Inc., Research Division Presentation Operator Hello, everyone, and welcome to the UMB Financial Third Quarter 2025 Financial Results Conference Call.

UMB Financial posts robust Q3 results as higher net interest and fee income boost earnings, aided by its Heartland Financial acquisition.

Although the revenue and EPS for UMB (UMBF) give a sense of how its business performed in the quarter ended September 2025, it might be worth considering how some key metrics compare with Wall Street estimates and the year-ago numbers.