# UMB Financial (UMBF) — Earnings

UMBF · NASDAQ · Stock

Canonical page: https://www.lighthorse.io/tickers/umbf/earnings

## Most recent quarter

| Metric | Value |
| --- | --- |
| Fiscal period | Q2 2026 |
| Period end | Jun 30, 2026 |
| EPS actual | $3.57 |
| EPS estimate | $3.12 |
| EPS surprise | +14.51% |
| Revenue surprise | +6.92% |
| Revenue | $778.0M |
| Revenue estimate | $727.6M |
| Reported | Jul 28, 2026 |
| SEC filing | [View filing](https://www.sec.gov:443/Archives/edgar/data/101382/000119312526325054/umbf-20260630.htm) |
| Earnings call | [Transcript](http://o.thsi.cn/dc-d-stock-america.teleconference/42cd3d4e-d7dc-edb6-c587-e6610f3827bd.html) |

UMB Financial reported Q2 2026 results on July 28, 2026. Earnings per share were $3.57, ahead of the $3.12 estimate by 14.51%. Revenue of $778.0 million topped the $727.6 million consensus by 6.92%. Compared with Q2 2025, EPS rose about 21% from $2.96 and revenue rose about 13% from $689.2 million.

The longer record shows steady growth. Annual EPS rose from $7.94 in 2022 to $8.15 in 2023, $9.37 in 2024 and $11.32 in 2025. Revenue stepped up in early 2025, from $434.2 million in Q4 2024 to $563.8 million in Q1 2025, and reached $778.0 million by Q2 2026. Full-year revenue was $2.65 billion in 2025, against $1.63 billion in 2024. The first half of 2026 brought $6.98 per share, about 26% more than a year earlier. Over the last 20 quarters, UMB Financial beat the EPS estimate 17 times. All three misses came in 2021 and 2022.

UMB Financial reported Q3 results between October 24 and October 29 in each of the past five years. That points to late October 2026 for the next report. It will show whether EPS and revenue hold near the levels set in the first half of 2026.

## Earnings history

| Fiscal period | Report date | EPS estimate | EPS actual | Surprise | Revenue estimate | Revenue actual |
| --- | --- | --- | --- | --- | --- | --- |
| Q2 2026 | Jul 28, 2026 | $3.12 | $3.57 | 14.51% | $727.6M | $778.0M |
| Q1 2026 | Apr 28, 2026 | $2.82 | $3.41 | 20.88% | $701.8M | $739.2M |
| Q4 2025 | Jan 27, 2026 | $2.70 | $3.08 | 14.07% | $677.8M | $720.9M |
| Q3 2025 | Oct 28, 2025 | $2.50 | $2.70 | 8.03% | $661.6M | $678.3M |
| Q2 2025 | Jul 29, 2025 | $2.37 | $2.96 | 24.64% | $635.9M | $689.2M |
| Q1 2025 | Apr 29, 2025 | $2.19 | $2.58 | 17.55% | $559.0M | $563.8M |
| Q4 2024 | Jan 28, 2025 | $2.26 | $2.49 | 10.12% | $411.5M | $434.2M |
| Q3 2024 | Oct 29, 2024 | $2.20 | $2.25 | 2.31% | $398.9M | $406.1M |
| Q2 2024 | Jul 30, 2024 | $2.01 | $2.16 | 7.43% | $385.0M | $390.0M |
| Q1 2024 | Apr 29, 2024 | $1.80 | $2.47 | 36.99% | $374.3M | $398.7M |
| Q4 2023 | Jan 30, 2024 | $1.76 | $2.29 | 29.82% | $360.7M | $370.8M |
| Q3 2023 | Oct 24, 2023 | $1.77 | $2.02 | 13.87% | $365.3M | $355.6M |
| Q2 2023 | Jul 25, 2023 | $1.93 | $1.93 | 0.21% | $375.7M | $363.7M |
| Q1 2023 | Apr 25, 2023 | $1.86 | $1.91 | 2.47% | $368.7M | $371.9M |
| Q4 2022 | Jan 24, 2023 | $2.00 | $2.07 | 3.40% | $371.2M | $370.7M |
| Q3 2022 | Oct 25, 2022 | $2.15 | $1.82 | -15.43% | $371.8M | $362.2M |
| Q2 2022 | Jul 26, 2022 | $1.90 | $1.88 | -0.65% | $347.5M | $401.1M |
| Q1 2022 | Apr 26, 2022 | $1.67 | $2.17 | 30.25% | $332.6M | $334.0M |
| Q4 2021 | Jan 25, 2022 | $1.86 | $1.62 | -12.80% | $329.1M | $329.4M |
| Q3 2021 | Oct 26, 2021 | $1.80 | $1.95 | 8.45% | $322.8M | $317.7M |

## Frequently Asked Questions

### When did UMB Financial (UMBF) last report earnings?

UMB Financial last reported on Jul 28, 2026, covering fiscal Q2 2026.

### Did UMBF beat earnings estimates?

Yes. UMB Financial reported EPS of $3.57 for Q2 2026 against a $3.12 estimate — a 14.51% beat.

### How much revenue did UMBF report last quarter?

UMB Financial reported $778.0M in revenue for Q2 2026, against a consensus estimate of $727.6M.

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Earnings figures may be restated, revised or corrected by the issuer. Past results do not indicate future performance.

This page is for informational purposes only. Nothing on it is a recommendation, solicitation or offer to buy or sell any security, nor investment, legal or tax advice. Light Horse Securities Inc does not verify third-party data and is not responsible for its accuracy, completeness or timeliness.

Data provided by [AInvest](https://www.ainvest.com).