Revenue: As of FY2025 Q1, the actual value is USD 563.84 M.EPS: As of FY2025 Q1, the actual value is USD 1.21.EBIT: As of FY2025 Q1, the actual value is USD 93.31 M.<h3>Segment Revenue</h3><ul><li>Commercial &amp; Personal Banking Services: Revenue for 1Q 2025 was $398.9 million.</li><li>Institutional Banking Services: Revenue for 1Q 2025 was $164.9 million.</li><li>Net Interest Income: $397.6 million for Q1 2025, up 47.8% from the linked quarter and 66.1% YoY.</li><li>Noninterest Income: $166.2 million for Q1 2025, a 0.6% increase from the linked quarter and a 4.4% increase YoY.</li></ul><h3>Operational Metrics</h3><ul><li>Net Income: Net operating income available to common shareholders was $166.9 million for 1Q 2025.</li><li>Net Income (GAAP): $81.3 million for Q1 2025, compared to $120.0 million in Q4 2024 and $110.3 million in Q1 2024.</li><li>Net Operating Income (Non-GAAP): $168.9 million for Q1 2025, compared to $122.6 million in Q4 2024 and $120.7 million in Q1 2024.</li><li>Operating Profit: Operating pre-tax, pre-provision income was $233.3 million for 1Q 2025.</li><li>Operating Pre-tax, Pre-provision Income (Non-GAAP): $233.3 million for Q1 2025, up 39.8% from Q4 2024 and 48.2% YoY.</li><li>Noninterest Expense: Increased by $114.4 million to $384.8 million on a GAAP basis, impacted by the HTLF acquisition.</li><li>Efficiency Ratio: 65.19% for Q1 2025, impacted by merger-related charges; operating efficiency ratio improved to 55.56% from 61.12% in Q4 2024.</li></ul><h3>Cash Flow</h3><ul><li>Provision for Credit Losses: $86.0 million for Q1 2025, up $67.0 million from Q4 2024 and $76.0 million YoY.</li></ul><h3>Unique Metrics</h3><ul><li>Average Deposits: $33.7 billion for Commercial &amp; Personal Banking Services and $16.6 billion for Institutional Banking Services in 1Q 2025.</li><li>Average Loans: $27.5 billion for specialized expertise and $4.1 billion for Commercial &amp; Personal Banking Services in 1Q 2025.</li><li>Average Loans: Increased 27.8% on a linked-quarter basis to $32.3 billion; up 38.3% YoY.</li><li>Average Deposits: Increased 32.3% on a linked-quarter basis to $50.3 billion; up 50.0% YoY.</li></ul><h3>Outlook / Guidance</h3><ul><li>UMB Financial Corporation expects to leverage capacity and capabilities in newly-acquired markets, with a focus on market share gains and returning value to shareholders through risk-adjusted returns.</li><li>The company anticipates continued growth in EPS and tangible book value, outpacing peers over the long-term.</li><li>UMB Financial Corporation is well-positioned for changing interest rate environments, with a flexible balance sheet and ample liquidity sources.</li><li>The Company announced plans for continued shareholder returns through dividends and share repurchases, indicating a focus on enhancing shareholder value.</li><li>UMB Financial Corporation anticipates continued integration of Heartland Financial USA, Inc., with technology systems conversion plans on track. The acquisition is expected to enhance the company’s deposit franchise value and improve net interest margin.</li></ul>

UMB Financial Corp Pref Shares UMBF 7.0 Perp 07/15/25 | 8-K: FY2025 Q1 Revenue: USD 563.84 M