EPS: As of FY2025 Q1, the actual value is USD 1.21.EBIT: As of FY2025 Q1, the actual value is USD 93.05 K.<h3>Segment Revenue</h3><ul><li>Commercial and Industrial Loans: $14,035,462 as of March 31, 2025, compared to $10,901,502 as of December 31, 2024.</li><li>Specialty Lending: $542,089 as of March 31, 2025, compared to $469,194 as of December 31, 2024.</li><li>Commercial Real Estate: $15,998,750 as of March 31, 2025, compared to $10,131,285 as of December 31, 2024.</li><li>Consumer Real Estate: $4,189,686 as of March 31, 2025, compared to $3,187,130 as of December 31, 2024.</li><li>Consumer Loans: $328,482 as of March 31, 2025, compared to $193,860 as of December 31, 2024.</li><li>Credit Cards: $677,033 as of March 31, 2025, compared to $578,766 as of December 31, 2024.</li><li>Leases and Other: $164,779 as of March 31, 2025, compared to $180,564 as of December 31, 2024.</li></ul><h3>Operational Metrics</h3><ul><li>Net Income: $81,333 for the three months ended March 31, 2025, compared to $110,258 for the same period in 2024.</li><li>Provision for Credit Losses: $86,000 for the three months ended March 31, 2025, compared to $10,000 for the same period in 2024.</li><li>Net Interest Income: $397,639 for the three months ended March 31, 2025, compared to $239,434 for the same period in 2024.</li></ul><h3>Cash Flow</h3><ul><li>Net Cash Provided by Operating Activities: $363,021 for the three months ended March 31, 2025, compared to $56,144 for the same period in 2024.</li><li>Net Cash Provided by Investing Activities: $663,204 for the three months ended March 31, 2025, compared to $158,393 for the same period in 2024.</li><li>Net Cash Provided by Financing Activities: $1,135,150 for the three months ended March 31, 2025, compared to $1,200,313 for the same period in 2024.</li></ul><h3>Unique Metrics</h3><ul><li>Nonaccrual Loans: $100,885 as of March 31, 2025, compared to $19,282 as of December 31, 2024.</li></ul><h3>Future Outlook and Strategy</h3><ul><li>Core Business Focus: The company plans to continue expanding its loan portfolio, with a focus on commercial and industrial loans, specialty lending, and commercial real estate.</li><li>Non-Core Business: The company is exploring opportunities in consumer credit cards and other financial services, aiming to increase its market share in these segments.</li></ul>

UMB Financial Corp Pref Shares UMBF 7.0 Perp 07/15/25 | 10-Q: FY2025 Q1 EPS: USD 1.21