<span item_type="fundamental" item_id="647d44a2f081ce2d24d731a528406394" counter_id="ST/US/UMBFO" env="prod"></span><span item_type="announcement" item_id="576621217382075009" env="prod"></span><p>Revenue: As of FY2025 Q3, the actual value is USD 678.34 M.</p><p>EPS: As of FY2025 Q3, the actual value is USD 2.36.</p><p>EBIT: As of FY2025 Q3, the actual value is USD -238.49 M.</p><p></p><h3>Financial Data and Metrics</h3><h4>Net Income</h4><ul><li>GAAP net income available to common shareholders for Q3 2025 was $180.4 million, or $2.36 per diluted share, a 64.5% increase from Q3 2024.<span class="superscript" item_id="0" item_type="announcement_file" value="1" url="https://www.sec.gov/Archives/edgar/data/101382/000119312525253477/umbf-ex99_1.htm"></span></li><li>Net operating income available to common shareholders (Non-GAAP) was $206.5 million, or $2.70 per diluted share, an 87.2% increase from Q3 2024.<span class="superscript" item_id="0" item_type="announcement_file" value="1" url="https://www.sec.gov/Archives/edgar/data/101382/000119312525253477/umbf-ex99_1.htm"></span></li></ul><h4>Revenue</h4><ul><li>Total revenue for Q3 2025 was $678.3 million, compared to $406.1 million in Q3 2024.<span class="superscript" item_id="0" item_type="announcement_file" value="1" url="https://www.sec.gov/Archives/edgar/data/101382/000119312525253477/umbf-ex99_1.htm"></span></li><li>Net interest income for Q3 2025 was $475.0 million, up from $247.4 million in Q3 2024.<span class="superscript" item_id="0" item_type="announcement_file" value="1" url="https://www.sec.gov/Archives/edgar/data/101382/000119312525253477/umbf-ex99_1.htm"></span></li><li>Noninterest income increased 28.1% to $203.3 million compared to Q3 2024.<span class="superscript" item_id="0" item_type="announcement_file" value="1" url="https://www.sec.gov/Archives/edgar/data/101382/000119312525253477/umbf-ex99_1.htm"></span></li></ul><h4>Operational Metrics</h4><ul><li>Return on average assets for Q3 2025 was 1.04%, and return on average common equity was 10.14%.<span class="superscript" item_id="0" item_type="announcement_file" value="1" url="https://www.sec.gov/Archives/edgar/data/101382/000119312525253477/umbf-ex99_1.htm"></span></li><li>Efficiency ratio improved to 58.1% from 61.7% in Q3 2024.<span class="superscript" item_id="0" item_type="announcement_file" value="1" url="https://www.sec.gov/Archives/edgar/data/101382/000119312525253477/umbf-ex99_1.htm"></span></li><li>Net interest margin on a fully taxable equivalent basis was 3.04%, up 58 basis points from Q3 2024.<span class="superscript" item_id="0" item_type="announcement_file" value="1" url="https://www.sec.gov/Archives/edgar/data/101382/000119312525253477/umbf-ex99_1.htm"></span></li></ul><h4>Loans and Deposits</h4><ul><li>Average loans increased 52.3% YoY to $37.1 billion, with end-of-period loans at $37.7 billion as of September 30, 2025.<span class="superscript" item_id="0" item_type="announcement_file" value="1" url="https://www.sec.gov/Archives/edgar/data/101382/000119312525253477/umbf-ex99_1.htm"></span></li><li>Average deposits increased 60.8% YoY to $56.8 billion, with end-of-period deposits at $60.1 billion as of September 30, 2025.<span class="superscript" item_id="0" item_type="announcement_file" value="1" url="https://www.sec.gov/Archives/edgar/data/101382/000119312525253477/umbf-ex99_1.htm"></span></li></ul><h4>Noninterest Expense</h4><ul><li>Total noninterest expense for Q3 2025 was $419.3 million, a 66.1% increase from Q3 2024, including $35.6 million in acquisition-related costs.<span class="superscript" item_id="0" item_type="announcement_file" value="1" url="https://www.sec.gov/Archives/edgar/data/101382/000119312525253477/umbf-ex99_1.htm"></span></li></ul><h3>Segment Revenue</h3><ul><li><strong>Commercial &amp; Personal Banking Services</strong>: $502.0 million for 3Q 2025.<span class="superscript" item_id="0" item_type="announcement_file" value="2" url="https://www.sec.gov/Archives/edgar/data/101382/000119312525253477/umbf-ex99_2.htm"></span></li><li><strong>Institutional Banking Services</strong>: $176.4 million for 3Q 2025.<span class="superscript" item_id="0" item_type="announcement_file" value="2" url="https://www.sec.gov/Archives/edgar/data/101382/000119312525253477/umbf-ex99_2.htm"></span></li></ul><h3>Unique Metrics</h3><ul><li><strong>Average Deposits</strong>: $39.3 billion for Commercial &amp; Personal Banking Services and $17.5 billion for Institutional Banking Services in 3Q 2025.<span class="superscript" item_id="0" item_type="announcement_file" value="2" url="https://www.sec.gov/Archives/edgar/data/101382/000119312525253477/umbf-ex99_2.htm"></span></li><li><strong>Average Loans</strong>: $31.8 billion for Commercial &amp; Personal Banking Services in 3Q 2025.<span class="superscript" item_id="0" item_type="announcement_file" value="2" url="https://www.sec.gov/Archives/edgar/data/101382/000119312525253477/umbf-ex99_2.htm"></span></li><li><strong>Assets Under Management (AUM)</strong>: $18.3 billion for Private Wealth Management.<span class="superscript" item_id="0" item_type="announcement_file" value="2" url="https://www.sec.gov/Archives/edgar/data/101382/000119312525253477/umbf-ex99_2.htm"></span></li><li><strong>Assets Under Administration (AUA)</strong>: $2.5 billion for Private Wealth Management and $641.5 billion for Institutional Banking Services.<span class="superscript" item_id="0" item_type="announcement_file" value="2" url="https://www.sec.gov/Archives/edgar/data/101382/000119312525253477/umbf-ex99_2.htm"></span></li></ul><h3>Outlook / Guidance</h3><ul><li>UMB Financial Corporation successfully integrated Heartland Financial, USA, Inc. (HTLF) into its core systems in mid-October 2025, marking the completion of a significant acquisition milestone.<span class="superscript" item_id="0" item_type="announcement_file" value="1" url="https://www.sec.gov/Archives/edgar/data/101382/000119312525253477/umbf-ex99_1.htm"></span></li><li>The company anticipates continued strong performance driven by its diversified business model and organic growth momentum, supplemented by early successes from acquired markets.<span class="superscript" item_id="0" item_type="announcement_file" value="1" url="https://www.sec.gov/Archives/edgar/data/101382/000119312525253477/umbf-ex99_1.htm"></span></li><li>The company expects continued strong loan growth and opportunities for market share gains across its geographic footprint and asset classes. It aims to leverage capacity and capabilities in newly-acquired markets and maintain a diverse deposit base across multiple lines of business and geographies. The company also emphasizes its focus on returning value to shareholders through risk-adjusted returns and consistent dividend growth.<span class="superscript" item_id="0" item_type="announcement_file" value="2" url="https://www.sec.gov/Archives/edgar/data/101382/000119312525253477/umbf-ex99_2.htm"></span></li></ul>

UMB Financial Pref Shares UMBF 7.75 Perp 07/15/30 | 8-K: FY2025 Q3 Revenue: USD 678.34 M