Revenue: As of FY2025 Q2, the actual value is USD 689.21 M.EPS: As of FY2025 Q2, the actual value is USD 2.82.EBIT: As of FY2025 Q2, the actual value is USD 275.04 M.<h4>Segment Revenue</h4><ul><li>Commercial &amp; Personal Banking Services: Revenue for 2Q’25 was $514.9 million.</li><li>Institutional Banking Services: Revenue for 2Q’25 was $174.3 million.</li><li>Net Interest Income: $467.0 million in Q2 2025, a 17.4% increase from the previous quarter, driven by organic growth in average loans and the acquisition of HTLF.</li></ul><h4>Operational Metrics</h4><ul><li>Net Operating Income: Net operating income available to common shareholders for 2Q’25 was $166.9 million.</li><li>Noninterest Income: Increased by $56.0 million to $222.2 million for 2Q’25, driven by investment security valuations and increased trust &amp; securities processing income.</li><li>Noninterest Expense: Increased by $8.4 million to $393.2 million on a GAAP basis for 2Q’25.</li><li>Net Income: $215.4 million in Q2 2025, up 112.5% from Q2 2024.</li><li>Operating Pre-tax, Pre-provision Income: $309.2 million in Q2 2025, a 32.5% increase from the previous quarter and 110.6% from Q2 2024.</li><li>Efficiency Ratio: Improved to 53.4% in Q2 2025 from 63.4% in Q2 2024.</li></ul><h4>Cash Flow</h4><ul><li>Operating Cash Flow: Not explicitly detailed in the reference.</li><li>Free Cash Flow: Not explicitly detailed in the reference.</li></ul><h4>Unique Metrics</h4><ul><li>Net Interest Income &amp; Margin: Reported NIM for 2Q’25 was 2.75%.</li><li>Allowance for Credit Losses: $100.9 million, representing 0.10% of total loans.</li><li>Average Loans: Increased 12.7% from the previous quarter to $36.4 billion, and 52.9% from Q2 2024.</li><li>Average Deposits: Increased 10.7% from the previous quarter to $55.6 billion, and 62.1% from Q2 2024.</li></ul><h4>Outlook / Guidance</h4><ul><li>The company anticipates leveraging capacity and capabilities in newly-acquired markets and maintaining a flexible balance sheet well-positioned for changing interest rate environments.</li><li>UMB Financial Corporation expects continued growth in EPS and tangible book value, outpacing peers over the long-term.</li><li>The company is focused on returning value to shareholders through consistent dividend growth and differentiated revenue profiles.</li><li>The company successfully integrated the acquired Heartland Financial, USA, Inc. (HTLF) Minnesota franchise and plans to convert the remaining HTLF franchises by October 2025.</li><li>The company completed an underwritten public offering of Series B non-cumulative perpetual preferred stock, netting approximately $294.1 million in Tier 1 regulatory capital.</li></ul>

UMB Financial Pref Shares UMBF 7.75 Perp 07/15/30 | 8-K: FY2025 Q2 Revenue: USD 689.21 M