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.<h3>Segment Revenue</h3><ul><li>Commercial and Industrial Loans: $14,565,693 as of June 30, 2025, compared to $10,901,502 as of December 31, 2024.</li><li>Specialty Lending: $561,492 as of June 30, 2025, compared to $469,194 as of December 31, 2024.</li><li>Commercial Real Estate: $16,184,979 as of June 30, 2025, compared to $10,131,285 as of December 31, 2024.</li><li>Consumer Real Estate: $4,293,263 as of June 30, 2025, compared to $3,187,130 as of December 31, 2024.</li><li>Consumer Loans: $333,788 as of June 30, 2025, compared to $193,860 as of December 31, 2024.</li><li>Credit Cards: $687,361 as of June 30, 2025, compared to $578,766 as of December 31, 2024.</li></ul><h3>Operational Metrics</h3><ul><li>Net Income: $217,394 for the three months ended June 30, 2025, compared to $101,345 for the same period in 2024.</li><li>Net Interest Income: $467,024 for the three months ended June 30, 2025, compared to $245,108 for the same period in 2024.</li><li>Provision for Credit Losses: $21,000 for the three months ended June 30, 2025, compared to $14,050 for the same period in 2024.</li></ul><h3>Cash Flow</h3><ul><li>Net Cash Provided by Operating Activities: $648,407 for the six months ended June 30, 2025, compared to $168,510 for the same period in 2024.</li><li>Net Cash Used in Investing Activities: - $1,334,676 for the six months ended June 30, 2025, compared to - $955,744 for the same period in 2024.</li><li>Net Cash Provided by Financing Activities: $3,233,467 for the six months ended June 30, 2025, compared to $275,114 for the same period in 2024.</li></ul><h3>Unique Metrics</h3><ul><li>Nonaccrual Loans: $97,029 as of June 30, 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 maintaining strong credit quality and managing risk effectively.</li><li>Non-Core Business: The company is exploring opportunities in asset-based lending and specialty lending to diversify its revenue streams.</li></ul>

UMB Financial Pref Shares UMBF 7.75 Perp 07/15/30 | 10-Q: FY2025 Q2 EPS: USD 2.82