UMB Financial (UMBF) Q3 Earnings: What To Expect

Regional banking company UMB Financial (NASDAQ:UMBF) will be reporting earnings this Tuesday after market hours. Here’s what to look for.

UMB Financial beat analysts’ revenue expectations by 8.6% last quarter, reporting revenues of $689.2 million, up 76.7% year on year. It was a stunning quarter for the company, with a beat of analysts’ EPS estimates and an impressive beat of analysts’ revenue estimates.

Is UMB Financial a buy or sell going into earnings? Read our full analysis here, it’s free for active Edge members.

This quarter, analysts are expecting UMB Financial’s revenue to grow 61.2% year on year to $654.6 million, improving from the 14.2% increase it recorded in the same quarter last year. Adjusted earnings are expected to come in at $2.50 per share.UMB Financial Total Revenue

Analysts covering the company have generally reconfirmed their estimates over the last 30 days, suggesting they anticipate the business to stay the course heading into earnings. UMB Financial has only missed Wall Street’s revenue estimates once over the last two years, exceeding top-line expectations by 4.4% on average.

Looking at UMB Financial’s peers in the regional banks segment, some have already reported their Q3 results, giving us a hint as to what we can expect. SouthState delivered year-on-year revenue growth of 63.9%, beating analysts’ expectations by 6.5%, and Atlantic Union Bankshares reported revenues up 75%, topping estimates by 1.6%. SouthState traded down 4.3% following the results while Atlantic Union Bankshares’s stock price was unchanged.

Read our full analysis of SouthState’s results here and Atlantic Union Bankshares’s results here.

Debates around the economy’s health and the impact of potential tariffs and corporate tax cuts have caused much uncertainty in 2025. While some of the regional banks stocks have shown solid performance in this choppy environment, the group has generally underperformed, with share prices down 2.7% on average over the last month. UMB Financial is down 4.2% during the same time and is heading into earnings with an average analyst price target of $139.38 (compared to the current share price of $113.57).

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