arBtrage CAPITALIZING MARKETS — checking… Sign in Sign up
Calendar /

UMB Financial Corporation

UMBF Finance Major Banks
$136.16
▲ +2.3% Today
as of Oct 22, 16:53 ET
Last 30 days -2.58% Sep 14 → Oct 22
$127.29 $130.64 $133.99 $137.34 $140.69 Sep 14 Sep 22 Sep 29 Oct 07 Oct 14 Oct 22
Open
$132.29
High
$136.41
Low
$132.29
Volume
$531,718
Avg Vol
$597,675
Mkt Cap
$9.7B
P/E (TTM)
14.14
Beta
—
52w High
$153.32
52w Low
$103.38
Div Yield
—
Shares Out
$76M

Recent Press Releases & News last 60 days · 18 items

Oct 20 · 13:00 Zacks
UMB Financial (UMBF) Earnings Expected to Grow: What to Know Ahead of Next Week's Release
Oct 9 · 12:43 MT Newswires
RBC Capital Adjusts Price Target on UMB Financial to $168 From $170, Keeps Outperform Rating
Oct 8 · 12:40 Zacks
Should Value Investors Buy UMB Financial (UMBF) Stock?
▸ Show all 18 press releases & news Free account →

UMBF earnings at a glance

UMB Financial Corporation (UMBF) is scheduled to report earnings on Tuesday, October 27, 2026 — in 4 days. Analysts expect earnings per share of $3.22, compared with $2.70 in the same quarter last year (+19%). The options market is pricing a move of about ±4.2% after the report, a range of roughly $130.44 to $141.88 from today's $136.16. Over its last 6 reports the stock rose the next day 2 times and fell 4, moving ±2.0% on average; after the most recent report on Jul 28, 2026 it moved +3.0%. That means options currently expect more movement than UMBF has typically delivered. UMBF beat the consensus EPS estimate in 6 of its last 6 reported quarters. Implied volatility is currently 36%. The share price of $136.16 sits in the middle of its 52-week range.

More Finance stocks · All stocks · Earnings calendar

Overview

52-week range
$103
$153
66% of range
Avg surprise (last 6)
+17.0%
Avg reaction (last 6)
-0.5%
33% positive
Latest IV / EM
36%
EM ±4.2% · $130 · Oct 16

Earnings trends

EPS — actual vs estimate Actual Estimate
$1.85$2.28$2.71$3.14$3.57 Actual $1.90Actual $1.85Actual $1.98Actual $2.25Actual $2.07Actual $2.23Actual $2.58Est $2.21Actual $2.96Est $2.35Actual $2.70Est $2.48Actual $3.08Est $2.71Actual $3.41Est $2.82Actual $3.57Est $3.08 MarJunSepMarJunSepMar/2025Jun/2025Sep/20258K8KJun/2026
Revenue vs Net Income Revenue Net income
$0$73M$146M$219M$291M Sep 24Mar 25Jun 25Sep 25Mar 26Jun 26

Earnings history

DatePeriodActual EPSEstSurpriseYoY %ΔDay reactSource
Tue Jul 28, 2026Jun/2026 $3.57 $3.08 +15.9% +4.0% +3.0% earnings
Tue Apr 28, 20268K 2026-04-28 $3.41 $2.82 +20.9% — -0.9% earnings
Tue Jan 27, 20268K 2026-01-27 $3.08 $2.71 +13.7% — -0.2% earnings
Tue Oct 28, 2025Sep/2025 $2.70 $2.48 +8.9% — -3.2% earnings
Tue Jul 29, 2025Jun/2025 $2.96 $2.35 +26.0% — +1.5% earnings
Tue Apr 29, 2025Mar/2025 $2.58 $2.21 +16.7% — -3.3% earnings
Mon Sep 30, 2024Sep 2024 $2.23 — — — — financials
Sun Jun 30, 2024Jun 2024 $2.07 — — — — financials
Sun Mar 31, 2024Mar 2024 $2.25 — — — — financials
Sat Sep 30, 2023Sep 2023 $1.98 — — — — financials
Fri Jun 30, 2023Jun 2023 $1.85 — — — — financials
Fri Mar 31, 2023Mar 2023 $1.90 — — — — financials

Upcoming

DateFiscalTimeEPS EstLY EPSYoY %Δ
Tue Oct 27, 2026Sep/2026OTHER $3.22$2.70 +19.3%

Financials

Income statement (quarterly)

MetricJun 2026Mar 2026Dec 2025Sep 2025Jun 2025Mar 2025Dec 2024Sep 2024
Revenue————————
Cost of revenue————————
Gross profit————————
Operating income————————
Net income$278M$261M—$188M$217M$81M—$110M
EPS (diluted)$3.56$3.35—$2.36$2.82$1.21—$2.23

Balance sheet (quarterly)

MetricJun 2026Mar 2026Dec 2025Sep 2025Jun 2025Mar 2025Dec 2024Sep 2024
Cash & equivalents$5.61B$6.26B—$8.84B$11.00B$10.61B—$7.28B
Inventory————————
Total current assets————————
Total assets$72.26B$72.67B$73.09B$71.88B$71.76B$69.35B$50.41B$47.50B
Long-term debt$480M$477M$474M$471M$657M$654M$385M$385M
Total liabilities$64.22B$64.85B$65.40B$64.44B$64.47B$62.60B$46.94B$43.96B
Total equity$8.03B$7.83B$7.69B$7.44B$7.29B$6.75B$3.47B$3.54B

Implied volatility — last 90 days

13%35%56%77%99% Jun 07 — IV 24% · EM ±3.3%Jun 08 — IV 24% · EM ±3.2%Jun 09 — IV 37% · EM ±4.6%Jun 10 — IV 42% · EM ±5.0%Jun 11 — IV 40% · EM ±4.4%Jun 12 — IV 33% · EM ±3.4%Jun 15 — IV 49% · EM ±3.6%Jun 16 — IV 57% · EM ±3.4%Jun 17 — IV 99% · EM ±4.1%Jun 19 — IV 24% · EM ±5.4%Jun 22 — IV 26% · EM ±5.3%Jun 23 — IV 32% · EM ±6.5%Jun 24 — IV 24% · EM ±4.8%Jun 25 — IV 23% · EM ±4.5%Jun 26 — IV 23% · EM ±4.3%Jun 29 — IV 27% · EM ±4.8%Jun 30 — IV 26% · EM ±4.5%Jul 01 — IV 22% · EM ±3.6%Jul 02 — IV 24% · EM ±3.9%Jul 03 — IV 25% · EM ±3.9%Jul 06 — IV 26% · EM ±3.5%Jul 07 — IV 27% · EM ±3.6%Jul 08 — IV 37% · EM ±4.6%Jul 09 — IV 30% · EM ±3.5%Jul 10 — IV 32% · EM ±3.5%Jul 13 — IV 42% · EM ±3.5%Jul 14 — IV 49% · EM ±3.6%Jul 15 — IV 59% · EM ±3.5%Jul 16 — IV 82% · EM ±3.4%Jul 20 — IV 24% · EM ±5.6%Jul 21 — IV 25% · EM ±5.8%Jul 22 — IV 26% · EM ±6.0%Jul 23 — IV 25% · EM ±5.7%Jul 24 — IV 26% · EM ±5.7%Jul 27 — IV 25% · EM ±5.2%Jul 28 — IV 30% · EM ±6.1%Jul 29 — IV 22% · EM ±4.3%Jul 30 — IV 26% · EM ±5.0%Jul 31 — IV 22% · EM ±4.1%Aug 03 — IV 26% · EM ±4.6%Aug 04 — IV 23% · EM ±4.0%Aug 05 — IV 33% · EM ±5.5%Aug 06 — IV 26% · EM ±4.2%Aug 07 — IV 22% · EM ±3.5%Aug 10 — IV 25% · EM ±3.5%Aug 11 — IV 28% · EM ±3.7%Aug 12 — IV 27% · EM ±3.4%Aug 13 — IV 28% · EM ±3.4%Aug 14 — IV 30% · EM ±3.4%Aug 17 — IV 46% · EM ±3.8%Aug 18 — IV 47% · EM ±3.4%Aug 19 — IV 59% · EM ±3.5%Aug 20 — IV 83% · EM ±3.5%Aug 24 — IV 15% · EM ±3.1%Aug 25 — IV 15% · EM ±3.1%Aug 26 — IV 15% · EM ±3.0%Aug 27 — IV 14% · EM ±2.7%Aug 28 — IV 15% · EM ±2.9%Aug 31 — IV 25% · EM ±4.4%Sep 01 — IV 25% · EM ±4.3%Sep 02 — IV 27% · EM ±4.4%Sep 03 — IV 16% · EM ±2.5%Sep 04 — IV 14% · EM ±2.3%Sep 07 — IV 16% · EM ±2.3%Sep 08 — IV 20% · EM ±2.7%Sep 09 — IV 31% · EM ±3.8%Sep 10 — IV 68% · EM ±8.0%Sep 11 — IV 33% · EM ±3.6%Sep 14 — IV 44% · EM ±3.7%Sep 15 — IV 63% · EM ±4.5%Sep 16 — IV 64% · EM ±3.8%Sep 17 — IV 90% · EM ±3.8%Sep 21 — IV 22% · EM ±4.6%Sep 22 — IV 20% · EM ±4.1%Sep 23 — IV 21% · EM ±4.2%Sep 24 — IV 20% · EM ±4.0%Sep 25 — IV 23% · EM ±4.4%Sep 28 — IV 23% · EM ±4.1%Sep 29 — IV 27% · EM ±4.7%Sep 30 — IV 27% · EM ±4.5%Oct 01 — IV 26% · EM ±4.2%Oct 02 — IV 26% · EM ±4.1%Oct 05 — IV 28% · EM ±3.9%Oct 06 — IV 30% · EM ±4.0%Oct 07 — IV 37% · EM ±4.6%Oct 08 — IV 36% · EM ±4.2%

Sector peers

WTFC
Wintrust Financial Corporation
$9.6B $149.75+2.4%
SSB
SouthState Bank Corporation
$9.6B $105.22+2.5%
CFR
Cullen/Frost Bankers, Inc.
$9.3B $157.68+1.1%
ONB
Old National Bancorp
$9.3B $25.16-0.7%
ZION
Zions Bancorporation N.A.
$9.0B $66.39+2.8%
FHN
First Horizon Corporation
$10.9B $23.54+2.1%

UMBF earnings FAQ

When is UMBF's next earnings date?

UMB Financial Corporation is expected to report on October 27, 2026.

What is UMBF's expected move for earnings?

Options currently price a move of about ±4.2%, or $5.72 per share either way from $136.16.

How does UMBF stock usually react to earnings?

Across the last 6 reports the average next-day move was ±2.0%, up 2 times and down 4 times.

What EPS are analysts expecting from UMB Financial Corporation?

The consensus estimate is $3.22 per share, versus $2.70 a year ago.

What is UMBF's implied volatility?

UMBF's at-the-money implied volatility is about 36% based on the latest options snapshot.

View on Nasdaq ↗
🔒 Preview mode. Create a free account to unlock the full earnings calendar, all panels, heatmaps, options flow, and screener.
Sign up free → Sign in