For the quarter ended June 2026, UMB Financial (UMBF) reported revenue of $786.86 million, up 14.2% over the same period last year. EPS came in at $3.57, compared to $2.96 in the year-ago quarter.

The reported revenue represents a surprise of +8.41% over the Zacks Consensus Estimate of $725.8 million. With the consensus EPS estimate being $3.08, the EPS surprise was +15.91%.

While investors closely watch year-over-year changes in headline numbers -- revenue and earnings -- and how they compare to Wall Street expectations to determine their next course of action, some key metrics always provide a better insight into a company's underlying performance.

Since these metrics play a crucial role in driving the top- and bottom-line numbers, comparing them with the year-ago numbers and what analysts estimated about them helps investors better project a stock's price performance.

Here is how UMB performed in the just reported quarter in terms of the metrics most widely monitored and projected by Wall Street analysts:

  • Net interest margin (FTE): 3.3% versus the three-analyst average estimate of 3.2%.
  • Efficiency Ratio (GAAP): 48.4% versus the three-analyst average estimate of 51.8%.
  • Average Balance - Total earning assets: $65.31 billion versus the two-analyst average estimate of $65.72 billion.
  • Tier 1 risk-based capital ratio: 12% versus the two-analyst average estimate of 11.9%.
  • Total Risk-based Capital Ratio: 13.8% compared to the 13.7% average estimate based on two analysts.
  • Net loan charge-offs (recoveries) as a % of total average loans: 0.2% versus the two-analyst average estimate of 0.2%.
  • Total noninterest income: $245.51 million versus the three-analyst average estimate of $199.97 million.
  • Net interest income (FTE): $541.36 million compared to the $525.84 million average estimate based on three analysts.
  • Bankcard fees: $29.95 million compared to the $29.1 million average estimate based on two analysts.
  • Service charges on deposit accounts: $29.59 million versus the two-analyst average estimate of $29.02 million.
  • Net Interest Income: $532.53 million compared to the $515.49 million average estimate based on two analysts.
  • Trust and securities processing: $98.3 million compared to the $95.88 million average estimate based on two analysts.

View all Key Company Metrics for UMB here>>>

Shares of UMB have returned -0.7% over the past month versus the Zacks S&P 500 composite's +1.7% change. The stock currently has a Zacks Rank #3 (Hold), indicating that it could perform in line with the broader market in the near term.

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This article originally published on Zacks Investment Research (zacks.com).

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