U UMBF

UMB Financial Corp

$115.04

+0.34% (+$0.39)

Volume 424,387

52W High $136.11

52W Low $82.00

Market Cap $6.65B

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What to Watch This Quarter

Based on historical data

Last Quarter

$3.08

Current Streak

8 Beats

Avg Surprise (4Q)

+17.17%

Next Earnings Report

Reports in 20 days

Report Date Apr 27, 2026

Consensus Estimate

--

Official analyst average

Whisper Number

--

What traders expect

Price Chart

EPS History: Consensus vs Actual

Last 12 quarters

Price Movement Around Earnings

Q4 2025 Jan 26, 2026

1-Day: +1.93%

Q3 2025 Oct 28, 2025

1-Day: -3.21%

Q2 2025 Jul 29, 2025

1-Day: +1.47%

Q1 2025 Apr 29, 2025

1-Day: -3.32%

Revenue & Financial Performance

Revenue Whisper

$1.14B

TWN Proprietary Estimate

Last Quarter Revenue

$1.09B

+59.5% YoY

Gross Margin

66.4%

Net Margin: 19.8%

Quarter	Revenue	YoY Growth	Gross Margin	Op Margin	Net Income
Q4'25	$1.09B	+59.5%	66.4%	27.2%	$215.4M
Q3'25	$1.49B	+121.2%	44.3%	15.9%	$188.3M
Q2'25	$1.02B	+58.5%	60.2%	27.1%	$217.4M
Q1'25	$850.5M	+32.7%	49.9%	10.9%	$81.3M
Q4'24	$680.2M	+13.2%	55.2%	21.3%	$120.0M
Q3'24	$674.3M	+18.2%	51.3%	20.1%	$109.6M
Q2'24	$641.7M	+13.7%	52.1%	19.8%	$101.3M
Q1'24	$640.8M	+26.0%	54.7%	20.9%	$110.3M

Historical Earnings

Last 12 quarters

Quarter	Date	Consensus	Whisper	Actual EPS	Surprise %	Result
Q4 2025	Jan 26, 2026	$2.63	$2.86	$3.08	+17.11%	Beat
Q3 2025	Oct 28, 2025	$2.48	$2.67	$2.70	+8.87%	Beat
Q2 2025	Jul 29, 2025	$2.37	$2.48	$2.96	+24.89%	Beat
Q1 2025	Apr 29, 2025	$2.19	$2.35	$2.58	+17.81%	Beat
Q4 2024	Jan 28, 2025	$2.26	$2.33	$2.49	+10.18%	Beat
Q3 2024	Oct 29, 2024	$2.20	$2.29	$2.25	+2.27%	Missed
Q2 2024	Jul 30, 2024	$2.01	$2.04	$2.07	+2.99%	Beat
Q1 2024	Apr 29, 2024	$1.76	$1.78	$2.25	+27.84%	Beat
Q4 2023	Jan 30, 2024	$1.76	$1.83	$1.45	-17.61%	Missed
Q3 2023	Oct 24, 2023	$1.77	$1.76	$1.98	+11.86%	Beat
Q2 2023	Jul 25, 2023	$1.93	$2.07	$1.85	-4.15%	Missed
Q1 2023	Apr 25, 2023	$1.86	$2.02	$1.90	+2.15%	Missed