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AI brief of an SEC Form 8-K · UMB Financial (UMBF)

UMB Financial Q1 GAAP profit falls to $1.21 a share on merger costs

Mixed Impact 4 of 5 earnings Written later

UMB Financial reported first-quarter 2025 GAAP net income available to common shareholders of $79.3 million, or $1.21 per diluted share, down from $2.44 in the fourth quarter but up from $2.25 a year earlier. Results include $53.2 million of acquisition-related and other nonrecurring costs and an $86.0 million provision for credit losses, following the January 31, 2025 merger with Heartland Financial, while operating earnings rose to $2.58 per share. The company also declared a $0.40 quarterly dividend and authorized repurchase of up to one million common shares.

Key points

  • GAAP net income available to common shareholders was $79.3 million, or $1.21 per diluted share, versus $120.0 million, or $2.44, in Q4 2024 and $110.3 million, or $2.25, in Q1 2024.
  • Operating earnings per diluted share were $2.58, compared with $2.49 in the linked quarter and $2.47 in Q1 2024.
  • Total revenue rose to $563.8 million from $434.2 million in Q4 2024 and $398.7 million in Q1 2024.
  • The board declared a $0.40 per share dividend payable July 1, 2025, to holders of record on June 10, 2025, and authorized repurchase of up to 1,000,000 shares.

The filing

CompanyUMB Financial (UMBF)
Form8-K, current report
Filed with the SECApr 29, 2025, 4:05 PM ET
Accession number0000950170-25-060094

Items reported: 2.02 Results of Operations8.01 Other Events

Read the filing on SEC.gov ↗

Written by AI on Nov 8, 2026, 12:56 AM ET, from this filing only. Written later: this filing was briefed after the fact, when past filings were added to the site, so the brief may be read with hindsight; the filing itself is the record of what was known on April 29, 2025.

Briefs are written by AI from the filing text and can contain mistakes — open the filing before acting on anything. Impact (1-5) and tone are the AI's reading of the filing for shareholders, not a price forecast. Not investment advice.