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

UMB Financial Q3 EPS of $2.36 is up 64.5% from a year ago but down from Q2

Mixed Impact 3 of 5 earnings Written later

UMB Financial reported third-quarter 2025 GAAP net income available to common shareholders of $180.4 million, or $2.36 per diluted share, up 64.5% from the year-earlier quarter but down from $215.4 million, or $2.82 per share, in the second quarter. The results include the Heartland Financial USA, Inc. (HTLF) acquisition, which closed January 31, 2025, and $35.6 million in acquisition-related and other nonrecurring costs. The board also declared a quarterly dividend of $0.43 per common share payable January 2, 2026.

Key points

  • GAAP diluted EPS of $2.36 vs. $2.82 in Q2 2025 and $2.23 in Q3 2024; non-GAAP operating EPS was $2.70 vs. $2.96 in Q2 2025 and $2.25 in Q3 2024
  • Total revenue of $678.3 million, down from $689.2 million in Q2 2025; noninterest income fell 8.5% sequentially to $203.3 million, mainly on lower investment securities gains
  • GAAP noninterest expense rose to $419.3 million, including $19.2 million in fees for termination of legacy HTLF contracts; nonaccrual loans rose to $132.0 million
  • Common dividend of $0.43 per share, record date December 10, 2025; preferred Series B dividend of $0.484375 per depositary share, payable January 15, 2026

The filing

CompanyUMB Financial (UMBF)
Form8-K, current report
Filed with the SECOct 28, 2025, 4:05 PM ET
Accession number0001193125-25-253477

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 October 28, 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.