UMB Posts $3.56 Q3 EPS, 13.9% Revenue Growth and Holds $0.50 Dividend
UMBF sits 30% above its 52-week low of $103.38.
Summary
UMB earned $3.56 per diluted share in Q3 2026, up 51% year over year but flat versus Q2, on $772.4 million of revenue, and declared a $0.50 quarterly dividend. The results arrive alongside the separately announced $506 million El Dorado acquisition.
Key Events · Earnings and Guidance · UMBF
-
Q3 EPS $3.56, Up 51% YoY
Net income available to common shareholders was $272.3 million, or $3.56 per diluted share, versus $180.4 million and $2.36 in Q3 2025.
-
Revenue $772.4M, Margin Holds 3.32%
Total revenue rose 13.9% year over year on net interest income of $540.0 million (+13.7%) and noninterest income of $232.4 million (+14.3%); net interest margin was flat at 3.32%.
-
Sequential Earnings Flat
EPS matched Q2's $3.56 and operating pre-tax, pre-provision income fell 1.8% to $373.0 million from $380.1 million, as investment securities gains dropped $16.1 million.
-
Credit Quality Improves
Net charge-offs were $14.0 million, or 0.13% of average loans, and nonperforming loans fell to $117.9 million, or 28 basis points of total loans, from 31 basis points at June 30, 2026.
Analysis · UMBF · Finance
UMB's third quarter was solid on the surface: net income available to common of $272.3 million, or $3.56 per diluted share, up 51.0% from $2.36 a year ago, on revenue of $772.4 million (+13.9%). The margin held at 3.32% and the efficiency ratio improved to 48.71% from 58.09%. The catch is that the linked quarter was essentially flat — EPS of $3.56 matched Q2 and operating pre-tax, pre-provision income slipped 1.8% to $373.0 million — so the year-over-year jump mostly reflects the absence of last year's $35.6 million of acquisition costs, not a new acceleration. Credit stayed clean, with net charge-offs at 0.13% of average loans and nonperforming loans down to 28 basis points. The board kept the common dividend at $0.50 per share, payable January 4, 2027, which annualizes to $2.00 against the $1.86 paid for full-year 2026. This lands the same day as the separate $506 million El Dorado Savings Bank acquisition announcement, so the flat sequential earnings and the deal's roughly 2% share issuance are being digested together.
How filings like this one have moved
In the 30 days to Oct 28, 2026, 30.5% of the 1494 measured filings Wiseek scored 7 moved their stock by 5% or more by the next session's close. The median move was -0.03%. These are measured outcomes after filings of this importance, not a forecast for this one.
Measured one observation per ticker per day, after exclusions. Current figures: Filing Impact Tracker · open dataset
At the time of this filing, UMBF was trading at $134.16 on NASDAQ in the Finance sector, with a market capitalization of approximately $10.2B. The 52-week trading range was $103.38 to $153.32. This filing was assessed with neutral market sentiment and an importance score of 7 out of 10.