UMB Financial Q4 adjusted EPS beats estimates

Overview

• Financial services firm's Q4 revenue grew 66% yr/yr, driven by HTLF acquisition

• Adjusted EPS for Q4 beat analyst expectations

• Company's net interest income rose 94% yr/yr

Outlook

• Company did not provide specific guidance for future quarters or full-year 2026 in press release

Result Drivers

• HTLF ACQUISITION - UMB Financial's acquisition of Heartland Financial contributed to significant growth in loans and deposits, impacting overall financial results

• NET INTEREST INCOME - Increase in net interest income driven by decreased interest expense and growth in noninterest-bearing demand deposits

• NONINTEREST INCOME - Year-over-year increase due to higher fund services and trust income, despite a linked-quarter decline

Key Details

Analyst Coverage

• The current average analyst rating on the shares is "buy" and the breakdown of recommendations is 11 "strong buy" or "buy", 2 "hold" and no "sell" or "strong sell"

• The average consensus recommendation for the banks peer group is "buy"

• Wall Street's median 12-month price target for UMB Financial Corp is $140.00, about 14.3% above its January 26 closing price of $122.50

• The stock recently traded at 11 times the next 12-month earnings vs. a P/E of 11 three months ago

Press Release: ID:nBwjrXmRa

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