U UMBF

UMB Financial Corp

$135.37

+2.16% (+$2.86)

Volume 539,122

52W High $136.11

52W Low $98.16

Market Cap $9.55B

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What to Watch This Quarter

Based on historical data

Consensus EPS

$3.09

Whisper EPS

$3.40

9.9% above consensus

Last Quarter

$3.41

Current Streak

8 Beats

Avg Surprise (4Q)

+18.28%

Next Earnings Report

Reports in 43 days

Report Date Jul 28, 2026

Whisper Spread +9.93%

Consensus Estimate

$3.09

Official analyst average

Whisper Number

$3.40

What traders expect

Bullish Sentiment: The whisper number is 9.9% above consensus, suggesting traders expect a strong beat. The stock may be priced for upside surprise.

Price Chart

EPS History: Consensus vs Actual

Last 12 quarters

Price Movement Around Earnings

Q1 2026 Apr 28, 2026

1-Day: -0.90%

Q1 2026 Apr 27, 2026

1-Day: +0.96%

Q4 2025 Jan 27, 2026

1-Day: -0.16%

Q4 2025 Jan 26, 2026

1-Day: +1.93%

Revenue & Financial Performance

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
Q1 2026	Apr 28, 2026	$2.82	$3.05	$3.41	+20.92%	Beat
Q1 2026	Apr 27, 2026	$2.82	$3.06	$3.41	+21.02%	Beat
Q4 2025	Jan 27, 2026	$2.70	$2.86	$3.08	+14.07%	Beat
Q4 2025	Jan 26, 2026	$2.63	$2.86	$3.08	+17.11%	Beat
Q3 2025	Oct 28, 2025	$2.50	$2.67	$2.70	+8.00%	Beat
Q2 2025	Jul 29, 2025	$2.37	$2.48	$2.96	+24.89%	Beat
Q1 2025	Apr 29, 2025	$0.11	$2.35	$1.21	--	Missed
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	$2.16	+7.46%	Beat
Q1 2024	Apr 29, 2024	$1.80	$1.78	$2.47	+37.22%	Beat
Q4 2023	Jan 30, 2024	$1.76	$1.83	$2.29	+30.11%	Beat