Business
UMB Financial Corporation Reports Third Quarter 2025 Results
Third Quarter 2025 Financial Highlights GAAP net income available to common shareholders of $180.4 million, or $2.36 per diluted common share, an increase of
About this update from Umb Financial Corporation
[{"type":"text","content":"\nThird Quarter 2025 Financial Highlights\n\n\n\nGAAP net income available to common shareholders of $180.4 million, or $2.36 per diluted common share, an increase of 64.5% as compared to the third quarter of 2024.\n\n\n\nNet operating income available to common shareholders(i) of $206.5 million, or $2.70 per diluted common share, an increase of 87.2% as compared to the third quarter of 2024.\n\n\n\nThird quarter 2025 return on average assets of 1.04% and return on average common equity of 10.14%.\n\n\n\nEfficiency ratio improved to 58.1% as compared to 61.7% in the third quarter of 2024.\n\n\n\nNet interest margin on a fully taxable equivalent basis of 3.04%, up 58 basis points from the third quarter of 2024.\n\n\n\nAverage loans increased 8.0% on a linked-quarter annualized basis to $37.1 billion; average loans increased $12.8 billion, or 52.3%, as compared to the third quarter of 2024. End-of-period loans were $37.7 billion at September 30, 2025.\n\n\n\nAverage deposits increased 8.0% on a linked-quarter annualized basis to $56.8 billion. End-of-period deposits were $60.1 billion at September 30, 2025.\n\n\n\nExpenses of $419.3 million included $35.6 million in acquisition-related costs.\n\n\n\nNoninterest income increased 28.1% to $203.3 million compared to the third quarter of 2024.\n\n\n\nTotal assets at September 30, 2025 were $71.9 billion, up 51.3% from $47.5 billion as of September 30, 2024.\n\n\n\nSuccessfully integrated Heartland Financial, USA, Inc. (HTLF) to UMB's core systems in mid-October.\n\n\n\n(i) A non-GAAP financial measure reconciled later in this release to the nearest comparable GAAP measure.\n\n\n KANSAS CITY, Mo.--(BUSINESS WIRE)--\nUMB Financial Corporation (Nasdaq: UMBF), a financial services company, announced net income available to common shareholders for the third quarter of 2025 of $180.4 million, or $2.36 per diluted share, compared to $215.4 million, or $2.82 per diluted share, in the second quarter (linked quarter) and $109.6 million, or $2.23 per diluted share, in the third quarter of 2024.\n\n\nNet operating income available to common shareholders, a non-GAAP financial measure reconciled later in this release to net income available to common shareholders, the nearest comparable GAAP measure, was $206.5 million, or $2.70 per diluted share, for the third quarter of 2025, compared to $225.4 m...