UMB Financial Corporation (UMBF) Q3 2025 Earnings Call

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Replay transcript excerpt

WEBVTT 00:00:00.031 -- 00:00:05.400 Hello and welcome to the annual meeting of shareholders of UMB Financial Corporation. 00:00:05.400 -- 00:00:08.405 Please note that today's meeting is being recorded. 00:00:08.405 -- 00:00:11.650 During the meeting, we'll have a question and answer session. 00:00:11.650 -- 00:00:16.257 You can submit questions or comments at any time by clicking on the message icon. 00:00:16.257 -- 00:00:21.346 It is now my pleasure to turn today's meeting over to Mariner Kemper, UMB's 00:00:21.346 -- 00:00:27.048 Chairman and Chief Executive Officer. Mr. Kemper, the floor is yours. 00:00:27.048 -- 00:00:30.993 Good morning, and thank you all for joining us virtually today for our annual meeting 00:00:30.993 -- 00:00:36.821 of shareholders. I typically start this meeting with a few comments about our prior year, 00:00:36.821 -- 00:00:42.028 and 2024 was a great year. It was a transformational 00:00:42.028 -- 00:00:47.536 year. We saw strong balance sheet growth with solid capital metrics and 26.1% 00:00:47.536 -- 00:00:48.998 year-over-year 00:00:48.998 -- 00:00:54.105 increase in net income. We've included a couple of slides in our presentation 00:00:54.105 -- 00:01:00.442 about 2024 performance, and you can Review those highlights on your own. 00:01:00.685 -- 00:01:05.711 One of the most exciting events of 2024 was the April announcement of our acquisition 00:01:05.711 -- 00:01:11.397 of Heartland Financial. Both UMBF and HDLF teams that worked tirelessly 00:01:11.397 -- 00:01:15.903 over the past year on integration and conversion planning created a seamless experience 00:01:15.903 -- 00:01:21.349 for our customers. This acquisition was closed on January 31st 00:01:21.349 -- 00:01:23.572 and is the largest in the company's history. 00:01:23.572 ...