UMB Financial reported quarterly earnings of $3.08 per share for the fourth quarter of 2025, outperforming the consensus estimate of $2.71 per share. This represents a 23.7% increase from the $2.49 per share earned in the same period a year earlier. The upside reflects disciplined expense management and higher net interest income.

Net interest income rose 15% year-over-year, driven by higher earning asset balances and improved lending spreads. Average loan balances increased by 8%, while average deposit balances grew by 5%. Fee-based revenue also showed resilience, climbing 7% compared with the year-ago quarter, supported by expanded wealth management and treasury services.

The board declared a common stock dividend of $0.43 per share, payable April 1, 2026, to shareholders of record as of March 10, 2026. In addition, a quarterly dividend on the Series B 7.75% preferred stock was set at $193.75 per share, equating to $0.484375 per depositary share, payable April 15, 2026, to holders of record as of March 31, 2026. The payouts reflect the firm’s strong capital ratios and commitment to returning excess earnings to shareholders.