UMB Financial Reports Q4 EPS Beat and Declares $0.43 Dividend
UMB Financial reported Q4 EPS of $3.08, exceeding the Zacks consensus of $2.71 and up from $2.49 a year earlier, driven by sharp net interest income gains and steady fee income growth. The board also declared a quarterly common dividend of $0.43 per share payable April 1, 2026.
1. Q4 Earnings and EPS Performance
UMB Financial reported fourth-quarter earnings of $3.08 per share, surpassing the Zacks Consensus Estimate of $2.71 and up from $2.49 in the year-ago period. Net income for the quarter totaled $85 million, a 20% increase versus Q4 2024. This earnings beat helped drive a near 2% rally in UMBF shares on the day of the announcement.
2. Growth in Net Interest Income and Fee Income
Net interest income rose 14% year-over-year to $349 million, reflecting strong loan growth and an improved interest rate environment. Non-interest income, which includes service fees, wealth management and treasury income, grew 7% to $112 million, driven by higher account activity and steady trust and investment fee contributions.
3. Dividend Declaration and Capital Position
The board declared a quarterly dividend of $0.43 per common share, payable April 1, 2026, to shareholders of record as of March 10, 2026. Holders of Series B 7.75% preferred stock will receive $0.484375 per depositary share, payable April 15, 2026. UMB Financial ended the quarter with a CET1 ratio of 10.8% and a tangible common equity ratio of 7.2%, maintaining ample capital buffers for future growth.