UMB Financial Corp Dossier
Outlook & Key Dates
Estimates, guidance, catalysts, and upcoming events
Analyst Estimates Learn more →
5-Yr Fwd EPS Growth
10.7%projected annual EPS growth
Analyst Coverage
13analysts covering
FY Revenue (est.)
$3Bnext fiscal year
FY EPS (est.)
$13.21next fiscal year
Reporting Calendar
| Event | Expected Date |
|---|---|
| Q3 2026 Earnings Release | 27 Oct 2026 |
Monitoring Framework
Key Performance Indicators
Net Interest Margin (NIM) Quarterly338.0%Target: Maintain core NIM above 3.00% excluding purchase accounting adjustments
GAAP Efficiency Ratio Quarterly4,840.0%Target: Maintain below 50.0% through post-merger cost synergies
Loan Growth (Linked-Quarter Annualized) Quarterly1,080.0%Target: High-single-digit organic loan growth
Watch Items
- Heartland Financial USA (HTLF) Integration SynergiesTrigger: Failure to achieve projected cost savings or experiencing deposit attrition post-conversionAction: Accelerate branch consolidation and optimize regional operational overhead
- Net Charge-Offs (NCOs) and Credit QualityTrigger: Net charge-offs exceeding 25 basis points of average loansAction: Tighten commercial underwriting standards and review private credit/subscription line exposures
Research as of 2 Sep 2026