NASDAQ$UMBF
UMB Financial Corp · Q4 2024 earnings
Q4 2024 earnings · · After market close · Investor relations
Briefing
UMB Financial reported fourth quarter net income and net operating income.
UMB Financial Corporation reported a strong fourth quarter in 2024, with net income reaching $120.0 million, or $2.44 per diluted share, and net operating income of $122.6 million, or $2.49 per diluted share. The quarter was marked by significant increases in average loans and deposits, alongside strong credit quality and disciplined expense management. The company also highlighted its upcoming merger with Heartland Financial, slated for January 31, 2025.
- GAAP net income was $120.0 million, or $2.44 per diluted share.
- Net operating income reached $122.6 million, or $2.49 per diluted share.
- Average loans increased by 14.8% on a linked-quarter, annualized basis, reaching $25.3 billion.
- Average deposits increased by 30.9% on a linked-quarter, annualized basis, totaling $38.0 billion.
Headline financials
Revenue & EPS history
UMB Financial · Revenue · Quarterly
$434M
Revenue by segment
UMB Financial · $419M total across 3 segments · Q3 2023
- Commercial Banking$235M+41.1%56.2%
- Institutional Banking$130M-2.3%30.9%
- Personal Banking$54.2M-34.4%12.9%
Forward guidance
UMB Financial Corporation is set to close its merger with Heartland Financial on January 31, 2025, pending necessary approvals.
Historical earnings impact
How earnings announcements have historically affected this stock's price.
Avg. return before/after earnings
Based on 20 quarterly earnings reports · overlaid with Q4 2024
+0.2%
Avg return
Earnings day
-0.4%
Avg return
5 days after
+2.6%
Avg return
30 days after
55%
38 / 69 earnings
Positive
+8.1%
Q4 2015
Best reaction
-9.6%
Q3 2022
Worst reaction
| Quarter | Report date | Reaction (Day 0) | +5 days | +30 days |
|---|---|---|---|---|
| Q1 2026 | -0.9% | +3.2% | +4.7% | |
| Q4 2025 | +0.0% | +2.6% | -7.2% | |
| Q3 2025 | -3.4% | -4.4% | -1.1% | |
| Q1 2025 | +3.4% | +5.8% | +9.0% | |
| Q4 2024 | +0.8% | -6.9% | -9.3% | |
| Q3 2024 | +3.8% | +1.1% | +17.7% | |
| Q2 2024 | +4.1% | -4.6% | +5.0% | |
| Q1 2024 | -4.2% | -0.7% | -5.1% | |
| Q4 2023 | -1.2% | -1.5% | -2.2% | |
| Q3 2023 | +2.0% | +1.7% | +17.2% | |
| Q2 2023 | +4.6% | +1.9% | -7.2% | |
| Q1 2023 | +6.2% | +9.8% | +2.4% | |
| Q4 2022 | +1.6% | +1.5% | +5.4% | |
| Q3 2022 | -9.6% | -9.2% | -5.4% | |
| Q2 2022 | -0.4% | -1.4% | +1.5% | |
| Q1 2022 | +0.3% | -3.8% | -2.6% | |
| Q4 2021 | -6.8% | -4.9% | -4.1% | |
| Q3 2021 | -6.7% | -4.7% | +3.6% | |
| Q2 2021 | +5.0% | +6.3% | +2.5% | |
| Q1 2021 | +1.2% | +1.8% | +1.4% | |
| Q4 2020 | -4.1% | -2.8% | +18.5% | |
| Q3 2020 | +0.0% | +4.1% | +21.9% | |
| Q2 2020 | +6.4% | +6.3% | +18.8% | |
| Q1 2020 | +8.1% | +2.2% | +9.0% | |
| Q4 2019 | +3.8% | +2.5% | -5.8% | |
| Q3 2019 | +1.0% | -1.3% | +1.6% | |
| Q2 2019 | +1.5% | -2.4% | -6.8% | |
| Q1 2019 | +3.8% | +6.4% | -0.9% | |
| Q4 2018 | -7.2% | -5.6% | +0.5% | |
| Q3 2018 | -5.3% | -4.9% | +1.6% | |
| Q2 2018 | -7.1% | -9.6% | -4.5% | |
| Q1 2018 | +1.4% | +1.4% | +2.9% | |
| Q4 2017 | +3.6% | +2.7% | +0.3% | |
| Q3 2017 | -1.7% | +0.4% | -2.7% | |
| Q2 2017 | -4.7% | -4.9% | -9.4% | |
| Q1 2017 | +0.1% | -5.7% | -7.3% | |
| Q4 2016 | +5.3% | +5.6% | +9.5% | |
| Q3 2016 | -1.2% | -2.3% | +21.9% | |
| Q2 2016 | +1.2% | -0.1% | +7.8% | |
| Q1 2016 | +3.9% | — | — | |
| Q4 2015 | +8.1% | — | — | |
| Q3 2015 | -1.9% | — | — | |
| Q2 2015 | +0.2% | — | — | |
| Q1 2015 | -3.0% | — | — | |
| Q4 2014 | -7.6% | — | — | |
| Q3 2014 | +4.1% | — | — | |
| Q2 2014 | -0.6% | — | — | |
| Q1 2014 | -0.5% | — | — | |
| Q4 2013 | -6.7% | — | — | |
| Q3 2013 | +2.1% | — | — | |
| Q2 2013 | +1.7% | — | — | |
| Q1 2013 | +5.5% | — | — | |
| Q4 2012 | -3.0% | — | — | |
| Q3 2012 | -3.5% | — | — | |
| Q2 2012 | +2.3% | — | — | |
| Q1 2012 | +1.4% | — | — | |
| Q4 2011 | -0.5% | — | — | |
| Q3 2011 | +1.3% | — | — | |
| Q2 2011 | -6.2% | — | — | |
| Q1 2011 | +0.9% | — | — | |
| Q4 2008 | +1.3% | — | — | |
| Q4 2009 | +1.3% | — | — | |
| Q4 2010 | +1.3% | — | — | |
| Q3 2010 | +5.4% | — | — | |
| Q3 2009 | +5.4% | — | — | |
| Q2 2010 | -1.6% | — | — | |
| Q2 2009 | -1.6% | — | — | |
| Q1 2010 | -1.9% | — | — | |
| Q1 2009 | -1.9% | — | — |
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