UMB Financial Earnings Estimate

UMBF Stock

USD 119.58 1.95 1.66%

The next projected EPS of UMB Financial is estimated to be 2.2 with future projections ranging from a low of 2.1775 to a high of 2.3325. UMB Financial's most recent 12-month trailing earnings per share (EPS TTM) is at 8.14. Please be aware that the consensus of earnings estimates for UMB Financial is based on EPS before non-recurring items and includes expenses related to employee stock options.

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UMB Financial is projected to generate 2.2 in earnings per share on the 31st of December 2024. UMB Financial earnings estimates show analyst consensus about projected UMB Financial EPS (Earning Per Share). It derives the highest and the lowest estimates based on UMB Financial's historical volatility. Many public companies, such as UMB Financial, manage the perception of their earnings on a regular basis to make sure that analyst estimates are accurate. Future earnings calculations are also an essential input when attempting to value a firm.

UMB Financial Revenue Breakdown by Earning Segment

By analyzing UMB Financial's earnings estimates, investors can diagnose different trends across UMB Financial's analyst sentiment over time as well as compare current estimates against different timeframes. At this time, UMB Financial's Gross Profit is most likely to increase significantly in the upcoming years. The UMB Financial's current Operating Profit Margin is estimated to increase to 4.08, while Pretax Profit Margin is projected to decrease to 0.22.

Check out World Market Map to better understand how to build diversified portfolios, which includes a position in UMB Financial. Also, note that the market value of any company could be closely tied with the direction of predictive economic indicators such as signals in bureau of labor statistics.

For more detail on how to invest in UMB Stock please use our How to Invest in UMB Financial guide.

UMB Financial Earnings Estimation Breakdown

The calculation of UMB Financial's earning per share is based on the data from the past 12 consecutive months, used for reporting the company's financial figures. The next projected EPS of UMB Financial is estimated to be 2.2 with the future projection ranging from a low of 2.1775 to a high of 2.3325. Please be aware that this consensus of annual earnings estimates for UMB Financial is based on EPS before non-recurring items and includes expenses related to employee stock options.

Last Reported EPS

2.25

2.18

Lowest

Expected EPS

2.2

2.33

Highest

UMB Financial Earnings Projection Consensus

Suppose the current estimates of UMB Financial's value are higher than the current market price of the UMB Financial stock. In this case, investors may conclude that UMB Financial is overpriced and will exhibit bullish sentiment. On the other hand, if the present value is lower than the stock price, analysts may conclude that the market undervalues the equity. These scenarios may suggest that the market is not as efficient as it should be at the estimation time, and UMB Financial's stock will quickly adjusts to the new information provided by the consensus estimate.

Number of Analysts	Historical Accuracy	Last Reported EPS		Estimated EPS for 31st of December 2024	Current EPS (TTM)
9	87.96%	2.25		2.2	8.14

UMB Financial Earnings History

Earnings estimate consensus by UMB Financial analysts from Wall Street is used by the market to judge UMB Financial's stock performance. Investors also use these earnings estimates to evaluate and project the stock performance into the future in order to make their investment decisions. However, we recommend analyzing not only UMB Financial's upcoming profit reports and earnings-per-share forecasts but also comparing them to our different valuation methods.

UMB Financial Quarterly Gross Profit

363.94 Million

At this time, UMB Financial's Retained Earnings are most likely to increase significantly in the upcoming years. The UMB Financial's current Price Earnings Ratio is estimated to increase to 13.18, while Retained Earnings Total Equity is projected to decrease to roughly 1.5 B. The UMB Financial's current Net Income Applicable To Common Shares is estimated to increase to about 521.3 M, while Common Stock Shares Outstanding is projected to decrease to roughly 51.3 M.

Hype

Prediction

Low	Estimated	High
116.92	119.33	121.74

Details

Intrinsic

Valuation

Low	Real	High
107.62	134.52	136.93

Details

9 Analysts

Consensus

Low	Target	High
126.19	138.67	153.92

Details

Please note, it is not enough to conduct a financial or market analysis of a single entity such as UMB Financial. Your research has to be compared to or analyzed against UMB Financial's peers to derive any actionable benefits. When done correctly, UMB Financial's competitive analysis will give you plenty of quantitative and qualitative data to validate your investment decisions or develop an entirely new strategy toward taking a position in UMB Financial. Note that many institutional investors and large investment bankers can move markets due to the volume of UMB assets they manage. They also follow analysts to some degree and often drive overall investor sentiments towards UMB Financial. With so many stockholders watching consensus numbers, the difference between actual and projected earnings is one of the most critical factors driving UMB Financial's stock price in the short term.

UMB Financial Earnings per Share Projection vs Actual

Actual Earning per Share of UMB Financial refers to what the company shows during its earnings calls or quarterly reports. The Expected EPS is what analysts covering UMB Financial predict the company's earnings will be in the future. The higher the earnings per share of UMB Financial, the better is its profitability. While calculating the Earning per Share, we use the weighted ratio, as the number of shares outstanding can change over time.

UMB Financial Estimated Months Earnings per Share

For an investor who is primarily interested in generating an income out of investing in entities such as UMB Financial, the EPS ratio can tell if the company is intending to increase its current dividend. Although EPS is an essential tool for investors, it should not be used in isolation. EPS of UMB Financial should always be considered in relation to other companies to make a more educated investment decision.

UMB Quarterly Analyst Estimates and Surprise Metrics

Earnings surprises can significantly impact UMB Financial's stock price both in the short term and over time. Negative earnings surprises usually result in a price decline. However, it has been seen that positive earnings surprises lead to an immediate rise in a stock's price and a gradual increase over time. This is why we often hear news about some companies beating earning projections. Financial analysts spend a large amount of time predicting earnings per share (EPS) along with other important future indicators. Many analysts use forecasting models, management guidance, and additional fundamental information to derive an EPS estimate.

Reported	Fiscal Date	Estimated EPS	Reported EPS	Surprise
2024-10-29	2024-09-30	2.2	2.25	0.05	2
2024-07-30	2024-06-30	2.01	2.07	0.06	2
2024-04-29	2024-03-31	1.76	2.25	0.49	27
2024-01-30	2023-12-31	1.76	1.45	-0.31	17
2023-10-24	2023-09-30	1.77	1.98	0.21	11
2023-07-25	2023-06-30	1.93	1.85	-0.08	4
2023-04-25	2023-03-31	1.86	1.9	0.04	2
2023-01-24	2022-12-31	1.99	2.06	0.07	3
2022-10-25	2022-09-30	2.15	1.81	-0.34	15
2022-07-26	2022-06-30	1.9	2.83	0.93	48
2022-04-26	2022-03-31	1.67	2.17	0.5	29
2022-01-25	2021-12-31	1.85	1.61	-0.24	12
2021-10-26	2021-09-30	1.8	1.94	0.14	7
2021-07-27	2021-06-30	1.78	1.79	0.01	0
2021-04-27	2021-03-31	1.44	1.91	0.47	32
2021-01-26	2020-12-31	2.3	1.39	-0.91	39
2020-10-27	2020-09-30	1.02	1.52	0.5	49
2020-07-28	2020-06-30	0.37	1.26	0.89	240
2020-04-28	2020-03-31	0.87	-0.07	-0.94	108
2020-01-28	2019-12-31	1.17	1.35	0.18	15
2019-10-29	2019-09-30	1.17	1.27	0.1	8
2019-07-30	2019-06-30	1.16	1.16	0.0	0
2019-04-23	2019-03-31	1.1	1.18	0.08	7
2019-01-29	2018-12-31	1.11	0.52	-0.59	53
2018-10-23	2018-09-30	1.13	1.16	0.03	2
2018-07-24	2018-06-30	1.14	1.11	-0.03	2
2018-04-24	2018-03-31	1.05	1.14	0.09	8
2018-01-23	2017-12-31	0.94	1.01	0.07	7
2017-10-24	2017-09-30	0.92	0.97	0.05	5
2017-07-25	2017-06-30	0.93	0.9	-0.03	3
2017-04-25	2017-03-31	0.85	0.89	0.04	4
2017-01-24	2016-12-31	0.85	0.91	0.06	7
2016-10-25	2016-09-30	0.78	0.85	0.07	8
2016-07-26	2016-06-30	0.74	0.76	0.02	2
2016-04-26	2016-03-31	0.67	0.74	0.07	10
2016-01-26	2015-12-31	0.61	0.6	-0.01	1
2015-10-27	2015-09-30	0.65	0.46	-0.19	29
2015-07-28	2015-06-30	0.65	0.65	0.0	0
2015-04-28	2015-03-31	0.7	0.74	0.04	5
2015-01-27	2014-12-31	0.76	0.59	-0.17	22
2014-10-28	2014-09-30	0.76	0.78	0.02	2
2014-07-22	2014-06-30	0.76	0.79	0.03	3
2014-04-22	2014-03-31	0.71	0.73	0.02	2
2014-01-28	2013-12-31	0.74	0.77	0.03	4
2013-10-22	2013-09-30	0.74	0.83	0.09	12
2013-07-23	2013-06-30	0.74	0.74	0.0	0
2013-04-23	2013-03-31	0.64	0.87	0.23	35
2013-01-22	2012-12-31	0.67	0.52	-0.15	22
2012-10-23	2012-09-30	0.68	0.64	-0.04	5
2012-07-24	2012-06-30	0.69	0.72	0.03	4
2012-04-24	2012-03-31	0.61	1.15	0.54	88
2012-01-24	2011-12-31	0.61	0.58	-0.03	4
2011-10-25	2011-09-30	0.65	0.58	-0.07	10
2011-07-26	2011-06-30	0.65	0.68	0.03	4
2011-04-26	2011-03-31	0.58	0.65	0.07	12
2011-01-26	2010-12-31	0.54	0.47	-0.07	12
2010-10-27	2010-09-30	0.51	0.57	0.06	11
2010-07-28	2010-06-30	0.46	0.57	0.11	23
2010-04-27	2010-03-31	0.53	0.65	0.12	22
2010-01-26	2009-12-31	0.57	0.59	0.02	3
2009-10-27	2009-09-30	0.49	0.59	0.1	20
2009-07-21	2009-06-30	0.46	0.47	0.01	2
2009-04-21	2009-03-31	0.51	0.55	0.04	7
2009-01-27	2008-12-31	0.51	0.49	-0.02	3
2008-10-21	2008-09-30	0.57	0.53	-0.04	7
2008-07-22	2008-06-30	0.54	0.58	0.04	7
2008-04-22	2008-03-31	0.47	0.78	0.31	65
2008-01-22	2007-12-31	0.45	0.37	-0.08	17
2007-10-23	2007-09-30	0.47	0.51	0.04	8
2007-07-24	2007-06-30	0.42	0.48	0.06	14
2007-04-24	2007-03-31	0.38	0.41	0.03	7
2007-01-23	2006-12-31	0.37	0.37	0.0	0
2006-10-24	2006-09-30	0.39	0.37	-0.02	5
2006-07-25	2006-06-30	0.36	0.35	-0.01	2
2006-04-25	2006-03-31	0.34	0.31	-0.03	8
2006-01-24	2005-12-31	0.33	0.35	0.02	6
2005-10-25	2005-09-30	0.32	0.38	0.06	18
2005-07-26	2005-06-30	0.27	0.32	0.05	18
2005-04-26	2005-03-31	0.29	0.27	-0.02	6
2005-01-25	2004-12-31	0.27	0.27	0.0	0
2004-10-28	2004-09-30	0.24	0.28	0.04	16
2004-07-29	2004-06-30	0.27	0.2	-0.07	25
2004-04-29	2004-03-31	0.32	0.25	-0.07	21
2004-01-29	2003-12-31	0.32	0.28	-0.04	12
2003-10-16	2003-09-30	0.31	0.31	0.0	0
2003-07-17	2003-06-30	0.3	0.31	0.01	3
2003-04-17	2003-03-31	0.27	0.33	0.06	22
2003-01-16	2002-12-31	0.28	0.28	0.0	0
2002-10-17	2002-09-30	0.34	0.26	-0.08	23
2002-07-18	2002-06-30	0.41	0.32	-0.09	21
2002-04-18	2002-03-31	0.41	0.45	0.04	9
2002-01-17	2001-12-31	0.37	0.32	-0.05	13
2001-10-18	2001-09-30	0.39	0.38	-0.01	2
2001-07-19	2001-06-30	0.38	0.38	0.0	0
2001-04-19	2001-03-31	0.35	0.4	0.05	14
2001-01-18	2000-12-31	0.38	0.35	-0.03	7
2000-10-12	2000-09-30	0.38	0.37	-0.01	2
2000-07-20	2000-06-30	0.37	0.37	0.0	0
2000-04-20	2000-03-31	0.35	0.37	0.02	5
2000-01-20	1999-12-31	0.34	0.35	0.01	2
1999-10-21	1999-09-30	0.34	0.34	0.0	0
1999-07-15	1999-06-30	0.34	0.35	0.01	2
1999-04-22	1999-03-31	0.33	0.35	0.02	6
1999-01-21	1998-12-31	0.32	0.37	0.05	15
1998-11-19	1998-09-30	0.32	0.3	-0.02	6
1998-07-16	1998-06-30	0.33	0.31	-0.02	6
1998-04-16	1998-03-31	0.33	0.32	-0.01	3
1998-01-22	1997-12-31	0.33	0.35	0.02	6
1997-10-14	1997-09-30	0.32	0.32	0.0	0
1997-07-15	1997-06-30	0.31	0.31	0.0	0
1997-04-23	1997-03-31	0.3	0.32	0.02	6
1997-01-14	1996-12-31	0.3	0.23	-0.07	23
1996-10-15	1996-09-30	0.3	0.29	-0.01	3
1996-07-17	1996-06-30	0.28	0.3	0.02	7
1996-04-26	1996-03-31	0.26	0.37	0.11	42

About UMB Financial Earnings Estimate

The earnings estimate module is a useful tool to check what professional financial analysts are assuming about the future of UMB Financial earnings. We show available consensus EPS estimates for the upcoming years and quarters. Investors can also examine how these consensus opinions have evolved historically. We show current UMB Financial estimates, future projections, as well as estimates 1, 2, and three years ago. Investors can search for a specific entity to conduct investment planning and build diversified portfolios. Please note, earnings estimates provided by Macroaxis are the average expectations of expert analysts that we track. If a given stock such as UMB Financial fails to match professional earnings estimates, it usually performs purely. Wall Street refers to that as a 'negative surprise.' If a company 'beats' future estimates, it's usually called an 'upside surprise.'

Please read more on our stock advisor page.

	Last Reported	Projected for Next Year
Retained Earnings	3.2 B	3.4 B
Retained Earnings Total Equity	2.9 B	1.5 B
Earning Assets	13.1 B	10.3 B
Earnings Yield	0.10	0.07
Price Earnings Ratio	10.42	13.18
Price Earnings To Growth Ratio	(0.70)	(0.66)

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When determining whether UMB Financial is a strong investment it is important to analyze UMB Financial's competitive position within its industry, examining market share, product or service uniqueness, and competitive advantages. Beyond financials and market position, potential investors should also consider broader economic conditions, industry trends, and any regulatory or geopolitical factors that may impact UMB Financial's future performance. For an informed investment choice regarding UMB Stock, refer to the following important reports:

How To Invest In UMB

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Is UMB Stock a good investment?

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What is UMB Financial's Net Worth?

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Largest Regional Banks Companies

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Largest Banks - Regional Companies

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For more detail on how to invest in UMB Stock please use our How to Invest in UMB Financial guide.

You can also try the Equity Forecasting module to use basic forecasting models to generate price predictions and determine price momentum.

Is Regional Banks space expected to grow? Or is there an opportunity to expand the business' product line in the future? Factors like these will boost the valuation of UMB Financial. If investors know UMB will grow in the future, the company's valuation will be higher. The financial industry is built on trying to define current growth potential and future valuation accurately. All the valuation information about UMB Financial listed above have to be considered, but the key to understanding future value is determining which factors weigh more heavily than others.

Quarterly Earnings Growth

0.126

Dividend Share

1.56

Earnings Share

8.14

Revenue Per Share

31.297

Quarterly Revenue Growth

0.107

The market value of UMB Financial is measured differently than its book value, which is the value of UMB that is recorded on the company's balance sheet. Investors also form their own opinion of UMB Financial's value that differs from its market value or its book value, called intrinsic value, which is UMB Financial's true underlying value. Investors use various methods to calculate intrinsic value and buy a stock when its market value falls below its intrinsic value. Because UMB Financial's market value can be influenced by many factors that don't directly affect UMB Financial's underlying business (such as a pandemic or basic market pessimism), market value can vary widely from intrinsic value.

Please note, there is a significant difference between UMB Financial's value and its price as these two are different measures arrived at by different means. Investors typically determine if UMB Financial is a good investment by looking at such factors as earnings, sales, fundamental and technical indicators, competition as well as analyst projections. However, UMB Financial's price is the amount at which it trades on the open market and represents the number that a seller and buyer find agreeable to each party.

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UMB Financial Earnings Estimate

UMB Financial Revenue Breakdown by Earning Segment

UMB Financial Earnings Estimation Breakdown

UMB Financial Earnings Projection Consensus

UMB Financial Earnings History

UMB Financial Quarterly Gross Profit

363.94 Million

UMB Financial Earnings per Share Projection vs Actual

UMB Financial Estimated Months Earnings per Share

UMB Quarterly Analyst Estimates and Surprise Metrics

About UMB Financial Earnings Estimate

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