View Future GrowthUMB Financial 과거 순이익 실적과거 기준 점검 5/6UMB Financial은 연평균 15.2%의 비율로 수입이 증가해 온 반면, Banks 산업은 수입이 18.1% 증가했습니다. 매출은 연평균 15.4%의 비율로 증가했습니다. UMB Financial의 자기자본이익률은 11.7%이고 순이익률은 32.6%입니다.핵심 정보15.21%순이익 성장률4.78%주당순이익(EPS) 성장률Banks 산업 성장률21.39%매출 성장률15.42%자기자본이익률11.74%순이익률32.60%최근 순이익 업데이트30 Jun 2026최근 과거 실적 업데이트Reported Earnings • Jul 29Second quarter 2026 earnings released: EPS: US$3.58 (vs US$2.84 in 2Q 2025)Second quarter 2026 results: EPS: US$3.58 (up from US$2.84 in 2Q 2025). Revenue: US$750.0m (up 13% from 2Q 2025). Net income: US$271.8m (up 26% from 2Q 2025). Profit margin: 36% (up from 32% in 2Q 2025). The increase in margin was driven by higher revenue. Revenue is forecast to grow 7.4% p.a. on average during the next 3 years, compared to a 6.6% growth forecast for the Banks industry in Italy.공고 • Jul 09UMB Financial Corporation to Report Q2, 2026 Results on Jul 28, 2026UMB Financial Corporation announced that they will report Q2, 2026 results After-Market on Jul 28, 2026공고 • Apr 09UMB Financial Corporation to Report Q1, 2026 Results on Apr 28, 2026UMB Financial Corporation announced that they will report Q1, 2026 results After-Market on Apr 28, 2026공고 • Jan 28+ 1 more updateUMB Financial Corporation Announces Net Charge-Offs for the Fourth Quarter Ended December 31, 2025UMB Financial Corporation announced net charge-offs for the fourth quarter ended December 31, 2025. For the quarter, the company reported net charge-offs totaled $12,654,000 against $8,935,000 a year ago.공고 • Jan 08UMB Financial Corporation to Report Q4, 2025 Results on Jan 27, 2026UMB Financial Corporation announced that they will report Q4, 2025 results After-Market on Jan 27, 2026공고 • Oct 29+ 1 more updateUMB Financial Corporation Reports Net Charge Offs for the Third Quarter Ended September 30, 2025UMB Financial Corporation reported net charge offs for the third quarter ended September 30, 2025. For the quarter, the company reported net charge offs of $18,383,000 against $8,454,000 reported a year ago.모든 업데이트 보기Recent updatesRecent Insider Transactions • 3hExecutive VP & Chief Credit Officer recently sold €749k worth of stockOn the 17th of August, Thomas Terry sold around 6k shares on-market at roughly €131 per share. This transaction amounted to 17% of their direct individual holding at the time of the trade. In the last 3 months, there was an even bigger sale from another insider worth €1.9m. Insiders have been net sellers, collectively disposing of €11m more than they bought in the last 12 months.Recent Insider Transactions • Aug 07Chairman & CEO recently sold €1.9m worth of stockOn the 4th of August, J. Kemper sold around 15k shares on-market at roughly €129 per share. This transaction amounted to less than 1% of their direct individual holding at the time of the trade. This was the largest sale by an insider in the last 3 months. J. has been a net seller over the last 12 months, reducing personal holdings by €8.1m.공고 • Jul 30UMB Financial Corporation Declares Quarterly Dividend on the Common Stock, Payable on October 1, 2026UMB Financial Corporation announced that the board of directors has declared the following dividend: A quarterly dividend of $0.50 per share on the company’s common stock (UMBF), payable on October 1, 2026, to shareholders of record as of September 10, 2026, representing an increase of 16.3%.Reported Earnings • Jul 29Second quarter 2026 earnings released: EPS: US$3.58 (vs US$2.84 in 2Q 2025)Second quarter 2026 results: EPS: US$3.58 (up from US$2.84 in 2Q 2025). Revenue: US$750.0m (up 13% from 2Q 2025). Net income: US$271.8m (up 26% from 2Q 2025). Profit margin: 36% (up from 32% in 2Q 2025). The increase in margin was driven by higher revenue. Revenue is forecast to grow 7.4% p.a. on average during the next 3 years, compared to a 6.6% growth forecast for the Banks industry in Italy.공고 • Jul 09UMB Financial Corporation to Report Q2, 2026 Results on Jul 28, 2026UMB Financial Corporation announced that they will report Q2, 2026 results After-Market on Jul 28, 2026New Risk • Jun 26New minor risk - Share price stabilityThe company's share price has been volatile over the past 3 months. It is more volatile than 75% of Italian stocks, typically moving 6.2% a week. This is considered a minor risk. Share price volatility indicates the stock is highly sensitive to market conditions or economic conditions rather than being sensitive to its own business performance, which may also be inconsistent. It also increases the risk of potential losses in the short term as the stock tends to have larger drops in price more frequently than other stocks. Currently, the following risks have been identified for the company: Minor Risks Share price has been volatile over the past 3 months (6.2% average weekly change). Significant insider selling over the past 3 months (€990k sold).Recent Insider Transactions • Jun 17President & Vice Chairman recently sold €946k worth of stockOn the 9th of June, James Rine sold around 8k shares on-market at roughly €115 per share. This transaction amounted to 20% of their direct individual holding at the time of the trade. This was the largest sale by an insider in the last 3 months. James has been a net seller over the last 12 months, reducing personal holdings by €1.3m.Upcoming Dividend • Jun 03Upcoming dividend of US$0.43 per shareEligible shareholders must have bought the stock before 09 June 2026. Payment date: 01 July 2026. Payout ratio is a comfortable 15% and this is well supported by cash flows. Trailing yield: 1.4%. Lower than top quartile of Italian dividend payers (4.7%). Lower than average of industry peers (5.8%).Declared Dividend • May 20Dividend of US$0.43 announcedShareholders will receive a dividend of US$0.43. Ex-date: 9th June 2026 Payment date: 1st July 2026 Dividend yield will be 1.0%, which is lower than the industry average of 5.8%. Sustainability & Growth Dividend is well covered by earnings (15% payout ratio) and is expected to be well covered in 3 years' time (13% forecast payout ratio). The dividend has increased by an average of 6.2% per year over the past 10 years and has been stable with no material reductions to payments, indicating a long track record of dividend growth and stability. EPS is expected to grow by 34% over the next 3 years, which should provide support to the dividend and adequate earnings cover.공고 • Apr 29UMB Financial Corporation Declares Quarterly Dividend on the Company’s Common Stock, Payable on July 1, 2026UMB Financial Corporation announced that the board of directors has declared the quarterly dividend of $0.43 per share on the company’s common stock (UMBF), payable on July 1, 2026, to shareholders of record as of June 10, 2026.공고 • Apr 09UMB Financial Corporation to Report Q1, 2026 Results on Apr 28, 2026UMB Financial Corporation announced that they will report Q1, 2026 results After-Market on Apr 28, 2026공고 • Mar 14UMB Financial Corporation, Annual General Meeting, Apr 28, 2026UMB Financial Corporation, Annual General Meeting, Apr 28, 2026.Declared Dividend • Mar 06Dividend of US$0.43 announcedShareholders will receive a dividend of US$0.43. Ex-date: 9th March 2026 Payment date: 1st April 2026 Dividend yield will be 1.2%, which is lower than the industry average of 5.8%. Sustainability & Growth Dividend is well covered by earnings (17% payout ratio) and is expected to be well covered in 3 years' time (11% forecast payout ratio). The dividend has increased by an average of 6.2% per year over the past 10 years and has been stable with no material reductions to payments, indicating a long track record of dividend growth and stability. EPS is expected to grow by 36% over the next 2 years, which should provide support to the dividend and adequate earnings cover.공고 • Jan 28+ 1 more updateUMB Financial Corporation Announces Net Charge-Offs for the Fourth Quarter Ended December 31, 2025UMB Financial Corporation announced net charge-offs for the fourth quarter ended December 31, 2025. For the quarter, the company reported net charge-offs totaled $12,654,000 against $8,935,000 a year ago.공고 • Jan 08UMB Financial Corporation to Report Q4, 2025 Results on Jan 27, 2026UMB Financial Corporation announced that they will report Q4, 2025 results After-Market on Jan 27, 2026공고 • Oct 29+ 1 more updateUMB Financial Corporation Reports Net Charge Offs for the Third Quarter Ended September 30, 2025UMB Financial Corporation reported net charge offs for the third quarter ended September 30, 2025. For the quarter, the company reported net charge offs of $18,383,000 against $8,454,000 reported a year ago.공고 • Oct 08UMB Financial Corporation to Report Q3, 2025 Results on Oct 28, 2025UMB Financial Corporation announced that they will report Q3, 2025 results After-Market on Oct 28, 2025공고 • Jul 30+ 1 more updateUMB Financial Corporation Reports Net Charge Offs for the Second Quarter Ended June 30, 2025UMB Financial Corporation reported net charge offs for the second quarter ended June 30, 2025. Net charge-offs for the second quarter totaled $15.5 million, or 0.17% of average loans, compared to $35.9 million, or 0.45% of average loans in the linked quarter, and $2.9 million, or 0.05% of average loans for the second quarter of 2024. Approximately $6.5 million of the net charge-offs in the second quarter of 2025 were related to loans acquired from HTLF as compared to $29.7 million of the net charge-offs in the first quarter of 2025.공고 • Jul 09UMB Financial Corporation to Report Q2, 2025 Results on Jul 29, 2025UMB Financial Corporation announced that they will report Q2, 2025 results After-Market on Jul 29, 2025매출 및 비용 세부 내역UMB Financial가 돈을 벌고 사용하는 방법. 최근 발표된 LTM 실적 기준.순이익 및 매출 추이BIT:1UMBF 매출, 비용 및 순이익 (USD Millions)날짜매출순이익일반관리비연구개발비30 Jun 262,8149171,357031 Mar 262,7328611,348031 Dec 252,4986851,362030 Sep 252,2205951,252030 Jun 251,9495241,134031 Mar 251,6574101,032031 Dec 241,568441912030 Sep 241,524392881030 Jun 241,486379860031 Mar 241,461368851031 Dec 231,421350846030 Sep 231,412379849030 Jun 231,401371852031 Mar 231,438418826031 Dec 221,430432808030 Sep 221,389410797030 Jun 221,372416778031 Mar 221,293366772031 Dec 211,263353764030 Sep 211,360431756030 Jun 211,319409750031 Mar 211,287383756031 Dec 201,161287743030 Sep 201,024197739030 Jun 201,007186730031 Mar 20990182716031 Dec 191,065244717030 Sep 19993203693030 Jun 19974198684031 Mar 19957196669031 Dec 18941196657030 Sep 18979218654030 Jun 18967209644031 Mar 18957199642031 Dec 17941183635030 Sep 17917179618030 Jun 17899170613031 Mar 17883161603031 Dec 16865154597030 Sep 16865140602030 Jun 16866123619031 Mar 16861117624031 Dec 1576797569030 Sep 158441136190양질의 수익: 1UMBF는 고품질 수익을 보유하고 있습니다.이익 마진 증가: 1UMBF의 현재 순 이익률 (32.6%)은 지난해 (26.9%)보다 높습니다.잉여현금흐름 대비 순이익 분석과거 순이익 성장 분석수익추이: 1UMBF의 수익은 지난 5년 동안 연평균 15.2% 증가했습니다.성장 가속화: 지난 1년간 1UMBF 의 수익 증가율(74.9%)은 연간 평균(15.2%)을 초과합니다.수익 대 산업: 1UMBF의 지난 1년 수익 증가율(74.9%)은 Banks 업계의 3.9%를 상회했습니다.자기자본이익률높은 ROE: 1UMBF의 자본 수익률(11.7%)은 낮음으로 평가됩니다.총자산이익률투하자본수익률우수한 과거 실적 기업을 찾아보세요7D1Y7D1Y7D1YBanks 산업에서 과거 실적이 우수한 기업.View Financial Health기업 분석 및 재무 데이터 상태데이터최종 업데이트 (UTC 시간)기업 분석2026/08/19 00:28종가2026/08/19 00:00수익2026/06/30연간 수익2025/12/31데이터 소스당사의 기업 분석에 사용되는 데이터는 S&P Global Market Intelligence LLC에서 제공됩니다. 아래 데이터는 이 보고서를 생성하기 위해 분석 모델에서 사용됩니다. 데이터는 정규화되므로 소스가 제공된 후 지연이 발생할 수 있습니다.패키지데이터기간미국 소스 예시 *기업 재무제표10년손익계산서현금흐름표대차대조표SEC 양식 10-KSEC 양식 10-Q분석가 컨센서스 추정치+3년재무 예측분석가 목표주가분석가 리서치 보고서Blue Matrix시장 가격30년주가배당, 분할 및 기타 조치ICE 시장 데이터SEC 양식 S-1지분 구조10년주요 주주내부자 거래SEC 양식 4SEC 양식 13D경영진10년리더십 팀이사회SEC 양식 10-KSEC 양식 DEF 14A주요 개발10년회사 공시SEC 양식 8-K* 미국 증권에 대한 예시이며, 비(非)미국 증권에는 해당 국가의 규제 서식 및 자료원을 사용합니다.별도로 명시되지 않는 한 모든 재무 데이터는 연간 기간을 기준으로 하지만 분기별로 업데이트됩니다. 이를 TTM(최근 12개월) 또는 LTM(지난 12개월) 데이터라고 합니다. 자세히 알아보기.분석 모델 및 스노우플레이크이 보고서를 생성하는 데 사용된 분석 모델의 세부 정보는 당사의 GitHub 페이지에서 확인하실 수 있습니다. 또한 보고서 사용 방법에 대한 가이드와 YouTube 튜토리얼도 제공하고 있습니다.Simply Wall St 분석 모델을 설계하고 구축한 세계적 수준의 팀에 대해 알아보세요.산업 및 섹터 지표산업 및 섹터 지표는 Simply Wall St가 6시간마다 계산하며, 프로세스에 대한 자세한 내용은 Github에서 확인할 수 있습니다.분석가 소스UMB Financial Corporation는 17명의 분석가가 다루고 있습니다. 이 중 12명의 분석가가 우리 보고서에 입력 데이터로 사용되는 매출 또는 수익 추정치를 제출했습니다. 분석가의 제출 자료는 하루 종일 업데이트됩니다.분석가기관Jared David ShawBarclaysBrandon BermanBofA Global ResearchBenjamin GerlingerCitigroup Inc14명의 분석가 더 보기
Reported Earnings • Jul 29Second quarter 2026 earnings released: EPS: US$3.58 (vs US$2.84 in 2Q 2025)Second quarter 2026 results: EPS: US$3.58 (up from US$2.84 in 2Q 2025). Revenue: US$750.0m (up 13% from 2Q 2025). Net income: US$271.8m (up 26% from 2Q 2025). Profit margin: 36% (up from 32% in 2Q 2025). The increase in margin was driven by higher revenue. Revenue is forecast to grow 7.4% p.a. on average during the next 3 years, compared to a 6.6% growth forecast for the Banks industry in Italy.
공고 • Jul 09UMB Financial Corporation to Report Q2, 2026 Results on Jul 28, 2026UMB Financial Corporation announced that they will report Q2, 2026 results After-Market on Jul 28, 2026
공고 • Apr 09UMB Financial Corporation to Report Q1, 2026 Results on Apr 28, 2026UMB Financial Corporation announced that they will report Q1, 2026 results After-Market on Apr 28, 2026
공고 • Jan 28+ 1 more updateUMB Financial Corporation Announces Net Charge-Offs for the Fourth Quarter Ended December 31, 2025UMB Financial Corporation announced net charge-offs for the fourth quarter ended December 31, 2025. For the quarter, the company reported net charge-offs totaled $12,654,000 against $8,935,000 a year ago.
공고 • Jan 08UMB Financial Corporation to Report Q4, 2025 Results on Jan 27, 2026UMB Financial Corporation announced that they will report Q4, 2025 results After-Market on Jan 27, 2026
공고 • Oct 29+ 1 more updateUMB Financial Corporation Reports Net Charge Offs for the Third Quarter Ended September 30, 2025UMB Financial Corporation reported net charge offs for the third quarter ended September 30, 2025. For the quarter, the company reported net charge offs of $18,383,000 against $8,454,000 reported a year ago.
Recent Insider Transactions • 3hExecutive VP & Chief Credit Officer recently sold €749k worth of stockOn the 17th of August, Thomas Terry sold around 6k shares on-market at roughly €131 per share. This transaction amounted to 17% of their direct individual holding at the time of the trade. In the last 3 months, there was an even bigger sale from another insider worth €1.9m. Insiders have been net sellers, collectively disposing of €11m more than they bought in the last 12 months.
Recent Insider Transactions • Aug 07Chairman & CEO recently sold €1.9m worth of stockOn the 4th of August, J. Kemper sold around 15k shares on-market at roughly €129 per share. This transaction amounted to less than 1% of their direct individual holding at the time of the trade. This was the largest sale by an insider in the last 3 months. J. has been a net seller over the last 12 months, reducing personal holdings by €8.1m.
공고 • Jul 30UMB Financial Corporation Declares Quarterly Dividend on the Common Stock, Payable on October 1, 2026UMB Financial Corporation announced that the board of directors has declared the following dividend: A quarterly dividend of $0.50 per share on the company’s common stock (UMBF), payable on October 1, 2026, to shareholders of record as of September 10, 2026, representing an increase of 16.3%.
Reported Earnings • Jul 29Second quarter 2026 earnings released: EPS: US$3.58 (vs US$2.84 in 2Q 2025)Second quarter 2026 results: EPS: US$3.58 (up from US$2.84 in 2Q 2025). Revenue: US$750.0m (up 13% from 2Q 2025). Net income: US$271.8m (up 26% from 2Q 2025). Profit margin: 36% (up from 32% in 2Q 2025). The increase in margin was driven by higher revenue. Revenue is forecast to grow 7.4% p.a. on average during the next 3 years, compared to a 6.6% growth forecast for the Banks industry in Italy.
공고 • Jul 09UMB Financial Corporation to Report Q2, 2026 Results on Jul 28, 2026UMB Financial Corporation announced that they will report Q2, 2026 results After-Market on Jul 28, 2026
New Risk • Jun 26New minor risk - Share price stabilityThe company's share price has been volatile over the past 3 months. It is more volatile than 75% of Italian stocks, typically moving 6.2% a week. This is considered a minor risk. Share price volatility indicates the stock is highly sensitive to market conditions or economic conditions rather than being sensitive to its own business performance, which may also be inconsistent. It also increases the risk of potential losses in the short term as the stock tends to have larger drops in price more frequently than other stocks. Currently, the following risks have been identified for the company: Minor Risks Share price has been volatile over the past 3 months (6.2% average weekly change). Significant insider selling over the past 3 months (€990k sold).
Recent Insider Transactions • Jun 17President & Vice Chairman recently sold €946k worth of stockOn the 9th of June, James Rine sold around 8k shares on-market at roughly €115 per share. This transaction amounted to 20% of their direct individual holding at the time of the trade. This was the largest sale by an insider in the last 3 months. James has been a net seller over the last 12 months, reducing personal holdings by €1.3m.
Upcoming Dividend • Jun 03Upcoming dividend of US$0.43 per shareEligible shareholders must have bought the stock before 09 June 2026. Payment date: 01 July 2026. Payout ratio is a comfortable 15% and this is well supported by cash flows. Trailing yield: 1.4%. Lower than top quartile of Italian dividend payers (4.7%). Lower than average of industry peers (5.8%).
Declared Dividend • May 20Dividend of US$0.43 announcedShareholders will receive a dividend of US$0.43. Ex-date: 9th June 2026 Payment date: 1st July 2026 Dividend yield will be 1.0%, which is lower than the industry average of 5.8%. Sustainability & Growth Dividend is well covered by earnings (15% payout ratio) and is expected to be well covered in 3 years' time (13% forecast payout ratio). The dividend has increased by an average of 6.2% per year over the past 10 years and has been stable with no material reductions to payments, indicating a long track record of dividend growth and stability. EPS is expected to grow by 34% over the next 3 years, which should provide support to the dividend and adequate earnings cover.
공고 • Apr 29UMB Financial Corporation Declares Quarterly Dividend on the Company’s Common Stock, Payable on July 1, 2026UMB Financial Corporation announced that the board of directors has declared the quarterly dividend of $0.43 per share on the company’s common stock (UMBF), payable on July 1, 2026, to shareholders of record as of June 10, 2026.
공고 • Apr 09UMB Financial Corporation to Report Q1, 2026 Results on Apr 28, 2026UMB Financial Corporation announced that they will report Q1, 2026 results After-Market on Apr 28, 2026
공고 • Mar 14UMB Financial Corporation, Annual General Meeting, Apr 28, 2026UMB Financial Corporation, Annual General Meeting, Apr 28, 2026.
Declared Dividend • Mar 06Dividend of US$0.43 announcedShareholders will receive a dividend of US$0.43. Ex-date: 9th March 2026 Payment date: 1st April 2026 Dividend yield will be 1.2%, which is lower than the industry average of 5.8%. Sustainability & Growth Dividend is well covered by earnings (17% payout ratio) and is expected to be well covered in 3 years' time (11% forecast payout ratio). The dividend has increased by an average of 6.2% per year over the past 10 years and has been stable with no material reductions to payments, indicating a long track record of dividend growth and stability. EPS is expected to grow by 36% over the next 2 years, which should provide support to the dividend and adequate earnings cover.
공고 • Jan 28+ 1 more updateUMB Financial Corporation Announces Net Charge-Offs for the Fourth Quarter Ended December 31, 2025UMB Financial Corporation announced net charge-offs for the fourth quarter ended December 31, 2025. For the quarter, the company reported net charge-offs totaled $12,654,000 against $8,935,000 a year ago.
공고 • Jan 08UMB Financial Corporation to Report Q4, 2025 Results on Jan 27, 2026UMB Financial Corporation announced that they will report Q4, 2025 results After-Market on Jan 27, 2026
공고 • Oct 29+ 1 more updateUMB Financial Corporation Reports Net Charge Offs for the Third Quarter Ended September 30, 2025UMB Financial Corporation reported net charge offs for the third quarter ended September 30, 2025. For the quarter, the company reported net charge offs of $18,383,000 against $8,454,000 reported a year ago.
공고 • Oct 08UMB Financial Corporation to Report Q3, 2025 Results on Oct 28, 2025UMB Financial Corporation announced that they will report Q3, 2025 results After-Market on Oct 28, 2025
공고 • Jul 30+ 1 more updateUMB Financial Corporation Reports Net Charge Offs for the Second Quarter Ended June 30, 2025UMB Financial Corporation reported net charge offs for the second quarter ended June 30, 2025. Net charge-offs for the second quarter totaled $15.5 million, or 0.17% of average loans, compared to $35.9 million, or 0.45% of average loans in the linked quarter, and $2.9 million, or 0.05% of average loans for the second quarter of 2024. Approximately $6.5 million of the net charge-offs in the second quarter of 2025 were related to loans acquired from HTLF as compared to $29.7 million of the net charge-offs in the first quarter of 2025.
공고 • Jul 09UMB Financial Corporation to Report Q2, 2025 Results on Jul 29, 2025UMB Financial Corporation announced that they will report Q2, 2025 results After-Market on Jul 29, 2025