UMB Financial Q4 Profit Rises, Net Income Up 7.8% to $98.4M

UMB Financial Corp (UMBF) reported a 7.8% increase in quarterly net income to $98.4 million for Q4 2025, driven by higher net interest income and growth in fee-based revenue. Earnings per diluted share reached $2.02, up from $1.87 in the prior-year quarter. Net interest income rose 6.2% to $241.6 million, while noninterest income increased 8.5% to $145.1 million. The Kansas City-based bank attributed the performance to strong loan growth and improved deposit margins. Full-year 2025 net income reached $394.2 million, representing a 10.3% increase over 2024 results.