Q4 Earnings Highlights: UMB Financial (NASDAQ:UMBF) Vs The Rest Of The Regional Banks Stocks

The end of an earnings season can be a great time to discover new stocks and assess how companies are handling the current business environment. Let’s take a look at how UMB Financial (NASDAQ:UMBF) and the rest of the regional banks stocks fared in Q4.

Regional banks, financial institutions operating within specific geographic areas, serve as intermediaries between local depositors and borrowers. They benefit from rising interest rates that improve net interest margins (the difference between loan yields and deposit costs), digital transformation reducing operational expenses, and local economic growth driving loan demand. However, these banks face headwinds from fintech competition, deposit outflows to higher-yielding alternatives, credit deterioration (increasing loan defaults) during economic slowdowns, and regulatory compliance costs. Recent concerns about regional bank stability following high-profile failures and significant commercial real estate exposure present additional challenges.

The 95 regional banks stocks we track reported a satisfactory Q4. As a group, revenues beat analysts’ consensus estimates by 1.5%.

In light of this news, share prices of the companies have held steady as they are up 4.1% on average since the latest earnings results.

UMB Financial (NASDAQ:UMBF)

With roots dating back to 1913 and a name derived from "United Missouri Bank," UMB Financial (NASDAQ:UMBF) is a financial holding company that provides banking, asset management, and fund services to commercial, institutional, and individual customers.

UMB Financial reported revenues of $727.5 million, up 67.5% year on year. This print exceeded analysts’ expectations by 7%. Overall, it was an exceptional quarter for the company with a solid beat of analysts’ net interest income estimates and an impressive beat of analysts’ revenue estimates.

Interestingly, the stock is up 3.1% since reporting and currently trades at $128.77.

We think UMB Financial is a good business, but is it a buy today? Read our full report here, it’s free.

Best Q4: Merchants Bancorp (NASDAQ:MBIN)

With a strategic focus on low-risk, government-backed lending programs, Merchants Bancorp (NASDAQCM:MBIN) is an Indiana-based bank holding company specializing in multi-family mortgage banking, mortgage warehousing, and traditional banking services.

Merchants Bancorp reported revenues of $185.3 million, down 4.4% year on year, outperforming analysts’ expectations by 7.8%. The business had a stunning quarter with a beat of analysts’ EPS estimates and a solid beat of analysts’ net interest income estimates.

The market seems happy with the results as the stock is up 36.3% since reporting. It currently trades at $47.63.

Is now the time to buy Merchants Bancorp? Access our full analysis of the earnings results here, it’s free.

Weakest Q4: The Bancorp (NASDAQ:TBBK)

Operating behind the scenes of many popular fintech apps and prepaid cards you might use daily, The Bancorp (NASDAQ:TBBK) is a bank holding company that specializes in providing banking services to fintech companies and offering specialty lending products.

The Bancorp reported revenues of $172.7 million, up 8.2% year on year, falling short of analysts’ expectations by 11%. It was a disappointing quarter as it posted a significant miss of analysts’ tangible book value per share estimates and a significant miss of analysts’ revenue estimates.

As expected, the stock is down 17% since the results and currently trades at $58.57.

Read our full analysis of The Bancorp’s results here.

BankUnited (NYSE:BKU)

Born from the ashes of a failed Florida thrift during the 2009 financial crisis, BankUnited (NYSE:BKU) is a regional bank that provides commercial lending, deposit services, and treasury solutions to businesses and consumers primarily in Florida and the New York metropolitan area.

BankUnited reported revenues of $291.6 million, up 9.1% year on year. This result beat analysts’ expectations by 3.5%. It was a strong quarter as it also logged a solid beat of analysts’ revenue estimates and a decent beat of analysts’ net interest income estimates.

The stock is up 5% since reporting and currently trades at $48.73.

Read our full, actionable report on BankUnited here, it’s free.

Citizens Financial Group (NYSE:CFG)

Tracing its roots back to 1828 as a community-focused institution, Citizens Financial Group (NYSE:CFG) is a regional bank that provides retail and commercial banking services to individuals, small businesses, and large corporations across 14 states.

Citizens Financial Group reported revenues of $2.16 billion, up 9.2% year on year. This print topped analysts’ expectations by 0.7%. More broadly, it was a mixed quarter as it also produced a narrow beat of analysts’ revenue estimates but a miss of analysts’ tangible book value per share estimates.

The stock is up 8.8% since reporting and currently trades at $65.05.

Read our full, actionable report on Citizens Financial Group here, it’s free.

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