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 Q1.

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 91 regional banks stocks we track reported a slower Q1. As a group, revenues were in line with analysts’ consensus estimates.

Thankfully, share prices of the companies have been resilient as they are up 7.8% on average since the latest earnings results.

Best Q1: 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 $744.8 million, up 29.3% year on year. This print exceeded analysts’ expectations by 5.4%. Overall, it was an exceptional quarter for the company with a beat of analysts’ EPS and net interest income estimates.

“Our first quarter results are a continuation of the strong business momentum we are seeing across our lines of businesses,” said Mariner Kemper, UMB Financial Corporation chairman and chief executive officer.

UMB Financial scored the biggest analyst estimate beat of the whole group. Unsurprisingly, the stock is up 15.6% since reporting and currently trades at $144.91.

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

OFG Bancorp (NYSE: OFG)

Originally founded in 1964 as a federal savings and loan institution, OFG Bancorp (NYSE: OFG) provides banking and financial services including commercial and consumer lending, wealth management, insurance, and trust services primarily in Puerto Rico and the U.S. Virgin Islands.

OFG Bancorp reported revenues of $185.8 million, up 4.2% year on year, outperforming analysts’ expectations by 4.8%. The business had an exceptional quarter with a beat of analysts’ EPS and net interest income estimates.

The market seems happy with the results as the stock is up 15% since reporting. It currently trades at $48.92.

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

Weakest Q1: 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 $273.8 million, up 6.1% year on year, falling short of analysts’ expectations by 5.1%. It was a disappointing quarter as it posted a significant miss of analysts’ net interest income and EPS estimates.

Interestingly, the stock is up 5.3% since the results and currently trades at $49.26.

Read our full analysis of BankUnited’s results here.

First Financial Bancorp (NASDAQ: FFBC)

Tracing its roots back to 1863 during the Civil War era, First Financial Bancorp (NASDAQ: FFBC) is a bank holding company that provides commercial banking, lending, deposit services, and wealth management to individuals and businesses.

First Financial Bancorp reported revenues of $265.8 million, up 26.1% year on year. This number surpassed analysts’ expectations by 3.1%. Overall, it was a very strong quarter as it also logged a solid beat of analysts’ tangible book value per share estimates and a beat of analysts’ EPS estimates.

The stock is up 13.1% since reporting and currently trades at $33.78.

Read our full, actionable report on First Financial Bancorp here, it’s free.

Fifth Third Bancorp (NASDAQ: FITB)

Named after the merger of Third National Bank and Fifth National Bank in 1908, Fifth Third Bancorp (NASDAQ: FITB) is a financial services company that provides banking, lending, wealth management, and investment services to individuals and businesses across the Midwest and Southeast.

Fifth Third Bancorp reported revenues of $2.86 billion, up 32.2% year on year. This print was in line with analysts’ expectations. More broadly, it was a slower quarter as it produced EPS in line with analysts’ estimates and a slight miss of analysts’ tangible book value per share estimates.

The stock is up 14.5% since reporting and currently trades at $56.68.

Read our full, actionable report on Fifth Third Bancorp here, it’s free.

Market Update

Late in 2025 into early 2026, there was hand-wringing around artificial intelligence. For software companies, the fear was that AI would erode pricing power and compress margins as new tools made it easier to replicate what once required expensive enterprise platforms. Crypto investors had their own version of the same anxiety: if AI agents could trade, allocate capital, and manage wallets autonomously, what exactly was the long-term value of today’s crypto infrastructure?

These concerns triggered a noticeable rotation away from these sectors and into safer havens. But markets rarely dwell on one narrative for long. Spring 2026 came, and the focus shifted abruptly from technological disruption to geopolitical risk. The US’ conflict with Iran became the dominant driver of market psychology, and when geopolitics takes center stage, the script changes quickly. Investors stop debating growth rates and start worrying about oil supply, inflation, and global stability.

Want to invest in winners with rock-solid fundamentals? Check out our Top 5 Growth Stocks and add them to your watchlist. These companies are poised for growth regardless of the political or macroeconomic climate.