NASDAQ : UMBF
UMB Financial Corporation — Financial statements
Financials · Banks - Regional · United States
Last price 133.66 USD (Oct 30, 2026, 11:07 AM EDT) · Market cap 10.15B
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Financial statements
Income statement
Fiscal year January - December; amounts in USD.
| TTM | FY2025 | FY2024 | FY2023 | FY2022 | FY2021 | |
|---|---|---|---|---|---|---|
| Interest Income on Loans | 2.59B | 2.42B | 1.61B | 1.40B | 810.01M | 619.27M |
| Interest Income on Investments | 927.56M | 939.00M | 558.06M | 438.74M | 327.51M | 242.25M |
| Total Interest Income | 3.52B | 3.35B | 2.17B | 1.84B | 1.14B | 861.52M |
| Interest Paid on Deposits | 1.24B | 1.34B | 982.30M | 704.21M | 167.55M | 26.41M |
| Interest Paid on Borrowings | 154.68M | 155.53M | 187.81M | 214.38M | 56.17M | 19.59M |
| Total Interest Expense | 1.39B | 1.49B | 1.17B | 918.59M | 223.72M | 46.00M |
| Net Interest Income | 2.13B | 1.86B | 1.00B | 920.12M | 913.80M | 815.52M |
| Trust Income | 389.42M | 343.40M | 290.57M | 257.20M | 237.21M | 224.13M |
| Income From Trading Activities | 24.52M | 25.30M | 24.23M | 19.63M | 23.20M | 30.94M |
| Gain (Loss) on Sale of Assets | -105.00K | -105.00K | 3.20M | 4.34M | 3.06M | 2.67M |
| Gain (Loss) on Sale of Investments | 43.30M | 30.97M | 10.72M | -3.14M | 58.44M | 5.06M |
| Other Non-Interest Income | 305.66M | 277.28M | 214.89M | 178.87M | 147.15M | 118.33M |
| Total Non-Interest Income | 881.05M | 790.05M | 628.12M | 541.85M | 554.23M | 467.18M |
| Revenues Before Loan Losses | 3.01B | 2.65B | 1.63B | 1.46B | 1.47B | 1.28B |
| Provision for Loan Losses | 111.00M | 154.50M | 61.05M | 41.23M | 37.90M | 20.00M |
| Revenue | 2.90B | 2.50B | 1.57B | 1.42B | 1.43B | 1.26B |
| Salaries and Employee Benefits | 855.35M | 846.14M | 571.33M | 534.73M | 502.94M | 483.23M |
| Occupancy Expenses | 62.90M | 57.12M | 37.04M | 37.40M | 36.95M | 47.34M |
| Federal Deposit Insurance | 29.45M | 28.75M | 31.90M | 77.01M | 15.38M | 11.89M |
| Amortization of Goodwill & Intangibles | 95.62M | 93.52M | 7.71M | 8.59M | 5.04M | 4.76M |
| Selling, General & Administrative | 432.84M | 458.60M | 303.88M | 274.19M | 268.26M | 233.09M |
| Other Non-Interest Expense | 129.38M | 138.67M | 74.83M | 67.23M | 69.56M | 53.31M |
| Total Non-Interest Expense | 1.61B | 1.62B | 1.03B | 999.14M | 898.12M | 833.64M |
| EBT Excluding Unusual Items | 1.29B | 874.96M | 541.27M | 421.60M | 532.01M | 429.06M |
| Pretax Income | 1.29B | 874.96M | 541.27M | 421.60M | 532.01M | 429.06M |
| Income Tax Expense | 261.46M | 172.56M | 100.03M | 71.58M | 100.33M | 76.04M |
| Earnings From Continuing Operations | 1.03B | 702.40M | 441.24M | 350.02M | 431.68M | 353.02M |
| Net Income | 1.03B | 702.40M | 441.24M | 350.02M | 431.68M | 353.02M |
| Preferred Dividends & Other Adjustments | 23.25M | 17.78M | ||||
| Net Income to Common | 1.01B | 684.62M | 441.24M | 350.02M | 431.68M | 353.02M |
| Basic Shares Outstanding | 75.99M | 73.26M | 48.75M | 48.50M | 48.34M | 48.27M |
| Diluted Shares Outstanding | 76.47M | 73.67M | 49.06M | 48.76M | 48.75M | 48.74M |
| EPS (Basic) | 13.28 | 9.35 | 9.05 | 7.22 | 8.93 | 7.31 |
| EPS (Diluted) | 13.20 | 9.29 | 8.99 | 7.18 | 8.86 | 7.24 |
| Dividend Per Share | 1.79 | 1.63 | 1.57 | 1.53 | 1.49 | 1.38 |
| Effective Tax Rate | 20.21% | 19.72% | 18.48% | 16.98% | 18.86% | 17.72% |
Balance sheet
Fiscal year January - December; amounts in USD.
| TTM | FY2025 | FY2024 | FY2023 | FY2022 | FY2021 | |
|---|---|---|---|---|---|---|
| Cash & Equivalents | 1.67B | 1.00B | 573.17M | 452.25M | 507.68M | 413.82M |
| Investment Securities | 9.36B | 10.91B | 7.29B | 7.12B | 7.30B | 6.64B |
| Trading Asset Securities | 335.20M | 303.66M | 262.98M | 179.59M | 66.10M | 89.56M |
| Mortgage-Backed Securities | 10.37B | 10.68B | 6.94B | 6.36B | 6.95B | 8.36B |
| Total Investments | 20.07B | 21.90B | 14.50B | 13.66B | 14.31B | 15.09B |
| Gross Loans | 42.53B | 38.78B | 25.64B | 23.17B | 21.03B | 17.17B |
| Allowance for Loan Losses | -452.41M | -419.48M | -259.09M | -219.74M | -191.84M | -194.77M |
| Net Loans | 42.08B | 38.36B | 25.38B | 22.95B | 20.84B | 16.98B |
| Property, Plant & Equipment | 398.42M | 451.38M | 252.24M | 261.29M | 272.56M | 275.28M |
| Goodwill | 1.84B | 1.84B | 207.38M | 207.38M | 207.38M | 174.52M |
| Other Intangible Assets | 416.71M | 497.26M | 80.78M | 101.42M | 124.41M | 67.17M |
| Loans Held for Sale | 3.28M | 2.03M | 2.76M | 4.42M | 1.98M | 1.28M |
| Accrued Interest Receivable | 346.11M | 349.64M | 246.09M | 220.31M | 189.23M | 131.10M |
| Other Receivables | 119.30M | 116.10M | 100.20M | 86.60M | 76.10M | 73.60M |
| Restricted Cash | 3.89B | 6.82B | 7.88B | 5.08B | 1.06B | 8.80B |
| Long-Term Deferred Tax Assets | 279.14M | 244.04M | 222.20M | 248.43M | ||
| Other Real Estate Owned & Foreclosed | 3.39M | 4.80M | 28.39M | 1.74M | 68.00K | |
| Other Long-Term Assets | 1.91B | 1.48B | 918.19M | 759.15M | 674.64M | 686.93M |
| Total Assets | 72.74B | 73.09B | 50.41B | 44.01B | 38.51B | 42.69B |
| Accrued Expenses | 395.44M | 429.63M | 364.32M | 384.77M | 236.54M | 224.80M |
| Interest Bearing Deposits | 44.06B | 41.69B | 28.37B | 22.88B | 18.84B | 18.81B |
| Institutional Deposits | 1.52B | 1.83B | 1.16B | 780.69M | 538.05M | 447.98M |
| Non-Interest Bearing Deposits | 14.59B | 17.14B | 13.62B | 12.13B | 13.26B | 16.34B |
| Total Deposits | 60.17B | 60.66B | 43.14B | 35.79B | 32.64B | 35.60B |
| Short-Term Borrowings | 3.48B | 3.46B | 2.72B | 4.02B | 2.35B | 3.25B |
| Current Portion of Leases | 18.12M | |||||
| Other Current Liabilities | 17.46M | 4.05M | 7.10M | 8.02M | 3.50M | 3.20M |
| Long-Term Debt | 109.57M | 254.19M | 308.51M | 307.63M | 306.76M | 198.33M |
| Long-Term Leases | 54.53M | 55.10M | 58.90M | 63.50M | 64.60M | |
| Trust Preferred Securities | 223.54M | 220.03M | 76.78M | 75.61M | 74.55M | 73.21M |
| Long-Term Deferred Tax Liabilities | 22.10M | |||||
| Other Long-Term Liabilities | 488.34M | 301.77M | 272.13M | 258.73M | 172.88M | 109.51M |
| Total Liabilities | 64.89B | 65.40B | 46.94B | 40.91B | 35.85B | 39.55B |
| Preferred Stock, Non-Redeemable | 294.07M | 294.07M | ||||
| Total Preferred Equity | 294.07M | 294.07M | ||||
| Common Stock | 78.67M | 78.67M | 55.06M | 55.06M | 55.06M | 55.06M |
| Additional Paid-In Capital | 4.03B | 4.01B | 1.15B | 1.13B | 1.13B | 1.11B |
| Retained Earnings | 4.43B | 3.74B | 3.17B | 2.81B | 2.54B | 2.18B |
| Treasury Stock | -184.01M | -165.10M | -336.05M | -342.89M | -347.26M | -323.46M |
| Comprehensive Income & Other | -793.25M | -261.52M | -573.05M | -556.93M | -702.74M | 126.31M |
| Total Common Equity | 7.56B | 7.40B | 3.47B | 3.10B | 2.67B | 3.15B |
| Shareholders' Equity | 7.85B | 7.69B | 3.47B | 3.10B | 2.67B | 3.15B |
| Total Liabilities & Equity | 72.74B | 73.09B | 50.41B | 44.01B | 38.51B | 42.69B |
| Total Debt | 3.81B | 4.01B | 3.16B | 4.47B | 2.79B | 3.59B |
| Net Cash (Debt) | -1.40B | -1.08B | -1.67B | -3.52B | -1.15B | -1.83B |
| Net Cash Per Share | -18.37 | -14.70 | -33.95 | -72.10 | -23.51 | -37.50 |
| Filing Date Shares Outstanding | 75.95M | 76.14M | 72.59M | 48.74M | 48.50M | 48.46M |
| Total Common Shares Outstanding | 75.95M | 75.96M | 48.81M | 48.55M | 48.32M | 48.43M |
| Book Value Per Share | 99.52 | 97.41 | 71.02 | 63.85 | 55.20 | 64.95 |
| Tangible Book Value | 5.30B | 5.06B | 3.18B | 2.79B | 2.34B | 2.90B |
| Tangible Book Value Per Share | 69.84 | 66.65 | 65.11 | 57.49 | 48.33 | 59.96 |
Cash flow statement
Fiscal year January - December; amounts in USD.
| TTM | FY2025 | FY2024 | FY2023 | FY2022 | FY2021 | |
|---|---|---|---|---|---|---|
| Net Income | 1.03B | 702.40M | 441.24M | 350.02M | 431.68M | 353.02M |
| Depreciation & Amortization | 142.29M | 141.77M | 52.77M | 58.72M | 54.02M | 55.75M |
| Other Amortization | 427.00K | 745.00K | 876.00K | 876.00K | 556.00K | 450.00K |
| Gain (Loss) on Sale of Assets | 2.74M | 105.00K | -3.20M | -4.34M | -3.06M | -2.67M |
| Gain (Loss) on Sale of Investments | -211.86M | -180.48M | 37.18M | 46.24M | -11.92M | 48.95M |
| Provision for Credit Losses | 111.00M | 154.50M | 61.05M | 41.23M | 37.90M | 20.00M |
| Net Decrease (Increase) in Loans Originated / Sold - Operating | 3.06M | 3.47M | 3.94M | -749.00K | 494.00K | 10.56M |
| Accrued Interest Receivable | -14.46M | -29.27M | -24.59M | -31.07M | -58.22M | 4.59M |
| Change in Other Net Operating Assets | 21.75M | 109.42M | -337.67M | 15.24M | 290.22M | 50.41M |
| Other Operating Activities | 61.48M | 89.03M | -26.61M | -20.55M | 7.59M | -23.05M |
| Operating Cash Flow | 1.19B | 1.03B | 225.29M | 472.60M | 769.55M | 534.08M |
| Capital Expenditures | -45.29M | -48.58M | -20.01M | -23.10M | -51.72M | -33.69M |
| Sale of Property, Plant and Equipment | 6.73M | 3.90M | ||||
| Cash Acquisitions | -109.05M | -793.00K | ||||
| Investment in Securities | -490.00M | -1.45B | -418.21M | 199.50M | -654.63M | -3.44B |
| Divestitures | -874.00K | 169.26M | 548.62M | 18.43M | ||
| Net Decrease (Increase) in Loans Originated / Sold - Investing | -4.75B | -3.25B | -2.42B | -2.16B | -3.95B | -1.12B |
| Other Investing Activities | -223.65M | -1.04B | -299.66M | 710.25M | 257.76M | 333.98M |
| Investing Cash Flow | -5.51B | -5.62B | -3.26B | -1.27B | -3.85B | -4.24B |
| Short-Term Debt Issued | 692.59M | 990.07M | 32.86B | 922.94M | ||
| Long-Term Debt Issued | 110.00M | |||||
| Total Debt Issued | 486.34M | 692.59M | 990.07M | 32.86B | 110.00M | 922.94M |
| Short-Term Debt Repaid | -2.30B | -31.16B | -1.02B | |||
| Long-Term Debt Repaid | -200.00M | |||||
| Total Debt Repaid | -237.63M | -200.00M | -2.30B | -31.16B | -1.02B | |
| Net Debt Issued (Repaid) | 248.71M | 492.59M | -1.31B | 1.70B | -906.27M | 922.94M |
| Issuance of Common Stock | 1.74M | 236.45M | 4.68M | 2.46M | 2.14M | 19.05M |
| Repurchase of Common Stock | -37.98M | -17.63M | -7.74M | -8.37M | -32.00M | -5.51M |
| Preferred Stock Issued | 294.07M | |||||
| Preferred Share Repurchases | -115.00M | |||||
| Common Dividends Paid | -135.62M | -135.62M | -77.13M | -74.25M | -72.03M | -66.75M |
| Net Increase (Decrease) in Deposit Accounts | 33.50M | 3.16B | 7.35B | 3.15B | -3.57B | 8.55B |
| Other Financing Activities | -524.00K | -1.41M | -2.13M | |||
| Financing Cash Flow | 83.47M | 3.92B | 5.96B | 4.77B | -4.58B | 9.42B |
| Net Cash Flow | -4.24B | -676.72M | 2.92B | 3.97B | -7.66B | 5.72B |
| Free Cash Flow | 1.14B | 978.11M | 205.28M | 449.50M | 717.84M | 500.39M |
| Free Cash Flow Margin | 39.38% | 39.16% | 13.09% | 31.64% | 50.19% | 39.63% |
| Free Cash Flow Per Share | 14.93 | 13.28 | 4.18 | 9.22 | 14.73 | 10.27 |
| Cash Interest Paid | 1.40B | 1.47B | 1.20B | 844.40M | 196.48M | 47.11M |
| Cash Income Tax Paid | 136.47M | 63.24M | 76.93M | 79.33M | 101.95M | 92.58M |
Ratios
Fiscal year January - December; amounts in USD.
| TTM | FY2025 | FY2024 | FY2023 | FY2022 | FY2021 | |
|---|---|---|---|---|---|---|
| Market Capitalization | 10.44B | 8.74B | 5.51B | 4.05B | 4.04B | 5.13B |
| Last Close Price | 134.47 | 113.83 | 110.04 | 80.12 | 78.39 | 97.94 |
| PE Ratio | 10.41 | 12.76 | 12.48 | 11.58 | 9.35 | 14.54 |
| PS Ratio | 3.57 | 3.50 | 3.51 | 2.85 | 2.82 | 4.06 |
| PB Ratio | 1.35 | 1.14 | 1.59 | 1.31 | 1.51 | 1.63 |
| P/FCF Ratio | 9.06 | 8.93 | 26.83 | 9.02 | 5.62 | 10.26 |
| P/OCF Ratio | 8.71 | 8.51 | 24.45 | 8.58 | 5.24 | 9.61 |
| Debt / Equity Ratio | 0.49 | 0.52 | 0.91 | 1.44 | 1.05 | 1.14 |
| Debt / FCF Ratio | 3.34 | 4.10 | 15.38 | 9.94 | 3.89 | 7.17 |
| Net Debt / Equity Ratio | 0.18 | 0.14 | 0.48 | 1.13 | 0.43 | 0.58 |
| Net Debt / FCF Ratio | 1.23 | 1.11 | 8.11 | 7.82 | 1.60 | 3.65 |
| Return on Equity (ROE) | 13.50% | 12.59% | 13.44% | 12.14% | 14.85% | 11.46% |
| Return on Assets (ROA) | 1.43% | 1.14% | 0.94% | 0.85% | 1.06% | 0.93% |
| Earnings Yield | 9.60% | 8.04% | 8.01% | 8.63% | 10.70% | 6.88% |
| FCF Yield | 11.04% | 11.19% | 3.73% | 11.09% | 17.79% | 9.75% |
| Dividend Yield | 1.46% | 1.42% | 1.39% | 1.83% | 1.78% | 1.30% |
| Payout Ratio | 14.09% | 19.31% | 17.48% | 21.21% | 16.69% | 18.91% |
| Buyback Yield / Dilution | -14.35% | -50.17% | -0.60% | -0.03% | -0.02% | -0.82% |
| Total Shareholder Return | -12.88% | -48.76% | 0.79% | 1.80% | 1.76% | 0.49% |