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UMB Financial (UMBF) Financials

UMB Financial logo
$121.59 +6.40 (+5.56%)
Closing price 08/22/2025 04:00 PM Eastern
Extended Trading
$121.24 -0.36 (-0.29%)
As of 08/22/2025 07:08 PM Eastern
Extended trading is trading that happens on electronic markets outside of regular trading hours. This is a fair market value extended hours price provided by Polygon.io. Learn more.
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Annual Income Statements for UMB Financial

Annual Income Statements for UMB Financial

This table shows UMB Financial's income and expenses over time, based on annual financial data. All values are USD millions unless otherwise specified.

Metric 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024
Period end date 12/31/2015 12/31/2016 12/31/2017 12/31/2018 12/31/2019 12/31/2020 12/31/2021 12/31/2022 12/31/2023 12/31/2024
Net Income / (Loss) Attributable to Common Shareholders		 116 159 247 196 244 287 353 432 350 441
Consolidated Net Income / (Loss)		 116 159 247 196 244 287 353 432 350 441
Net Income / (Loss) Continuing Operations		 97 154 183 196 244 287 353 432 350 441
Total Pre-Tax Income 		128 199 236 224 286 339 429 532 422 541
Total Revenue		 783 898 982 1,012 1,098 1,291 1,283 1,468 1,462 1,629
Net Interest Income / (Expense)		 412 495 559 610 671 731 816 914 920 1,001
Total Interest Income		 431 523 617 732 863 808 862 1,138 1,839 2,171
Loans and Leases Interest Income		 308 386 461 559 638 586 619 810 1,400 1,613
Investment Securities Interest Income		 119 131 147 158 196 206 226 289 317 357
Deposits and Money Market Investments Interest Income		 2.36 2.34 3.87 7.91 13 3.74 5.42 19 103 182
Federal Funds Sold and Securities Borrowed Interest Income		 0.70 2.71 3.70 4.81 14 12 10 19 18 18
Trading Account Interest Income		 0.38 0.63 1.50 2.15 2.21 1.43 0.85 0.51 0.73 1.35
Total Interest Expense		 19 28 58 122 192 77 46 224 919 1,170
Deposits Interest Expense		 14 18 36 92 154 58 26 168 704 982
Federal Funds Purchased and Securities Sold Interest Expense		 1.79 6.52 18 25 33 12 6.93 41 93 107
Other Interest Expense		 2.56 3.25 3.74 4.68 5.24 7.26 13 15 121 81
Total Non-Interest Income		 371 403 424 402 427 560 467 554 542 628
Trust Fees by Commissions		 178 - - 172 177 195 224 237 257 291
Service Charges on Deposit Accounts		 - - - 84 83 84 86 85 85 85
Other Service Charges		 174 29 34 126 141 128 121 150 183 218
Net Realized & Unrealized Capital Gains on Investments		 -1.79 8.51 4.19 3.52 2.25 121 5.06 58 -3.14 11
Investment Banking Income		 20 21 23 16 23 33 31 23 20 24
Provision for Credit Losses		 16 33 41 71 33 131 20 38 41 61
Total Non-Interest Expense		 639 667 705 718 779 822 834 898 999 1,027
Salaries and Employee Benefits		 368 390 414 419 461 495 504 524 553 594
Net Occupancy & Equipment Expense		 106 111 116 120 127 133 126 123 117 111
Marketing Expense		 22 21 21 24 26 15 19 26 26 28
Property & Liability Insurance Claims		 26 21 23 30 32 30 32 39 30 46
Other Operating Expenses		 109 115 123 118 127 142 148 181 264 239
Amortization Expense		 8.17 8.70 7.33 5.76 5.51 6.52 4.76 5.04 8.59 7.71
Income Tax Expense		 32 45 53 27 42 52 76 100 72 100
Basic Earnings per Share		 $2.46 $3.25 $5.02 $3.97 $4.99 $5.95 $7.31 $8.93 $7.22 $9.05
Weighted Average Basic Shares Outstanding		 47.13M 48.83M 49.22M 49.33M 48.78M 48.14M 48.27M 48.34M 48.50M 48.75M
Diluted Earnings per Share		 $2.44 $3.22 $4.96 $3.93 $4.96 $5.93 $7.24 $8.86 $7.18 $8.99
Weighted Average Diluted Shares Outstanding		 47.58M 49.28M 49.84M 49.77M 49.09M 48.34M 48.74M 48.75M 48.76M 49.06M
Weighted Average Basic & Diluted Shares Outstanding		 47.20M 48.90M 49.20M 49.05M 49.09M 48.18M 48.46M 48.50M 48.74M 72.59M
Cash Dividends to Common per Share		 $0.95 $0.99 $1.04 $1.17 $1.21 $1.25 $1.38 $1.49 $1.53 $1.57

Quarterly Income Statements for UMB Financial

This table shows UMB Financial's income and expenses over time, based on quarterly financial data. All values are USD millions unless otherwise specified.

Metric Q3 2022 Q4 2022 Q1 2023 Q2 2023 Q3 2023 Q4 2023 Q1 2024 Q2 2024 Q3 2024 Q4 2024 Q1 2025
Period end date 9/30/2022 12/31/2022 3/31/2023 6/30/2023 9/30/2023 12/31/2023 3/31/2024 6/30/2024 9/30/2024 12/31/2024 3/31/2025
Net Income / (Loss) Attributable to Common Shareholders		 88 100 92 90 97 71 110 101 110 120 79
Consolidated Net Income / (Loss)		 88 100 92 90 97 71 110 101 110 120 81
Net Income / (Loss) Continuing Operations		 88 100 92 90 97 71 110 101 110 120 81
Total Pre-Tax Income 		109 124 112 110 119 81 134 127 136 145 93
Total Revenue		 362 371 372 364 356 371 399 390 406 434 564
Net Interest Income / (Expense)		 233 245 242 226 222 231 239 245 247 269 398
Total Interest Income		 300 367 409 461 472 497 520 538 558 555 738
Loans and Leases Interest Income		 217 274 308 343 367 381 386 400 416 411 527
Investment Securities Interest Income		 75 77 78 80 79 80 86 87 88 96 128
Deposits and Money Market Investments Interest Income		 2.55 9.37 16 34 21 32 45 47 48 42 75
Federal Funds Sold and Securities Borrowed Interest Income		 6.06 7.11 5.65 3.89 4.57 3.54 3.06 3.67 4.99 5.90 6.95
Trading Account Interest Income		 0.07 0.14 0.13 0.15 0.21 0.23 0.31 0.42 0.29 0.33 0.37
Total Interest Expense		 67 122 167 236 250 266 281 293 310 286 340
Deposits Interest Expense		 48 97 128 171 192 214 224 241 263 255 303
Federal Funds Purchased and Securities Sold Interest Expense		 15 19 23 25 23 22 28 28 27 24 26
Other Interest Expense		 3.69 5.31 16 40 35 30 29 25 21 6.95 11
Total Non-Interest Income		 129 125 130 138 133 140 159 145 159 165 166
Trust Fees by Commissions		 60 59 62 62 67 67 69 70 74 77 80
Service Charges on Deposit Accounts		 20 20 21 21 21 21 21 22 20 21 27
Other Service Charges		 45 42 47 49 42 46 54 49 55 60 58
Net Realized & Unrealized Capital Gains on Investments		 -1.35 -0.41 -5.32 0.90 0.27 1.01 9.37 -1.87 2.62 0.59 -4.78
Investment Banking Income		 5.39 5.25 5.31 4.80 3.77 5.75 5.46 5.46 7.12 6.19 5.91
Provision for Credit Losses		 22 9.00 23 13 4.98 - 10 14 18 19 86
Total Non-Interest Expense		 231 238 237 241 231 290 255 249 252 270 385
Salaries and Employee Benefits		 136 136 142 143 133 134 143 143 147 161 221
Net Occupancy & Equipment Expense		 31 31 30 29 29 29 29 27 28 27 33
Marketing Expense		 6.67 8.79 5.34 7.12 6.63 6.66 6.03 6.60 6.82 9.00 8.00
Property & Liability Insurance Claims		 10 11 7.29 7.06 7.23 8.42 7.89 17 9.52 12 29
Other Operating Expenses		 46 49 50 52 53 110 67 54 59 60 76
Amortization Expense		 1.09 1.65 2.30 2.12 2.12 2.05 1.96 1.91 1.92 1.92 17
Income Tax Expense		 21 24 19 20 23 9.88 24 26 26 25 12
Preferred Stock Dividends Declared		 - - - - - - - - - - 2.01
Basic Earnings per Share		 $1.82 $2.07 $1.91 $1.86 $1.99 $1.46 $2.27 $2.08 $2.25 $2.45 $1.22
Weighted Average Basic Shares Outstanding		 48.30M 48.34M 48.44M 48.51M 48.53M 48.50M 48.66M 48.74M 48.78M 48.75M 65.06M
Diluted Earnings per Share		 $1.81 $2.05 $1.90 $1.85 $1.98 $1.45 $2.25 $2.07 $2.23 $2.44 $1.21
Weighted Average Diluted Shares Outstanding		 48.65M 48.75M 48.75M 48.67M 48.76M 48.76M 48.92M 48.97M 49.08M 49.06M 65.50M
Weighted Average Basic & Diluted Shares Outstanding		 48.31M 48.50M 48.51M 48.52M 48.53M 48.74M 48.74M 48.75M 48.80M 72.59M 75.92M
Cash Dividends to Common per Share		 $0.37 $0.38 $0.38 $0.38 $0.38 $0.39 $0.39 $0.39 $0.39 $0.40 $0.40

Annual Cash Flow Statements for UMB Financial

This table details how cash moves in and out of UMB Financial's business through operations, investing, and financing, using annual figures. All values are USD millions unless otherwise specified.

Metric 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024
Period end date 12/31/2015 12/31/2016 12/31/2017 12/31/2018 12/31/2019 12/31/2020 12/31/2021 12/31/2022 12/31/2023 12/31/2024
Net Change in Cash & Equivalents		 -968 245 652 -42 -4.95 1,828 5,717 -7,657 3,970 2,920
Net Cash From Operating Activities		 212 296 327 296 340 374 534 770 473 225
Net Cash From Continuing Operating Activities		 212 299 327 296 340 374 534 770 473 225
Net Income / (Loss) Continuing Operations		 116 159 247 196 244 287 353 432 350 441
Consolidated Net Income / (Loss)		 116 159 247 196 244 287 353 432 350 441
Provision For Loan Losses		 16 33 41 71 33 131 20 38 41 61
Depreciation Expense		 53 55 55 53 56 63 56 54 59 53
Amortization Expense		 57 54 46 42 34 45 54 47 44 49
Non-Cash Adjustments to Reconcile Net Income		 3.91 -11 -38 -22 24 -99 -4.14 -33 -5.50 -16
Changes in Operating Assets and Liabilities, net		 -34 9.24 -25 -44 -50 -51 55 232 -16 -362
Net Cash From Investing Activities		 -1,330 -1,502 -479 -1,747 -2,985 -4,491 -4,235 -3,845 -1,273 -3,263
Net Cash From Continuing Investing Activities		 -1,330 -1,502 -479 -1,747 -2,985 -4,491 -4,235 -3,845 -1,273 -3,263
Purchase of Property, Leasehold Improvements and Equipment		 -54 -51 -36 -58 -72 -60 -34 -52 -27 -24
Purchase of Investment Securities		 -3,568 -4,183 -2,656 -2,486 -3,812 -7,344 -7,047 -6,215 -3,997 -10,771
Sale of Property, Leasehold Improvements and Equipment		 1.07 1.76 3.04 5.38 5.54 8.57 3.90 6.73 3.81 4.20
Divestitures		 95 0.00 165 -8.91 -18 0.02 18 549 -0.79 -109
Sale and/or Maturity of Investments		 2,240 2,880 1,913 1,238 1,868 3,019 2,404 1,608 2,035 7,937
Net Increase in Fed Funds Sold		 -45 -151 133 -435 -951 -72 434 258 713 -300
Net Cash From Financing Activities		 150 1,451 804 1,409 2,640 5,946 9,418 -4,581 4,771 5,958
Net Cash From Continuing Financing Activities		 150 1,451 804 1,409 2,640 5,946 9,418 -4,581 4,771 5,958
Net Change in Deposits		 542 1,479 1,452 1,273 2,322 5,448 -24 -3,571 3,154 -946
Issuance of Debt		 2.50 1.50 3.00 0.00 0.00 215 0.00 110 32,856 500
Issuance of Common Equity		 12 17 14 12 4.64 5.19 19 2.14 2.46 4.69
Repayment of Debt		 -123 -17 -1.52 0.00 0.00 -17 0.00 -2.13 -31,056 -2,300
Repurchase of Common Equity		 -8.46 -16 -15 -77 -4.50 -64 -5.51 -32 -8.37 -7.74
Payment of Dividends		 -46 -49 -52 -58 -59 -60 -67 -72 -74 -77
Other Financing Activities, Net		 -229 36 -596 258 378 419 9,496 -1,016 -103 8,784
Cash Interest Paid		 18 28 57 115 190 84 47 196 844 1,205
Cash Income Taxes Paid		 47 44 46 63 2.25 34 93 102 79 77

Quarterly Cash Flow Statements for UMB Financial

This table details how cash moves in and out of UMB Financial's business through operations, investing, and financing, using quarterly figures. All values are USD millions unless otherwise specified.

Metric Q3 2022 Q4 2022 Q1 2023 Q2 2023 Q3 2023 Q4 2023 Q1 2024 Q2 2024 Q3 2024 Q4 2024 Q1 2025
Period end date 9/30/2022 12/31/2022 3/31/2023 6/30/2023 9/30/2023 12/31/2023 3/31/2024 6/30/2024 9/30/2024 12/31/2024 3/31/2025
Net Change in Cash & Equivalents		 -106 -453 1,965 216 188 1,601 1,415 -1,927 2,261 1,172 2,161
Net Cash From Operating Activities		 219 144 1.70 154 232 85 56 112 124 -67 363
Net Cash From Continuing Operating Activities		 219 144 1.70 154 232 85 56 112 124 -67 363
Net Income / (Loss) Continuing Operations		 88 100 92 90 97 71 110 101 110 120 81
Consolidated Net Income / (Loss)		 88 100 92 90 97 71 110 101 110 120 81
Provision For Loan Losses		 22 9.00 23 13 4.98 - 10 14 18 19 86
Depreciation Expense		 14 14 15 15 15 14 14 13 13 13 29
Amortization Expense		 12 11 11 12 11 10 6.92 8.53 8.33 25 -21
Non-Cash Adjustments to Reconcile Net Income		 -7.62 2.63 5.36 -20 7.90 0.75 -31 15 -6.95 6.76 25
Changes in Operating Assets and Liabilities, net		 91 7.31 -146 44 97 -11 -53 -40 -18 -250 162
Net Cash From Investing Activities		 -389 -937 -42 -398 -145 -689 158 -1,114 -588 -1,718 663
Net Cash From Continuing Investing Activities		 -389 -937 -42 -398 -145 -689 158 -1,114 -588 -1,718 663
Purchase of Property, Leasehold Improvements and Equipment		 -17 -17 -9.43 -7.66 -6.04 -3.78 -2.38 -5.69 -5.96 -10 -8.82
Purchase of Investment Securities		 -992 -1,313 -1,045 -1,421 -499 -1,032 -3,019 -4,434 -1,309 -2,009 -1,490
Sale of Property, Leasehold Improvements and Equipment		 -0.21 0.30 0.07 4.30 -0.29 -0.27 2.54 -0.00 1.66 - 0.23
Divestitures		 - 291 0.00 -0.79 - - -111 2.08 -0.34 - 175
Sale and/or Maturity of Investments		 290 314 432 992 298 312 3,239 3,393 889 417 2,078
Net Increase in Fed Funds Sold		 339 -242 590 48 72 2.86 65 -67 -152 -146 -91
Net Cash From Financing Activities		 64 340 2,006 460 100 2,205 1,200 -925 2,725 2,957 1,135
Net Cash From Continuing Financing Activities		 64 340 2,006 460 100 2,205 1,200 -925 2,725 2,957 1,135
Net Change in Deposits		 -3,722 450 1,765 -884 -89 2,361 -430 -561 -20 65 1,029
Issuance of Common Equity		 0.31 0.80 0.43 0.57 0.27 1.19 0.28 0.13 3.29 0.99 236
Repayment of Debt		 -2.03 -0.10 -10,481 -19,725 -350 -500 0.00 -1,000 -250 -1,050 -11
Repurchase of Common Equity		 - -0.19 -7.90 - -0.19 -0.27 -7.54 - -0.20 - -15
Payment of Dividends		 -18 -18 -18 -18 -18 -19 -19 -20 -19 -20 -30
Other Financing Activities, Net		 3,695 -92 -2,534 2,362 -293 362 1,657 155 3,011 3,961 -73
Cash Interest Paid		 60 105 165 206 207 266 269 318 293 325 327
Cash Income Taxes Paid		 25 22 1.51 48 18 12 1.33 55 20 0.85 1.73

Annual Balance Sheets for UMB Financial

This table presents UMB Financial's assets and liabilities at the end of each period, using annual balance sheet data. All values are USD millions unless otherwise specified.

Metric 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024
Period end date 12/31/2015 12/31/2016 12/31/2017 12/31/2018 12/31/2019 12/31/2020 12/31/2021 12/31/2022 12/31/2023 12/31/2024
Total Assets		 19,094 20,683 21,772 23,351 26,561 33,128 42,693 38,512 44,012 50,410
Cash and Due from Banks		 458 422 393 645 473 431 414 501 447 573
Federal Funds Sold		 174 324 192 627 1,578 1,650 1,216 959 245 545
Interest Bearing Deposits at Other Banks		 523 716 1,352 1,048 1,225 3,110 8,842 1,179 5,160 7,986
Trading Account Securities		 7,504 7,627 7,575 7,778 7,501 9,341 12,010 7,026 7,091 7,806
Loans and Leases, Net of Allowance		 9,350 10,449 11,180 12,075 13,330 15,888 16,976 20,839 -220 -259
Allowance for Loan and Lease Losses		 81 92 101 104 102 216 195 192 220 259
Accrued Investment Income		 90 99 99 110 125 140 131 189 220 246
Premises and Equipment, Net		 281 289 276 284 300 293 271 264 242 222
Goodwill		 228 181 181 181 181 181 175 207 207 207
Intangible Assets		 47 27 20 15 28 21 14 79 71 64
Other Assets		 439 549 505 589 1,821 2,072 2,645 7,269 30,548 33,020
Total Liabilities & Shareholders' Equity		 19,094 20,683 21,772 23,351 26,561 33,128 42,693 38,512 44,012 50,410
Total Liabilities		 17,201 18,720 19,590 21,123 23,955 30,111 39,548 35,845 40,911 46,943
Non-Interest Bearing Deposits		 6,307 6,655 6,839 6,680 6,944 9,880 16,343 13,260 12,131 13,617
Interest Bearing Deposits		 8,786 9,916 11,184 12,601 14,659 17,171 19,257 19,379 23,662 29,525
Federal Funds Purchased and Securities Sold		 1,818 1,857 1,261 1,519 1,897 2,315 3,238 2,222 2,120 2,610
Short-Term Debt		 5.01 - - - - - - 0.00 1,800 0.00
Other Short-Term Payables		 161 173 191 178 232 320 - 240 390 368
Long-Term Debt		 86 77 79 83 70 270 272 381 383 385
Other Long-Term Liabilities		 37 43 36 62 153 155 438 363 426 438
Total Equity & Noncontrolling Interests		 1,894 1,962 2,182 2,228 2,606 3,017 3,145 2,667 3,100 3,467
Total Preferred & Common Equity		 1,894 1,962 2,182 2,228 2,606 3,017 3,145 2,667 3,100 3,467
Total Common Equity		 1,894 1,962 2,182 2,228 2,606 3,017 3,145 2,667 3,100 3,467
Common Stock		 1,075 1,088 1,101 1,110 1,129 1,146 1,166 1,181 1,189 1,201
Retained Earnings		 1,034 1,143 1,338 1,488 1,672 1,891 2,177 2,536 2,811 3,175
Treasury Stock		 -212 -211 -212 -274 -278 -338 -323 -347 -343 -336
Accumulated Other Comprehensive Income / (Loss)		 -3.72 -58 -46 -96 83 318 126 -703 -557 -573

Quarterly Balance Sheets for UMB Financial

This table presents UMB Financial's assets and liabilities at the end of each period, using quarterly balance sheet data. All values are USD millions unless otherwise specified.

Metric Q3 2022 Q1 2023 Q2 2023 Q3 2023 Q1 2024 Q2 2024 Q3 2024 Q1 2025
Period end date 9/30/2022 3/31/2023 6/30/2023 9/30/2023 3/31/2024 6/30/2024 9/30/2024 3/31/2025
Total Assets		 37,581 40,607 41,243 41,465 45,343 44,469 47,496 69,347
Cash and Due from Banks		 371 472 432 455 357 465 778 917
Federal Funds Sold		 717 368 320 248 180 247 399 636
Interest Bearing Deposits at Other Banks		 1,768 3,121 3,370 3,556 6,673 4,640 6,602 9,812
Trading Account Securities		 7,146 6,929 6,701 6,358 6,586 7,141 7,057 10,936
Loans and Leases, Net of Allowance		 19,699 21,602 22,261 22,660 23,411 -239 -249 -369
Allowance for Loan and Lease Losses		 185 211 222 221 226 239 249 369
Accrued Investment Income		 154 182 190 209 221 238 219 308
Premises and Equipment, Net		 261 261 255 249 232 227 222 391
Goodwill		 182 207 207 207 207 207 207 1,798
Intangible Assets		 13 76 75 73 69 67 66 557
Other Assets		 7,271 7,388 7,431 7,449 7,406 31,476 32,195 44,360
Total Liabilities & Shareholders' Equity		 37,581 40,607 41,243 41,465 45,343 44,469 47,496 69,347
Total Liabilities		 35,058 37,793 38,411 38,658 42,191 41,242 43,961 62,599
Non-Interest Bearing Deposits		 13,877 12,489 12,143 11,255 13,251 12,035 12,841 18,432
Interest Bearing Deposits		 17,929 19,443 21,378 22,177 23,663 24,483 26,862 40,089
Federal Funds Purchased and Securities Sold		 2,314 2,161 2,051 1,758 2,225 2,217 2,023 2,560
Short-Term Debt		 - 2,800 1,800 2,300 1,800 1,300 1,050 0.00
Other Short-Term Payables		 211 - 257 319 375 - 387 352
Long-Term Debt		 382 382 382 383 384 384 385 654
Other Long-Term Liabilities		 344 518 401 467 493 823 413 511
Total Equity & Noncontrolling Interests		 2,524 2,815 2,832 2,807 3,153 3,227 3,535 6,748
Total Preferred & Common Equity		 2,524 2,815 2,832 2,807 3,153 3,227 3,535 6,748
Preferred Stock		 - - - - - - - 111
Total Common Equity		 2,524 2,815 2,832 2,807 3,153 3,227 3,535 6,638
Common Stock		 1,176 1,176 1,180 1,183 1,183 1,187 1,193 4,072
Retained Earnings		 2,454 2,610 2,681 2,759 2,903 2,984 3,075 3,225
Treasury Stock		 -347 -344 -344 -344 -339 -339 -337 -167
Accumulated Other Comprehensive Income / (Loss)		 -759 -627 -686 -792 -595 -606 -396 -493

Annual Metrics And Ratios for UMB Financial

This table displays calculated financial ratios and metrics derived from UMB Financial's official financial filings.

Metric 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024
Period end date 12/31/2015 12/31/2016 12/31/2017 12/31/2018 12/31/2019 12/31/2020 12/31/2021 12/31/2022 12/31/2023 12/31/2024
Growth Metrics		 - - - - - - - - - -
Revenue Growth		 -7.78% 14.71% 9.43% 3.02% 8.45% 17.65% -0.67% 14.45% -0.41% 11.43%
EBITDA Growth		 -9.71% 29.06% 9.69% -5.54% 17.93% 18.76% 20.81% 17.40% -17.19% 22.61%
EBIT Growth		 -22.75% 54.80% 19.01% -5.40% 27.89% 18.51% 26.61% 23.99% -20.75% 28.38%
NOPAT Growth		 -19.97% 59.11% 19.10% 7.26% 24.12% 17.61% 23.22% 22.28% -18.92% 26.06%
Net Income Growth		 -3.80% 36.81% 55.61% -20.88% 24.60% 17.61% 23.22% 22.28% -18.92% 26.06%
EPS Growth		 -7.92% 31.97% 54.04% -20.77% 26.21% 19.56% 22.09% 22.38% -18.96% 25.21%
Operating Cash Flow Growth		 -13.74% 39.89% 10.15% -9.44% 14.96% 9.90% 42.96% 44.09% -38.59% -52.33%
Free Cash Flow Firm Growth		 -1,039.16% 142.12% -138.97% 477.28% -183.65% -164.79% 168.87% 259.51% -335.58% 199.35%
Invested Capital Growth		 20.10% 2.74% 10.87% 2.23% 15.82% 22.78% 3.97% -10.79% 73.33% -27.10%
Revenue Q/Q Growth		 -8.73% 9.79% 4.36% 0.00% 0.00% 12.18% -6.80% 2.90% 0.01% 4.05%
EBITDA Q/Q Growth		 -8.59% 13.33% 3.38% 230.45% 323.10% 36.97% -15.16% 4.13% -7.78% 13.73%
EBIT Q/Q Growth		 -17.97% 26.95% 5.67% 0.00% 0.00% 50.58% -17.77% 5.03% -9.26% 13.41%
NOPAT Q/Q Growth		 -14.83% 25.50% 3.40% 0.00% 0.00% 45.66% -18.06% 5.29% -7.71% 12.51%
Net Income Q/Q Growth		 2.38% 9.13% 38.76% 0.00% 0.00% 45.66% -18.06% 5.29% -7.71% 12.51%
EPS Q/Q Growth		 0.00% 9.52% 38.16% 0.00% 0.00% 46.06% -18.28% 5.35% -7.71% 12.38%
Operating Cash Flow Q/Q Growth		 -10.77% 42.37% -11.98% -3.47% 29.69% 2.47% 2.55% -3.42% -11.18% -40.26%
Free Cash Flow Firm Q/Q Growth		 7.08% 743.90% -138.91% 239.82% 66.90% -11.19% 20.21% -9.96% 14.50% 105.53%
Invested Capital Q/Q Growth		 -0.23% -2.90% 3.82% 1.28% 0.98% 4.73% 0.98% 4.93% -3.75% -22.50%
Profitability Metrics		 - - - - - - - - - -
EBITDA Margin		 30.45% 34.26% 34.34% 31.49% 34.24% 34.57% 42.04% 43.13% 35.86% 39.46%
EBIT Margin		 16.39% 22.12% 24.06% 22.09% 26.05% 26.24% 33.45% 36.24% 28.84% 33.23%
Profit (Net Income) Margin		 14.83% 17.69% 25.15% 19.32% 22.19% 22.19% 27.52% 29.41% 23.94% 27.09%
Tax Burden Percent		 90.48% 79.96% 104.55% 87.44% 85.19% 84.54% 82.28% 81.14% 83.02% 81.52%
Interest Burden Percent		 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00%
Effective Tax Rate		 24.73% 22.64% 22.58% 12.22% 14.81% 15.46% 17.72% 18.86% 16.98% 18.48%
Return on Invested Capital (ROIC)		 5.31% 7.64% 8.51% 8.59% 9.77% 9.61% 10.53% 13.35% 8.40% 9.66%
ROIC Less NNEP Spread (ROIC-NNEP)		 44.38% 13.79% 90.70% 7.66% 9.77% 9.61% 10.53% 13.35% 8.40% 9.66%
Return on Net Nonoperating Assets (RNNOA)		 1.25% 0.60% 3.42% 0.28% 0.31% 0.58% 0.92% 1.50% 3.74% 3.78%
Return on Equity (ROE)		 6.56% 8.24% 11.93% 8.87% 10.08% 10.19% 11.46% 14.85% 12.14% 13.44%
Cash Return on Invested Capital (CROIC)		 -12.96% 4.93% -1.80% 6.38% -4.89% -10.84% 6.64% 24.75% -45.25% 41.01%
Operating Return on Assets (OROA)		 0.70% 1.00% 1.11% 0.99% 1.15% 1.14% 1.13% 1.31% 1.02% 1.15%
Return on Assets (ROA)		 0.63% 0.80% 1.16% 0.87% 0.98% 0.96% 0.93% 1.06% 0.85% 0.93%
Return on Common Equity (ROCE)		 6.56% 8.24% 11.93% 8.87% 10.08% 10.19% 11.46% 14.85% 12.14% 13.44%
Return on Equity Simple (ROE_SIMPLE)		 6.13% 8.09% 11.33% 8.77% 9.35% 9.50% 11.22% 16.19% 11.29% 12.73%
Net Operating Profit after Tax (NOPAT)		 97 154 183 196 244 287 353 432 350 441
NOPAT Margin		 12.34% 17.11% 18.62% 19.39% 22.19% 22.19% 27.52% 29.41% 23.94% 27.09%
Net Nonoperating Expense Percent (NNEP)		 -39.07% -6.16% -82.19% 0.92% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
SG&A Expenses to Revenue		 63.30% 58.12% 56.16% 55.71% 55.99% 49.82% 50.57% 45.86% 47.63% 45.01%
Operating Expenses to Revenue		 81.63% 74.26% 71.77% 70.92% 70.96% 63.65% 64.99% 61.18% 68.34% 63.03%
Earnings before Interest and Taxes (EBIT)		 128 199 236 224 286 339 429 532 422 541
Earnings before Interest, Taxes, Depreciation and Amortization (EBITDA)		 238 308 337 319 376 446 539 633 524 643
Valuation Ratios		 - - - - - - - - - -
Price to Book Value (P/BV)		 1.04 1.71 1.46 1.23 1.19 1.03 1.56 1.46 1.29 1.59
Price to Tangible Book Value (P/TBV)		 1.22 1.91 1.61 1.35 1.29 1.11 1.65 1.63 1.41 1.72
Price to Revenue (P/Rev)		 2.53 3.73 3.24 2.71 2.83 2.41 3.81 2.65 2.73 3.38
Price to Earnings (P/E)		 17.04 21.08 12.90 14.05 12.73 10.87 13.86 9.00 11.39 12.48
Dividend Yield		 2.37% 1.47% 1.63% 2.12% 1.92% 1.93% 1.36% 1.85% 1.86% 1.39%
Earnings Yield		 5.87% 4.74% 7.75% 7.12% 7.86% 9.20% 7.22% 11.11% 8.78% 8.01%
Enterprise Value to Invested Capital (EV/IC)		 0.46 0.96 0.59 0.22 0.00 0.00 0.00 0.53 0.06 0.00
Enterprise Value to Revenue (EV/Rev)		 1.17 2.19 1.35 0.50 0.00 0.00 0.00 1.11 0.22 0.00
Enterprise Value to EBITDA (EV/EBITDA)		 3.84 6.38 3.95 1.60 0.00 0.00 0.00 2.57 0.61 0.00
Enterprise Value to EBIT (EV/EBIT)		 7.13 9.88 5.63 2.28 0.00 0.00 0.00 3.06 0.76 0.00
Enterprise Value to NOPAT (EV/NOPAT)		 9.47 12.78 7.28 2.60 0.00 0.00 0.00 3.77 0.91 0.00
Enterprise Value to Operating Cash Flow (EV/OCF)		 4.31 6.62 4.08 1.72 0.00 0.00 0.00 2.11 0.67 0.00
Enterprise Value to Free Cash Flow (EV/FCFF)		 0.00 19.78 0.00 3.49 0.00 0.00 0.00 2.03 0.00 0.00
Leverage & Solvency		 - - - - - - - - - -
Debt to Equity		 0.05 0.04 0.04 0.04 0.03 0.09 0.09 0.14 0.70 0.11
Long-Term Debt to Equity		 0.05 0.04 0.04 0.04 0.03 0.09 0.09 0.14 0.12 0.11
Financial Leverage		 0.03 0.04 0.04 0.04 0.03 0.06 0.09 0.11 0.44 0.39
Leverage Ratio		 10.35 10.32 10.24 10.23 10.32 10.61 12.30 13.97 14.31 14.38
Compound Leverage Factor		 10.35 10.32 10.24 10.23 10.32 10.61 12.30 13.97 14.31 14.38
Debt to Total Capital		 4.59% 3.76% 3.51% 3.58% 2.63% 8.20% 7.95% 12.51% 41.32% 10.00%
Short-Term Debt to Total Capital		 0.25% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 34.07% 0.00%
Long-Term Debt to Total Capital		 4.34% 3.76% 3.51% 3.58% 2.63% 8.20% 7.95% 12.51% 7.25% 10.00%
Preferred Equity to Total Capital		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
Noncontrolling Interests to Total Capital		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
Common Equity to Total Capital		 95.41% 96.24% 96.49% 96.42% 97.37% 91.80% 92.05% 87.49% 58.68% 90.00%
Debt to EBITDA		 0.38 0.25 0.24 0.26 0.19 0.60 0.50 0.60 4.16 0.60
Net Debt to EBITDA		 -4.46 -4.50 -5.50 -7.02 -8.53 -11.03 -18.92 -3.57 -7.00 -13.56
Long-Term Debt to EBITDA		 0.36 0.25 0.24 0.26 0.19 0.60 0.50 0.60 0.73 0.60
Debt to NOPAT		 0.94 0.50 0.43 0.42 0.29 0.94 0.77 0.88 6.24 0.87
Net Debt to NOPAT		 -11.02 -9.02 -10.15 -11.40 -13.16 -17.18 -28.90 -5.23 -10.48 -19.76
Long-Term Debt to NOPAT		 0.89 0.50 0.43 0.42 0.29 0.94 0.77 0.88 1.09 0.87
Noncontrolling Interest Sharing Ratio		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
Liquidity Ratios		 - - - - - - - - - -
Cash Flow Metrics		 - - - - - - - - - -
Free Cash Flow to Firm (FCFF)		 -236 99 -39 146 -122 -323 223 800 -1,885 1,873
Operating Cash Flow to CapEx		 402.17% 603.98% 977.33% 562.58% 509.06% 723.35% 1,793.00% 1,710.69% 2,045.55% 1,125.92%
Free Cash Flow to Firm to Interest Expense		 -12.66 3.58 -0.67 1.20 -0.64 -4.18 4.84 3.58 -2.05 1.60
Operating Cash Flow to Interest Expense		 11.38 10.70 5.63 2.43 1.77 4.84 11.61 3.44 0.51 0.19
Operating Cash Flow Less CapEx to Interest Expense		 8.55 8.93 5.05 2.00 1.42 4.17 10.96 3.24 0.49 0.18
Efficiency Ratios		 - - - - - - - - - -
Asset Turnover		 0.04 0.05 0.05 0.04 0.04 0.04 0.03 0.04 0.04 0.03
Fixed Asset Turnover		 2.90 3.15 3.48 3.62 3.76 4.35 4.55 5.49 5.79 7.03
Capital & Investment Metrics		 - - - - - - - - - -
Invested Capital		 1,985 2,039 2,261 2,311 2,677 3,287 3,417 3,048 5,284 3,852
Invested Capital Turnover		 0.43 0.45 0.46 0.44 0.44 0.43 0.38 0.45 0.35 0.36
Increase / (Decrease) in Invested Capital		 332 54 222 50 366 610 130 -369 2,235 -1,432
Enterprise Value (EV)		 914 1,963 1,331 509 -105 -1,807 -5,308 1,627 319 -3,212
Market Capitalization		 1,978 3,348 3,188 2,747 3,101 3,114 4,892 3,884 3,988 5,507
Book Value per Share		 $38.42 $39.59 $43.75 $44.68 $53.09 $62.81 $65.04 $55.21 $63.89 $71.04
Tangible Book Value per Share		 $32.83 $35.41 $39.71 $40.75 $48.85 $58.61 $61.14 $49.28 $58.15 $65.48
Total Capital		 1,985 2,039 2,261 2,311 2,677 3,287 3,417 3,048 5,284 3,852
Total Debt		 91 77 79 83 70 270 272 381 2,183 385
Total Long-Term Debt		 86 77 79 83 70 270 272 381 383 385
Net Debt		 -1,064 -1,385 -1,857 -2,237 -3,206 -4,921 -10,201 -2,257 -3,669 -8,719
Capital Expenditures (CapEx)		 53 49 33 53 67 52 30 45 23 20
Net Nonoperating Expense (NNE)		 -20 -5.17 -64 0.75 0.00 0.00 0.00 0.00 0.00 0.00
Net Nonoperating Obligations (NNO)		 91 77 79 83 70 270 272 381 2,183 385
Total Depreciation and Amortization (D&A)		 110 109 101 95 90 107 110 101 103 102
Earnings Adjustments		 - - - - - - - - - -
Adjusted Basic Earnings per Share		 $2.46 $3.25 $5.02 $3.97 $4.99 $5.95 $7.31 $8.93 $7.22 $9.05
Adjusted Weighted Average Basic Shares Outstanding		 47.13M 48.83M 49.22M 49.33M 48.78M 48.14M 48.27M 48.34M 48.50M 48.75M
Adjusted Diluted Earnings per Share		 $2.44 $3.22 $4.96 $3.93 $4.96 $5.93 $7.24 $8.86 $7.18 $8.99
Adjusted Weighted Average Diluted Shares Outstanding		 47.58M 49.28M 49.84M 49.77M 49.09M 48.34M 48.74M 48.75M 48.76M 49.06M
Adjusted Basic & Diluted Earnings per Share		 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00
Adjusted Weighted Average Basic & Diluted Shares Outstanding		 49.53M 49.81M 50.05M 49.05M 49.09M 48.18M 48.46M 48.50M 48.74M 72.59M
Normalized Net Operating Profit after Tax (NOPAT)		 97 154 183 196 244 287 353 432 350 441
Normalized NOPAT Margin		 12.34% 17.11% 18.62% 19.39% 22.19% 22.19% 27.52% 29.41% 23.94% 27.09%
Pre Tax Income Margin		 16.39% 22.12% 24.06% 22.09% 26.05% 26.24% 33.45% 36.24% 28.84% 33.23%
Debt Service Ratios		 - - - - - - - - - -
EBIT to Interest Expense		 6.89 7.17 4.08 1.84 1.49 4.39 9.33 2.38 0.46 0.46
NOPAT to Interest Expense		 5.19 5.54 3.15 1.62 1.27 3.71 7.67 1.93 0.38 0.38
EBIT Less CapEx to Interest Expense		 4.06 5.40 3.50 1.41 1.14 3.72 8.68 2.18 0.43 0.45
NOPAT Less CapEx to Interest Expense		 2.36 3.77 2.58 1.18 0.92 3.04 7.03 1.73 0.36 0.36
Payout Ratios		 - - - - - - - - - -
Dividend Payout Ratio		 39.60% 30.88% 20.99% 29.81% 24.40% 21.04% 18.91% 16.69% 21.21% 17.48%
Augmented Payout Ratio		 46.89% 41.19% 27.18% 68.94% 26.24% 43.30% 20.47% 24.10% 23.60% 19.23%

Quarterly Metrics And Ratios for UMB Financial

This table displays calculated financial ratios and metrics derived from UMB Financial's official financial filings.

Metric Q3 2022 Q4 2022 Q1 2023 Q2 2023 Q3 2023 Q4 2023 Q1 2024 Q2 2024 Q3 2024 Q4 2024 Q1 2025
Period end date 9/30/2022 12/31/2022 3/31/2023 6/30/2023 9/30/2023 12/31/2023 3/31/2024 6/30/2024 9/30/2024 12/31/2024 3/31/2025
Growth Metrics		 - - - - - - - - - - -
Revenue Growth		 14.02% 12.54% 11.34% -9.33% -1.82% 0.03% 7.20% 7.24% 14.21% 17.10% 41.43%
EBITDA Growth		 -4.45% 20.22% -8.27% -31.42% 7.70% -29.65% 11.93% 9.04% 8.38% 73.92% -34.46%
EBIT Growth		 -4.39% 25.90% -11.26% -36.62% 9.53% -34.76% 19.97% 15.35% 13.83% 79.23% -30.49%
NOPAT Growth		 -6.86% 27.62% -12.76% -34.49% 9.73% -29.20% 19.28% 12.47% 13.56% 69.19% -26.23%
Net Income Growth		 -6.86% 27.62% -12.76% -34.49% 9.73% -29.20% 19.28% 12.47% 13.56% 69.19% -26.23%
EPS Growth		 -6.70% 28.13% -12.44% -34.63% 9.39% -29.27% 18.42% 11.89% 12.63% 68.28% -46.22%
Operating Cash Flow Growth		 18.47% -15.88% -99.13% -26.72% 5.89% -41.17% 3,210.38% -26.90% -46.75% -178.69% 546.59%
Free Cash Flow Firm Growth		 474.87% 1,002.65% -1,018.82% -444.52% -538.92% -561.74% 126.71% 110.14% 125.28% 171.70% -357.73%
Invested Capital Growth		 -14.15% -10.79% 98.53% 71.98% 88.96% 73.33% -11.00% -2.04% -9.46% -27.10% 38.72%
Revenue Q/Q Growth		 -9.70% 2.33% 0.33% -2.21% -2.22% 4.27% 7.53% -2.17% 4.13% 6.91% 29.86%
EBITDA Q/Q Growth		 -32.40% 10.95% -7.41% -1.25% 6.16% -27.53% 47.32% -3.80% 5.52% 16.30% -44.49%
EBIT Q/Q Growth		 -37.32% 13.82% -9.89% -1.41% 8.33% -32.21% 65.68% -5.20% 6.90% 6.75% -35.75%
NOPAT Q/Q Growth		 -36.03% 13.85% -7.72% -2.52% 7.15% -26.55% 55.46% -8.08% 8.19% 9.44% -32.22%
Net Income Q/Q Growth		 -36.03% 13.85% -7.72% -2.52% 7.15% -26.55% 55.46% -8.08% 8.19% 9.44% -32.22%
EPS Q/Q Growth		 -36.04% 13.26% -7.32% -2.63% 7.03% -26.77% 55.17% -8.00% 7.73% 9.42% -50.41%
Operating Cash Flow Q/Q Growth		 4.55% -34.13% -98.83% 8,963.21% 51.07% -63.41% -33.93% 100.14% 10.04% -154.08% 642.87%
Free Cash Flow Firm Q/Q Growth		 -2.77% -17.30% -715.18% 30.35% -23.87% 13.00% 135.58% -73.56% 208.76% 146.78% -227.91%
Invested Capital Q/Q Growth		 -0.35% 4.93% 96.71% -16.39% 9.48% -3.75% 1.00% -7.96% 1.19% -22.50% 92.19%
Profitability Metrics		 - - - - - - - - - - -
EBITDA Margin		 37.12% 40.25% 37.14% 37.51% 40.72% 28.31% 38.78% 38.13% 38.64% 42.04% 17.97%
EBIT Margin		 30.04% 33.41% 30.01% 30.25% 33.52% 21.79% 33.58% 32.54% 33.41% 33.36% 16.50%
Profit (Net Income) Margin		 24.29% 27.03% 24.86% 24.78% 27.15% 19.13% 27.66% 25.98% 27.00% 27.64% 14.42%
Tax Burden Percent		 80.86% 80.89% 82.83% 81.90% 81.01% 87.77% 82.36% 79.86% 80.82% 82.86% 87.41%
Interest Burden Percent		 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00%
Effective Tax Rate		 19.14% 19.11% 17.17% 18.10% 18.99% 12.23% 17.64% 20.14% 19.18% 17.14% 12.59%
Return on Invested Capital (ROIC)		 11.02% 12.27% 8.30% 9.18% 9.46% 6.71% 7.27% 7.93% 8.08% 9.86% 4.06%
ROIC Less NNEP Spread (ROIC-NNEP)		 11.02% 12.27% 8.30% 9.18% 9.46% 6.71% 7.27% 7.93% 8.08% 9.86% 4.06%
Return on Net Nonoperating Assets (RNNOA)		 1.28% 1.38% 5.15% 4.11% 5.44% 2.98% 6.53% 5.06% 5.25% 3.86% 1.16%
Return on Equity (ROE)		 12.30% 13.65% 13.46% 13.29% 14.89% 9.70% 13.80% 13.00% 13.33% 13.71% 5.23%
Cash Return on Invested Capital (CROIC)		 28.27% 24.75% -56.73% -43.58% -52.54% -45.25% 18.14% 9.70% 17.43% 41.01% -25.97%
Operating Return on Assets (OROA)		 1.14% 1.21% 1.11% 1.13% 1.24% 0.77% 1.16% 1.15% 1.18% 1.15% 0.52%
Return on Assets (ROA)		 0.92% 0.98% 0.92% 0.92% 1.00% 0.68% 0.96% 0.92% 0.95% 0.95% 0.45%
Return on Common Equity (ROCE)		 12.30% 13.65% 13.46% 13.29% 14.89% 9.70% 13.80% 13.00% 13.33% 13.71% 5.17%
Return on Equity Simple (ROE_SIMPLE)		 16.25% 0.00% 14.86% 13.09% 13.51% 0.00% 11.67% 11.75% 11.09% 0.00% 6.11%
Net Operating Profit after Tax (NOPAT)		 88 100 92 90 97 71 110 101 110 120 81
NOPAT Margin		 24.29% 27.03% 24.86% 24.78% 27.15% 19.13% 27.66% 25.98% 27.00% 27.64% 14.42%
Net Nonoperating Expense Percent (NNEP)		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
SG&A Expenses to Revenue		 48.09% 47.51% 47.82% 49.29% 47.66% 45.79% 44.60% 45.33% 44.83% 45.29% 46.54%
Operating Expenses to Revenue		 63.88% 64.16% 63.74% 66.17% 65.08% 78.21% 63.91% 63.86% 62.16% 62.27% 68.24%
Earnings before Interest and Taxes (EBIT)		 109 124 112 110 119 81 134 127 136 145 93
Earnings before Interest, Taxes, Depreciation and Amortization (EBITDA)		 134 149 138 136 145 105 155 149 157 183 101
Valuation Ratios		 - - - - - - - - - - -
Price to Book Value (P/BV)		 1.56 1.46 0.97 1.02 1.05 1.29 1.33 1.26 1.45 1.59 1.11
Price to Tangible Book Value (P/TBV)		 1.69 1.63 1.08 1.14 1.17 1.41 1.46 1.38 1.57 1.72 1.71
Price to Revenue (P/Rev)		 2.75 2.65 1.81 1.97 2.02 2.73 2.82 2.68 3.27 3.38 4.09
Price to Earnings (P/E)		 9.58 9.00 6.52 7.80 7.79 11.39 11.42 10.73 13.07 12.48 17.89
Dividend Yield		 1.82% 1.85% 2.67% 2.53% 2.50% 1.86% 1.78% 1.86% 1.48% 1.39% 1.56%
Earnings Yield		 10.44% 11.11% 15.34% 12.81% 12.83% 8.78% 8.76% 9.32% 7.65% 8.01% 5.59%
Enterprise Value to Invested Capital (EV/IC)		 0.50 0.53 0.32 0.19 0.25 0.06 0.00 0.08 0.00 0.00 0.00
Enterprise Value to Revenue (EV/Rev)		 1.02 1.11 1.29 0.65 0.94 0.22 0.00 0.26 0.00 0.00 0.00
Enterprise Value to EBITDA (EV/EBITDA)		 2.39 2.57 3.14 1.71 2.43 0.61 0.00 0.72 0.00 0.00 0.00
Enterprise Value to EBIT (EV/EBIT)		 2.87 3.06 3.76 2.10 2.97 0.76 0.00 0.86 0.00 0.00 0.00
Enterprise Value to NOPAT (EV/NOPAT)		 3.55 3.77 4.65 2.57 3.64 0.91 0.00 1.05 0.00 0.00 0.00
Enterprise Value to Operating Cash Flow (EV/OCF)		 1.83 2.11 3.38 1.84 2.59 0.67 0.00 0.82 0.00 0.00 0.00
Enterprise Value to Free Cash Flow (EV/FCFF)		 1.64 2.03 0.00 0.00 0.00 0.00 0.00 0.83 0.00 0.00 0.00
Leverage & Solvency		 - - - - - - - - - - -
Debt to Equity		 0.15 0.14 1.13 0.77 0.96 0.70 0.69 0.52 0.41 0.11 0.10
Long-Term Debt to Equity		 0.15 0.14 0.14 0.14 0.14 0.12 0.12 0.12 0.11 0.11 0.10
Financial Leverage		 0.12 0.11 0.62 0.45 0.57 0.44 0.90 0.64 0.65 0.39 0.29
Leverage Ratio		 13.33 13.97 14.60 14.39 14.83 14.31 14.40 14.15 14.03 14.38 11.58
Compound Leverage Factor		 13.33 13.97 14.60 14.39 14.83 14.31 14.40 14.15 14.03 14.38 11.58
Debt to Total Capital		 13.13% 12.51% 53.06% 43.52% 48.87% 41.32% 40.92% 34.29% 28.87% 10.00% 8.84%
Short-Term Debt to Total Capital		 0.00% 0.00% 46.69% 35.90% 41.90% 34.07% 33.73% 26.47% 21.13% 0.00% 0.00%
Long-Term Debt to Total Capital		 13.13% 12.51% 6.37% 7.62% 6.97% 7.25% 7.19% 7.82% 7.74% 10.00% 8.84%
Preferred Equity to Total Capital		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 1.50%
Noncontrolling Interests to Total Capital		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
Common Equity to Total Capital		 86.87% 87.49% 46.94% 56.48% 51.13% 58.68% 59.08% 65.71% 71.13% 90.00% 89.66%
Debt to EBITDA		 0.63 0.60 5.13 3.91 4.72 4.16 4.04 3.05 2.54 0.60 1.11
Net Debt to EBITDA		 -4.07 -3.57 -1.26 -3.47 -2.77 -7.00 -9.30 -6.63 -11.22 -13.56 -18.17
Long-Term Debt to EBITDA		 0.63 0.60 0.62 0.68 0.67 0.73 0.71 0.69 0.68 0.60 1.11
Debt to NOPAT		 0.93 0.88 7.61 5.89 7.07 6.24 5.94 4.44 3.66 0.87 1.59
Net Debt to NOPAT		 -6.03 -5.23 -1.87 -5.23 -4.16 -10.48 -13.67 -9.68 -16.18 -19.76 -25.98
Long-Term Debt to NOPAT		 0.93 0.88 0.91 1.03 1.01 1.09 1.04 1.01 0.98 0.87 1.59
Noncontrolling Interest Sharing Ratio		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 1.12%
Liquidity Ratios		 - - - - - - - - - - -
Cash Flow Metrics		 - - - - - - - - - - -
Free Cash Flow to Firm (FCFF)		 567 469 -2,884 -2,008 -2,488 -2,164 770 204 629 1,552 -1,985
Operating Cash Flow to CapEx		 1,241.16% 846.14% 18.11% 4,576.12% 3,665.62% 2,099.80% 0.00% 1,973.76% 2,878.86% -656.89% 4,225.60%
Free Cash Flow to Firm to Interest Expense		 8.48 3.85 -17.26 -8.52 -9.96 -8.13 2.74 0.69 2.03 5.43 -5.83
Operating Cash Flow to Interest Expense		 3.28 1.19 0.01 0.65 0.93 0.32 0.20 0.38 0.40 -0.23 1.07
Operating Cash Flow Less CapEx to Interest Expense		 3.02 1.05 -0.05 0.64 0.90 0.30 0.20 0.36 0.38 -0.27 1.04
Efficiency Ratios		 - - - - - - - - - - -
Asset Turnover		 0.04 0.04 0.04 0.04 0.04 0.04 0.03 0.04 0.04 0.03 0.03
Fixed Asset Turnover		 5.34 5.49 5.74 5.73 5.74 5.79 6.05 6.29 6.65 7.03 5.76
Capital & Investment Metrics		 - - - - - - - - - - -
Invested Capital		 2,905 3,048 5,996 5,014 5,489 5,284 5,337 4,912 4,970 3,852 7,403
Invested Capital Turnover		 0.45 0.45 0.33 0.37 0.35 0.35 0.26 0.31 0.30 0.36 0.28
Increase / (Decrease) in Invested Capital		 -479 -369 2,976 2,099 2,584 2,235 -660 -102 -519 -1,432 2,066
Enterprise Value (EV)		 1,455 1,627 1,946 954 1,379 319 -825 398 -1,221 -3,212 -3,261
Market Capitalization		 3,929 3,884 2,726 2,893 2,956 3,988 4,201 4,066 5,124 5,507 7,339
Book Value per Share		 $52.24 $55.21 $58.03 $58.37 $57.85 $63.89 $64.79 $66.21 $72.53 $71.04 $91.44
Tangible Book Value per Share		 $48.19 $49.28 $52.18 $52.55 $52.07 $58.15 $59.11 $60.58 $66.93 $65.48 $58.99
Total Capital		 2,905 3,048 5,996 5,014 5,489 5,284 5,337 4,912 4,970 3,852 7,403
Total Debt		 382 381 3,182 2,182 2,683 2,183 2,184 1,684 1,435 385 654
Total Long-Term Debt		 382 381 382 382 383 383 384 384 385 385 654
Net Debt		 -2,474 -2,257 -780 -1,939 -1,576 -3,669 -5,027 -3,668 -6,344 -8,719 -10,711
Capital Expenditures (CapEx)		 18 17 9.36 3.36 6.34 4.05 -0.16 5.69 4.30 10 8.59
Net Nonoperating Expense (NNE)		 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Net Nonoperating Obligations (NNO)		 382 381 3,182 2,182 2,683 2,183 2,184 1,684 1,435 385 654
Total Depreciation and Amortization (D&A)		 26 25 27 26 26 24 21 22 21 38 8.28
Earnings Adjustments		 - - - - - - - - - - -
Adjusted Basic Earnings per Share		 $1.82 $2.07 $1.91 $1.86 $1.99 $1.46 $2.27 $2.08 $2.25 $2.45 $1.22
Adjusted Weighted Average Basic Shares Outstanding		 48.30M 48.34M 48.44M 48.51M 48.53M 48.50M 48.66M 48.74M 48.78M 48.75M 65.06M
Adjusted Diluted Earnings per Share		 $1.81 $2.05 $1.90 $1.85 $1.98 $1.45 $2.25 $2.07 $2.23 $2.44 $1.21
Adjusted Weighted Average Diluted Shares Outstanding		 48.65M 48.75M 48.75M 48.67M 48.76M 48.76M 48.92M 48.97M 49.08M 49.06M 65.50M
Adjusted Basic & Diluted Earnings per Share		 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00
Adjusted Weighted Average Basic & Diluted Shares Outstanding		 48.31M 48.50M 48.51M 48.52M 48.53M 48.74M 48.74M 48.75M 48.80M 72.59M 75.92M
Normalized Net Operating Profit after Tax (NOPAT)		 88 100 92 90 97 71 110 101 110 120 81
Normalized NOPAT Margin		 24.29% 27.03% 24.86% 24.78% 27.15% 19.13% 27.66% 25.98% 27.00% 27.64% 14.42%
Pre Tax Income Margin		 30.04% 33.41% 30.01% 30.25% 33.52% 21.79% 33.58% 32.54% 33.41% 33.36% 16.50%
Debt Service Ratios		 - - - - - - - - - - -
EBIT to Interest Expense		 1.63 1.02 0.67 0.47 0.48 0.30 0.48 0.43 0.44 0.51 0.27
NOPAT to Interest Expense		 1.32 0.82 0.55 0.38 0.39 0.27 0.39 0.35 0.35 0.42 0.24
EBIT Less CapEx to Interest Expense		 1.36 0.88 0.61 0.45 0.45 0.29 0.48 0.41 0.42 0.47 0.25
NOPAT Less CapEx to Interest Expense		 1.05 0.68 0.50 0.37 0.36 0.25 0.39 0.33 0.34 0.38 0.21
Payout Ratios		 - - - - - - - - - - -
Dividend Payout Ratio		 17.46% 16.69% 17.35% 19.72% 19.43% 21.21% 20.34% 20.03% 19.52% 17.48% 21.40%
Augmented Payout Ratio		 25.52% 24.10% 21.51% 21.91% 21.61% 23.60% 22.52% 22.14% 21.56% 19.23% 25.19%

Key Financial Trends

UMB Financial (NASDAQ: UMBF) has demonstrated solid financial performance and growth across key metrics over the last several quarters, indicating overall operational strength as of Q1 2025.

Revenue and Income Trends:

  • Q1 2025 total revenue increased to $563.8 million from $434.2 million in Q4 2024, driven by strong growth in total interest income which rose from $555.0 million to $738.0 million.
  • Net interest income saw a significant rise in Q1 2025, reaching $397.6 million compared to $269.0 million in Q4 2024, reflecting higher loan and investment income.
  • Trust fees by commissions increased consistently, with $79.8 million in Q1 2025 compared to $76.9 million in Q4 2024, contributing to non-interest income growth.
  • Provision for credit losses has increased notably in Q1 2025 to $86.0 million from $19.0 million in Q4 2024, which could signal rising credit risk or more conservative provisioning.
  • Net income attributable to common shareholders grew to $79.3 million ($1.22 EPS basic) in Q1 2025 from $120.0 million ($2.45 EPS basic) in Q4 2024 on a larger share count, showing growth but with some dilution effects.

Expense and Operating Efficiency:

  • Total non-interest expense increased to $384.8 million in Q1 2025 from $270.4 million in Q4 2024, with increased employee benefits and insurance claims costs, potentially pressuring margins.
  • Marketing expense slightly decreased comparing Q1 2025 ($8.0 million) to prior periods, which may reflect controlled discretionary spending.

Cash Flow and Capital Structure:

  • UMB generated $363.0 million in cash from continuing operating activities in Q1 2025, a strong rebound from a negative cash flow of $66.9 million in Q4 2024, indicating improved operational cash generation.
  • Significant investing activity with net cash from investing activities at $663.2 million in Q1 2025, with larger sales/maturities of investments compared to purchases, improving liquidity.
  • Financing activities provided $1.135 billion in net cash due mainly to an increase in deposits and new common equity issuance, supporting balance sheet growth and capital adequacy.

Balance Sheet Highlights:

  • Total assets expanded markedly to $69.35 billion in Q1 2025 from $47.50 billion in Q3 2024, largely driven by increases in interest-bearing deposits and trading account securities.
  • The allowance for loan and lease losses rose to $369 million in Q1 2025 from $249 million in Q3 2024, consistent with the uptick in the credit loss provision.
  • Total liabilities grew to $62.60 billion, supported by growth in non-interest and interest-bearing deposits, which reached $18.43 billion and $40.09 billion respectively, indicating strong deposit base expansion.
  • Long-term debt remains stable at around $654 million, showcasing manageable leverage.
  • Total equity increased to $6.75 billion in Q1 2025, reflecting retained earnings growth and capital issuance, supporting financial stability and regulatory capital.

Summary:

UMB Financial has shown strong revenue and net interest income growth into 2025, supported by increases in loans and investment income. The company improved cash flow significantly in Q1 2025 and expanded its asset base sharply. However, higher provisions for credit losses and non-interest expenses may weigh on profitability in the near term. The robust deposit growth and equity capital raise underpin a solid financial position to support continued expansion. Investors should monitor credit quality indicators and expense management closely going forward.

08/24/25 07:36 AMAI Generated. May Contain Errors.

Frequently Asked Questions About UMB Financial's Financials

When does UMB Financial's financial year end?

According to the most recent income statement we have on file, UMB Financial's fiscal year ends in December. Their fiscal year 2024 ended on December 31, 2024.

How has UMB Financial's net income changed over the last 9 years?

UMB Financial's net income appears to be on an upward trend, with a most recent value of $441.24 million in 2024, rising from $116.07 million in 2015. The previous period was $350.02 million in 2023. See UMB Financial's forecast for analyst expectations on what’s next for the company.

How has UMB Financial's revenue changed over the last 9 years?

Over the last 9 years, UMB Financial's total revenue changed from $782.73 million in 2015 to $1.63 billion in 2024, a change of 108.1%.

How much debt does UMB Financial have?

UMB Financial's total liabilities were at $46.94 billion at the end of 2024, a 14.7% increase from 2023, and a 172.9% increase since 2015.

How much cash does UMB Financial have?

In the past 9 years, UMB Financial's cash and equivalents has ranged from $392.72 million in 2017 to $645.12 million in 2018, and is currently $573.18 million as of their latest financial filing in 2024.

How has UMB Financial's book value per share changed over the last 9 years?

Over the last 9 years, UMB Financial's book value per share changed from 38.42 in 2015 to 71.04 in 2024, a change of 84.9%.


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This page (NASDAQ:UMBF) was last updated on 8/24/2025 by MarketBeat.com Staff
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