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UMB Financial (UMBF) Financials

UMB Financial logo
$131.14 +0.96 (+0.74%)
As of 02:49 PM Eastern
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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 2025
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 12/31/2025
Net Income / (Loss) Attributable to Common Shareholders		 116 159 247 196 244 287 353 432 350 441 685
Consolidated Net Income / (Loss)		 116 159 247 196 244 287 353 432 350 441 702
Net Income / (Loss) Continuing Operations		 97 154 183 196 244 287 353 432 350 441 702
Total Pre-Tax Income 		128 199 236 224 286 339 429 532 422 541 875
Total Revenue		 783 898 982 1,012 1,098 1,291 1,283 1,468 1,462 1,629 2,652
Net Interest Income / (Expense)		 412 495 559 610 671 731 816 914 920 1,001 1,862
Total Interest Income		 431 523 617 732 863 808 862 1,138 1,839 2,171 3,354
Loans and Leases Interest Income		 308 386 461 559 638 586 619 810 1,400 1,613 2,415
Investment Securities Interest Income		 119 131 147 158 196 206 226 289 317 357 635
Deposits and Money Market Investments Interest Income		 2.36 2.34 3.87 7.91 13 3.74 5.42 19 103 182 265
Federal Funds Sold and Securities Borrowed Interest Income		 0.70 2.71 3.70 4.81 14 12 10 19 18 18 38
Trading Account Interest Income		 0.38 0.63 1.50 2.15 2.21 1.43 0.85 0.51 0.73 1.35 1.10
Total Interest Expense		 19 28 58 122 192 77 46 224 919 1,170 1,492
Deposits Interest Expense		 14 18 36 92 154 58 26 168 704 982 1,337
Federal Funds Purchased and Securities Sold Interest Expense		 1.79 6.52 18 25 33 12 6.93 41 93 107 109
Other Interest Expense		 2.56 3.25 3.74 4.68 5.24 7.26 13 15 121 81 47
Total Non-Interest Income		 371 403 424 402 427 560 467 554 542 628 790
Trust Fees by Commissions		 178 - - 172 177 195 224 237 257 291 343
Service Charges on Deposit Accounts		 - - - 84 83 84 86 85 85 85 113
Other Service Charges		 174 29 34 126 141 128 121 150 183 218 277
Net Realized & Unrealized Capital Gains on Investments		 -1.79 8.51 4.19 3.52 2.25 121 5.06 58 -3.14 11 31
Investment Banking Income		 20 21 23 16 23 33 31 23 20 24 25
Provision for Credit Losses		 16 33 41 71 33 131 20 38 41 61 155
Total Non-Interest Expense		 639 667 705 718 779 822 834 898 999 1,027 1,623
Salaries and Employee Benefits		 368 390 414 419 461 495 504 524 553 594 884
Net Occupancy & Equipment Expense		 106 111 116 120 127 133 126 123 117 111 139
Marketing Expense		 22 21 21 24 26 15 19 26 26 28 46
Property & Liability Insurance Claims		 26 21 23 30 32 30 32 39 30 46 92
Other Operating Expenses		 109 115 123 118 127 142 148 181 264 239 369
Amortization Expense		 8.17 8.70 7.33 5.76 5.51 6.52 4.76 5.04 8.59 7.71 94
Income Tax Expense		 32 45 53 27 42 52 76 100 72 100 173
Preferred Stock Dividends Declared		 - - - - - - - - 0.00 0.00 18
Basic Earnings per Share		 $2.46 $3.25 $5.02 $3.97 $4.99 $5.95 $7.31 $8.93 $7.22 $9.05 $9.35
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 73.26M
Diluted Earnings per Share		 $2.44 $3.22 $4.96 $3.93 $4.96 $5.93 $7.24 $8.86 $7.18 $8.99 $9.29
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 73.67M
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 76.14M
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 $1.63

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 Q2 2023 Q3 2023 Q4 2023 Q1 2024 Q2 2024 Q3 2024 Q4 2024 Q1 2025 Q2 2025 Q3 2025 Q4 2025
Period end date 6/30/2023 9/30/2023 12/31/2023 3/31/2024 6/30/2024 9/30/2024 12/31/2024 3/31/2025 6/30/2025 9/30/2025 12/31/2025
Net Income / (Loss) Attributable to Common Shareholders		 90 97 71 110 101 110 120 79 215 180 210
Consolidated Net Income / (Loss)		 90 97 71 110 101 110 120 81 217 188 215
Net Income / (Loss) Continuing Operations		 90 97 71 110 101 110 120 81 217 188 215
Total Pre-Tax Income 		110 119 81 134 127 136 145 93 275 237 270
Total Revenue		 364 356 371 399 390 406 434 564 689 678 721
Net Interest Income / (Expense)		 226 222 231 239 245 247 269 398 467 475 523
Total Interest Income		 461 472 497 520 538 558 555 738 851 879 887
Loans and Leases Interest Income		 343 367 381 386 400 416 411 527 612 629 646
Investment Securities Interest Income		 80 79 80 86 87 88 96 128 155 171 180
Deposits and Money Market Investments Interest Income		 34 21 32 45 47 48 42 75 74 69 47
Federal Funds Sold and Securities Borrowed Interest Income		 3.89 4.57 3.54 3.06 3.67 4.99 5.90 6.95 8.73 9.37 13
Trading Account Interest Income		 0.15 0.21 0.23 0.31 0.42 0.29 0.33 0.37 0.26 0.31 0.16
Total Interest Expense		 236 250 266 281 293 310 286 340 384 404 364
Deposits Interest Expense		 171 192 214 224 241 263 255 303 343 363 327
Federal Funds Purchased and Securities Sold Interest Expense		 25 23 22 28 28 27 24 26 27 29 27
Other Interest Expense		 40 35 30 29 25 21 6.95 11 13 12 10
Total Non-Interest Income		 138 133 140 159 145 159 165 166 222 203 198
Trust Fees by Commissions		 62 67 67 69 70 74 77 80 83 88 92
Service Charges on Deposit Accounts		 21 21 21 21 22 20 21 27 29 29 28
Other Service Charges		 49 42 46 54 49 55 60 58 66 83 70
Net Realized & Unrealized Capital Gains on Investments		 0.90 0.27 1.01 9.37 -1.87 2.62 0.59 -4.78 38 -4.09 2.16
Investment Banking Income		 4.80 3.77 5.75 5.46 5.46 7.12 6.19 5.91 6.17 7.03 6.20
Provision for Credit Losses		 13 4.98 - 10 14 18 19 86 21 23 25
Total Non-Interest Expense		 241 231 290 255 249 252 270 385 393 419 426
Salaries and Employee Benefits		 143 133 134 143 143 147 161 221 214 220 229
Net Occupancy & Equipment Expense		 29 29 29 29 27 28 27 33 35 36 35
Marketing Expense		 7.12 6.63 6.66 6.03 6.60 6.82 9.00 8.00 11 11 15
Property & Liability Insurance Claims		 7.06 7.23 8.42 7.89 17 9.52 12 29 18 22 24
Other Operating Expenses		 52 53 110 67 54 59 60 76 90 105 98
Amortization Expense		 2.12 2.12 2.05 1.96 1.91 1.92 1.92 17 25 25 25
Income Tax Expense		 20 23 9.88 24 26 26 25 12 58 48 55
Preferred Stock Dividends Declared		 - - - 0.00 0.00 0.00 - 2.01 2.01 7.94 5.81
Basic Earnings per Share		 $1.86 $1.99 $1.46 $2.27 $2.08 $2.25 $2.45 $1.22 $2.84 $2.38 $2.91
Weighted Average Basic Shares Outstanding		 48.51M 48.53M 48.50M 48.66M 48.74M 48.78M 48.75M 65.06M 75.92M 75.94M 73.26M
Diluted Earnings per Share		 $1.85 $1.98 $1.45 $2.25 $2.07 $2.23 $2.44 $1.21 $2.82 $2.36 $2.90
Weighted Average Diluted Shares Outstanding		 48.67M 48.76M 48.76M 48.92M 48.97M 49.08M 49.06M 65.50M 76.24M 76.37M 73.67M
Weighted Average Basic & Diluted Shares Outstanding		 48.52M 48.53M 48.74M 48.74M 48.75M 48.80M 72.59M 75.92M 75.93M 75.95M 76.14M
Cash Dividends to Common per Share		 $0.38 $0.38 $0.39 $0.39 $0.39 $0.39 $0.40 $0.40 $0.40 $0.40 $0.43

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 2025
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 12/31/2025
Net Change in Cash & Equivalents		 -968 245 652 -42 -4.95 1,828 5,717 -7,657 3,970 2,920 -677
Net Cash From Operating Activities		 212 296 327 296 340 374 534 770 473 225 1,027
Net Cash From Continuing Operating Activities		 212 299 327 296 340 374 534 770 473 225 1,027
Net Income / (Loss) Continuing Operations		 116 159 247 196 244 287 353 432 350 441 702
Consolidated Net Income / (Loss)		 116 159 247 196 244 287 353 432 350 441 702
Provision For Loan Losses		 16 33 41 71 33 131 20 38 41 61 155
Depreciation Expense		 53 55 55 53 56 63 56 54 59 53 142
Amortization Expense		 57 54 46 42 34 45 54 47 44 49 -149
Non-Cash Adjustments to Reconcile Net Income		 3.91 -11 -38 -22 24 -99 -4.14 -33 -5.50 -16 97
Changes in Operating Assets and Liabilities, net		 -34 9.24 -25 -44 -50 -51 55 232 -16 -362 80
Net Cash From Investing Activities		 -1,330 -1,502 -479 -1,747 -2,985 -4,491 -4,235 -3,845 -1,273 -3,263 -5,620
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 -5,620
Purchase of Property, Leasehold Improvements and Equipment		 -54 -51 -36 -58 -72 -60 -34 -52 -23 -20 -49
Purchase of Investment Securities		 -3,568 -4,183 -2,656 -2,486 -3,812 -7,344 -7,047 -6,215 -3,997 -10,771 -8,721
Divestitures		 95 0.00 165 -8.91 -18 0.02 18 549 -0.79 -109 169
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 3,983
Net Increase in Fed Funds Sold		 -45 -151 133 -435 -951 -72 434 258 713 -300 -1,003
Net Cash From Financing Activities		 150 1,451 804 1,409 2,640 5,946 9,418 -4,581 4,771 5,958 3,917
Net Cash From Continuing Financing Activities		 150 1,451 804 1,409 2,640 5,946 9,418 -4,581 4,771 5,958 3,917
Net Change in Deposits		 542 1,479 1,452 1,273 2,322 5,448 -24 -3,571 3,154 7,349 64
Issuance of Debt		 2.50 1.50 3.00 0.00 0.00 215 0.00 110 32,856 500 0.00
Issuance of Preferred Equity		 - - - - - - - - 0.00 0.00 294
Issuance of Common Equity		 12 17 14 12 4.64 5.19 19 2.14 2.46 4.69 236
Repayment of Debt		 -123 -17 -1.52 0.00 0.00 -17 0.00 -2.13 -31,056 -2,300 -200
Repurchase of Preferred Equity		 - - - - - - - - 0.00 0.00 -115
Repurchase of Common Equity		 -8.46 -16 -15 -77 -4.50 -64 -5.51 -32 -8.37 -7.74 -18
Payment of Dividends		 -46 -49 -52 -58 -59 -60 -67 -72 -74 -77 -136
Other Financing Activities, Net		 -229 36 -596 258 378 419 9,496 -1,016 -103 489 3,791
Cash Interest Paid		 18 28 57 115 190 84 47 196 844 1,205 1,466
Cash Income Taxes Paid		 47 44 46 63 2.25 34 93 102 79 77 63

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 Q2 2023 Q3 2023 Q4 2023 Q1 2024 Q2 2024 Q3 2024 Q4 2024 Q1 2025 Q2 2025 Q3 2025 Q4 2025
Period end date 6/30/2023 9/30/2023 12/31/2023 3/31/2024 6/30/2024 9/30/2024 12/31/2024 3/31/2025 6/30/2025 9/30/2025 12/31/2025
Net Change in Cash & Equivalents		 216 188 1,601 1,415 -1,927 2,261 1,172 2,161 386 -2,154 -1,069
Net Cash From Operating Activities		 154 232 85 56 112 124 -67 363 285 272 106
Net Cash From Continuing Operating Activities		 154 232 85 56 112 124 -67 363 285 272 106
Net Income / (Loss) Continuing Operations		 90 97 71 110 101 110 120 81 217 188 215
Consolidated Net Income / (Loss)		 90 97 71 110 101 110 120 81 217 188 215
Provision For Loan Losses		 13 4.98 - 10 14 18 19 86 21 23 25
Depreciation Expense		 15 15 14 14 13 13 13 29 38 37 37
Amortization Expense		 12 11 10 6.92 8.53 8.33 25 -21 -37 -37 -54
Non-Cash Adjustments to Reconcile Net Income		 -20 7.90 0.75 -31 15 -6.95 6.76 25 -13 4.72 79
Changes in Operating Assets and Liabilities, net		 44 97 -11 -53 -40 -18 -250 162 58 57 -197
Net Cash From Investing Activities		 -398 -145 -689 158 -1,114 -588 -1,718 663 -1,998 -2,143 -2,142
Net Cash From Continuing Investing Activities		 -398 -145 -689 158 -1,114 -588 -1,718 663 -1,998 -2,143 -2,142
Purchase of Property, Leasehold Improvements and Equipment		 -7.66 -6.04 -3.78 -2.38 -5.69 -5.96 -10 -8.82 -15 -14 -11
Purchase of Investment Securities		 -1,421 -499 -1,032 -3,035 -4,434 -1,309 -2,009 -1,490 -2,579 -2,648 -2,004
Divestitures		 -0.79 - - -111 2.08 -0.34 - 175 - -4.85 -0.87
Sale and/or Maturity of Investments		 992 298 312 3,239 3,393 889 417 2,078 697 552 656
Net Increase in Fed Funds Sold		 48 72 2.86 65 -67 -152 -146 -91 -101 -28 -783
Net Cash From Financing Activities		 460 100 2,205 1,200 -925 2,725 2,957 1,135 2,098 -284 967
Net Cash From Continuing Financing Activities		 460 100 2,205 1,200 -925 2,725 2,957 1,135 2,098 -284 967
Net Change in Deposits		 -884 -89 2,361 -430 -561 -20 65 1,029 -1,435 3,047 -2,578
Issuance of Common Equity		 0.57 0.27 1.19 0.28 0.13 3.29 0.99 236 0.19 0.27 0.37
Repurchase of Common Equity		 - -0.19 -0.27 -7.54 - -0.20 - -15 -0.29 -1.83 -0.08
Payment of Dividends		 -18 -18 -19 -19 -20 -19 -20 -30 -32 -33 -41
Other Financing Activities, Net		 2,362 -293 362 1,657 155 3,011 3,961 -73 3,271 -2,993 3,585
Cash Interest Paid		 206 207 266 269 318 293 325 327 373 400 366
Cash Income Taxes Paid		 48 18 12 1.33 55 20 0.85 1.73 19 33 10

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 2025
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 12/31/2025
Total Assets		 19,094 20,683 21,772 23,351 26,561 33,128 42,693 38,512 44,012 50,410 73,094
Cash and Due from Banks		 458 422 393 645 473 431 414 501 447 573 953
Federal Funds Sold		 174 324 192 627 1,578 1,650 1,216 959 245 545 1,548
Interest Bearing Deposits at Other Banks		 523 716 1,352 1,048 1,225 3,110 8,842 1,179 5,160 7,986 6,941
Trading Account Securities		 7,504 7,627 7,575 7,778 7,501 9,341 12,010 7,026 7,091 7,806 13,734
Loans and Leases, Net of Allowance		 9,350 10,449 11,180 12,075 13,330 15,888 16,976 20,839 -220 -259 -419
Allowance for Loan and Lease Losses		 81 92 101 104 102 216 195 192 220 259 419
Accrued Investment Income		 90 99 99 110 125 140 131 189 220 246 350
Premises and Equipment, Net		 281 289 276 284 300 293 271 264 242 222 398
Goodwill		 228 181 181 181 181 181 175 207 207 207 1,840
Intangible Assets		 47 27 20 15 28 21 14 79 71 64 487
Other Assets		 439 549 505 589 1,821 2,072 2,645 7,269 30,548 33,020 47,264
Total Liabilities & Shareholders' Equity		 19,094 20,683 21,772 23,351 26,561 33,128 42,693 38,512 44,012 50,410 73,094
Total Liabilities		 17,201 18,720 19,590 21,123 23,955 30,111 39,548 35,845 40,911 46,943 65,401
Non-Interest Bearing Deposits		 6,307 6,655 6,839 6,680 6,944 9,880 16,343 13,260 12,131 13,617 17,143
Interest Bearing Deposits		 8,786 9,916 11,184 12,601 14,659 17,171 19,257 19,379 23,662 29,525 43,513
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 3,325
Short-Term Debt		 5.01 - - - - - - 0.00 1,800 0.00 0.00
Other Short-Term Payables		 161 173 191 178 232 320 - 240 390 368 435
Long-Term Debt		 86 77 79 83 70 270 272 381 383 385 474
Other Long-Term Liabilities		 37 43 36 62 153 155 438 363 426 438 509
Total Equity & Noncontrolling Interests		 1,894 1,962 2,182 2,228 2,606 3,017 3,145 2,667 3,100 3,467 7,694
Total Preferred & Common Equity		 1,894 1,962 2,182 2,228 2,606 3,017 3,145 2,667 3,100 3,467 7,694
Preferred Stock		 - - - - - - - - - 0.00 294
Total Common Equity		 1,894 1,962 2,182 2,228 2,606 3,017 3,145 2,667 3,100 3,467 7,400
Common Stock		 1,075 1,088 1,101 1,110 1,129 1,146 1,166 1,181 1,189 1,201 4,090
Retained Earnings		 1,034 1,143 1,338 1,488 1,672 1,891 2,177 2,536 2,811 3,175 3,736
Treasury Stock		 -212 -211 -212 -274 -278 -338 -323 -347 -343 -336 -165
Accumulated Other Comprehensive Income / (Loss)		 -3.72 -58 -46 -96 83 318 126 -703 -557 -573 -262

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 Q2 2025 Q3 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 6/30/2025 9/30/2025
Total Assets		 37,581 40,607 41,243 41,465 45,343 44,469 47,496 69,347 71,760 71,881
Cash and Due from Banks		 371 472 432 455 357 465 778 917 1,088 1,073
Federal Funds Sold		 717 368 320 248 180 247 399 636 737 765
Interest Bearing Deposits at Other Banks		 1,768 3,121 3,370 3,556 6,673 4,640 6,602 9,812 10,026 7,892
Trading Account Securities		 7,146 6,929 6,701 6,358 6,586 7,141 7,057 10,936 12,193 13,417
Loans and Leases, Net of Allowance		 19,699 21,602 22,261 22,660 23,411 -239 -249 -369 -390 -405
Allowance for Loan and Lease Losses		 185 211 222 221 226 239 249 369 390 405
Accrued Investment Income		 154 182 190 209 221 238 219 308 327 332
Premises and Equipment, Net		 261 261 255 249 232 227 222 391 395 399
Goodwill		 182 207 207 207 207 207 207 1,798 1,889 1,912
Intangible Assets		 13 76 75 73 69 67 66 557 532 511
Other Assets		 7,271 7,388 7,431 7,449 7,406 31,476 32,195 44,360 45,039 46,061
Total Liabilities & Shareholders' Equity		 37,581 40,607 41,243 41,465 45,343 44,469 47,496 69,347 71,760 71,881
Total Liabilities		 35,058 37,793 38,411 38,658 42,191 41,242 43,961 62,599 64,474 64,437
Non-Interest Bearing Deposits		 13,877 12,489 12,143 11,255 13,251 12,035 12,841 18,432 18,481 16,188
Interest Bearing Deposits		 17,929 19,443 21,378 22,177 23,663 24,483 26,862 40,089 41,506 43,948
Federal Funds Purchased and Securities Sold		 2,314 2,161 2,051 1,758 2,225 2,217 2,023 2,560 2,933 2,839
Short-Term Debt		 - 2,800 1,800 2,300 1,800 1,300 1,050 0.00 0.00 0.00
Other Short-Term Payables		 211 - 257 319 375 - 387 352 390 453
Long-Term Debt		 382 382 382 383 384 384 385 654 657 471
Other Long-Term Liabilities		 344 518 401 467 493 823 413 511 508 538
Total Equity & Noncontrolling Interests		 2,524 2,815 2,832 2,807 3,153 3,227 3,535 6,748 7,286 7,444
Total Preferred & Common Equity		 2,524 2,815 2,832 2,807 3,153 3,227 3,535 6,748 7,286 7,444
Preferred Stock		 - - - - - - - 111 405 294
Total Common Equity		 2,524 2,815 2,832 2,807 3,153 3,227 3,535 6,638 6,881 7,150
Common Stock		 1,176 1,176 1,180 1,183 1,183 1,187 1,193 4,072 4,080 4,081
Retained Earnings		 2,454 2,610 2,681 2,759 2,903 2,984 3,075 3,225 3,410 3,560
Treasury Stock		 -347 -344 -344 -344 -339 -339 -337 -167 -166 -165
Accumulated Other Comprehensive Income / (Loss)		 -759 -627 -686 -792 -595 -606 -396 -493 -442 -325

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 2025
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 12/31/2025
Growth Metrics		 - - - - - - - - - - -
Profitability Metrics		 - - - - - - - - - - -
Valuation Ratios		 - - - - - - - - - - -
Leverage & Solvency		 - - - - - - - - - - -
Liquidity Ratios		 - - - - - - - - - - -
Cash Flow Metrics		 - - - - - - - - - - -
Efficiency Ratios		 - - - - - - - - - - -
Capital & Investment Metrics		 - - - - - - - - - - -
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 $9.35
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 73.26M
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 $9.29
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 73.67M
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		 49.53M 49.81M 50.05M 49.05M 49.09M 48.18M 48.46M 48.50M 48.74M 72.59M 76.14M
Debt Service Ratios		 - - - - - - - - - - -
Payout Ratios		 - - - - - - - - - - -

Quarterly Metrics And Ratios for UMB Financial

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

Metric Q2 2023 Q3 2023 Q4 2023 Q1 2024 Q2 2024 Q3 2024 Q4 2024 Q1 2025 Q2 2025 Q3 2025 Q4 2025
Period end date 6/30/2023 9/30/2023 12/31/2023 3/31/2024 6/30/2024 9/30/2024 12/31/2024 3/31/2025 6/30/2025 9/30/2025 12/31/2025
Growth Metrics		 - - - - - - - - - - -
Profitability Metrics		 - - - - - - - - - - -
Valuation Ratios		 - - - - - - - - - - -
Leverage & Solvency		 - - - - - - - - - - -
Liquidity Ratios		 - - - - - - - - - - -
Cash Flow Metrics		 - - - - - - - - - - -
Efficiency Ratios		 - - - - - - - - - - -
Capital & Investment Metrics		 - - - - - - - - - - -
Earnings Adjustments		 - - - - - - - - - - -
Adjusted Basic Earnings per Share		 $1.86 $1.99 $1.46 $2.27 $2.08 $2.25 $2.45 $1.22 $2.84 $2.38 $2.91
Adjusted Weighted Average Basic Shares Outstanding		 48.51M 48.53M 48.50M 48.66M 48.74M 48.78M 48.75M 65.06M 75.92M 75.94M 73.26M
Adjusted Diluted Earnings per Share		 $1.85 $1.98 $1.45 $2.25 $2.07 $2.23 $2.44 $1.21 $2.82 $2.36 $2.90
Adjusted Weighted Average Diluted Shares Outstanding		 48.67M 48.76M 48.76M 48.92M 48.97M 49.08M 49.06M 65.50M 76.24M 76.37M 73.67M
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		 48.52M 48.53M 48.74M 48.74M 48.75M 48.80M 72.59M 75.92M 75.93M 75.95M 76.14M
Debt Service Ratios		 - - - - - - - - - - -
Payout Ratios		 - - - - - - - - - - -

Financials Breakdown Chart

Key Financial Trends

UMB Financial (NASDAQ: UMBF) has shown notable improvement in 2025 versus the prior years across earnings, net interest income, and total revenue. Below are the 10 most relevant trends drawn from the last four years of quarterly statements (income statement, cash flow, and balance sheet). Positive items are listed first, followed by neutral items, then negative items.

  • Strong net income growth in 2025: Net income attributable to common shareholders rose to about $209.5 million in Q4 2025, up from roughly $119.997 million in Q4 2024, reflecting meaningful earnings expansion.
  • Net interest income more than doubles in 2025: Net interest income reached about $522.5 million in Q4 2025, roughly doubling the level seen in Q4 2024 (approximately $269 million), driven by higher interest income and favorable rate conditions.
  • Revenue growth in 2025: Total revenue climbed to $720.9 million in Q4 2025, up from about $434.2 million in Q4 2024, highlighting stronger overall performance across both interest and non-interest income.
  • Solid earnings per share progression: Diluted earnings per share (EPS) for Q4 2025 reached about $2.90, up from the mid-$2s level in 2024, reflecting improved profitability and share count dynamics.
  • Non-interest income growth: Total non-interest income rose to about $198.4 million in Q4 2025 from around $165.2 million in Q4 2024, contributing to the higher overall revenue base.
  • Sturdy capitalization: Total common equity around mid-2025 was roughly $7.15 billion, indicating a solid capital base to support growth and risk management.
  • Stable asset base: Total assets remained in the low-to-mid $70 billion range across 2024–2025, suggesting a steady asset base as the bank manages lending and investment activity.
  • Dividend per share with a modest step up: Cash dividends per share hovered near $0.40 for most 2025 quarters, with a slight uptick to $0.43 in Q4 2025, indicating ongoing returns to shareholders without dramatic changes.
  • Significant 2025 non-interest expense growth: Non-interest expense jumped to about $425.6 million in Q4 2025 from about $237.8 million in Q4 2024, signaling higher operating costs (likely from scale or investments) that offset some margin improvements.
  • Large investing cash outflows in Q4 2025: Net cash from investing activities was about a $2.14 billion outflow in Q4 2025, contributing to a negative net change in cash for the quarter and indicating substantial asset purchases or investments.

If you’d like, I can expand this with a year-by-year view (2022–2025) or provide a quick dividend and capital allocation snapshot to help you gauge consistency and payout trajectory for UMBF.

05/21/26 02:50 PM ETAI Generated. May Contain Errors.

UMB Financial Financials - Frequently Asked Questions

According to the most recent income statement we have on file, UMB Financial's fiscal year ends in December. Their fiscal year 2025 ended on December 31, 2025.

UMB Financial's net income appears to be on an upward trend, with a most recent value of $702.40 million in 2025, rising from $116.07 million in 2015. The previous period was $441.24 million in 2024. Check out UMB Financial's forecast to explore projected trends and price targets.

Over the last 10 years, UMB Financial's total revenue changed from $782.73 million in 2015 to $2.65 billion in 2025, a change of 238.8%.

UMB Financial's total liabilities were at $65.40 billion at the end of 2025, a 39.3% increase from 2024, and a 280.2% increase since 2015.

In the past 10 years, UMB Financial's cash and equivalents has ranged from $392.72 million in 2017 to $952.55 million in 2025, and is currently $952.55 million as of their latest financial filing in 2025.


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Financial statements for NASDAQ:UMBF last updated on 2/27/2026 by MarketBeat.com Staff. New filings and market data are monitored continuously.
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