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.
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 2023 |
Q4 2023 |
Q1 2024 |
Q2 2024 |
Q3 2024 |
Q4 2024 |
Q1 2025 |
Q2 2025 |
Q3 2025 |
Q4 2025 |
Q2 2026 |
| Net Income / (Loss) Attributable to Common Shareholders |
|
97 |
71 |
110 |
101 |
110 |
120 |
79 |
215 |
180 |
210 |
272 |
| Consolidated Net Income / (Loss) |
|
97 |
71 |
110 |
101 |
110 |
120 |
81 |
217 |
188 |
215 |
278 |
| Net Income / (Loss) Continuing Operations |
|
97 |
71 |
110 |
101 |
110 |
120 |
81 |
217 |
188 |
215 |
278 |
| Total Pre-Tax Income |
|
119 |
81 |
134 |
127 |
136 |
145 |
93 |
275 |
237 |
270 |
350 |
| Total Revenue |
|
356 |
371 |
399 |
390 |
406 |
434 |
564 |
689 |
678 |
721 |
778 |
| Net Interest Income / (Expense) |
|
222 |
231 |
239 |
245 |
247 |
269 |
398 |
467 |
475 |
523 |
533 |
| Total Interest Income |
|
472 |
497 |
520 |
538 |
558 |
555 |
738 |
851 |
879 |
887 |
871 |
| Loans and Leases Interest Income |
|
367 |
381 |
386 |
400 |
416 |
411 |
527 |
612 |
629 |
646 |
644 |
| Investment Securities Interest Income |
|
79 |
80 |
86 |
87 |
88 |
96 |
128 |
155 |
171 |
180 |
182 |
| Deposits and Money Market Investments Interest Income |
|
21 |
32 |
45 |
47 |
48 |
42 |
75 |
74 |
69 |
47 |
34 |
| Federal Funds Sold and Securities Borrowed Interest Income |
|
4.57 |
3.54 |
3.06 |
3.67 |
4.99 |
5.90 |
6.95 |
8.73 |
9.37 |
13 |
11 |
| Trading Account Interest Income |
|
0.21 |
0.23 |
0.31 |
0.42 |
0.29 |
0.33 |
0.37 |
0.26 |
0.31 |
0.16 |
0.39 |
| Total Interest Expense |
|
250 |
266 |
281 |
293 |
310 |
286 |
340 |
384 |
404 |
364 |
339 |
| Deposits Interest Expense |
|
192 |
214 |
224 |
241 |
263 |
255 |
303 |
343 |
363 |
327 |
299 |
| Federal Funds Purchased and Securities Sold Interest Expense |
|
23 |
22 |
28 |
28 |
27 |
24 |
26 |
27 |
29 |
27 |
29 |
| Other Interest Expense |
|
35 |
30 |
29 |
25 |
21 |
6.95 |
11 |
13 |
12 |
10 |
11 |
| Total Non-Interest Income |
|
133 |
140 |
159 |
145 |
159 |
165 |
166 |
222 |
203 |
198 |
246 |
| Trust Fees by Commissions |
|
67 |
67 |
69 |
70 |
74 |
77 |
80 |
83 |
88 |
92 |
98 |
| Service Charges on Deposit Accounts |
|
21 |
21 |
21 |
22 |
20 |
21 |
27 |
29 |
29 |
28 |
30 |
| Other Service Charges |
|
42 |
46 |
54 |
49 |
55 |
60 |
58 |
66 |
83 |
70 |
85 |
| Net Realized & Unrealized Capital Gains on Investments |
|
0.27 |
1.01 |
9.37 |
-1.87 |
2.62 |
0.59 |
-4.78 |
38 |
-4.09 |
2.16 |
27 |
| Investment Banking Income |
|
3.77 |
5.75 |
5.46 |
5.46 |
7.12 |
6.19 |
5.91 |
6.17 |
7.03 |
6.20 |
5.31 |
| Provision for Credit Losses |
|
4.98 |
- |
10 |
14 |
18 |
19 |
86 |
21 |
23 |
25 |
28 |
| Total Non-Interest Expense |
|
231 |
290 |
255 |
249 |
252 |
270 |
385 |
393 |
419 |
426 |
400 |
| Salaries and Employee Benefits |
|
133 |
134 |
143 |
143 |
147 |
161 |
221 |
214 |
220 |
229 |
227 |
| Net Occupancy & Equipment Expense |
|
29 |
29 |
29 |
27 |
28 |
27 |
33 |
35 |
36 |
35 |
33 |
| Marketing Expense |
|
6.63 |
6.66 |
6.03 |
6.60 |
6.82 |
9.00 |
8.00 |
11 |
11 |
15 |
14 |
| Property & Liability Insurance Claims |
|
7.23 |
8.42 |
7.89 |
17 |
9.52 |
12 |
29 |
18 |
22 |
24 |
14 |
| Other Operating Expenses |
|
53 |
110 |
67 |
54 |
59 |
60 |
76 |
90 |
105 |
98 |
87 |
| Amortization Expense |
|
2.12 |
2.05 |
1.96 |
1.91 |
1.92 |
1.92 |
17 |
25 |
25 |
25 |
23 |
| Income Tax Expense |
|
23 |
9.88 |
24 |
26 |
26 |
25 |
12 |
58 |
48 |
55 |
73 |
| Preferred Stock Dividends Declared |
|
- |
- |
0.00 |
0.00 |
0.00 |
- |
2.01 |
2.01 |
7.94 |
5.81 |
5.81 |
| Basic Earnings per Share |
|
$1.99 |
$1.46 |
$2.27 |
$2.08 |
$2.25 |
$2.45 |
$1.22 |
$2.84 |
$2.38 |
$2.91 |
$3.58 |
| Weighted Average Basic Shares Outstanding |
|
48.53M |
48.50M |
48.66M |
48.74M |
48.78M |
48.75M |
65.06M |
75.92M |
75.94M |
73.26M |
75.97M |
| Diluted Earnings per Share |
|
$1.98 |
$1.45 |
$2.25 |
$2.07 |
$2.23 |
$2.44 |
$1.21 |
$2.82 |
$2.36 |
$2.90 |
$3.56 |
| Weighted Average Diluted Shares Outstanding |
|
48.76M |
48.76M |
48.92M |
48.97M |
49.08M |
49.06M |
65.50M |
76.24M |
76.37M |
73.67M |
76.39M |
| Weighted Average Basic & Diluted Shares Outstanding |
|
48.53M |
48.74M |
48.74M |
48.75M |
48.80M |
72.59M |
75.92M |
75.93M |
75.95M |
76.14M |
75.95M |
| Cash Dividends to Common per Share |
|
$0.38 |
$0.39 |
$0.39 |
$0.39 |
$0.39 |
$0.40 |
$0.40 |
$0.40 |
$0.40 |
$0.43 |
$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 |
| 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 |
| 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 |
| 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 |
1,916 |
| 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 |
Q2 2026 |
| Total Assets |
|
37,581 |
40,607 |
41,243 |
41,465 |
45,343 |
44,469 |
47,496 |
69,347 |
71,760 |
71,881 |
72,256 |
| Cash and Due from Banks |
|
371 |
472 |
432 |
455 |
357 |
465 |
778 |
917 |
1,088 |
1,073 |
780 |
| Federal Funds Sold |
|
717 |
368 |
320 |
248 |
180 |
247 |
399 |
636 |
737 |
765 |
928 |
| 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 |
4,951 |
| Trading Account Securities |
|
7,146 |
6,929 |
6,701 |
6,358 |
6,586 |
7,141 |
7,057 |
10,936 |
12,193 |
13,417 |
13,541 |
| Loans and Leases, Net of Allowance |
|
19,699 |
21,602 |
22,261 |
22,660 |
23,411 |
-239 |
-249 |
-369 |
-390 |
-405 |
-437 |
| Allowance for Loan and Lease Losses |
|
185 |
211 |
222 |
221 |
226 |
239 |
249 |
369 |
390 |
405 |
437 |
| Accrued Investment Income |
|
154 |
182 |
190 |
209 |
221 |
238 |
219 |
308 |
327 |
332 |
347 |
| Premises and Equipment, Net |
|
261 |
261 |
255 |
249 |
232 |
227 |
222 |
391 |
395 |
399 |
397 |
| Goodwill |
|
182 |
207 |
207 |
207 |
207 |
207 |
207 |
1,798 |
1,889 |
1,912 |
1,914 |
| Intangible Assets |
|
13 |
76 |
75 |
73 |
69 |
67 |
66 |
557 |
532 |
511 |
440 |
| Other Assets |
|
7,271 |
7,388 |
7,431 |
7,449 |
7,406 |
31,476 |
32,195 |
44,360 |
45,039 |
46,061 |
49,470 |
| Total Liabilities & Shareholders' Equity |
|
37,581 |
40,607 |
41,243 |
41,465 |
45,343 |
44,469 |
47,496 |
69,347 |
71,760 |
71,881 |
72,256 |
| Total Liabilities |
|
35,058 |
37,793 |
38,411 |
38,658 |
42,191 |
41,242 |
43,961 |
62,599 |
64,474 |
64,437 |
64,225 |
| Non-Interest Bearing Deposits |
|
13,877 |
12,489 |
12,143 |
11,255 |
13,251 |
12,035 |
12,841 |
18,432 |
18,481 |
16,188 |
16,177 |
| Interest Bearing Deposits |
|
17,929 |
19,443 |
21,378 |
22,177 |
23,663 |
24,483 |
26,862 |
40,089 |
41,506 |
43,948 |
43,589 |
| 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 |
3,084 |
| Short-Term Debt |
|
- |
2,800 |
1,800 |
2,300 |
1,800 |
1,300 |
1,050 |
0.00 |
0.00 |
0.00 |
0.00 |
| Other Short-Term Payables |
|
211 |
- |
257 |
319 |
375 |
- |
387 |
352 |
390 |
453 |
361 |
| Long-Term Debt |
|
382 |
382 |
382 |
383 |
384 |
384 |
385 |
654 |
657 |
471 |
480 |
| Other Long-Term Liabilities |
|
344 |
518 |
401 |
467 |
493 |
823 |
413 |
511 |
508 |
538 |
534 |
| Total Equity & Noncontrolling Interests |
|
2,524 |
2,815 |
2,832 |
2,807 |
3,153 |
3,227 |
3,535 |
6,748 |
7,286 |
7,444 |
8,031 |
| Total Preferred & Common Equity |
|
2,524 |
2,815 |
2,832 |
2,807 |
3,153 |
3,227 |
3,535 |
6,748 |
7,286 |
7,444 |
8,031 |
| Preferred Stock |
|
- |
- |
- |
- |
- |
- |
- |
111 |
405 |
294 |
294 |
| Total Common Equity |
|
2,524 |
2,815 |
2,832 |
2,807 |
3,153 |
3,227 |
3,535 |
6,638 |
6,881 |
7,150 |
7,737 |
| Common Stock |
|
1,176 |
1,176 |
1,180 |
1,183 |
1,183 |
1,187 |
1,193 |
4,072 |
4,080 |
4,081 |
4,095 |
| Retained Earnings |
|
2,454 |
2,610 |
2,681 |
2,759 |
2,903 |
2,984 |
3,075 |
3,225 |
3,410 |
3,560 |
4,198 |
| Treasury Stock |
|
-347 |
-344 |
-344 |
-344 |
-339 |
-339 |
-337 |
-167 |
-166 |
-165 |
-184 |
| Accumulated Other Comprehensive Income / (Loss) |
|
-759 |
-627 |
-686 |
-792 |
-595 |
-606 |
-396 |
-493 |
-442 |
-325 |
-372 |
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 |
| 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 |
|
Q3 2023 |
Q4 2023 |
Q1 2024 |
Q2 2024 |
Q3 2024 |
Q4 2024 |
Q1 2025 |
Q2 2025 |
Q3 2025 |
Q4 2025 |
Q2 2026 |
| DEI Shares Outstanding |
|
- |
- |
- |
- |
- |
- |
- |
- |
- |
- |
76,135,481.00 |
| DEI Adjusted Shares Outstanding |
|
- |
- |
- |
- |
- |
- |
- |
- |
- |
- |
76,135,481.00 |
| DEI Earnings Per Adjusted Shares Outstanding |
|
- |
- |
- |
- |
- |
- |
- |
- |
- |
- |
3.65 |
| Growth Metrics |
|
- |
- |
- |
- |
- |
- |
- |
- |
- |
- |
- |
| Revenue Growth |
|
-1.82% |
0.03% |
7.20% |
7.24% |
14.21% |
17.10% |
41.43% |
76.71% |
67.03% |
- |
12.89% |
| EBITDA Growth |
|
7.70% |
-29.65% |
11.93% |
9.04% |
8.38% |
73.92% |
-34.46% |
85.69% |
50.59% |
- |
11.14% |
| EBIT Growth |
|
9.53% |
-34.76% |
19.97% |
15.35% |
13.83% |
79.23% |
-30.49% |
116.72% |
74.37% |
- |
27.40% |
| NOPAT Growth |
|
9.73% |
-29.20% |
19.28% |
12.47% |
13.56% |
69.19% |
-26.23% |
114.51% |
71.75% |
- |
27.68% |
| Net Income Growth |
|
9.73% |
-29.20% |
19.28% |
12.47% |
13.56% |
69.19% |
-26.23% |
114.51% |
71.75% |
- |
27.68% |
| EPS Growth |
|
9.39% |
-29.27% |
18.42% |
11.89% |
12.63% |
68.28% |
-46.22% |
36.23% |
5.83% |
- |
26.24% |
| Operating Cash Flow Growth |
|
5.89% |
-41.17% |
3,210.38% |
-26.90% |
-46.75% |
-178.69% |
546.59% |
153.98% |
120.15% |
- |
0.00% |
| Free Cash Flow Firm Growth |
|
-538.92% |
-561.74% |
126.71% |
110.14% |
125.28% |
171.70% |
-357.73% |
-1,481.76% |
-538.39% |
- |
89.69% |
| Invested Capital Growth |
|
88.96% |
73.33% |
-11.00% |
-2.04% |
-9.46% |
-27.10% |
38.72% |
61.72% |
59.25% |
- |
7.15% |
| Revenue Q/Q Growth |
|
-2.22% |
4.27% |
7.53% |
-2.17% |
4.13% |
6.91% |
29.86% |
22.24% |
-1.58% |
- |
0.00% |
| EBITDA Q/Q Growth |
|
6.16% |
-27.53% |
47.32% |
-3.80% |
5.52% |
16.30% |
-44.49% |
172.57% |
-14.43% |
- |
0.00% |
| EBIT Q/Q Growth |
|
8.33% |
-32.21% |
65.68% |
-5.20% |
6.90% |
6.75% |
-35.75% |
195.58% |
-13.99% |
- |
0.00% |
| NOPAT Q/Q Growth |
|
7.15% |
-26.55% |
55.46% |
-8.08% |
8.19% |
9.44% |
-32.22% |
167.29% |
-13.38% |
- |
0.00% |
| Net Income Q/Q Growth |
|
7.15% |
-26.55% |
55.46% |
-8.08% |
8.19% |
9.44% |
-32.22% |
167.29% |
-13.38% |
- |
0.00% |
| EPS Q/Q Growth |
|
7.03% |
-26.77% |
55.17% |
-8.00% |
7.73% |
9.42% |
-50.41% |
133.06% |
-16.31% |
- |
0.00% |
| Operating Cash Flow Q/Q Growth |
|
51.07% |
-63.41% |
-33.93% |
100.14% |
10.04% |
-154.08% |
642.87% |
-21.39% |
-4.62% |
- |
0.00% |
| Free Cash Flow Firm Q/Q Growth |
|
-23.87% |
13.00% |
135.58% |
-73.56% |
208.76% |
146.78% |
-227.91% |
-41.77% |
2.04% |
- |
0.00% |
| Invested Capital Q/Q Growth |
|
9.48% |
-3.75% |
1.00% |
-7.96% |
1.19% |
-22.50% |
92.19% |
7.30% |
-0.35% |
- |
0.00% |
| Profitability Metrics |
|
- |
- |
- |
- |
- |
- |
- |
- |
- |
- |
- |
| EBITDA Margin |
|
40.72% |
28.31% |
38.78% |
38.13% |
38.64% |
42.04% |
17.97% |
40.07% |
34.84% |
- |
48.05% |
| EBIT Margin |
|
33.52% |
21.79% |
33.58% |
32.54% |
33.41% |
33.36% |
16.50% |
39.91% |
34.87% |
- |
45.04% |
| Profit (Net Income) Margin |
|
27.15% |
19.13% |
27.66% |
25.98% |
27.00% |
27.64% |
14.42% |
31.54% |
27.76% |
- |
35.68% |
| Tax Burden Percent |
|
81.01% |
87.77% |
82.36% |
79.86% |
80.82% |
82.86% |
87.41% |
79.04% |
79.61% |
- |
79.22% |
| 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 |
|
18.99% |
12.23% |
17.64% |
20.14% |
19.18% |
17.14% |
12.59% |
20.96% |
20.39% |
- |
20.78% |
| Return on Invested Capital (ROIC) |
|
9.46% |
6.71% |
7.27% |
7.93% |
8.08% |
9.86% |
4.06% |
10.27% |
10.19% |
- |
0.00% |
| ROIC Less NNEP Spread (ROIC-NNEP) |
|
9.46% |
6.71% |
7.27% |
7.93% |
8.08% |
9.86% |
4.06% |
10.27% |
10.19% |
- |
0.00% |
| Return on Net Nonoperating Assets (RNNOA) |
|
5.44% |
2.98% |
6.53% |
5.06% |
5.25% |
3.86% |
1.16% |
2.29% |
1.77% |
- |
0.00% |
| Return on Equity (ROE) |
|
14.89% |
9.70% |
13.80% |
13.00% |
13.33% |
13.71% |
5.23% |
12.56% |
11.96% |
- |
0.00% |
| Cash Return on Invested Capital (CROIC) |
|
-52.54% |
-45.25% |
18.14% |
9.70% |
17.43% |
41.01% |
-25.97% |
-38.95% |
-36.29% |
- |
0.00% |
| Operating Return on Assets (OROA) |
|
1.24% |
0.77% |
1.16% |
1.15% |
1.18% |
1.15% |
0.52% |
1.44% |
1.38% |
- |
0.00% |
| Return on Assets (ROA) |
|
1.00% |
0.68% |
0.96% |
0.92% |
0.95% |
0.95% |
0.45% |
1.14% |
1.10% |
- |
0.00% |
| Return on Common Equity (ROCE) |
|
14.89% |
9.70% |
13.80% |
13.00% |
13.33% |
13.71% |
5.17% |
12.08% |
11.64% |
- |
0.00% |
| Return on Equity Simple (ROE_SIMPLE) |
|
13.51% |
0.00% |
11.67% |
11.75% |
11.09% |
0.00% |
6.11% |
7.25% |
8.15% |
- |
0.00% |
| Net Operating Profit after Tax (NOPAT) |
|
97 |
71 |
110 |
101 |
110 |
120 |
81 |
217 |
188 |
- |
278 |
| NOPAT Margin |
|
27.15% |
19.13% |
27.66% |
25.98% |
27.00% |
27.64% |
14.42% |
31.54% |
27.76% |
- |
35.68% |
| 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% |
| SG&A Expenses to Revenue |
|
47.66% |
45.79% |
44.60% |
45.33% |
44.83% |
45.29% |
46.54% |
37.71% |
39.38% |
- |
35.26% |
| Operating Expenses to Revenue |
|
65.08% |
78.21% |
63.91% |
63.86% |
62.16% |
62.27% |
68.24% |
57.05% |
61.81% |
- |
51.36% |
| Earnings before Interest and Taxes (EBIT) |
|
119 |
81 |
134 |
127 |
136 |
145 |
93 |
275 |
237 |
- |
350 |
| Earnings before Interest, Taxes, Depreciation and Amortization (EBITDA) |
|
145 |
105 |
155 |
149 |
157 |
183 |
101 |
276 |
236 |
- |
374 |
| Valuation Ratios |
|
- |
- |
- |
- |
- |
- |
- |
- |
- |
- |
- |
| Price to Book Value (P/BV) |
|
1.05 |
1.29 |
1.33 |
1.26 |
1.45 |
1.59 |
1.11 |
1.16 |
1.26 |
- |
1.40 |
| Price to Tangible Book Value (P/TBV) |
|
1.17 |
1.41 |
1.46 |
1.38 |
1.57 |
1.72 |
1.71 |
1.79 |
1.90 |
- |
2.02 |
| Price to Revenue (P/Rev) |
|
2.02 |
2.73 |
2.82 |
2.68 |
3.27 |
3.38 |
4.09 |
3.81 |
3.80 |
- |
0.00 |
| Price to Earnings (P/E) |
|
7.79 |
11.39 |
11.42 |
10.73 |
13.07 |
12.48 |
17.89 |
15.23 |
15.10 |
- |
0.00 |
| Dividend Yield |
|
2.50% |
1.86% |
1.78% |
1.86% |
1.48% |
1.39% |
1.56% |
1.51% |
1.35% |
- |
1.18% |
| Earnings Yield |
|
12.83% |
8.78% |
8.76% |
9.32% |
7.65% |
8.01% |
5.59% |
6.57% |
6.62% |
- |
0.00% |
| Enterprise Value to Invested Capital (EV/IC) |
|
0.25 |
0.06 |
0.00 |
0.08 |
0.00 |
0.00 |
0.00 |
0.00 |
0.00 |
- |
0.59 |
| Enterprise Value to Revenue (EV/Rev) |
|
0.94 |
0.22 |
0.00 |
0.26 |
0.00 |
0.00 |
0.00 |
0.00 |
0.01 |
- |
0.00 |
| Enterprise Value to EBITDA (EV/EBITDA) |
|
2.43 |
0.61 |
0.00 |
0.72 |
0.00 |
0.00 |
0.00 |
0.00 |
0.03 |
- |
0.00 |
| Enterprise Value to EBIT (EV/EBIT) |
|
2.97 |
0.76 |
0.00 |
0.86 |
0.00 |
0.00 |
0.00 |
0.00 |
0.03 |
- |
0.00 |
| Enterprise Value to NOPAT (EV/NOPAT) |
|
3.64 |
0.91 |
0.00 |
1.05 |
0.00 |
0.00 |
0.00 |
0.00 |
0.03 |
- |
0.00 |
| Enterprise Value to Operating Cash Flow (EV/OCF) |
|
2.59 |
0.67 |
0.00 |
0.82 |
0.00 |
0.00 |
0.00 |
0.00 |
0.02 |
- |
4.58 |
| Enterprise Value to Free Cash Flow (EV/FCFF) |
|
0.00 |
0.00 |
0.00 |
0.83 |
0.00 |
0.00 |
0.00 |
0.00 |
0.00 |
- |
0.00 |
| Leverage & Solvency |
|
- |
- |
- |
- |
- |
- |
- |
- |
- |
- |
- |
| Debt to Equity |
|
0.96 |
0.70 |
0.69 |
0.52 |
0.41 |
0.11 |
0.10 |
0.09 |
0.06 |
- |
0.06 |
| Long-Term Debt to Equity |
|
0.14 |
0.12 |
0.12 |
0.12 |
0.11 |
0.11 |
0.10 |
0.09 |
0.06 |
- |
0.06 |
| Financial Leverage |
|
0.57 |
0.44 |
0.90 |
0.64 |
0.65 |
0.39 |
0.29 |
0.22 |
0.17 |
- |
0.07 |
| Leverage Ratio |
|
14.83 |
14.31 |
14.40 |
14.15 |
14.03 |
14.38 |
11.58 |
11.06 |
10.87 |
- |
9.40 |
| Compound Leverage Factor |
|
14.83 |
14.31 |
14.40 |
14.15 |
14.03 |
14.38 |
11.58 |
11.06 |
10.87 |
- |
9.40 |
| Debt to Total Capital |
|
48.87% |
41.32% |
40.92% |
34.29% |
28.87% |
10.00% |
8.84% |
8.28% |
5.95% |
- |
5.64% |
| Short-Term Debt to Total Capital |
|
41.90% |
34.07% |
33.73% |
26.47% |
21.13% |
0.00% |
0.00% |
0.00% |
0.00% |
- |
0.00% |
| Long-Term Debt to Total Capital |
|
6.97% |
7.25% |
7.19% |
7.82% |
7.74% |
10.00% |
8.84% |
8.28% |
5.95% |
- |
5.64% |
| Preferred Equity to Total Capital |
|
0.00% |
0.00% |
0.00% |
0.00% |
0.00% |
0.00% |
1.50% |
5.10% |
3.72% |
- |
3.46% |
| 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 |
|
51.13% |
58.68% |
59.08% |
65.71% |
71.13% |
90.00% |
89.66% |
86.63% |
90.33% |
- |
90.90% |
| Debt to EBITDA |
|
4.72 |
4.16 |
4.04 |
3.05 |
2.54 |
0.60 |
1.11 |
0.92 |
0.59 |
- |
0.00 |
| Net Debt to EBITDA |
|
-2.77 |
-7.00 |
-9.30 |
-6.63 |
-11.22 |
-13.56 |
-18.17 |
-15.61 |
-11.63 |
- |
0.00 |
| Long-Term Debt to EBITDA |
|
0.67 |
0.73 |
0.71 |
0.69 |
0.68 |
0.60 |
1.11 |
0.92 |
0.59 |
- |
0.00 |
| Debt to NOPAT |
|
7.07 |
6.24 |
5.94 |
4.44 |
3.66 |
0.87 |
1.59 |
1.24 |
0.78 |
- |
0.00 |
| Net Debt to NOPAT |
|
-4.16 |
-10.48 |
-13.67 |
-9.68 |
-16.18 |
-19.76 |
-25.98 |
-21.19 |
-15.25 |
- |
0.00 |
| Long-Term Debt to NOPAT |
|
1.01 |
1.09 |
1.04 |
1.01 |
0.98 |
0.87 |
1.59 |
1.24 |
0.78 |
- |
0.00 |
| Noncontrolling Interest Sharing Ratio |
|
0.00% |
0.00% |
0.00% |
0.00% |
0.00% |
0.00% |
1.12% |
3.85% |
2.68% |
- |
0.00% |
| Liquidity Ratios |
|
- |
- |
- |
- |
- |
- |
- |
- |
- |
- |
- |
| Cash Flow Metrics |
|
- |
- |
- |
- |
- |
- |
- |
- |
- |
- |
- |
| Free Cash Flow to Firm (FCFF) |
|
-2,488 |
-2,164 |
770 |
204 |
629 |
1,552 |
-1,985 |
-2,814 |
-2,757 |
- |
-290 |
| Operating Cash Flow to CapEx |
|
3,665.62% |
2,099.80% |
0.00% |
1,973.76% |
2,878.86% |
-656.89% |
4,225.60% |
1,954.16% |
1,890.60% |
- |
0.00% |
| Free Cash Flow to Firm to Interest Expense |
|
-9.96 |
-8.13 |
2.74 |
0.69 |
2.03 |
5.43 |
-5.83 |
-7.34 |
-6.83 |
- |
-0.86 |
| Operating Cash Flow to Interest Expense |
|
0.93 |
0.32 |
0.20 |
0.38 |
0.40 |
-0.23 |
1.07 |
0.74 |
0.67 |
- |
0.00 |
| Operating Cash Flow Less CapEx to Interest Expense |
|
0.90 |
0.30 |
0.20 |
0.36 |
0.38 |
-0.27 |
1.04 |
0.71 |
0.64 |
- |
0.00 |
| Efficiency Ratios |
|
- |
- |
- |
- |
- |
- |
- |
- |
- |
- |
- |
| Asset Turnover |
|
0.04 |
0.04 |
0.03 |
0.04 |
0.04 |
0.03 |
0.03 |
0.04 |
0.04 |
- |
0.00 |
| Fixed Asset Turnover |
|
5.74 |
5.79 |
6.05 |
6.29 |
6.65 |
7.03 |
5.76 |
6.73 |
7.62 |
- |
0.00 |
| Capital & Investment Metrics |
|
- |
- |
- |
- |
- |
- |
- |
- |
- |
- |
- |
| Invested Capital |
|
5,489 |
5,284 |
5,337 |
4,912 |
4,970 |
3,852 |
7,403 |
7,943 |
7,915 |
- |
8,511 |
| Invested Capital Turnover |
|
0.35 |
0.35 |
0.26 |
0.31 |
0.30 |
0.36 |
0.28 |
0.33 |
0.37 |
- |
0.00 |
| Increase / (Decrease) in Invested Capital |
|
2,584 |
2,235 |
-660 |
-102 |
-519 |
-1,432 |
2,066 |
3,031 |
2,945 |
- |
568 |
| Enterprise Value (EV) |
|
1,379 |
319 |
-825 |
398 |
-1,221 |
-3,212 |
-3,261 |
-2,805 |
21 |
- |
4,984 |
| Market Capitalization |
|
2,956 |
3,988 |
4,201 |
4,066 |
5,124 |
5,507 |
7,339 |
7,984 |
8,986 |
- |
10,869 |
| Book Value per Share |
|
$57.85 |
$63.89 |
$64.79 |
$66.21 |
$72.53 |
$71.04 |
$91.44 |
$90.64 |
$94.17 |
- |
$101.84 |
| Tangible Book Value per Share |
|
$52.07 |
$58.15 |
$59.11 |
$60.58 |
$66.93 |
$65.48 |
$58.99 |
$58.75 |
$62.25 |
- |
$70.85 |
| Total Capital |
|
5,489 |
5,284 |
5,337 |
4,912 |
4,970 |
3,852 |
7,403 |
7,943 |
7,915 |
- |
8,511 |
| Total Debt |
|
2,683 |
2,183 |
2,184 |
1,684 |
1,435 |
385 |
654 |
657 |
471 |
- |
480 |
| Total Long-Term Debt |
|
383 |
383 |
384 |
384 |
385 |
385 |
654 |
657 |
471 |
- |
480 |
| Net Debt |
|
-1,576 |
-3,669 |
-5,027 |
-3,668 |
-6,344 |
-8,719 |
-10,711 |
-11,194 |
-9,259 |
- |
-6,179 |
| Capital Expenditures (CapEx) |
|
6.34 |
4.05 |
-0.16 |
5.69 |
4.30 |
10 |
8.59 |
15 |
14 |
- |
0.00 |
| Net Nonoperating Expense (NNE) |
|
0.00 |
0.00 |
0.00 |
0.00 |
0.00 |
0.00 |
0.00 |
0.00 |
0.00 |
- |
0.00 |
| Net Nonoperating Obligations (NNO) |
|
2,683 |
2,183 |
2,184 |
1,684 |
1,435 |
385 |
654 |
657 |
471 |
- |
480 |
| Total Depreciation and Amortization (D&A) |
|
26 |
24 |
21 |
22 |
21 |
38 |
8.28 |
1.15 |
-0.22 |
- |
23 |
| Earnings Adjustments |
|
- |
- |
- |
- |
- |
- |
- |
- |
- |
- |
- |
| Adjusted Basic Earnings per Share |
|
$1.99 |
$1.46 |
$2.27 |
$2.08 |
$2.25 |
$2.45 |
$1.22 |
$2.84 |
$2.38 |
$2.91 |
$3.58 |
| Adjusted Weighted Average Basic Shares Outstanding |
|
48.53M |
48.50M |
48.66M |
48.74M |
48.78M |
48.75M |
65.06M |
75.92M |
75.94M |
73.26M |
75.97M |
| Adjusted Diluted Earnings per Share |
|
$1.98 |
$1.45 |
$2.25 |
$2.07 |
$2.23 |
$2.44 |
$1.21 |
$2.82 |
$2.36 |
$2.90 |
$3.56 |
| Adjusted Weighted Average Diluted Shares Outstanding |
|
48.76M |
48.76M |
48.92M |
48.97M |
49.08M |
49.06M |
65.50M |
76.24M |
76.37M |
73.67M |
76.39M |
| 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 |
|
48.53M |
48.74M |
48.74M |
48.75M |
48.80M |
72.59M |
75.92M |
75.93M |
75.95M |
76.14M |
75.95M |
| Normalized Net Operating Profit after Tax (NOPAT) |
|
97 |
71 |
110 |
101 |
110 |
120 |
81 |
217 |
188 |
- |
278 |
| Normalized NOPAT Margin |
|
27.15% |
19.13% |
27.66% |
25.98% |
27.00% |
27.64% |
14.42% |
31.54% |
27.76% |
- |
35.68% |
| Pre Tax Income Margin |
|
33.52% |
21.79% |
33.58% |
32.54% |
33.41% |
33.36% |
16.50% |
39.91% |
34.87% |
- |
45.04% |
| Debt Service Ratios |
|
- |
- |
- |
- |
- |
- |
- |
- |
- |
- |
- |
| EBIT to Interest Expense |
|
0.48 |
0.30 |
0.48 |
0.43 |
0.44 |
0.51 |
0.27 |
0.72 |
0.59 |
- |
1.03 |
| NOPAT to Interest Expense |
|
0.39 |
0.27 |
0.39 |
0.35 |
0.35 |
0.42 |
0.24 |
0.57 |
0.47 |
- |
0.82 |
| EBIT Less CapEx to Interest Expense |
|
0.45 |
0.29 |
0.48 |
0.41 |
0.42 |
0.47 |
0.25 |
0.68 |
0.55 |
- |
0.00 |
| NOPAT Less CapEx to Interest Expense |
|
0.36 |
0.25 |
0.39 |
0.33 |
0.34 |
0.38 |
0.21 |
0.53 |
0.43 |
- |
0.00 |
| Payout Ratios |
|
- |
- |
- |
- |
- |
- |
- |
- |
- |
- |
- |
| Dividend Payout Ratio |
|
19.43% |
21.21% |
20.34% |
20.03% |
19.52% |
17.48% |
21.40% |
19.13% |
18.87% |
- |
0.00% |
| Augmented Payout Ratio |
|
21.61% |
23.60% |
22.52% |
22.14% |
21.56% |
19.23% |
25.19% |
22.15% |
21.76% |
- |
0.00% |
Key Financial Trends
UMB Financial’s recent results show strong earnings momentum, although the balance sheet and cash-flow trends remain mixed. In Q2 2026, total revenue increased to $778.0 million from $689.2 million in Q2 2025 and $390.0 million in Q2 2024. Net income rose 28% year over year to $277.6 million, while diluted EPS increased to $3.56 from $2.82. The data indicates that UMB Financial has expanded substantially since 2023, with total assets reaching $72.3 billion in Q2 2026 compared with $41.2 billion in Q2 2023.
Net interest income remains the primary earnings driver. It rose 14% year over year in Q2 2026 to $532.5 million, supported by higher loan and investment-securities interest income. Non-interest income also improved 10.5% to $245.5 million, led by stronger trust fees, service charges and investment gains. However, the latest balance sheet shows a modest decline in cash and due from banks, while the allowance for loan and lease losses increased to $437.4 million from $389.9 million a year earlier.
The cash-flow data shows that operating cash flow was positive in the reported quarters, but investment activity consistently consumed significant cash as UMB purchased investment securities. The company generated $106.1 million of operating cash flow in Q4 2025 but reported a $1.1 billion decrease in cash and equivalents for the quarter. No Q2 2026 cash-flow statement was provided, so the latest quarter’s cash-generation trend cannot be fully evaluated.
- Accelerating profitability: Q2 2026 net income increased 28% year over year, while diluted EPS rose 26% to $3.56.
- Stronger net interest income: Net interest income increased from $467.0 million in Q2 2025 to $532.5 million in Q2 2026, continuing the longer-term growth trend from $225.6 million in Q2 2023.
- Broad-based revenue growth: Non-interest income reached $245.5 million in Q2 2026, up from $222.2 million a year earlier and $138.1 million in Q2 2023.
- Improved operating leverage: Total non-interest expense rose only 1.6% year over year to $399.6 million, well below the 12.9% increase in total revenue.
- Growing capital base: Total common equity increased to $7.7 billion in Q2 2026 from $6.9 billion in Q2 2025, providing a larger capital cushion for future growth.
- Lower long-term debt: Long-term debt declined to $480.1 million in Q2 2026 from $657.3 million in Q2 2025, reducing reliance on this funding source.
- Deposit growth is modest: Total deposits were approximately $59.8 billion in Q2 2026, only slightly above the roughly $59.0 billion reported in Q2 2025. Interest-bearing deposits increased, but non-interest-bearing deposits declined.
- Investment portfolio remains significant: Trading account securities increased to $13.5 billion in Q2 2026 from $12.2 billion in Q2 2025, which may support income but also exposes results to market and interest-rate movements.
- Higher credit-loss reserve: The allowance for loan and lease losses increased 12% year over year to $437.4 million, while the quarterly provision for credit losses rose to $28 million from $21 million.
- Volatile cash balances and investment spending: Cash flow from investing activities was sharply negative in the available 2024 and 2025 quarters because of heavy investment-security purchases. Q4 2025 ended with a $1.1 billion decline in cash and equivalents, highlighting potential liquidity and funding pressure.
09/04/26 02:16 AM ETAI Generated. May Contain Errors.