UMB FINANCIAL CORP UMBF

Financials SIC 6021 - National Commercial Banks NAICS Finance and Insurance › Credit Intermediation and Related Activities › Depository Credit Intermediation › Commercial Banking derived Nasdaq

UMB Financial Corporation (together with its consolidated subsidiaries, unless the context requires otherwise, the Company) is a financial holding company that is headquartered in Kansas City, Missouri. The Company provides banking services and asset servicing to its customers in the United States and around the globe.

The Company was organized as a corporation under Missouri law in 1967 and is registered as a bank holding company under the Bank Holding Company Act of 1956, as amended (the BHCA) and a financial holding company under the Gramm-Leach-Bliley Act of 1999, as amended (the GLBA). The Company currently owns all of the outstanding stock of one national bank and several nonbank subsidiaries.

Last close 135.51 2026-10-23
Market cap $10.29B 2026-06-30 share count
52-week range 103.38 - 153.32

Valuation FY2025 figures against the last close

P/S3.1x
P/E14.6x
P/FCF10.5x
EV/EBITDA—
Dividend yield1.3%
Diluted EPS9.29

Annual financial statements

Income statement

Fiscal year FY2025FY2024FY2023FY2022FY2021FY2020FY2019FY2018FY2017FY2016
Revenue $3.35B$2.17B$1.84B$1.14B$861.5M$808.5M$862.9M$732.0M$616.9M$523.0M
Interest expense $1.86B$1.00B$920.1M$913.8M$46.0M$77.3M$192.0M$121.5M$58.0M$27.7M
Pre-tax income $875.0M$541.3M$421.6M$532.0M$429.1M$338.9M$286.0M$223.6M$236.3M$198.6M
Income tax $172.6M$100.0M$71.6M$100.3M$76.0M$52.4M$42.4M$27.3M$53.4M$45.0M
Net income $702.4M$441.2M$350.0M$431.7M$353.0M$286.5M$243.6M$195.5M$247.1M$158.8M
EPS, basic 9.359.057.228.937.315.954.993.975.023.25
EPS, diluted 9.298.997.188.867.245.934.963.934.963.22
Shares, diluted (wtd. avg.) 73.7M49.1M48.8M48.7M48.7M48.3M49.1M49.8M49.8M49.3M

Balance sheet

Fiscal year FY2025FY2024FY2023FY2022FY2021FY2020FY2019FY2018FY2017FY2016
Cash and equivalents $7.77B$8.45B$5.53B$1.56B$9.21B$3.50B$1.67B$1.67B$1.72B$1.06B
Property, plant and equipment $398.3M$221.8M$241.7M$263.6M$270.9M$293.1M$300.3M$283.9M$275.9M$289.0M
Goodwill $1.84B$207.4M$207.4M$207.4M$174.5M$180.9M$180.9M$180.9M$180.9M$180.9M
Other intangibles $486.9M$63.6M$71.0M$78.7M$14.4M$21.1M$27.6M$15.0M$20.3M$26.6M
Total assets $73.09B$50.41B$44.01B$38.51B$42.69B$33.13B$26.56B$23.35B$21.77B$20.68B
Short-term debt ——$1.80B———————
Long-term debt $474.2M$385.3M$383.2M$381.3M$271.5M$269.6M$70.4M$82.7M$79.3M$76.8M
Total liabilities $65.40B$46.94B$40.91B$35.85B$39.55B$30.11B$23.95B$21.12B$19.59B$18.72B
Retained earnings $3.74B$3.17B$2.81B$2.54B$2.18B$1.89B$1.67B$1.49B$1.34B$1.14B
Total equity $7.69B$3.47B$3.10B$2.67B$3.15B$3.02B$2.61B$2.23B$2.18B$1.96B

Cash flow

Fiscal year FY2025FY2024FY2023FY2022FY2021FY2020FY2019FY2018FY2017FY2016
Operating cash flow $1.03B$225.3M$472.6M$769.6M$534.1M$373.6M$339.9M$295.7M$326.5M$296.4M
Depreciation and amortisation —————————-$2.3M
Stock-based compensation $37.7M$22.6M$18.7M$21.5M$21.2M$15.1M$14.8M$11.1M$13.3M$11.7M
Capital expenditure $48.6M$20.0M$23.1M$51.7M$33.7M$60.2M$72.3M$57.9M$36.4M$50.8M
Investing cash flow -$5.62B-$3.26B-$1.27B-$3.85B-$4.24B-$4.49B-$2.99B-$1.75B-$478.6M-$1.50B
Financing cash flow $3.92B$5.96B$4.77B-$4.58B$9.42B$5.95B$2.64B$1.41B$804.3M$1.45B
Dividends paid $135.6M$77.1M$74.2M$72.0M$66.8M$60.3M$59.4M$58.3M$51.9M$49.0M
Buybacks $17.6M$7.7M$8.4M$32.0M$5.5M$63.8M$4.5M$76.5M$15.3M$16.4M

Figures as tagged in each year's own filing, in US dollars. A year restated by a later filing shows the restated figure. Capital expenditure, dividends and buybacks are cash out, shown positive. A line the filer does not report is not listed. Latest from accession 0001193125-26-076496.

Plot the figures US dollars

Income statement Revenue Cost of revenue Gross profit R&D SG&A Total operating expenses Operating income Interest expense Pre-tax income Income tax Net income EPS, basic EPS, diluted Shares, diluted (wtd. avg.)
Balance sheet Cash and equivalents Short-term investments Receivables Inventory Total current assets Property, plant and equipment Goodwill Other intangibles Total assets Accounts payable Short-term debt Total current liabilities Long-term debt Total liabilities Retained earnings Total equity
Cash flow Operating cash flow Depreciation and amortisation Stock-based compensation Capital expenditure Investing cash flow Financing cash flow Dividends paid Buybacks
  • Revenue
  • Gross profit
  • Net income
Revenue, Gross profit, Net income by fiscal year, in US dollars The same figures are in the table below this chart. 0 1B 2B 3B 4B Revenue, FY2016: 523M Net income, FY2016: 158.8M Revenue, FY2017: 616.9M Net income, FY2017: 247.1M Revenue, FY2018: 732M Net income, FY2018: 195.5M Revenue, FY2019: 862.9M Net income, FY2019: 243.6M Revenue, FY2020: 808.5M Net income, FY2020: 286.5M Revenue, FY2021: 861.5M Net income, FY2021: 353M Revenue, FY2022: 1.1B Net income, FY2022: 431.7M Revenue, FY2023: 1.8B Net income, FY2023: 350M Revenue, FY2024: 2.2B Net income, FY2024: 441.2M Revenue, FY2025: 3.4B Net income, FY2025: 702.4M FY2016 FY2017 FY2018 FY2019 FY2020 FY2021 FY2022 FY2023 FY2024 FY2025
Fiscal year FY2016FY2017FY2018FY2019FY2020FY2021FY2022FY2023FY2024FY2025
Revenue $523.0M $616.9M $732.0M $862.9M $808.5M $861.5M $1.14B $1.84B $2.17B $3.35B
Gross profit — — — — — — — — — —
Net income $158.8M $247.1M $195.5M $243.6M $286.5M $353.0M $431.7M $350.0M $441.2M $702.4M

Recent filings and events

  • Regulation FD disclosure Something the company told the market and had to tell everyone at once - usually a slide deck or a press release. Item 7.01
  • Results announced The quarterly or annual earnings release. Arrives four times a year from almost every company here. Item 2.02
  • Other event The catch-all. The company chose to disclose something that fits no other item, so the content is whatever it says it is. Item 8.01
  • Shareholder vote The results of the annual meeting or a special vote. Item 5.07
  • Results announced Item 2.02
  • Other event Item 8.01
  • Annual report filed A new 10-K. The figures and the business description on this site come from it. Form 10-K
  • Officer or director change Someone at the top arrived or left. The item covers everything from a board retirement to a chief executive being removed, and only the filing itself says which. Item 5.02
  • Results announced Item 2.02
  • Other event Item 8.01
  • Results announced Item 2.02
  • Other event Item 8.01

Item numbers are Form 8-K's own, and a filing date is up to four business days after the thing it reports. The same feed across the whole market.

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