UMB FINANCIAL CORP UMBF
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.
Valuation FY2025 figures against the last close
Annual financial statements
Income statement
| Fiscal year | FY2025 | FY2024 | FY2023 | FY2022 | FY2021 | FY2020 | FY2019 | FY2018 | FY2017 | FY2016 |
|---|---|---|---|---|---|---|---|---|---|---|
| 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 | 9.35 | 9.05 | 7.22 | 8.93 | 7.31 | 5.95 | 4.99 | 3.97 | 5.02 | 3.25 |
| EPS, diluted | 9.29 | 8.99 | 7.18 | 8.86 | 7.24 | 5.93 | 4.96 | 3.93 | 4.96 | 3.22 |
| Shares, diluted (wtd. avg.) | $73.7M | $49.1M | $48.8M | $48.7M | $48.7M | $48.3M | $49.1M | $49.8M | $49.8M | $49.3M |
Balance sheet
| Fiscal year | FY2025 | FY2024 | FY2023 | FY2022 | FY2021 | FY2020 | FY2019 | FY2018 | FY2017 | FY2016 |
|---|---|---|---|---|---|---|---|---|---|---|
| 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 | FY2025 | FY2024 | FY2023 | FY2022 | FY2021 | FY2020 | FY2019 | FY2018 | FY2017 | FY2016 |
|---|---|---|---|---|---|---|---|---|---|---|
| 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.
Others in SIC 6021
| Ticker | Company | Market cap | P/E | Revenue growth |
|---|---|---|---|---|
| JPM | JPMORGAN CHASE & CO | $953.33B | 17.9x | 2.8% |
| BAC | BANK OF AMERICA CORP /DE/ | $438.31B | 16.5x | 6.8% |
| WFC | WELLS FARGO & COMPANY/MN | $272.07B | 14.4x | -3.8% |
| C | CITIGROUP INC | $240.92B | 19.7x | 5.6% |
| COF | CAPITAL ONE FINANCIAL CORP | $136.66B | 54.5x | 36.3% |
| USB | US BANCORP \DE\ | $98.73B | 13.7x | 4.4% |
| PNC | PNC FINANCIAL SERVICES GROUP, INC. | $97.98B | 14.8x | 7.2% |
| TFC | TRUIST FINANCIAL CORP | $63.10B | 13.5x | -2.1% |