UMBF · Umb Financial Corp - Financials
Annual line items from SEC XBRL filings, sourced from EDGAR's Company Facts API with fallback to the quarterly Financial Statement Data Sets. See issuer overview for Form 4 activity and 10-K signals.
Income Statement
| Line item | Q1 '26 | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 |
|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | - | - | - | - | - | - | - | - | - | - |
| Cost of Revenue | - | - | - | - | - | - | - | - | - | - |
| Gross Profit | - | - | - | - | - | - | - | - | - | - |
| R&D | - | - | - | - | - | - | - | - | - | - |
| SG&A | - | - | - | - | - | - | - | - | - | - |
| Total Operating Expenses | - | - | - | - | - | - | - | - | - | - |
| D&A | $35.09M | - | - | - | $29.37M | - | - | - | $13.82M | - |
| Operating Income | $331.28M | - | $236.56M | $275.04M | $93.05M | - | $135.66M | $126.91M | $133.87M | - |
| Interest Expense | - | - | - | - | - | - | - | $293.17M | $280.63M | - |
| Income Tax | $69.84M | - | $48.24M | $57.65M | $11.72M | - | $26.02M | $25.57M | $23.62M | - |
| Net Income | $261.44M | - | $188.32M | $217.39M | $81.33M | - | $109.64M | $101.34M | $110.26M | - |
| EPS - Basic | $3.36 | - | $2.38 | $2.84 | $1.22 | - | $2.25 | $2.08 | $2.27 | - |
| EPS - Diluted | $3.35 | - | $2.36 | $2.82 | $1.21 | - | $2.23 | $2.07 | $2.25 | - |
Balance Sheet
| Line item | Q1 '26 | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 |
|---|---|---|---|---|---|---|---|---|---|---|
| Cash & Equivalents | $6.26B | $7.77B | $8.84B | $11.00B | $10.61B | $8.45B | $7.28B | $5.02B | $6.94B | $5.53B |
| Accounts Receivable | - | - | - | - | - | - | - | - | - | - |
| Inventory | - | - | - | - | - | - | - | - | - | - |
| Accounts Payable | - | - | - | - | - | - | - | - | - | - |
| Current Assets | - | - | - | - | - | - | - | - | - | - |
| Total Assets | $72.67B | $73.09B | $71.88B | $71.76B | $69.35B | $50.41B | $47.50B | $44.47B | $45.34B | $44.01B |
| Current Liabilities | - | - | - | - | - | - | - | - | - | - |
| Long-term Debt | $477.16M | $474.23M | $471.33M | $657.32M | $654.38M | $385.29M | $384.76M | $384.25M | $383.74M | $383.25M |
| Total Liabilities | $64.85B | $65.40B | $64.44B | $64.47B | $62.60B | $46.94B | $43.96B | $41.24B | $42.19B | $40.91B |
| Stockholders' Equity | $7.83B | $7.69B | $7.44B | $7.29B | $6.75B | $3.47B | $3.54B | $3.23B | $3.15B | $3.10B |
| Retained Earnings | $3.96B | $3.74B | $3.56B | $3.41B | $3.22B | $3.17B | $3.07B | $2.98B | $2.90B | $2.81B |
Cash Flow
| Line item | Q1 '26 | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 |
|---|---|---|---|---|---|---|---|---|---|---|
| Operating Cash Flow | $361.27M | - | - | - | $363.02M | - | - | - | $56.14M | - |
| Investing Cash Flow | ($1.35B) | - | - | - | $663.20M | - | - | - | $158.39M | - |
| Financing Cash Flow | ($522.21M) | - | - | - | $1.14B | - | - | - | $1.20B | - |
| CapEx | $4.52M | - | - | - | $8.82M | - | - | - | $2.38M | - |
| Free Cash Flow | $356.76M | - | - | - | $354.20M | - | - | - | $53.77M | - |
Ratios
| Metric | Q1 '26 | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 |
|---|---|---|---|---|---|---|---|---|---|---|
| Profitability | ||||||||||
| Gross margin | - | - | - | - | - | - | - | - | - | - |
| Operating margin | - | - | - | - | - | - | - | - | - | - |
| EBITDA margin | - | - | - | - | - | - | - | - | - | - |
| Net margin | - | - | - | - | - | - | - | - | - | - |
| Free cash flow margin | - | - | - | - | - | - | - | - | - | - |
| FCF / Net income | 1.36 | - | - | - | 4.35 | - | - | - | 0.49 | - |
| R&D / Revenue | - | - | - | - | - | - | - | - | - | - |
| SG&A / Revenue | - | - | - | - | - | - | - | - | - | - |
| Effective tax rate | 21.1% | - | 20.4% | 21.0% | 12.6% | - | 19.2% | 20.1% | 17.6% | - |
| Return on assets | 0.4% | - | 0.3% | 0.3% | 0.1% | - | 0.2% | 0.2% | 0.2% | - |
| Return on equity | 3.3% | - | 2.5% | 3.0% | 1.2% | - | 3.1% | 3.1% | 3.5% | - |
| Return on invested capital | 3.1% | - | 2.4% | 2.7% | 1.1% | - | 2.8% | 2.8% | 3.1% | - |
| Liquidity | ||||||||||
| Current ratio | - | - | - | - | - | - | - | - | - | - |
| Quick ratio | - | - | - | - | - | - | - | - | - | - |
| Cash ratio | - | - | - | - | - | - | - | - | - | - |
| Leverage | ||||||||||
| Debt / Equity | 0.06 | 0.06 | 0.06 | 0.09 | 0.10 | 0.11 | 0.11 | 0.12 | 0.12 | 0.12 |
| Debt / Assets | 0.01 | 0.01 | 0.01 | 0.01 | 0.01 | 0.01 | 0.01 | 0.01 | 0.01 | 0.01 |
| Debt / EBITDA | 1.30 | - | - | - | 5.35 | - | - | - | 2.60 | - |
| Interest coverage | - | - | - | - | - | - | - | 0.4x | 0.5x | - |
| Equity multiplier | 9.29 | 9.50 | 9.66 | 9.85 | 10.28 | 14.54 | 13.43 | 13.78 | 14.38 | 14.20 |
| Liabilities / Assets | 0.89 | 0.89 | 0.90 | 0.90 | 0.90 | 0.93 | 0.93 | 0.93 | 0.93 | 0.93 |
| Efficiency | ||||||||||
| Asset turnover | - | - | - | - | - | - | - | - | - | - |
| Inventory turnover | - | - | - | - | - | - | - | - | - | - |
| Days sales outstanding | - | - | - | - | - | - | - | - | - | - |
| Days inventory outstanding | - | - | - | - | - | - | - | - | - | - |
| Days payable outstanding | - | - | - | - | - | - | - | - | - | - |
| Cash conversion cycle | - | - | - | - | - | - | - | - | - | - |
| Valuation | ||||||||||
| P / E | 33.7x | - | 50.1x | 37.3x | 83.6x | - | 47.1x | 40.3x | 38.7x | - |
| P / B | 1.1x | - | 1.2x | 1.1x | 1.0x | - | 1.5x | 1.3x | 1.3x | - |
| P / S | - | - | - | - | - | - | - | - | - | - |
| EV / EBITDA | 7.7x | - | - | - | -27.2x | - | - | - | -15.6x | - |
| Growth | ||||||||||
| Revenue growth (YoY) | - | - | - | - | - | - | - | - | - | - |
| Revenue CAGR (3y) | - | - | - | - | - | - | - | - | - | - |
| Revenue CAGR (5y) | - | - | - | - | - | - | - | - | - | - |
| Gross profit growth (YoY) | - | - | - | - | - | - | - | - | - | - |
| Operating income growth (YoY) | 256.0% | - | 74.4% | 116.7% | -30.5% | - | 13.8% | 15.4% | 20.0% | - |
| Net income growth (YoY) | 221.4% | - | 71.8% | 114.5% | -26.2% | - | 13.6% | 12.5% | 19.3% | - |
| EPS growth (YoY) | 176.9% | - | 5.8% | 36.2% | -46.2% | - | 12.6% | 11.9% | 18.4% | - |
| EPS CAGR (3y) | 20.8% | - | 9.2% | -0.1% | -17.7% | - | 4.8% | 5.0% | 5.6% | - |
| EPS CAGR (5y) | 11.9% | - | 9.2% | 17.5% | - | - | 11.9% | 12.3% | 13.8% | - |
| FCF growth (YoY) | 0.7% | - | - | - | 558.8% | - | - | - | - | - |
| FCF CAGR (5y) | 26.5% | - | - | - | - | - | - | - | 8.3% | - |
| Book value growth (YoY) | 16.0% | 121.9% | 110.5% | 125.8% | 114.0% | 11.8% | 26.0% | 14.0% | 12.0% | 16.2% |
Sales by segment
From XBRL dimensional facts in the 10-K period ending 2025-12-31.
Business segments
$716.69M totalInstitutional Banking$406.00M · 56.6%
Commercial Banking$177.68M · 24.8%
Personal Banking$133.02M · 18.6%
Product / service
$179.28M totalCredit Card$105.36M · 58.8%
Deposit Account$61.90M · 34.5%
Other Financial Services$7.33M · 4.1%
Fiduciary And Trust$2.81M · 1.6%
Insurance Fees And Commissions$910.0K · 0.5%
Trading And Investment Banking$695.0K · 0.4%
Brokerage Fees$277.0K · 0.2%
Peer comparison
Same SIC group: National Commercial Banks
Comparing UMB FINANCIAL CORP against the 5 most active filers in the same SIC group.
Dividends
$1.66/share trailing 12 months · +5.1% YoY
| Ex-date | Per share |
|---|---|
| Mar 10, 2026 | $0.4300 |
| Dec 10, 2025 | $0.4300 |
| Sep 10, 2025 | $0.4000 |
| Jun 10, 2025 | $0.4000 |
| Mar 10, 2025 | $0.4000 |
| Dec 10, 2024 | $0.4000 |
| Sep 10, 2024 | $0.3900 |
| Jun 10, 2024 | $0.3900 |
| Mar 8, 2024 | $0.3900 |
| Dec 8, 2023 | $0.3900 |
| Sep 8, 2023 | $0.3800 |
| Jun 9, 2023 | $0.3800 |
| Mar 9, 2023 | $0.3800 |
| Dec 9, 2022 | $0.3800 |
| Sep 9, 2022 | $0.3700 |
| Jun 9, 2022 | $0.3700 |
| Mar 9, 2022 | $0.3700 |
| Dec 9, 2021 | $0.3700 |
| Sep 9, 2021 | $0.3700 |
| Jun 9, 2021 | $0.3200 |
| Mar 9, 2021 | $0.3200 |
| Dec 9, 2020 | $0.3200 |
| Sep 9, 2020 | $0.3100 |
| Jun 9, 2020 | $0.3100 |