insiderdelta
CoverageForm 410-K10-Q8-K13D13G13F

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.

Price · UMBF

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AnnualQuarterly

Income Statement

Line itemFY 2025FY 2024FY 2023FY 2022FY 2021FY 2020
Revenue------
Cost of Revenue------
Gross Profit------
R&D------
SG&A------
Total Operating Expenses------
D&A$141.77M$52.77M$58.72M$54.02M$55.75M$62.80M
Operating Income$874.96M$541.27M$421.60M$532.01M$429.06M$338.89M
Interest Expense--$918.59M$223.72M$46.00M$77.26M
Income Tax$172.56M$100.03M$71.58M$100.33M$76.04M$52.39M
Net Income$702.40M$441.24M$350.02M$431.68M$353.02M$286.50M
EPS - Basic$9.35$9.05$7.22$8.93$7.31$5.95
EPS - Diluted$9.29$8.99$7.18$8.86$7.24$5.93

Balance Sheet

Line itemFY 2025FY 2024FY 2023FY 2022FY 2021FY 2020
Cash & Equivalents$7.77B$8.45B$5.53B$1.56B$9.21B$3.50B
Accounts Receivable------
Inventory------
Accounts Payable------
Current Assets------
Total Assets$73.09B$50.41B$44.01B$38.51B$42.69B$33.13B
Current Liabilities------
Long-term Debt$474.23M$385.29M$383.25M$381.31M$271.54M$269.60M
Total Liabilities$65.40B$46.94B$40.91B$35.85B$39.55B$30.11B
Stockholders' Equity$7.69B$3.47B$3.10B$2.67B$3.15B$3.02B
Retained Earnings$3.74B$3.17B$2.81B$2.54B$2.18B$1.89B

Cash Flow

Line itemFY 2025FY 2024FY 2023FY 2022FY 2021FY 2020
Operating Cash Flow$1.03B$225.29M$472.60M$769.55M$534.08M$373.60M
Investing Cash Flow($5.62B)($3.26B)($1.27B)($3.85B)($4.24B)($4.49B)
Financing Cash Flow$3.92B$5.96B$4.77B($4.58B)$9.42B$5.95B
CapEx$48.58M$24.21M$26.91M$51.72M$33.69M$60.22M
Free Cash Flow$978.11M$201.08M$445.69M$717.84M$500.39M$313.38M

Ratios

MetricFY 2025FY 2024FY 2023FY 2022FY 2021FY 2020
Profitability
Gross margin------
Operating margin------
EBITDA margin------
Net margin------
Free cash flow margin------
FCF / Net income1.390.461.271.661.421.09
R&D / Revenue------
SG&A / Revenue------
Effective tax rate19.7%18.5%17.0%18.9%17.7%15.5%
Return on assets1.0%0.9%0.8%1.1%0.8%0.9%
Return on equity9.1%12.7%11.3%16.2%11.2%9.5%
Return on invested capital8.6%11.5%10.0%14.2%10.3%8.7%
Liquidity
Current ratio------
Quick ratio------
Cash ratio------
Leverage
Debt / Equity0.060.110.120.140.090.09
Debt / Assets0.010.010.010.010.010.01
Debt / EBITDA0.470.650.800.650.560.67
Interest coverage--0.5x2.4x9.3x4.4x
Equity multiplier9.5014.5414.2014.4413.5710.98
Liabilities / Assets0.890.930.930.930.930.91
Efficiency
Asset turnover------
Inventory turnover------
Days sales outstanding------
Days inventory outstanding------
Days payable outstanding------
Cash conversion cycle------
Valuation
P / E12.4x12.6x11.6x9.4x14.7x11.6x
P / B1.1x1.6x1.3x1.5x1.6x1.1x
P / S------
EV / EBITDA1.2x-4.3x-2.2x4.9x-7.8x0.3x
Growth
Revenue growth (YoY)------
Revenue CAGR (3y)------
Revenue CAGR (5y)------
Gross profit growth (YoY)------
Operating income growth (YoY)61.6%28.4%-20.8%24.0%26.6%18.5%
Net income growth (YoY)59.2%26.1%-18.9%22.3%23.2%17.6%
EPS growth (YoY)3.3%25.2%-19.0%22.4%22.1%19.6%
EPS CAGR (3y)1.6%7.5%6.6%21.3%22.6%6.1%
EPS CAGR (5y)9.4%12.6%12.8%12.3%17.6%19.4%
FCF growth (YoY)386.4%-54.9%-37.9%43.5%59.7%16.5%
FCF CAGR (5y)25.6%-5.7%13.3%22.5%15.3%5.4%
Book value growth (YoY)121.9%11.8%16.2%-15.2%4.3%15.7%

Sales by segment

From XBRL dimensional facts in the 10-K period ending 2025-12-31.

Business segments

$716.69M total
Institutional Banking$406.00M · 56.6%
Commercial Banking$177.68M · 24.8%
Personal Banking$133.02M · 18.6%

Product / service

$179.28M total
Credit 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%

Stability scores

Piotroski F-score

FY 2025 · 9-point quality

4/9
Neutral
  • ✓Net income positive
  • ✓Operating cash flow positive
  • ✓ROA improved YoY
  • ✓Cash flow > net income
  • ✗Long-term debt decreased
  • -Current ratio improved
  • ✗No share dilution
  • -Gross margin improved
  • -Asset turnover improved

Peer comparison

Same SIC group: National Commercial Banks

CompanyRevenue (last FY)Net marginROE
HBAN---
ZION$662.00M135.8%12.5%
JPM$182.45B31.3%15.7%
SFNC$5.63M-7060.1%-11.6%
BAC$113.10B27.0%10.1%

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-datePer 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