UMBF financial statements

The full income statement, balance sheet, and cash-flow statement for UMB Financial Corporation (UMBF), plus valuation ratios — straight from SEC filings. Switch between annual, quarterly, and trailing-twelve-month figures, pick how far back to look, and flip the time order. Every line has a trend sparkline.

Shares outstanding (point-in-time)

2024-06 48.7M2024-09 48.8M2024-12 72.6M2025-03 75.9M2025-06 75.9M2025-09 76.0M2025-12 76.1M2026-03 76.0M2026-06 76.0M+55.8% over 8 periods

SEC-filed end-of-period counts (cover pages and balance sheets, split-adjusted) — the series realized buyback yield is computed from. The weighted-average share lines in the statements below lag these by design: an average over the year sits near the midpoint of an ongoing buyback.

PeriodRangeOrderChangeYoYQoQFiguresAs-reported fiscal years.

Line item	FY2025	FY2024	FY2023	FY2022	FY2021
Income Statement	as ofDec 31 ’25	as ofDec 31 ’24	as ofDec 31 ’23	as ofDec 31 ’22	as ofDec 31 ’21
	2.65B YoY+62.8%	1.63B YoY+11.4%	1.46B YoY-0.4%	1.47B YoY+14.4%	1.28B YoY-0.7%
Noninterest income	790M YoY+25.8%	628M YoY+15.9%	542M YoY-2.2%	554M YoY+18.6%	467M YoY-16.6%
Amortization of intangibles	93.5M YoY+1113.8%	7.71M YoY-10.3%	8.59M YoY+70.5%	5.04M YoY+5.9%	4.76M YoY-27.0%
Noninterest expense	1.62B YoY+58.1%	1.03B YoY+2.8%	999M YoY+11.2%	898M YoY+7.7%	834M YoY+1.4%
Provision for credit losses	155M YoY+153.1%	61.0M YoY+48.1%	41.2M YoY+8.8%	37.9M YoY+89.5%	20.0M YoY-84.7%
Interest expense	—	—	919M YoY+310.6%	224M YoY+386.3%	46.0M YoY-40.5%
Interest & investment income	3.35B YoY+54.5%	2.17B YoY+18.1%	1.84B YoY+61.6%	1.14B YoY+32.0%	862M YoY+6.6%
Net interest income	1.86B YoY+86.1%	1.00B YoY+8.8%	920M YoY+0.7%	914M YoY+12.1%	816M YoY+11.5%
Pre-tax income	875M YoY+61.6%	541M YoY+28.4%	422M YoY-20.8%	532M YoY+24.0%	429M YoY+26.6%
Income tax	173M YoY+72.5%	100M YoY+39.7%	71.6M YoY-28.7%	100M YoY+31.9%	76.0M YoY+45.2%
	702M YoY+59.2%	441M YoY+26.1%	350M YoY-18.9%	432M YoY+22.3%	353M YoY+23.2%
Net income to common	685M YoY+55.2%	441M YoY+26.1%	350M	—	—
	$9.29 YoY+3.3%	$8.99 YoY+25.2%	$7.18 YoY-19.0%	$8.86 YoY+22.4%	$7.24 YoY+22.1%
EPS (basic)	$9.35 YoY+3.3%	$9.05 YoY+25.3%	$7.22 YoY-19.1%	$8.93 YoY+22.2%	$7.31 YoY+22.9%
	73.3M YoY+50.3%	48.7M YoY+0.5%	48.5M YoY+0.3%	48.3M YoY+0.1%	48.3M YoY+0.3%
	73.7M YoY+50.2%	49.1M YoY+0.6%	48.8M YoY+0.0%	48.7M YoY+0.0%	48.7M YoY+0.8%
Dividends per share	$1.63 YoY+3.8%	$1.57 YoY+2.6%	$1.53 YoY+2.7%	$1.49 YoY+8.0%	$1.38 YoY+10.4%
Balance Sheet	as ofDec 31 ’25	as ofDec 31 ’24	as ofDec 31 ’23	as ofDec 31 ’22	as ofDec 31 ’21
Cash & equivalents	7.77B YoY-8.0%	8.45B YoY+52.8%	5.53B YoY+254.9%	1.56B YoY-83.1%	9.21B YoY+163.5%
Cash & short-term investments	9.44B YoY+3.7%	9.10B YoY+55.6%	5.85B YoY+121.8%	2.64B YoY-74.8%	10.5B YoY+101.7%
	73.1B YoY+45.0%	50.4B YoY+14.5%	44.0B YoY+14.3%	38.5B YoY-9.8%	42.7B YoY+28.9%
Property, plant & equipment	398M YoY+79.6%	222M YoY-8.2%	242M YoY-8.3%	264M YoY-2.7%	271M YoY-7.6%
Operating lease right-of-use	63.5M YoY+33.4%	47.6M YoY-4.8%	50.0M YoY-8.4%	54.6M YoY-4.4%	57.1M YoY-9.9%
Goodwill	1.84B YoY+787.2%	207M YoY+0.0%	207M YoY+0.0%	207M YoY+18.8%	175M YoY-3.5%
Intangible assets	487M YoY+665.0%	63.6M YoY-10.4%	71.0M YoY+0.0%	71.0M YoY+392.6%	14.4M YoY-31.5%
Short-term & current debt	—	—	1.80B	—	—
	65.4B YoY+39.3%	46.9B YoY+14.7%	40.9B YoY+14.1%	35.8B YoY-9.4%	39.5B YoY+31.3%
Long-term debt	474M YoY+23.1%	385M YoY+0.5%	383M YoY+0.5%	381M YoY+40.4%	272M YoY+0.7%
Operating lease liability (total)	72.7M YoY+31.9%	55.1M YoY-6.5%	58.9M YoY-7.2%	63.5M YoY-1.7%	64.6M YoY-9.9%
	7.69B YoY+121.9%	3.47B YoY+11.8%	3.10B YoY+16.2%	2.67B YoY-15.2%	3.15B YoY+4.3%
Preferred stock	294M	—	—	—	—
Common stock	78.7M YoY+42.9%	55.1M YoY+0.0%	55.1M YoY+0.0%	55.1M YoY+0.0%	55.1M YoY+0.0%
Additional paid-in capital	4.01B YoY+250.1%	1.15B YoY+1.0%	1.13B YoY+0.7%	1.13B YoY+1.4%	1.11B YoY+1.8%
Retained earnings	3.74B YoY+17.7%	3.17B YoY+13.0%	2.81B YoY+10.8%	2.54B YoY+16.5%	2.18B YoY+15.1%
Treasury stock	165M YoY-50.9%	336M YoY-2.0%	343M YoY-1.3%	347M YoY+7.4%	323M YoY-4.3%
Accumulated other comprehensive income	-262M YoY+54.4%	-573M YoY-2.9%	-557M YoY+20.7%	-703M YoY-656.3%	126M YoY-60.3%
Total liabilities & equity	73.1B YoY+45.0%	50.4B YoY+14.5%	44.0B YoY+14.3%	38.5B YoY-9.8%	42.7B YoY+28.9%
	78.7M YoY+42.9%	55.1M YoY+0.0%	55.1M YoY+0.0%	55.1M YoY+0.0%	55.1M YoY+0.0%
	76.0M YoY+55.6%	48.8M YoY+0.5%	48.6M YoY+0.5%	48.3M YoY-0.2%	48.4M YoY+0.9%
	76.1M YoY+4.9%	72.6M YoY+48.9%	48.7M YoY+0.5%	48.5M YoY+0.1%	48.5M YoY+0.6%
Cash Flow	as ofDec 31 ’25	as ofDec 31 ’24	as ofDec 31 ’23	as ofDec 31 ’22	as ofDec 31 ’21
	1.03B YoY+355.7%	225M YoY-52.3%	473M YoY-38.6%	770M YoY+44.1%	534M YoY+43.0%
Depreciation & amortization	142M YoY+168.7%	52.8M YoY-10.1%	58.7M YoY+8.7%	54.0M YoY-3.1%	55.7M YoY-11.2%
Intangible amortization	93.5M YoY+1113.8%	7.71M YoY-10.3%	8.59M YoY+70.5%	5.04M YoY+5.9%	4.76M YoY-27.0%
Share-based compensation	37.7M YoY+67.2%	22.6M YoY+20.8%	18.7M YoY-13.0%	21.5M YoY+1.3%	21.2M YoY+40.3%
Deferred income taxes	82.8M YoY+612.1%	-16.2M YoY+20.9%	-20.4M YoY-224.0%	-6.31M YoY+50.4%	-12.7M YoY-163.1%
	-5.62B YoY-72.3%	-3.26B YoY-156.2%	-1.27B YoY+66.9%	-3.85B YoY+9.2%	-4.24B YoY+5.7%
Capital expenditure	48.6M YoY+142.8%	20.0M YoY-13.4%	23.1M YoY-55.3%	51.7M YoY+53.5%	33.7M YoY-44.1%
Free cash flow	978M YoY+376.5%	205M YoY-54.3%	450M YoY-37.4%	718M YoY+43.5%	500M YoY+59.7%
Acquisitions	0.00	0.00	0.00	0.00	0.00
Sales/maturities of investments	1.66B YoY-77.5%	7.38B YoY+513.1%	1.20B YoY+8.1%	1.11B YoY-36.1%	1.74B YoY-29.0%
Proceeds from sale of PP&E	—	4.20M YoY+10.3%	3.81M YoY-43.5%	6.73M YoY+72.6%	3.90M YoY-54.5%
	3.92B YoY-34.3%	5.96B YoY+24.9%	4.77B YoY+204.2%	-4.58B YoY-148.6%	9.42B YoY+58.4%
Long-term debt issued	0.00	0.00	0.00 YoY-100.0%	110M	0.00 YoY-100.0%
Long-term debt repaid	200M	0.00	0.00	0.00	0.00
Common stock issued	235M	0.00	0.00	0.00	0.00
Common stock repurchased	17.6M YoY+127.8%	7.74M YoY-7.5%	8.37M YoY-73.9%	32.0M YoY+481.1%	5.51M YoY-91.4%
Dividends paid	136M YoY+75.8%	77.1M YoY+3.9%	74.2M YoY+3.1%	72.0M YoY+7.9%	66.8M YoY+10.7%
Net change in cash	-677M YoY-123.2%	2.92B YoY-26.4%	3.97B YoY+151.9%	-7.66B YoY-233.9%	5.72B YoY+212.7%
Interest paid	1.47B YoY+21.7%	1.20B YoY+42.7%	844M YoY+329.8%	196M YoY+317.1%	47.1M YoY-44.0%
Income taxes paid	63.2M YoY-17.8%	76.9M YoY-3.0%	79.3M YoY-22.2%	102M YoY+10.1%	92.6M YoY+171.8%
Valuation Ratios	as ofDec 31 ’25	as ofDec 31 ’24	as ofDec 31 ’23	as ofDec 31 ’22	as ofDec 31 ’21
Market cap	8.76B YoY+6.9%	8.19B YoY+102.1%	4.05B YoY+0.5%	4.04B YoY-21.5%	5.14B YoY+54.7%
P/E	12.5× YoY-32.8%	18.6× YoY+73.7%	10.7× YoY+8.6%	9.8× YoY-32.4%	14.6× YoY+25.5%
P/S	3.3× YoY-34.3%	5.0× YoY+81.3%	2.8× YoY-1.9%	2.8× YoY-29.4%	4.0× YoY+55.7%
P/B	1.1× YoY-51.8%	2.4× YoY+63.6%	1.4× YoY-9.6%	1.6× YoY-2.2%	1.6× YoY+48.4%
P/FCF	9.0× YoY-77.6%	39.9× YoY+383.8%	8.2× YoY+53.2%	5.4× YoY-47.6%	10.3× YoY-3.1%
	8.0% YoY+48.9%	5.4% YoY-42.4%	9.4% YoY-7.9%	10.2% YoY+48.0%	6.9% YoY-20.3%
	11.2% YoY+345.7%	2.5% YoY-79.3%	12.1% YoY-34.7%	18.6% YoY+90.9%	9.7% YoY+3.2%
	1.4% YoY+1.9%	1.4% YoY-24.0%	1.8% YoY+2.6%	1.8% YoY+37.2%	1.3% YoY-28.2%
Source filing	10-K	10-K	10-K	10-K	10-K

About this data

Source: UMBF's SEC filings (10-K / 10-Q). Annual columns are as-reported fiscal years; quarterly columns are as-reported fiscal quarters (Q4 derived as full-year minus the first three quarters where a company doesn't file a standalone Q4); TTM (quarterly) rolls the trailing four quarters at every quarter end, TTM (yearly) samples that one year apart; balance-sheet rows show the period-end balance. Valuation ratios are sampled as of each period end. View all UMBF filings on SEC EDGAR → Not investment advice.