UMBF
$130.01-1.39%
as of close, Sep 30, 2026
☾ AH $130.01 -1.39%
UMB Financial CorporationStock · FinanceRussell 2000 0.3%Nasdaq Composite 0.02%Russell 3000 0.01%US Stock Market 0.01%
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.
As-reported fiscal years.
| Line item | Trend | 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+62.8% | 1.63B+11.4% | 1.46B-0.4% | 1.47B+14.4% | 1.28B-0.7% | ||
| Noninterest income | 790M+25.8% | 628M+15.9% | 542M-2.2% | 554M+18.6% | 467M-16.6% | |
| Amortization of intangibles | 93.5M+1113.8% | 7.71M-10.3% | 8.59M+70.5% | 5.04M+5.9% | 4.76M-27.0% | |
| Noninterest expense | 1.62B+58.1% | 1.03B+2.8% | 999M+11.2% | 898M+7.7% | 834M+1.4% | |
| Provision for credit losses | 155M+153.1% | 61.0M+48.1% | 41.2M+8.8% | 37.9M+89.5% | 20.0M-84.7% | |
| Interest expense | — | — | 919M+310.6% | 224M+386.3% | 46.0M-40.5% | |
| Interest & investment income | 3.35B+54.5% | 2.17B+18.1% | 1.84B+61.6% | 1.14B+32.0% | 862M+6.6% | |
| Net interest income | 1.86B+86.1% | 1.00B+8.8% | 920M+0.7% | 914M+12.1% | 816M+11.5% | |
| Pre-tax income | 875M+61.6% | 541M+28.4% | 422M-20.8% | 532M+24.0% | 429M+26.6% | |
| Income tax | 173M+72.5% | 100M+39.7% | 71.6M-28.7% | 100M+31.9% | 76.0M+45.2% | |
| 702M+59.2% | 441M+26.1% | 350M-18.9% | 432M+22.3% | 353M+23.2% | ||
| Net income to common | 685M+55.2% | 441M+26.1% | 350M | — | — | |
| $9.29+3.3% | $8.99+25.2% | $7.18-19.0% | $8.86+22.4% | $7.24+22.1% | ||
| EPS (basic) | $9.35+3.3% | $9.05+25.3% | $7.22-19.1% | $8.93+22.2% | $7.31+22.9% | |
| Weighted-avg shares (basic) | 73.3M+50.3% | 48.7M+0.5% | 48.5M+0.3% | 48.3M+0.1% | 48.3M+0.3% | |
| Weighted-avg shares (diluted) | 73.7M+50.2% | 49.1M+0.6% | 48.8M+0.0% | 48.7M+0.0% | 48.7M+0.8% | |
| Dividends per share | $1.63+3.8% | $1.57+2.6% | $1.53+2.7% | $1.49+8.0% | $1.38+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-8.0% | 8.45B+52.8% | 5.53B+254.9% | 1.56B-83.1% | 9.21B+163.5% | |
| Cash & short-term investments | 9.44B+3.7% | 9.10B+55.6% | 5.85B+121.8% | 2.64B-74.8% | 10.5B+101.7% | |
| 73.1B+45.0% | 50.4B+14.5% | 44.0B+14.3% | 38.5B-9.8% | 42.7B+28.9% | ||
| Property, plant & equipment | 398M+79.6% | 222M-8.2% | 242M-8.3% | 264M-2.7% | 271M-7.6% | |
| Operating lease right-of-use | 63.5M+33.4% | 47.6M-4.8% | 50.0M-8.4% | 54.6M-4.4% | 57.1M-9.9% | |
| Goodwill | 1.84B+787.2% | 207M+0.0% | 207M+0.0% | 207M+18.8% | 175M-3.5% | |
| Intangible assets | 487M+665.0% | 63.6M-10.4% | 71.0M+0.0% | 71.0M+392.6% | 14.4M-31.5% | |
| Short-term & current debt | — | — | 1.80B | — | — | |
| 65.4B+39.3% | 46.9B+14.7% | 40.9B+14.1% | 35.8B-9.4% | 39.5B+31.3% | ||
| Long-term debt | 474M+23.1% | 385M+0.5% | 383M+0.5% | 381M+40.4% | 272M+0.7% | |
| Operating lease liability (total) | 72.7M+31.9% | 55.1M-6.5% | 58.9M-7.2% | 63.5M-1.7% | 64.6M-9.9% | |
| 7.69B+121.9% | 3.47B+11.8% | 3.10B+16.2% | 2.67B-15.2% | 3.15B+4.3% | ||
| Preferred stock | 294M | — | — | — | — | |
| Common stock | 78.7M+42.9% | 55.1M+0.0% | 55.1M+0.0% | 55.1M+0.0% | 55.1M+0.0% | |
| Additional paid-in capital | 4.01B+250.1% | 1.15B+1.0% | 1.13B+0.7% | 1.13B+1.4% | 1.11B+1.8% | |
| Retained earnings | 3.74B+17.7% | 3.17B+13.0% | 2.81B+10.8% | 2.54B+16.5% | 2.18B+15.1% | |
| Treasury stock | 165M-50.9% | 336M-2.0% | 343M-1.3% | 347M+7.4% | 323M-4.3% | |
| Accumulated other comprehensive income | -262M+54.4% | -573M-2.9% | -557M+20.7% | -703M-656.3% | 126M-60.3% | |
| Total liabilities & equity | 73.1B+45.0% | 50.4B+14.5% | 44.0B+14.3% | 38.5B-9.8% | 42.7B+28.9% | |
| Common shares issued | 78.7M+42.9% | 55.1M+0.0% | 55.1M+0.0% | 55.1M+0.0% | 55.1M+0.0% | |
| Common shares outstanding | 76.0M+55.6% | 48.8M+0.5% | 48.6M+0.5% | 48.3M-0.2% | 48.4M+0.9% | |
| Shares outstanding (cover) | 76.1M+4.9% | 72.6M+48.9% | 48.7M+0.5% | 48.5M+0.1% | 48.5M+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+355.7% | 225M-52.3% | 473M-38.6% | 770M+44.1% | 534M+43.0% | ||
| Depreciation & amortization | 142M+168.7% | 52.8M-10.1% | 58.7M+8.7% | 54.0M-3.1% | 55.7M-11.2% | |
| Intangible amortization | 93.5M+1113.8% | 7.71M-10.3% | 8.59M+70.5% | 5.04M+5.9% | 4.76M-27.0% | |
| Share-based compensation | 37.7M+67.2% | 22.6M+20.8% | 18.7M-13.0% | 21.5M+1.3% | 21.2M+40.3% | |
| Deferred income taxes | 82.8M+612.1% | -16.2M+20.9% | -20.4M-224.0% | -6.31M+50.4% | -12.7M-163.1% | |
| -5.62B-72.3% | -3.26B-156.2% | -1.27B+66.9% | -3.85B+9.2% | -4.24B+5.7% | ||
| Capital expenditure | 48.6M+142.8% | 20.0M-13.4% | 23.1M-55.3% | 51.7M+53.5% | 33.7M-44.1% | |
| Free cash flow | 978M+376.5% | 205M-54.3% | 450M-37.4% | 718M+43.5% | 500M+59.7% | |
| Acquisitions | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | |
| Sales/maturities of investments | 1.66B-77.5% | 7.38B+513.1% | 1.20B+8.1% | 1.11B-36.1% | 1.74B-29.0% | |
| Proceeds from sale of PP&E | — | 4.20M+10.3% | 3.81M-43.5% | 6.73M+72.6% | 3.90M-54.5% | |
| 3.92B-34.3% | 5.96B+24.9% | 4.77B+204.2% | -4.58B-148.6% | 9.42B+58.4% | ||
| Long-term debt issued | 0.00 | 0.00 | 0.00-100.0% | 110M | 0.00-100.0% | |
| 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+127.8% | 7.74M-7.5% | 8.37M-73.9% | 32.0M+481.1% | 5.51M-91.4% | |
| Dividends paid | 136M+75.8% | 77.1M+3.9% | 74.2M+3.1% | 72.0M+7.9% | 66.8M+10.7% | |
| Net change in cash | -677M-123.2% | 2.92B-26.4% | 3.97B+151.9% | -7.66B-233.9% | 5.72B+212.7% | |
| Interest paid | 1.47B+21.7% | 1.20B+42.7% | 844M+329.8% | 196M+317.1% | 47.1M-44.0% | |
| Income taxes paid | 63.2M-17.8% | 76.9M-3.0% | 79.3M-22.2% | 102M+10.1% | 92.6M+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+6.9% | 8.19B+102.1% | 4.05B+0.5% | 4.04B-21.5% | 5.14B+54.7% | |
| P/E | 12.5×-32.8% | 18.6×+73.7% | 10.7×+8.6% | 9.8×-32.4% | 14.6×+25.5% | |
| P/S | 3.3×-34.3% | 5.0×+81.3% | 2.8×-1.9% | 2.8×-29.4% | 4.0×+55.7% | |
| P/B | 1.1×-51.8% | 2.4×+63.6% | 1.4×-9.6% | 1.6×-2.2% | 1.6×+48.4% | |
| P/FCF | 9.0×-77.6% | 39.9×+383.8% | 8.2×+53.2% | 5.4×-47.6% | 10.3×-3.1% | |
| Earnings yield | 8.0%+48.9% | 5.4%-42.4% | 9.4%-7.9% | 10.2%+48.0% | 6.9%-20.3% | |
| FCF yield | 11.2%+345.7% | 2.5%-79.3% | 12.1%-34.7% | 18.6%+90.9% | 9.7%+3.2% | |
| Dividend yield | 1.4%+1.9% | 1.4%-24.0% | 1.8%+2.6% | 1.8%+37.2% | 1.3%-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.