20 years of revenue, earnings, cash-flow and balance-sheet history from public filings.
UMB Financial Corporation (UMBF) operates in the BANKS - REGIONAL industry and is headquartered in Kansas City, United States with about 5,222 employees. Its market capitalization is roughly $10 billion. In the fiscal year ended 2025-12-31, UMBF reported $4.4B in revenue and $702M in net income.
UMB Financial Corporation operates as a bank holding company that provides banking services and asset servicing in the United States and internationally. The company operates through three segments: Commercial Banking, Institutional Banking, and Personal Banking.
Interactive charts & full statements → Open the UMBF valuation workbench →
| Income statement | TTM → 2026-06-30 | 2025-12-31 | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 | 2020-12-31 | 2019-12-31 | 2018-12-31 | 2017-12-31 | 2016-12-31 | 2015-12-31 | 2014-12-31 | 2013-12-31 | 2012-12-31 | 2011-12-31 | 2010-12-31 | 2009-12-31 | 2008-12-31 | 2007-12-31 | 2006-12-31 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Total Revenue | $2.7B | $4.4B | $2.6B | $2.2B | $1.6B | $1.2B | $1.3B | $1.2B | $1.1B | $979M | $869M | $745M | $787M | $808M | $728M | $692M | $645M | $666M | $701M | $703M | $624M |
| Gross Profit | — | $2.4B | $1.4B | $1.3B | $1.3B | $1.2B | $1.1B | $995M | $877M | $880M | $809M | $711M | $756M | $731M | $691M | $644M | $577M | $581M | $570M | $512M | $463M |
| Gross Margin % | — | 54.4% | 53.3% | 57.2% | 83.5% | 94.7% | 84.0% | 81.6% | 82.0% | 89.9% | 93.1% | 95.4% | 96.1% | 90.6% | 94.9% | 92.9% | 89.5% | 87.2% | 81.3% | 72.8% | 74.3% |
| Operating Income (EBIT) | — | $900M | $541M | $422M | $532M | $429M | $339M | $286M | $224M | $236M | $199M | $128M | $258M | $260M | $170M | $146M | $127M | $120M | $140M | $105M | $81M |
| Operating Margin % | — | 20.2% | 20.5% | 18.8% | 33.6% | 34.5% | 26.2% | 23.4% | 20.9% | 24.1% | 22.9% | 17.2% | 32.8% | 32.2% | 23.4% | 21.1% | 19.7% | 18.1% | 20.0% | 14.9% | 13.0% |
| Net Income | $943M | $702M | $441M | $350M | $432M | $353M | $287M | $244M | $196M | $247M | $159M | $116M | $121M | $134M | $123M | $106M | $91M | $89M | $98M | $74M | $60M |
| Net Margin % | 35.0% | 15.8% | 16.7% | 15.6% | 27.3% | 28.4% | 22.1% | 20.0% | 18.3% | 25.2% | 18.3% | 15.6% | 15.3% | 16.6% | 16.9% | 15.4% | 14.1% | 13.4% | 14.0% | 10.5% | 9.6% |
| EBITDA | — | $1.1B | $594M | $480M | $586M | $485M | $402M | $342M | $277M | $291M | $253M | $181M | $211M | $229M | $211M | $189M | $166M | $159M | $178M | $142M | $116M |
| Earnings Per Share (EPS) | — | $9.18 | $8.99 | $7.18 | $8.86 | $7.24 | $5.93 | $4.96 | $3.93 | $4.96 | $3.22 | $2.44 | $2.65 | $3.25 | $3.07 | $2.64 | $2.26 | $2.20 | $2.38 | $1.77 | $1.40 |
| Shares Outstanding (M) | — | 76M | 49M | 49M | 49M | 49M | 48M | 49M | 50M | 50M | 49M | 48M | 46M | 41M | 40M | 40M | 40M | 41M | 41M | 42M | 43M |
USD; $M / $B as marked. Newest period first. Source: public company filings (via Yahoo Finance aggregation).
| Quarterly income statement | 2026-03-31 | 2025-12-31 | 2025-09-30 | 2025-06-30 | 2025-03-31 | 2024-12-31 | 2024-09-30 | 2024-06-30 |
|---|---|---|---|---|---|---|---|---|
| Total Revenue | $867M | $1.1B | $1.5B | $1.0B | $851M | $680M | $674M | $642M |
| Gross Profit | $534M | $721M | $660M | $612M | $424M | $375M | $346M | $334M |
| Gross Margin % | 61.6% | 66.4% | 44.3% | 60.2% | 49.9% | 55.2% | 51.3% | 52.1% |
| Operating Income (EBIT) | $126M | $295M | $237M | $275M | $93M | $145M | $136M | $127M |
| Operating Margin % | 14.6% | 27.2% | 15.9% | 27.1% | 10.9% | 21.3% | 20.1% | 19.8% |
| Net Income | $261M | $215M | $188M | $217M | $81M | $120M | $110M | $101M |
| Net Margin % | 30.1% | 19.8% | 12.6% | 21.4% | 9.6% | 17.6% | 16.3% | 15.8% |
| EBITDA | $150M | $321M | $304M | $313M | $122M | $158M | $149M | $140M |
| Earnings Per Share (EPS) | $3.43 | $2.82 | $2.50 | $2.85 | $1.24 | $2.44 | $2.23 | $2.07 |
| Shares Outstanding (M) | 76M | 76M | 75M | 76M | 65M | 49M | 49M | 49M |
USD; $M / $B as marked. Newest period first. Source: public company filings (via Yahoo Finance aggregation).
| Cash flow | TTM → 2026-06-30 | 2025-12-31 | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 | 2020-12-31 | 2019-12-31 | 2018-12-31 | 2017-12-31 | 2016-12-31 | 2015-12-31 | 2014-12-31 | 2013-12-31 | 2012-12-31 | 2011-12-31 | 2010-12-31 | 2009-12-31 | 2008-12-31 | 2007-12-31 | 2006-12-31 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Cash from Operations (CFO) | $1.1B | $1.0B | $225M | $473M | $770M | $534M | $374M | $341M | $296M | $327M | $296M | $211M | $246M | $295M | $224M | $213M | $180M | $147M | $134M | $131M | $129M |
| Capital Expenditures (CapEx) | $48M | $49M | $24M | $27M | $52M | $34M | $60M | $72M | $58M | $36M | $51M | $54M | $45M | $38M | $44M | $36M | $33M | $23M | $21M | $28M | $40M |
| Free Cash Flow (FCF) | $1.0B | $978M | $201M | $446M | $718M | $500M | $313M | $269M | $238M | $290M | $246M | $157M | $201M | $257M | $180M | $177M | $147M | $123M | $113M | $103M | $89M |
| FCF Margin % | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — |
| Dividends Paid | $151M | $136M | $77M | $74M | $72M | $67M | $60M | $59M | $58M | $52M | $49M | $46M | $41M | $36M | $34M | $32M | $30M | $29M | $27M | $29M | $22M |
USD; $M / $B as marked. Newest period first. Source: public company filings (via Yahoo Finance aggregation).
| Quarterly cash flow | 2026-06-30 | 2026-03-31 | 2025-12-31 | 2025-09-30 | 2025-06-30 | 2025-03-31 | 2024-12-31 | 2024-09-30 | 2024-06-30 |
|---|---|---|---|---|---|---|---|---|---|
| Cash from Operations (CFO) | $349M | $361M | $106M | $272M | $285M | $363M | ($67M) | $124M | $112M |
| Capital Expenditures (CapEx) | $18M | $5M | $11M | $14M | $15M | $9M | $10M | $6M | $6M |
| Free Cash Flow (FCF) | $331M | $357M | $95M | $258M | $271M | $354M | ($77M) | $118M | $107M |
| FCF Margin % | — | — | — | — | — | — | — | — | — |
| Dividends Paid | — | $40M | $41M | $33M | $32M | $30M | $20M | $19M | $20M |
USD; $M / $B as marked. Newest period first. Source: public company filings (via Yahoo Finance aggregation).
| Balance sheet | 2026-06-30 | 2025-12-31 | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 | 2020-12-31 | 2019-12-31 | 2018-12-31 | 2017-12-31 | 2016-12-31 | 2015-12-31 | 2014-12-31 | 2013-12-31 | 2012-12-31 | 2011-12-31 | 2010-12-31 | 2009-12-31 | 2008-12-31 | 2007-12-31 | 2006-12-31 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Total Assets | $72.3B | $73.1B | $50.4B | $44.0B | $38.5B | $42.7B | $33.1B | $26.6B | $23.4B | $21.8B | $20.7B | $19.1B | $17.5B | $16.9B | $14.9B | $13.5B | $12.4B | $11.7B | $11.0B | $9.3B | $8.9B |
| Cash & Cash Equivalents | — | $953M | $8.6B | $5.6B | $1.7B | $9.3B | $3.5B | $1.7B | $1.7B | $1.7B | $1.1B | $981M | $2.0B | $2.6B | $1.4B | $1.6B | $1.2B | $1.5B | $999M | $807M | $531M |
| Total Liabilities | $64.2B | $65.4B | $46.9B | $40.9B | $381M | $272M | $270M | $97M | $21.1B | $19.6B | $18.7B | $17.2B | $15.9B | $15.4B | $13.6B | $12.3B | $11.3B | $10.6B | $10.0B | $8.5B | $8.1B |
| Total Debt (Short + Long-Term) | — | $3.6B | $3.0B | $3.5B | $2.6B | $3.5B | $2.6B | $2.0B | $1.6B | $1.3B | $1.9B | $1.9B | $2.0B | $1.6B | $1.8B | $2.0B | $2.1B | $2.0B | $2.2B | $1.8B | $1.7B |
| Total Shareholders' Equity | $8.0B | $7.7B | $3.5B | $3.1B | $38.1B | $42.4B | $32.9B | $26.5B | $2.2B | $2.2B | $2.0B | $1.9B | $1.6B | $1.5B | $1.3B | $1.2B | $1.1B | $1.0B | $975M | $891M | $849M |
USD; $M / $B as marked. Newest period first. Source: public company filings (via Yahoo Finance aggregation).
Quarterly statements, profitability ratios, price history, insider activity and institutional holders are in the interactive UMBF viewer.
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