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UMB Financial (UMBF)

NASDAQ

$138.42+$1.48 (+1.08%)

Price as of Jun 23, 2026 2:49 PM EDT

$10.4B
Market Cap
36.56%
1-Year Change
Banks - Regional
Industry

Annual

Quarterly

	12/31/2025	12/31/2024	12/31/2023	12/31/2022
Income Statement
Total Operating Revenue	1.9B +86.05%	1.0B +8.78%	920.1M -45.61%	1.7B +27.32%
Cost of Revenue	N/A N/A	N/A N/A	N/A N/A	N/A N/A
Gross Profit	1.9B +86.05%	1.0B +8.78%	920.1M -45.61%	1.7B +27.32%
Sales and Marketing Expense	45.7M +60.63%	28.4M +10.45%	25.7M +0.19%	25.7M +38.67%
Research and Development Expense	N/A N/A	N/A N/A	N/A N/A	N/A N/A
Depreciation and Amortization Expense	141.8M +168.65%	52.8M -10.14%	58.7M +8.70%	54.0M -3.09%
Total Operating Expenses	1.6B +58.06%	1.0B +2.76%	999.1M +11.25%	898.1M +7.74%
Operating Profit	875.0M +61.65%	541.3M +28.38%	421.6M -20.75%	532.0M +23.99%
Interest Income	3.4B +54.50%	2.2B +18.07%	1.8B +61.64%	1.1B +32.04%
Interest Expense	N/A N/A	N/A N/A	-918.6M +310.59%	-223.7M +386.34%
Interest Income and Expense and Net	3.4B +54.50%	2.2B +135.95%	920.1M +0.69%	913.8M +12.05%
Total Nonoperating Income and Expense	1.9B +86.05%	1.0B +8.78%	920.1M +0.69%	913.8M +12.05%
Income before Taxes	875.0M +61.65%	541.3M +28.38%	421.6M -20.75%	532.0M +23.99%
Income Taxes	172.6M +72.51%	100.0M +39.75%	71.6M -28.66%	100.3M +31.94%
Extraordinary Items	0 N/A	0 N/A	0 N/A	0 N/A
Net Income	702.4M +59.19%	441.2M +26.06%	350.0M -18.92%	431.7M +22.28%
Net Income from Continuing Operations Applicable to Common	684.6M +26.48%	541.3M +28.38%	421.6M -20.75%	532.0M +23.99%
Basic EPS and Net Income	9.35 +3.31%	9.05 +25.35%	7.22 -19.15%	8.93 +22.16%
Diluted EPS and Net Income	9.29 +3.34%	8.99 +25.21%	7.18 -18.96%	8.86 +22.38%
Basic Weighted Average Shares	73.3M +50.28%	48.7M +0.50%	48.5M +0.34%	48.3M +0.14%
Diluted Weighted Average Shares	73.7M +50.17%	49.1M +0.60%	48.8M +0.03%	48.7M +0.02%
Balance Sheet
Cash and Cash Equivalents	952.5M +66.19%	573.2M +28.17%	447.2M -10.68%	500.7M +20.99%
Short-Term Investments	N/A N/A	N/A N/A	N/A N/A	N/A N/A
Cash and Cash Equivalents and Short-Term Investments	952.5M +66.19%	573.2M +28.17%	447.2M -10.68%	500.7M +20.99%
Total Current Assets	2.1B +36.32%	1.5B +28.21%	1.2B +12.54%	1.1B +26.38%
Accumulated Depreciation	447.0M +6.82%	418.5M +5.98%	394.9M +6.17%	372.0M +4.04%
Property and Plant and Equipment and Net	398.3M +79.58%	221.8M -8.24%	241.7M -8.33%	263.6M -2.69%
Total Long-Term Assets	2.1B +36.32%	1.5B +28.21%	1.2B +12.54%	1.1B +26.38%
Total Assets	73.1B +45.00%	50.4B +14.54%	44.0B +14.28%	38.5B -9.79%
Income Taxes Payable	435.4M +18.16%	368.5M -5.49%	389.9M +62.70%	239.6M -3.96%
Total Short-Term Debt	0 -100.00%	1.8B 0.00%	1.8B N/A	0 N/A
Total Current Liabilities	435.4M +18.16%	368.5M -5.49%	389.9M +62.70%	239.6M -3.96%
Total Long-Term Debt	474.2M +23.08%	385.3M +0.53%	383.2M +0.51%	381.3M +40.42%
Total Long-Term Liabilities	474.2M +23.08%	385.3M +0.53%	383.2M +0.51%	381.3M +40.42%
Total Liabilities	65.4B +39.32%	46.9B +14.74%	40.9B +14.13%	35.8B -9.36%
Retained Earnings	3.7B +17.68%	3.2B +12.95%	2.8B +10.83%	2.5B +16.49%
Total Stockholders Equity	7.7B +121.94%	3.5B +11.81%	3.1B +16.25%	2.7B -15.21%
Total Shares Outstanding	76.0M +55.61%	48.8M +0.54%	48.6M +0.49%	48.3M -0.23%
Cash Flow
Cash from Operating Activities	1.0B +355.73%	225.3M -52.33%	472.6M -38.59%	769.6M +44.09%
Capital Expenditures	48.6M +100.71%	24.2M -10.05%	26.9M -47.97%	51.7M +53.52%
Cash from Investing Activities	-5.6B +72.26%	-3.3B +156.23%	-1.3B -66.89%	-3.8B -9.21%
Dividends Paid	135.6M +75.84%	77.1M +3.88%	74.2M +3.08%	72.0M +7.91%
Cash from Financing Activities	3.9B -34.26%	6.0B +24.87%	4.8B +204.15%	-4.6B -148.64%
Financials Ratio
Gross Margin	N/A N/A	N/A N/A	N/A N/A	N/A N/A
Operating Margin	46.98% -13.12%	54.08% +18.02%	45.82% +45.71%	31.45% -2.62%
Return on Assets	1.14% +21.71%	0.93% +10.17%	0.85% -20.21%	1.06% +14.18%
Return on Equity	12.59% -6.33%	13.44% +10.71%	12.14% -18.28%	14.85% +29.64%
Revenue Growth	86.05% +880.24%	8.78% +119.25%	-45.61% -266.93%	27.32% +1,035.92%
Current Ratio	4.79 +15.38%	4.15 +35.66%	3.06 -30.83%	4.43 +31.59%
Cash Ratio	2.19 +40.65%	1.56 +35.61%	1.15 -45.10%	2.09 +25.97%
Debt-to-Equity Ratio	0.06 -90.23%	0.63 -10.48%	0.70 +392.45%	0.14 +65.70%
Debt-to-Assets Ratio	0.007 -85.02%	0.04 -12.50%	0.05 +401.01%	0.010 +54.69%

Earnings & Revenue History

Debt-to-Assets

Cash Flow