Umb Financial Corp (UMBF) Financial Statements
Industry: National Commercial Banks
In fiscal 2025, Umb Financial reported revenue of $2.65B, up 62.8% from $1.63B the year before. Net income was $702.4M (a 26.5% net margin), or $9.29 per diluted share. Net interest income was $1.86B, and the efficiency ratio (noninterest expense / revenue) was 61.2%. Operating activities generated $1.03B of cash, leaving $978.1M of free cash flow. At fiscal year end, Umb Financial held $73.09B in total assets against $65.40B in total liabilities, including $7.77B of cash and equivalents.
Open the full interactive Umb Financial financials → Quarterly statements, key ratios, valuation history and price charts.
Umb Financial Key Stats
| Share Price | $130.13 |
|---|---|
| Market Cap | $9.94B |
| P/E Ratio | 14.0 |
| Dividend Yield | 1.52% |
| Revenue YoY Growth | +62.8% |
| 52-Week Range | $102.51 – $151.50 |
| Shares Outstanding | 76.0 million (basic, 2026 Q2) |
Umb Financial Income Statement
| FY 2020 | FY 2021 | FY 2022 | FY 2023 | FY 2024 | FY 2025 | |
|---|---|---|---|---|---|---|
| Net Interest Income | $731.2M | $815.5M | $913.8M | $920.1M | $1.00B | $1.86B |
| Provision for Credit Losses | $130.5M | $20.0M | $37.9M | $41.2M | $61.0M | $154.5M |
| Noninterest Income | $560.2M | $467.2M | $554.2M | $541.9M | $628.1M | $790.0M |
| Noninterest Expense | $822.0M | $833.6M | $898.1M | $999.1M | $1.03B | $1.62B |
| Revenue | $1.29B | $1.28B | $1.47B | $1.46B | $1.63B | $2.65B |
| Pre-Tax Income | $338.9M | $429.1M | $532.0M | $421.6M | $541.3M | $875.0M |
| Income Tax | $52.4M | $76.0M | $100.3M | $71.6M | $100.0M | $172.6M |
| Net Income | $286.5M | $353.0M | $431.7M | $350.0M | $441.2M | $702.4M |
| Diluted EPS | $5.93 | $7.24 | $8.86 | $7.18 | $8.99 | $9.29 |
Umb Financial Quarterly Results
| 2025 Q3 | 2025 Q4 | 2026 Q1 | 2026 Q2 | |
|---|---|---|---|---|
| Revenue | $678.3M | $720.9M | $739.2M | $778.0M |
| Net Income | $188.3M | $215.4M | $261.4M | $277.6M |
| Diluted EPS | $2.36 | $2.92 | $3.35 | $3.56 |
Umb Financial Balance Sheet
| FY 2020 | FY 2021 | FY 2022 | FY 2023 | FY 2024 | FY 2025 | |
|---|---|---|---|---|---|---|
| Cash & Equivalents | $3.50B | $9.21B | $1.56B | $5.53B | $8.45B | $7.77B |
| Loans (Net) | $15.89B | $16.98B | $20.84B | $22.95B | — | — |
| Total Assets | $33.13B | $42.69B | $38.51B | $44.01B | $50.41B | $73.09B |
| Deposits | $27.05B | $35.60B | $32.64B | $35.79B | $43.14B | $60.66B |
| Total Long-Term Debt | $269.6M | $271.5M | $381.3M | $2.18B | $385.3M | $474.2M |
| Total Liabilities | $30.11B | $39.55B | $35.85B | $40.91B | $46.94B | $65.40B |
| Shareholders' Equity | $3.02B | $3.15B | $2.67B | $3.10B | $3.47B | $7.69B |
Umb Financial Cash Flow Statement
| FY 2020 | FY 2021 | FY 2022 | FY 2023 | FY 2024 | FY 2025 | |
|---|---|---|---|---|---|---|
| Cash From Operations | $373.6M | $534.1M | $769.6M | $472.6M | $225.3M | $1.03B |
| Cash From Investing | -$4.49B | -$4.24B | -$3.85B | -$1.27B | -$3.26B | -$5.62B |
| Cash From Financing | $5.95B | $9.42B | -$4.58B | $4.77B | $5.96B | $3.92B |
| Free Cash Flow | $313.4M | $500.4M | $717.8M | $445.7M | $201.1M | $978.1M |
| Dividends Paid | $60.3M | $66.8M | $72.0M | $74.2M | $77.1M | $135.6M |
Figures from Umb Financial's 10-K and 10-Q filings with the SEC, as of 2026-10-14. Fiscal years follow the company's own reporting calendar. EPS and share counts are adjusted for later stock splits. See the full Umb Financial financials page for every line item.
Umb Financial Company Profile
| Ticker | UMBF |
|---|---|
| Exchange | Nasdaq |
| Industry | National Commercial Banks |
| Headquarters | Kansas City, Missouri |
| Incorporated in | Missouri |
| Fiscal Year End | December 31 |
| SEC Filer Category | Large accelerated filer |
| SEC CIK | 0000101382 |
Frequently Asked Questions
What was Umb Financial's revenue in fiscal 2025?
Umb Financial (UMBF) reported revenue of $2.65B for fiscal 2025.
What is Umb Financial's annual revenue history?
Umb Financial's annual revenue by fiscal year: 2020: $1.29B; 2021: $1.28B; 2022: $1.47B; 2023: $1.46B; 2024: $1.63B; 2025: $2.65B.
What was Umb Financial's net income in fiscal 2025?
Umb Financial reported net income of $702.4M for fiscal 2025.
What was Umb Financial's earnings per share (EPS) in fiscal 2025?
Umb Financial's diluted EPS was $9.29 for fiscal 2025 (adjusted for any later stock splits).
How much free cash flow did Umb Financial generate in fiscal 2025?
Umb Financial generated $978.1M of free cash flow in fiscal 2025.
What was Umb Financial's revenue last quarter?
In its most recent reported quarter (2026 Q2), Umb Financial reported revenue of $778.0M.
How much debt does Umb Financial have?
Umb Financial reported $474.2M of long-term debt, including the current portion, at the end of fiscal 2025.
How many shares of Umb Financial are outstanding?
Umb Financial reported a weighted average of 76.0 million basic shares outstanding in 2026 Q2.
What is Umb Financial's market cap?
Based on its latest closing price, Umb Financial (UMBF) has a market capitalization of about $9.94B.
When does Umb Financial's fiscal year end?
Umb Financial's fiscal year end, as registered with the SEC, is December 31.
Where is Umb Financial headquartered?
Umb Financial lists its business address in Kansas City, Missouri in its SEC filings.