UMB Financial Corporation (UMBF) Financial Statements

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UMB Financial financial statements at a glance

UMB Financial reported revenue of $2.43 billion for fiscal year 2025 (ended December 31, 2025), up 65.7% from fiscal year 2024. Net income was $684.62 million, a net margin of 28.2%.

At the end of fiscal year 2025 it had total assets of $73.09 billion, total liabilities of $65.40 billion and shareholders' equity of $7.69 billion, with cash of $7.89 billion and total debt of $254.20 million.

Its operations brought in $1.03 billion of cash; capital spending was $48.58 million, leaving free cash flow of $978.11 million.

The tables below show the income statement, balance sheet and cash flow statement; the key figures of the last 5 fiscal years are at the bottom of the page.

Figures from company filings, in USD; latest fiscal year ended December 31, 2025.

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UMB Financial Corporation

UMBFUnited States
Financial Services
USD (Local)

Income Statement

Annual • USD

Total Revenue
2.43B
Prev Year: 1.47B
YoY: +65.7%
Net Interest Income
1.86B
Prev Year: 1.00B
YoY: +86.1%
Interest Income
3.35B
Prev Year: 2.17B
YoY: +54.5%
Interest Expense
1.49B
Prev Year: 1.17B
YoY: +27.5%
Pre-tax Income
874.96M
Prev Year: 541.27M
YoY: +61.6%
Provision for Credit Losses
-
Prev Year: -61.05M
Provision for Income Taxes
172.56M
Prev Year: 100.03M
YoY: +72.5%
Non Interest Expense
-
Prev Year: 864.52M
Net Income Common Stockholders
684.62M
Prev Year: 441.24M
YoY: +55.2%
Net Income
702.40M
Prev Year: 441.24M
YoY: +59.2%
Net Income Including Non-Controlling Interests
702.40M
Prev Year: 441.24M
YoY: +59.2%
Net Income from Continuing Operations
702.40M
Prev Year: 441.24M
YoY: +59.2%
Diluted NI Available to Com Stockholders
684.62M
Prev Year: 441.24M
YoY: +55.2%
Net Income from Continuing and Discontinued Operation
702.40M
Prev Year: 441.24M
YoY: +59.2%
Normalized Income
702.40M
Prev Year: 441.24M
YoY: +59.2%
Reconciled Depreciation
141.77M
Prev Year: 52.77M
YoY: +168.7%
Basic EPS
-
Prev Year: 9.05
Net Income from Continuing Operation Net Minority Interest
702.40M
Prev Year: 441.24M
YoY: +59.2%
Diluted EPS
-
Prev Year: 8.99
Tax Rate for Calcs
0.197
Prev Year: 0
Weighted Average Shares (basic)
-
Prev Year: 48.75M
Preferred Stock Dividends
17.78M
Interest Income After Provision for Loan Loss
-
Prev Year: 939.84M
Gain on Sale of Securities
30.97M
Prev Year: 10.72M
YoY: +188.9%
Depreciation Amortization Depletion
93.52M
Prev Year: 7.71M
YoY: +1113.8%
Depreciation and amortization
93.52M
Prev Year: 7.71M
YoY: +1113.8%
Total Money Market Investments
-
Prev Year: 199.77M
Amortization
93.52M
Prev Year: 7.71M
YoY: +1113.8%
Amortization of Intangibles
93.52M
Prev Year: 7.71M
YoY: +1113.8%
Selling General and Administrative
929.57M
Prev Year: 622.35M
YoY: +49.4%
Selling and Marketing Expense
45.68M
Prev Year: 28.44M
YoY: +60.6%
General and Administrative Expense
883.88M
Prev Year: 593.91M
YoY: +48.8%
Salaries and Wages
883.88M
Prev Year: 593.91M
YoY: +48.8%
Operating Revenue
2.43B
Occupancy And Equipment
138.64M
Prev Year: 110.94M
YoY: +25.0%
Professional and Contract Services Expense
92.30M
Prev Year: 46.21M
YoY: +99.8%
Other Noninterest Expense
146.42M
Prev Year: 77.31M
YoY: +89.4%
Values in USD

UMB Financial key figures by fiscal year

FY2025FY2024FY2023FY2022FY2021
Revenue$2.4B$1.5B$1.3B$1.4B$1.2B
Net income$684.6M$441.2M$350.0M$431.7M$353.0M
Diluted EPS–$8.99$7.18$8.86$7.24
Total assets$73.1B$50.4B$44.0B$38.5B$42.7B
Total liabilities$65.4B$46.9B$40.9B$35.8B$39.5B
Shareholders' equity$7.7B$3.5B$3.1B$2.7B$3.1B
Cash$7.9B$8.6B$5.6B$1.7B$9.3B
Total debt$254.2M$385.3M$1.4B$381.3M$271.5M
Operating cash flow$1.0B$225.3M$472.6M$769.6M$534.1M
Capital spending$48.6M$24.2M$26.9M$51.7M$33.7M
Free cash flow$978.1M$201.1M$445.7M$717.8M$500.4M

In USD. Fiscal years as reported by the company; statements on this page go back to fiscal year 2014.

Questions and answers

What was UMB Financial's revenue in fiscal year 2025?

$2.43 billion, up 65.7% from $1.47 billion in fiscal year 2024.

How much profit does UMB Financial make?

UMB Financial reported net income of $684.62 million for fiscal year 2025 (28.2% of revenue).

How much cash and debt does UMB Financial have?

At the end of fiscal year 2025: cash of $7.89 billion and total debt of $254.20 million.

What is UMB Financial's free cash flow?

$978.11 million in fiscal year 2025 (operating cash flow of $1.03 billion minus capital spending of $48.58 million).

Disclaimer: This analysis is for informational and educational purposes only and does not constitute financial, investment, tax, or legal advice. Data may be incomplete, delayed, or contain inaccuracies. Consult with a qualified financial advisor before making any investment decisions.
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