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UMB Financial Corp. (UMBF)

Nasdaq Financials Regional Banks S&P MidCap 400
$133.77
-0.93 (-0.69%)
Close of Nov 06, 2026 · end-of-day data
Source: UMB Financial Corp.'s 10-K / 10-Q XBRL data on SEC EDGAR · fetched Nov 06, 2026

Revenue, net income & free cash flow

Income statement

fiscal years · USD
Fiscal yearFY2016FY2017FY2018FY2019FY2020FY2021FY2022FY2023FY2024FY2025
Interest expense$27.71M$58.00M$121.52M$191.99M$77.26M$46.00M$223.72M$918.59M——
Pre-tax income$198.59M$236.35M$223.59M$285.96M$338.89M$429.06M$532.01M$421.60M$541.27M$874.96M
Income tax$44.95M$53.37M$27.33M$42.37M$52.39M$76.04M$100.33M$71.58M$100.03M$172.56M
Net income$158.80M$247.10M$195.51M$243.60M$286.50M$353.02M$431.68M$350.02M$441.24M$702.40M
EPS (basic)$3.25$5.02$3.97$4.99$5.95$7.31$8.93$7.22$9.05$9.35
EPS (diluted)$3.22$4.96$3.93$4.96$5.93$7.24$8.86$7.18$8.99$9.29
Diluted shares49.28M49.84M49.77M49.09M48.34M48.74M48.75M48.76M49.06M73.67M

Balance sheet

fiscal years · USD
Fiscal yearFY2016FY2017FY2018FY2019FY2020FY2021FY2022FY2023FY2024FY2025
Cash & equivalents$1.06B$1.72B$1.67B$1.67B$3.50B$9.21B$1.56B$5.53B$8.45B$7.77B
Goodwill$180.87M$180.87M$180.87M$180.87M$180.87M$174.52M$207.38M$207.38M$207.38M$1.84B
Total assets$20.68B$21.77B$23.35B$26.56B$33.13B$42.69B$38.51B$44.01B$50.41B$73.09B
Short-term debt———————$1.80B——
Long-term debt$76.77M$79.28M$82.67M$70.37M$269.60M$271.54M$381.31M$383.25M$385.29M$474.23M
Total debt$76.77M$79.28M$82.67M$70.37M$269.60M$271.54M$381.31M$2.18B$385.29M$474.23M
Total liabilities$18.72B$19.59B$21.12B$23.95B$30.11B$39.55B$35.85B$40.91B$46.94B$65.40B
Shareholders' equity$1.96B$2.18B$2.23B$2.61B$3.02B$3.15B$2.67B$3.10B$3.47B$7.69B

Cash flow

fiscal years · USD
Fiscal yearFY2016FY2017FY2018FY2019FY2020FY2021FY2022FY2023FY2024FY2025
Operating cash flow$296.44M$326.53M$295.70M$339.93M$373.60M$534.08M$769.55M$472.60M$225.29M$1.03B
Capital expenditures$50.84M$36.45M$57.94M$72.31M$60.22M$33.69M$51.72M$23.10M$20.01M$48.58M
Free cash flow$245.60M$290.08M$237.76M$267.62M$313.38M$500.39M$717.84M$449.50M$205.28M$978.11M
Investing cash flow-$1.50B-$478.58M-$1.75B-$2.99B-$4.49B-$4.24B-$3.85B-$1.27B-$3.26B-$5.62B
Financing cash flow$1.45B$804.35M$1.41B$2.64B$5.95B$9.42B-$4.58B$4.77B$5.96B$3.92B
Dividends paid$49.04M$51.88M$58.28M$59.44M$60.28M$66.75M$72.03M$74.25M$77.13M$135.62M
Share buybacks$16.37M$15.28M$76.51M$4.50M$63.77M$5.51M$32.00M$8.37M$7.74M$17.63M
Stock-based compensation$11.73M$13.32M$11.07M$14.85M$15.12M$21.21M$21.49M$18.69M$22.58M$37.74M
Depreciation & amortization$54.56M$54.88M$53.12M$56.26M$62.80M$55.75M$54.02M$58.72M$52.77M$141.77M

Quarterly figures are rebuilt from the year-to-date totals companies report — Q4 is the full year minus the first nine months, since no 10-Q is filed for it. Values are as filed; later restatements replace earlier ones. Fiscal years are labelled by the calendar year in which they end.