UMB Financial Corporation (FRA:UMB)

UMB Financial Income Statement

Financials in millions USD. Fiscal year is January - December.

Fiscal Year	TTM	FY 2024	FY 2023	FY 2022	FY 2021	FY 2020
Period Ending	Jun 30, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021	Dec 31, 2020
Interest Income on Loans	1,967	1,613	1,400	810.01	619.27	585.96
Interest Income on Investments	734.32	558.06	438.74	327.51	242.25	222.53
Total Interest Income	2,701	2,171	1,839	1,138	861.52	808.49
Interest Paid on Deposits	1,164	982.3	704.21	167.55	26.41	58.21
Interest Paid on Borrowings	155.7	187.82	214.38	56.17	19.59	19.05
Total Interest Expense	1,320	1,170	918.59	223.72	46	77.26
Net Interest Income	1,381	1,001	920.12	913.8	815.52	731.23
Net Interest Income Growth (YoY)	47.33%	8.78%	0.69%	12.05%	11.53%	8.99%
Trust Income	314.13	290.57	257.2	237.21	224.13	194.65
Income From Trading Activities	25.38	24.23	19.63	23.2	30.94	32.95
Gain (Loss) on Sale of Assets	3.2	3.2	4.34	3.06	2.67	0.8
Gain (Loss) on Sale of Investments	36.12	10.72	-3.14	58.44	5.06	120.63
Other Non-Interest Income	235.69	214.89	178.87	147.15	118.33	127.27
Total Non-Interest Income	712.34	628.12	541.85	554.23	467.18	560.17
Non-Interest Income Growth (YoY)	23.30%	15.92%	-2.23%	18.63%	-16.60%	31.26%
Revenues Before Loan Losses	2,093	1,629	1,462	1,468	1,283	1,291
Provision for Loan Losses	144	61.05	41.23	37.9	20	130.5
Revenue	1,949	1,568	1,421	1,430	1,263	1,161
Revenue Growth (YoY)	31.18%	10.36%	-0.66%	13.26%	8.77%	9.02%
Salaries and Employee Benefits	720.42	571.33	534.73	502.94	483.23	480.34
Occupancy Expenses	47.69	37.04	37.4	36.95	47.35	34.68
Federal Deposit Insurance	27.44	31.9	77.01	15.38	11.89	10.28
Amortization of Goodwill & Intangibles	46.58	7.71	8.59	5.04	4.76	6.52
Selling, General & Administrative	365.79	303.88	274.19	268.26	233.09	227.83
Other Non-Interest Expense	92.86	74.83	67.23	69.56	53.31	62.36
Total Non-Interest Expense	1,301	1,027	999.14	898.12	833.64	822.01
EBT Excluding Unusual Items	648.58	541.27	421.6	532.01	429.06	338.89
Pretax Income	648.58	541.27	421.6	532.01	429.06	338.89
Income Tax Expense	120.21	100.03	71.58	100.33	76.04	52.39
Earnings From Continuing Operations	528.37	441.24	350.02	431.68	353.02	286.5
Net Income	528.37	441.24	350.02	431.68	353.02	286.5
Net Income to Common	524.34	441.24	350.02	431.68	353.02	286.5
Net Income Growth	39.38%	26.06%	-18.92%	22.28%	23.22%	17.61%
Basic Shares Outstanding	60	49	49	48	48	48
Diluted Shares Outstanding	60	49	49	49	49	48
Shares Change (YoY)	22.80%	0.60%	0.03%	0.02%	0.82%	-1.52%
EPS (Basic)	8.79	9.05	7.22	8.93	7.31	5.95
EPS (Diluted)	8.74	8.99	7.18	8.86	7.24	5.93
EPS Growth	12.71%	25.21%	-18.96%	22.38%	22.09%	19.56%
Dividend Per Share	1.590	1.570	1.530	1.490	1.380	1.250
Dividend Growth	2.58%	2.61%	2.69%	7.97%	10.40%	3.31%
Effective Tax Rate	18.54%	18.48%	16.98%	18.86%	17.72%	15.46%

Source: S&P Global Market Intelligence. Banks template. Financial Sources.