UMB Financial Corporation (UMBF)

UMB Financial Income Statement

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

Fiscal Year	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Dec 31, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021
Interest Income on Loans	2,415	1,613	1,400	810.01	619.27
Interest Income on Investments	939	558.06	438.74	327.51	242.25
Total Interest Income	3,354	2,171	1,839	1,138	861.52
Interest Paid on Deposits	1,337	982.3	704.21	167.55	26.41
Interest Paid on Borrowings	155.53	187.82	214.38	56.17	19.59
Total Interest Expense	1,492	1,170	918.59	223.72	46
Net Interest Income	1,862	1,001	920.12	913.8	815.52
Net Interest Income Growth (YoY)	86.06%	8.78%	0.69%	12.05%	11.53%
Trust Income	343.4	290.57	257.2	237.21	224.13
Income From Trading Activities	25.31	24.23	19.63	23.2	30.94
Gain (Loss) on Sale of Assets	-	3.2	4.34	3.06	2.67
Gain (Loss) on Sale of Investments	30.97	10.72	-3.14	58.44	5.06
Other Non-Interest Income	277.17	214.89	178.87	147.15	118.33
Total Non-Interest Income	790.05	628.12	541.85	554.23	467.18
Non-Interest Income Growth (YoY)	25.78%	15.92%	-2.23%	18.63%	-16.60%
Revenues Before Loan Losses	2,652	1,629	1,462	1,468	1,283
Provision for Loan Losses	154.5	61.05	41.23	37.9	20
Revenue	2,498	1,568	1,421	1,430	1,263
Revenue Growth (YoY)	59.30%	10.36%	-0.66%	13.26%	8.77%
Salaries and Employee Benefits	883.88	571.33	534.73	502.94	483.23
Occupancy Expenses	73.72	37.04	37.4	36.95	47.35
Federal Deposit Insurance	28.75	31.9	77.01	15.38	11.89
Amortization of Goodwill & Intangibles	93.52	7.71	8.59	5.04	4.76
Selling, General & Administrative	404.25	303.88	274.19	268.26	233.09
Other Non-Interest Expense	138.67	74.83	67.23	69.56	53.31
Total Non-Interest Expense	1,623	1,027	999.14	898.12	833.64
EBT Excluding Unusual Items	874.96	541.27	421.6	532.01	429.06
Pretax Income	874.96	541.27	421.6	532.01	429.06
Income Tax Expense	172.56	100.03	71.58	100.33	76.04
Earnings From Continuing Operations	702.4	441.24	350.02	431.68	353.02
Net Income	702.4	441.24	350.02	431.68	353.02
Preferred Dividends & Other Adjustments	17.78	-	-	-	-
Net Income to Common	684.62	441.24	350.02	431.68	353.02
Net Income Growth	59.19%	26.06%	-18.92%	22.28%	23.22%
Basic Shares Outstanding	73	49	49	48	48
Diluted Shares Outstanding	74	49	49	49	49
Shares Change (YoY)	50.17%	0.60%	0.03%	0.02%	0.82%
EPS (Basic)	9.35	9.05	7.22	8.93	7.31
EPS (Diluted)	9.29	8.99	7.18	8.86	7.24
EPS Growth	3.34%	25.21%	-18.96%	22.38%	22.09%
Dividend Per Share	1.630	1.570	1.530	1.490	1.380
Dividend Growth	3.82%	2.61%	2.69%	7.97%	10.40%
Effective Tax Rate	19.72%	18.48%	16.98%	18.86%	17.72%

Updated Jan 27, 2026. Source: S&P Global Market Intelligence. Banks template. Financial Sources.

SEC Filings: 10-K · 10-Q