UMB Financial Corporation (UMBF)

UMB Financial Income Statement

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

Year Ending	TTM	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021	Dec 31, 2020	Dec 31, 2019
Revenue	1,461	1,421	1,430	1,263	1,161	1,065
Revenue Growth (YoY)	1.57%	-0.66%	13.26%	8.77%	9.02%	13.11%
Gross Profit	1,461	1,421	1,430	1,263	1,161	1,065
Selling, General & Admin	834.05	820.23	741.3	708	698.92	676.25
Other Operating Expenses	182.84	178.91	156.82	125.63	123.09	102.61
Operating Expenses	1,017	999.14	898.12	833.64	822.01	778.86
Operating Income	443.88	421.6	532.01	429.06	338.89	285.97
Pretax Income	443.88	421.6	532.01	429.06	338.89	285.97
Income Tax	76.04	71.58	100.33	76.04	52.39	42.37
Net Income	367.85	350.02	431.68	353.02	286.5	243.6
Net Income Growth	-12.03%	-18.92%	22.28%	23.22%	17.61%	24.60%
Shares Outstanding (Basic)	49	49	48	48	48	49
Shares Outstanding (Diluted)	49	49	49	49	48	49
Shares Change	0.36%	0.03%	0.02%	0.82%	-1.52%	-1.37%
EPS (Basic)	7.58	7.22	8.93	7.31	5.95	4.99
EPS (Diluted)	7.53	7.18	8.86	7.24	5.93	4.96
EPS Growth	-12.44%	-18.96%	22.38%	22.09%	19.56%	26.21%
Free Cash Flow	513.47	449.5	724.57	504.3	321.95	273.16
Free Cash Flow Per Share	10.55	9.27	14.99	10.45	6.69	5.60
Dividend Per Share	1.540	1.530	1.490	1.380	1.250	1.210
Dividend Growth	2.67%	2.68%	7.97%	10.40%	3.31%	3.42%
Gross Margin	100.00%	100.00%	100.00%	100.00%	100.00%	100.00%
Operating Margin	30.39%	29.67%	37.20%	33.98%	29.19%	26.86%
Profit Margin	25.18%	24.64%	30.18%	27.96%	24.68%	22.88%
Free Cash Flow Margin	35.15%	31.64%	50.66%	39.94%	27.73%	25.65%
Effective Tax Rate	17.13%	16.98%	18.86%	17.72%	15.46%	14.81%
EBITDA	501.03	480.33	586.03	484.81	401.69	342.22
EBITDA Margin	34.30%	33.81%	40.98%	38.39%	34.60%	32.14%
Depreciation & Amortization	57.15	58.72	54.02	55.75	62.8	56.26
EBIT	443.88	421.6	532.01	429.06	338.89	285.97
EBIT Margin	30.39%	29.67%	37.20%	33.98%	29.19%	26.86%

Source: Financials are provided by Nasdaq Data Link and sourced from the audited annual (10-K) and quarterly (10-Q) reports submitted to the Securities and Exchange Commission (SEC).