UMB Financial Income Statement

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

Millions USD. Fiscal year is Jan - Dec.

Fiscal Year	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Dec '25 Dec 31, 2025	Dec '24 Dec 31, 2024	Dec '23 Dec 31, 2023	Dec '22 Dec 31, 2022	Dec '21 Dec 31, 2021
Net Interest Income	1,862	1,001	920.12	913.8	815.52
Net Interest Income Growth	86.06%	8.78%	0.69%	12.05%	11.53%
Non-Interest Income	790.05	628.12	541.85	554.23	467.18
Non-Interest Income Growth	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 Credit 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%
Compensation Expenses	883.88	593.91	553.42	524.43	504.44
Selling, General & Admin	645.4	425.07	437.13	368.65	324.44
Other Non-Interest Expenses	93.52	7.71	8.59	5.04	4.76
Total Non-Interest Expense	1,623	1,027	999.14	898.12	833.64
Pretax Income	874.96	541.27	421.6	532.01	429.06
Provision for Income Taxes	172.56	100.03	71.58	100.33	76.04
Net Income	702.4	441.24	350.02	431.68	353.02
Net Income Attributable to Preferred Dividends	17.78	-	-	-	-
Net Income to Common	702.4	441.24	350.02	431.68	353.02
Net Income Growth	59.19%	26.06%	-18.92%	22.28%	23.22%
Shares Outstanding (Basic)	73	49	49	48	48
Shares Outstanding (Diluted)	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%
Free Cash Flow	978.11	205.28	449.5	717.84	500.4
Free Cash Flow Growth	376.48%	-54.33%	-37.38%	43.45%	59.68%
Free Cash Flow Per Share	13.28	4.18	9.22	14.73	10.27
Dividends Per Share	1.630	1.570	1.530	1.490	1.380
Dividend Growth	3.82%	2.61%	2.69%	7.97%	10.40%
Profit Margin	28.12%	28.14%	24.64%	30.18%	27.96%
FCF Margin	39.16%	13.09%	31.64%	50.19%	39.63%
EBITDA	141.77	52.77	58.72	54.02	55.75
EBITDA Margin	5.68%	3.37%	4.13%	3.78%	4.41%
Effective Tax Rate	19.72%	18.48%	16.98%	18.86%	17.72%

Updated Jan 27, 2026. Data Source: Fiscal.ai. Banks template. Financial Sources.

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