UMB Financial Corporation (UMBF)

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	Sep 30, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021	Dec 31, 2020
Interest Income on Loans	2,180	1,613	1,400	810.01	619.27	585.96
Interest Income on Investments	842.87	558.06	438.74	327.51	242.25	222.53
Total Interest Income	3,022	2,171	1,839	1,138	861.52	808.49
Interest Paid on Deposits	1,265	982.3	704.21	167.55	26.41	58.21
Interest Paid on Borrowings	148.95	187.82	214.38	56.17	19.59	19.05
Total Interest Expense	1,414	1,170	918.59	223.72	46	77.26
Net Interest Income	1,609	1,001	920.12	913.8	815.52	731.23
Net Interest Income Growth (YoY)	67.15%	8.78%	0.69%	12.05%	11.53%	8.99%
Trust Income	327.83	290.57	257.2	237.21	224.13	194.65
Income From Trading Activities	25.29	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	29.4	10.72	-3.14	58.44	5.06	120.63
Other Non-Interest Income	264.29	214.89	178.87	147.15	118.33	127.27
Total Non-Interest Income	756.89	628.12	541.85	554.23	467.18	560.17
Non-Interest Income Growth (YoY)	25.49%	15.92%	-2.23%	18.63%	-16.60%	31.26%
Revenues Before Loan Losses	2,366	1,629	1,462	1,468	1,283	1,291
Provision for Loan Losses	148.5	61.05	41.23	37.9	20	130.5
Revenue	2,217	1,568	1,421	1,430	1,263	1,161
Revenue Growth (YoY)	45.52%	10.36%	-0.66%	13.26%	8.77%	9.02%
Salaries and Employee Benefits	780.92	571.33	534.73	502.94	483.23	480.34
Occupancy Expenses	54.56	37.04	37.4	36.95	47.35	34.68
Federal Deposit Insurance	30.84	31.9	77.01	15.38	11.89	10.28
Amortization of Goodwill & Intangibles	69.98	7.71	8.59	5.04	4.76	6.52
Selling, General & Administrative	416.42	303.88	274.19	268.26	233.09	227.83
Other Non-Interest Expense	114.88	74.83	67.23	69.56	53.31	62.36
Total Non-Interest Expense	1,468	1,027	999.14	898.12	833.64	822.01
EBT Excluding Unusual Items	749.47	541.27	421.6	532.01	429.06	338.89
Pretax Income	749.47	541.27	421.6	532.01	429.06	338.89
Income Tax Expense	142.43	100.03	71.58	100.33	76.04	52.39
Earnings From Continuing Operations	607.04	441.24	350.02	431.68	353.02	286.5
Net Income	607.04	441.24	350.02	431.68	353.02	286.5
Net Income to Common	595.07	441.24	350.02	431.68	353.02	286.5
Net Income Growth	54.79%	26.06%	-18.92%	22.28%	23.22%	17.61%
Basic Shares Outstanding	66	49	49	48	48	48
Diluted Shares Outstanding	67	49	49	49	49	48
Shares Change (YoY)	36.59%	0.60%	0.03%	0.02%	0.82%	-1.52%
EPS (Basic)	8.95	9.05	7.22	8.93	7.31	5.95
EPS (Diluted)	8.89	8.99	7.18	8.86	7.24	5.93
EPS Growth	10.98%	25.21%	-18.96%	22.38%	22.09%	19.56%
Dividend Per Share	1.600	1.570	1.530	1.490	1.380	1.250
Dividend Growth	2.56%	2.61%	2.69%	7.97%	10.40%	3.31%
Effective Tax Rate	19.00%	18.48%	16.98%	18.86%	17.72%	15.46%

Updated Sep 30, 2025. Source: S&P Global Market Intelligence. Banks template. Financial Sources.

SEC Filings: 10-K · 10-Q