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UMB Financial Corporation (UMBF)
NASDAQ: UMBF · Real-Time Price · USD
146.81
-1.52 (-1.02%)
At close: Aug 5, 2026, 4:00 PM EDT
146.70
-0.11 (-0.07%)
After-hours: Aug 5, 2026, 7:34 PM EDT

UMB Financial Financials Overview

Millions USD. Fiscal year is Jan - Dec.

Revenue & Profits
Chart
Fiscal YearTTMFY 2025FY 2024FY 2023FY 2022FY 2021
Period EndingJun '26 Dec '25 Dec '24 Dec '23 Dec '22 Dec '21
Revenue
2,8142,4981,5681,4211,4301,263
Revenue Growth
44.35%59.30%10.36%-0.66%13.26%8.77%
Net Income
917.3684.62441.24350.02431.68353.02
Earnings Per Share
12.019.298.997.188.867.24
EPS Growth
38.05%3.34%25.21%-18.96%22.38%22.09%

Revenue by Segment
Fiscal YearTTMFY 2025FY 2024FY 2023FY 2022FY 2021
Period EndingJun '26 Dec '25 Dec '24 Dec '23 Dec '22 Dec '21
Commercial Banking
1,5301,344750.95669.2685.79648.87
Institutional Banking (Including Healthcare Services)
768.79700.97590532.9482.98360.5
Personal Banking
515.17452.59227218.65261.36253.33
Total
2,8142,4981,5681,4211,4301,263

Cash & Debt
Chart
Fiscal YearCurrentFY 2025FY 2024FY 2023FY 2022FY 2021
Period EndingJun '26 Dec '25 Dec '24 Dec '23 Dec '22 Dec '21
Cash & Equivalents
5,7317,8938,5595,6071,6809,256
Total Debt
480.13474.23385.29383.25381.31271.54
Net Cash (Debt)
-480.13-474.23-385.29-383.25-381.31-271.54
Net Cash Growth
------
Net Cash Per Share
-6.28-6.44-7.85-7.86-7.82-5.57

Cash Flow & CapEx
Chart
Fiscal YearTTMFY 2025FY 2024FY 2023FY 2022FY 2021
Period EndingJun '26 Dec '25 Dec '24 Dec '23 Dec '22 Dec '21
Operating Cash Flow
1,0891,027225.29472.6769.55534.08
Capital Expenditures
-48.14-48.58-20.01-23.1-51.72-33.69
Free Cash Flow
1,041978.11205.28449.5717.84500.4
Free Cash Flow Growth
48.48%376.48%-54.33%-37.38%43.45%59.68%

Margins
Chart
Fiscal YearTTMFY 2025FY 2024FY 2023FY 2022FY 2021
Period EndingJun '26 Dec '25 Dec '24 Dec '23 Dec '22 Dec '21
Pretax Margin
42.24%35.03%34.52%29.67%37.20%33.98%
Profit Margin
33.50%28.12%28.14%24.64%30.18%27.96%
FCF Margin
36.98%39.16%13.09%31.64%50.19%39.63%

Dividends
Chart
Fiscal YearCurrentFY 2025FY 2024FY 2023FY 2022FY 2021
Period EndingAug '26 Dec '25 Dec '24 Dec '23 Dec '22 Dec '21
Dividend Per Share
2.0001.6301.5701.5301.4901.380
Dividend Per Share Growth
11.88%3.82%2.61%2.69%7.97%10.40%
Dividend Yield
1.35%1.61%1.40%1.83%1.78%1.30%

Valuation
Chart
Fiscal YearCurrentFY 2025FY 2024FY 2023FY 2022FY 2021
Period EndingAug '26 Dec '25 Dec '24 Dec '23 Dec '22 Dec '21
PE Ratio
12.2412.3812.5511.649.4314.66
Forward PE
11.1510.2412.5212.0610.5115.55
P/FCF Ratio
10.718.9326.849.025.6210.27
PS Ratio
3.963.503.512.862.824.07