UMB Financial Income Statement

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

Millions USD. Fiscal year is Jan - Dec.

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Mar '26 Mar 31, 2026	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	1,999	1,862	1,001	920.12	913.8	815.52
Net Interest Income Growth	72.45%	86.06%	8.78%	0.69%	12.05%	11.53%
Non-Interest Income	828.65	790.05	628.12	541.85	554.23	467.18
Non-Interest Income Growth	30.48%	25.78%	15.92%	-2.23%	18.63%	-16.60%
Revenues Before Loan Losses	2,828	2,652	1,629	1,462	1,468	1,283
Provision for Credit Losses	95.5	154.5	61.05	41.23	37.9	20
Revenue	2,732	2,498	1,568	1,421	1,430	1,263
Revenue Growth (YoY)	64.87%	59.30%	10.36%	-0.66%	13.26%	8.77%
Compensation Expenses	882.17	883.88	593.91	553.42	524.43	504.44
Selling, General & Admin	637.23	645.4	425.07	437.13	368.65	324.44
Other Non-Interest Expenses	99.5	93.52	7.71	8.59	5.04	4.76
Total Non-Interest Expense	1,619	1,623	1,027	999.14	898.12	833.64
Pretax Income	1,113	874.96	541.27	421.6	532.01	429.06
Provision for Income Taxes	230.68	172.56	100.03	71.58	100.33	76.04
Net Income	882.5	702.4	441.24	350.02	431.68	353.02
Net Income Attributable to Preferred Dividends	21.58	17.78	-	-	-	-
Net Income to Common	882.5	702.4	441.24	350.02	431.68	353.02
Net Income Growth	114.03%	59.19%	26.06%	-18.92%	22.28%	23.22%
Shares Outstanding (Basic)	76	73	49	49	48	48
Shares Outstanding (Diluted)	76	74	49	49	49	49
Shares Change (YoY)	43.58%	50.17%	0.60%	0.03%	0.02%	0.82%
EPS (Basic)	11.34	9.35	9.05	7.22	8.93	7.31
EPS (Diluted)	11.29	9.29	8.99	7.18	8.86	7.24
EPS Growth	42.01%	3.34%	25.21%	-18.96%	22.38%	22.09%
Shares Outstanding	75.98	75.96	48.81	48.55	48.32	48.43
Free Cash Flow	994.32	978.11	205.28	449.5	717.84	500.4
Free Cash Flow Growth	1.66%	376.48%	-54.33%	-37.38%	43.45%	59.68%
Free Cash Flow Per Share	13.02	13.28	4.18	9.22	14.73	10.27
Dividends Per Share	1.660	1.630	1.570	1.530	1.490	1.380
Dividend Growth	1.84%	3.82%	2.61%	2.69%	7.97%	10.40%
Profit Margin	32.30%	28.12%	28.14%	24.64%	30.18%	27.96%
FCF Margin	36.39%	39.16%	13.09%	31.64%	50.19%	39.63%
EBITDA	147.5	141.77	52.77	58.72	54.02	55.75
EBITDA Margin	5.40%	5.68%	3.37%	4.13%	3.78%	4.41%
Effective Tax Rate	20.72%	19.72%	18.48%	16.98%	18.86%	17.72%

Updated Apr 30, 2026. Data Source: Fiscal.ai. Banks template. Financial Sources.

SEC Filings: 10-K · 10-Q