UMB Financial Corporation (UMBF)

UMB Financial Balance Sheet

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
Cash & Equivalents	1,838	573.18	452.25	507.68	413.82	430.64
Investment Securities	9,321	7,291	7,122	7,300	6,642	6,833
Trading Asset Securities	334.98	262.98	179.59	66.1	89.56	138.57
Mortgage-Backed Securities	10,416	6,944	6,359	6,948	8,361	5,468
Total Investments	20,072	14,498	13,661	14,313	15,093	12,440
Gross Loans	37,707	25,642	23,172	21,031	17,171	16,104
Allowance for Loan Losses	-404.97	-259.09	-219.74	-191.84	-194.77	-215.97
Net Loans	37,302	25,383	22,953	20,839	16,976	15,888
Property, Plant & Equipment	398.61	252.24	261.29	272.56	275.28	292.32
Goodwill	1,835	207.39	207.39	207.39	174.52	180.87
Other Intangible Assets	511.45	80.78	101.42	124.41	67.17	85.23
Loans Held for Sale	3.17	2.76	4.42	1.98	1.28	6.71
Accrued Interest Receivable	331.65	246.1	220.31	189.23	131.1	139.89
Other Receivables	99.5	100.2	86.6	76.1	73.6	62.1
Restricted Cash	7,768	7,876	5,081	1,057	8,801	3,067
Long-Term Deferred Tax Assets	-	244.04	222.2	248.43	-	-
Other Real Estate Owned & Foreclosed	31.43	28.39	1.74	0.07	-	4.74
Other Long-Term Assets	1,690	918.19	759.15	674.64	686.93	530.63
Total Assets	71,881	50,410	44,012	38,512	42,693	33,128
Accrued Expenses	445.72	364.32	384.77	236.54	224.8	218.53
Interest Bearing Deposits	42,535	28,366	22,882	18,841	18,809	16,773
Institutional Deposits	1,413	1,159	780.69	538.05	447.98	398.35
Non-Interest Bearing Deposits	16,188	13,617	12,131	13,260	16,343	9,880
Total Deposits	60,136	43,142	35,793	32,639	35,600	27,051
Short-Term Borrowings	2,983	2,717	4,025	2,349	3,252	2,325
Current Portion of Leases	-	12.02	-	-	-	2.02
Other Current Liabilities	13	7.1	8.02	3.5	3.2	2.18
Long-Term Debt	252.4	308.51	307.64	306.76	198.33	197.88
Long-Term Leases	-	43.1	58.9	63.5	64.6	71.7
Trust Preferred Securities	218.93	76.78	75.61	74.55	73.21	71.71
Long-Term Deferred Tax Liabilities	-	-	-	-	22.1	95.56
Other Long-Term Liabilities	388.72	272.11	258.73	172.88	109.51	74.85
Total Liabilities	64,437	46,943	40,911	35,845	39,548	30,111
Common Stock	78.67	55.06	55.06	55.06	55.06	55.06
Additional Paid-In Capital	4,002	1,146	1,134	1,126	1,111	1,090
Retained Earnings	3,560	3,175	2,811	2,536	2,177	1,891
Treasury Stock	-165.49	-336.05	-342.89	-347.26	-323.47	-338.15
Comprehensive Income & Other	-324.84	-573.05	-556.94	-702.74	126.31	318.34
Shareholders' Equity	7,444	3,467	3,100	2,667	3,145	3,017
Total Liabilities & Equity	71,881	50,410	44,012	38,512	42,693	33,128
Total Debt	3,454	3,158	4,467	2,793	3,589	2,668
Net Cash (Debt)	-1,157	-1,666	-3,516	-1,146	-1,828	-405.53
Net Cash Per Share	-17.30	-33.95	-72.10	-23.51	-37.50	-8.39
Filing Date Shares Outstanding	75.95	72.59	48.74	48.5	48.46	48.18
Total Common Shares Outstanding	75.95	48.81	48.55	48.32	48.43	48.01
Book Value Per Share	94.13	71.02	63.85	55.20	64.95	62.84
Tangible Book Value	4,803	3,178	2,792	2,335	2,904	2,751
Tangible Book Value Per Share	63.24	65.11	57.49	48.33	59.96	57.30

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

SEC Filings: 10-K · 10-Q