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	Jun '26 Jun 30, 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
Interest Income on Loans	2,553	2,415	1,613	1,400	810.01	619.27
Interest Income on Investments	951.67	939	558.06	438.74	327.51	242.25
Total Interest Income	3,504	3,354	2,171	1,839	1,138	861.52
Interest Paid on Deposits	1,281	1,337	982.3	704.21	167.55	26.41
Interest Paid on Borrowings	158.48	155.53	187.82	214.38	56.17	19.59
Total Interest Expense	1,440	1,492	1,170	918.59	223.72	46
Net Interest Income	2,064	1,862	1,001	920.12	913.8	815.52
Net Interest Income Growth	49.49%	86.06%	8.78%	0.69%	12.05%	11.53%
Trust Income	373.32	343.4	290.57	257.2	237.21	224.13
Income From Trading Activities	26.28	25.31	24.23	19.63	23.2	30.94
Gain (Loss) on Sale of Assets	-0.11	-0.11	3.2	4.34	3.06	2.67
Gain (Loss) on Sale of Investments	28.2	30.97	10.72	-3.14	58.44	5.06
Other Non-Interest Income	308.33	277.28	214.89	178.87	147.15	118.33
Total Non-Interest Income	851.97	790.05	628.12	541.85	554.23	467.18
Non-Interest Income Growth	19.60%	25.78%	15.92%	-2.23%	18.63%	-16.60%
Revenues Before Loan Losses	2,916	2,652	1,629	1,462	1,468	1,283
Provision for Loan Losses	102.5	154.5	61.05	41.23	37.9	20
Revenue	2,814	2,498	1,568	1,421	1,430	1,263
Revenue Growth	44.35%	59.30%	10.36%	-0.66%	13.26%	8.77%
Salaries and Employee Benefits	855.97	846.14	571.33	534.73	502.94	483.23
Occupancy Expenses	60.83	57.12	37.04	37.4	36.95	47.35
Federal Deposit Insurance	28.62	28.75	31.9	77.01	15.38	11.89
Amortization of Goodwill & Intangibles	97.69	93.52	7.71	8.59	5.04	4.76
Selling, General & Administrative	439.93	458.6	303.88	274.19	268.26	233.09
Other Non-Interest Expense	142.32	138.67	74.83	67.23	69.56	53.31
Total Non-Interest Expense	1,625	1,623	1,027	999.14	898.12	833.64
EBT Excluding Unusual Items	1,189	874.96	541.27	421.6	532.01	429.06
Pretax Income	1,189	874.96	541.27	421.6	532.01	429.06
Income Tax Expense	245.86	172.56	100.03	71.58	100.33	76.04
Earnings From Continuing Operations	942.68	702.4	441.24	350.02	431.68	353.02
Net Income	942.68	702.4	441.24	350.02	431.68	353.02
Preferred Dividends & Other Adjustments	25.38	17.78	-	-	-	-
Net Income to Common	917.3	684.62	441.24	350.02	431.68	353.02
Net Income Growth	74.94%	55.16%	26.06%	-18.92%	22.28%	23.22%
Basic Shares Outstanding	76	73	49	49	48	48
Diluted Shares Outstanding	76	74	49	49	49	49
Shares Change	27.32%	50.17%	0.60%	0.03%	0.02%	0.82%
EPS (Basic)	12.07	9.35	9.05	7.22	8.93	7.31
EPS (Diluted)	11.99	9.29	8.99	7.18	8.86	7.24
EPS Growth	37.29%	3.34%	25.21%	-18.96%	22.38%	22.09%

Additional Metrics

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Jun '26 Jun 30, 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
Dividend Per Share	1.690	1.630	1.570	1.530	1.490	1.380
Dividend Growth	6.29%	3.82%	2.61%	2.69%	7.97%	10.40%
Effective Tax Rate	20.69%	19.72%	18.48%	16.98%	18.86%	17.72%

SEC Filings: 10-K · 10-Q