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	Sep '26 Sep 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	2,593	2,415	1,613	1,400	810.01	619.27
Interest Income on Investments	927.56	939	558.06	438.74	327.51	242.25
Total Interest Income	3,521	3,354	2,171	1,839	1,138	861.52
Interest Paid on Deposits	1,237	1,337	982.3	704.21	167.55	26.41
Interest Paid on Borrowings	154.68	155.53	187.82	214.38	56.17	19.59
Total Interest Expense	1,391	1,492	1,170	918.59	223.72	46
Net Interest Income	2,129	1,862	1,001	920.12	913.8	815.52
Net Interest Income Growth	32.37%	86.06%	8.78%	0.69%	12.05%	11.53%
Trust Income	389.42	343.4	290.57	257.2	237.21	224.13
Income From Trading Activities	24.52	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	43.3	30.97	10.72	-3.14	58.44	5.06
Other Non-Interest Income	305.66	277.28	214.89	178.87	147.15	118.33
Total Non-Interest Income	881.05	790.05	628.12	541.85	554.23	467.18
Non-Interest Income Growth	16.40%	25.78%	15.92%	-2.23%	18.63%	-16.60%
Revenues Before Loan Losses	3,010	2,652	1,629	1,462	1,468	1,283
Provision for Loan Losses	111	154.5	61.05	41.23	37.9	20
Revenue	2,899	2,498	1,568	1,421	1,430	1,263
Revenue Growth	30.78%	59.30%	10.36%	-0.66%	13.26%	8.77%
Salaries and Employee Benefits	855.35	846.14	571.33	534.73	502.94	483.23
Occupancy Expenses	62.9	57.12	37.04	37.4	36.95	47.35
Federal Deposit Insurance	29.45	28.75	31.9	77.01	15.38	11.89
Amortization of Goodwill & Intangibles	95.62	93.52	7.71	8.59	5.04	4.76
Selling, General & Administrative	432.84	458.6	303.88	274.19	268.26	233.09
Other Non-Interest Expense	129.38	138.67	74.83	67.23	69.56	53.31
Total Non-Interest Expense	1,606	1,623	1,027	999.14	898.12	833.64
EBT Excluding Unusual Items	1,294	874.96	541.27	421.6	532.01	429.06
Pretax Income	1,294	874.96	541.27	421.6	532.01	429.06
Income Tax Expense	261.47	172.56	100.03	71.58	100.33	76.04
Earnings From Continuing Operations	1,032	702.4	441.24	350.02	431.68	353.02
Net Income	1,032	702.4	441.24	350.02	431.68	353.02
Preferred Dividends & Other Adjustments	23.25	17.78	-	-	-	-
Net Income to Common	1,009	684.62	441.24	350.02	431.68	353.02
Net Income Growth	69.59%	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	14.35%	50.17%	0.60%	0.03%	0.02%	0.82%
EPS (Basic)	13.28	9.35	9.05	7.22	8.93	7.31
EPS (Diluted)	13.20	9.29	8.99	7.18	8.86	7.24
EPS Growth	48.43%	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	Sep '26 Sep 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	1.790	1.630	1.570	1.530	1.490	1.380
Dividend Growth	11.88%	3.82%	2.61%	2.69%	7.97%	10.40%
Effective Tax Rate	20.21%	19.72%	18.48%	16.98%	18.86%	17.72%

SEC Filings: 10-K · 10-Q