UMB Financial Corp (UMBF) Financial Statements
Historical financial data — 39 statements covering FY2016–FY2025
UMB Financial Corp, or UMBF, is a financial services holding company offering a suite of banking services and asset servicing to its customers in the United States and around the world. Its client...
UMB Financial Corp's revenue increased 48.1% year over year, from $2.80B to $4.14B.
Net income increased 59.2% over the same period, from $441.2M to $702.4M.
Over the 9-year period from FY2016 to FY2025, revenue grew by 315% in total.
Total debt increased by 23.1% to $474.2M.
The debt-to-equity ratio stands at 0.06, indicating a conservative leverage profile.
Operating cash flow grew 355.7% to $1.03B.
UMB Financial Corp maintains a healthy net profit margin of 16.9%.
Recent Financial Statements
Quarterly figures are standalone quarters, de-cumulated from YTD filings (Q4 = FY − Q3 YTD when not reported).
| Period | Revenue | Net Income | Gross Profit | EBIT | Op. Cash Flow | Total Assets | Total Debt | Equity |
|---|---|---|---|---|---|---|---|---|
| Q2 FY2024 | $1.36B+125.1% | $211.6M | N/A | $260.8M | $168.5M | $44.47B | $1.68B | $3.23B |
| Q3 FY2024 | $716.4M-47.4% | $109.6M | N/A | $135.7M | $123.6M | $47.50B | $1.43B | $3.54B |
| Q4 FY2024 | $720.2M+0.5% | $120.0M | N/A | $144.8M | $-66.9M | $50.41B | $385.3M | $3.47B |
| Q1 FY2025 | $904.2M+25.5% | $81.3M | N/A | $93.0M | $363.0M | $69.35B | $654.4M | $6.75B |
| Q2 FY2025 | $1.07B+18.6% | $217.4M | N/A | $275.0M | $285.4M | $71.76B | $657.3M | $7.29B |
| Q3 FY2025 | $1.08B+0.9% | $188.3M | N/A | $236.6M | $272.2M | $71.88B | $471.3M | $7.44B |
| Q4 FY2025 | $1.09B+0.3% | $215.4M | N/A | $270.3M | $106.1M | $73.09B | $474.2M | $7.69B |
| Q1 FY2026 | $1.07B-1.2% | $261.4M | N/A | $331.3M | $361.3M | $72.67B | $477.2M | $7.83B |
Balance Sheet Summary (Latest Period)
UMB Financial Corp (UMBF) Financial Statements & Revenue History
UMB Financial Corp (UMBF) is a US-listed stock operating in the Financial Services sector, specifically the National Commercial Banks industry trading at $135.82 with a market capitalization of $10. This page provides 39 historical financial statements for UMB Financial Corp, including income statement, balance sheet, and cash flow data across multiple reporting periods. Most recently, UMB Financial Corp reported revenue of $4.1 billion, representing 48.1% year-over-year growth. The net profit margin of 16.9% reflects strong profitability. The debt-to-equity ratio of 0.06 shows conservative leverage.
UMBF Income Statement, Balance Sheet & Cash Flow
The financial statements table above shows UMB Financial Corp's revenue, net income, gross profit, EBIT, operating cash flow, total assets, total debt, and shareholders' equity across the most recent reporting periods. Year-over-year growth rates help identify whether UMBF is accelerating or decelerating in terms of top-line revenue and bottom-line profitability.
- Revenue trend: Track UMBF's top-line growth across quarters and fiscal years to identify acceleration or deceleration in the business.
- Profitability: Net income and gross profit margins reveal how efficiently UMB Financial Corp converts revenue into earnings.
- Balance sheet health: Total assets, liabilities, debt, and equity provide a snapshot of UMBF's financial position and leverage.
- Cash flow: Operating cash flow shows how much cash the business generates from its core operations, which is critical for funding dividends, buybacks, and growth.
How to Use UMBF Financial Data
Investors use UMB Financial Corp's financial statements to assess the company's financial health, growth trajectory, and valuation. Key metrics to focus on include:
- Revenue growth rate: Consistent double-digit revenue growth suggests a strong business; declining revenue may signal competitive pressure.
- Net profit margin: Higher margins indicate a more efficient business with pricing power. Compare UMBF's margins to sector peers for context.
- Debt levels: High debt-to-equity ratios increase financial risk, especially in rising-rate environments. Low debt provides flexibility.
- Valuation multiples: See how UMBF's P/E, P/S, and EV/EBITDA ratios compare to historical levels.
- Full analysis: View UMBF's financial health score, earnings, and pre-market pricing.
Financial data is sourced from UMB Financial Corp's SEC filings (10-K, 10-Q) via Polygon.io and Finnhub.UMBF trades on NYSE. This page is for informational purposes only and is not financial advice.