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UMB Financial UMBF · USD

Financials · US listing · 🇺🇸 United States

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136.65

+2.15%

Close of 9 Nov 2026, in USD

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Reference data, closing prices and charts across 45,000 companies, plus crypto, commodities and currencies.

At a glance

Figures in USD, from our data supplier.

FY2025

Revenue, before interest expense

$4.44bn

FY2016FY2025

Net income

$702.4m

FY2016FY2025

Total assets

$73.09bn

FY2016FY2025

Shareholders' equity

$7.69bn

FY2016FY2025

Income statement

Fiscal years

FY2025FY2024FY2023FY2022FY2021FY2020FY2019FY2018FY2017FY2016
Revenue, before interest expense$4.44bn$2.64bn$2.24bn$1.58bn$1.24bn$1.30bn$1.22bn$1.07bn$978.7m$868.8m
Operating income$900.0m$541.3m$421.6m$532.0m$429.1m$338.9m$286.0m$223.6m$236.3m$198.6m
Net income$702.4m$441.2m$350.0m$431.7m$353.0m$286.5m$243.6m$195.5m$247.1m$158.8m
Diluted earnings per share9.188.977.168.867.235.944.953.974.963.20

Balance sheet

At each fiscal year end

FY2025FY2024FY2023FY2022FY2021FY2020FY2019FY2018FY2017FY2016
Total assets$73.09bn$50.41bn$44.01bn$38.51bn$42.69bn$33.13bn$26.56bn$23.35bn$21.77bn$20.68bn
Cash and short-term investments$952.5m$16.33bn$12.68bn$420,000$21.23bn$12.84bn$9.15bn$8.24bn$8.00bn$7.60bn
Total liabilities$65.40bn$46.94bn$40.91bn$381.3m$271.5m$269.6m$97.5m$21.12bn$19.59bn$18.72bn
Debt$3.80bn$3.00bn$4.30bn$2.60bn$3.51bn$2.58bn$1.99bn$1.60bn$1.34bn$1.93bn
Shareholders' equity$7.69bn$3.47bn$3.10bn$38.13bn$42.42bn$32.86bn$26.46bn$2.23bn$2.18bn$1.96bn
Shares outstanding76m49m49m49m49m48m49m49m50m50m

Latest quarters

By quarter end

Jun 2026Mar 2026Dec 2025Sept 2025Jun 2025Mar 2025Dec 2024Sept 2024
Revenue, before interest expense$1.12bn$867.1m$1.09bn$1.49bn$1.02bn$850.5m$680.2m$674.3m
Operating income$350.4m$126.5m$295.3m$236.6m$275.0m$93.1m$144.8m$135.7m
Net income$277.6m$261.4m$215.4m$188.3m$217.4m$81.3m$120.0m$109.6m
Diluted earnings per share3.633.422.822.462.841.062.442.23
Total assets$72.26bn$72.67bn$73.09bn$71.88bn$71.76bn$69.35bn$50.41bn$47.50bn
Cash and short-term investments$779.9m$735.8m$952.5m$17.37bn$11.38bn$21.62bn$16.33bn$14.40bn
Debt$3.34bn$3.81bn$3.58bn$3.09bn$3.37bn$3.21bn$3.00bn$2.66bn
Shareholders' equity$8.03bn$7.83bn$7.69bn$7.44bn$7.29bn$6.75bn$3.47bn$3.54bn

Financial ratios

Data as of 6 Oct 2026

FY2025FY2024FY2023FY2022FY2021FY2020
Operating margin20.3%20.5%18.8%33.6%34.5%26.2%
Net margin15.8%16.7%15.6%27.3%28.4%22.1%
Return on equity9.1%12.7%11.3%1.1%0.8%0.9%
Return on assets1.0%0.9%0.8%1.1%0.8%0.9%
Revenue growth68.5%17.5%41.8%27.5%-4.1%6.2%
Earnings growth59.2%26.1%-18.9%22.3%23.2%17.6%
Current ratio0.01x0.36x0.34x0.00x1.09x1.06x
Debt to equity0.47x0.86x1.13x0.07x0.08x0.08x
Equity ratio10.5%6.9%7.0%99.0%99.4%99.2%
Interest coverage0.60x0.46x0.46x2.38x9.33x4.39x
Buybacks as a share of market value-55.5%-0.7%-0.3%0.2%-1.2%1.9%

Growth per year

Compound annual rate

3 years5 years10 years
Revenue41.1%28.0%19.6%
Operating income19.2%21.6%21.5%
Net income17.6%19.6%19.7%

Average margins

Over each period

1 year3 years5 years10 years
Operating margin20.4%22.0%23.5%23.1%
Net margin16.2%17.7%19.1%19.2%

Valuation history

At each fiscal year end

FY2025FY2024FY2023FY2022FY2021FY2020FY2019FY2018FY2017FY2016
Price to earnings12.512.611.79.414.711.613.915.314.524.1
Price to sales2.02.11.82.64.22.62.82.83.74.4

Market value over time

30 Nov 2016 to 5 Oct 2026, in USD

$3.75bn$9.92bn

Share price return

Finished calendar years

2025202420232022202120202019201820172016
Return5%36%7%-21%46%-3%16%-19%-3%68%

Dividends and splits

Per share, in the currency the company pays

Paid for 37 years. Last went ex-dividend on 10 Dec 2026.

FY2026FY2025FY2024FY2023FY2022FY2021FY2020FY2019
Paid in the year1.861.631.571.531.491.381.251.21
  • 2-for-1 split · 31 May 2006
  • 21-for-20 split · 10 Dec 2001
  • 11-for-10 split · 9 Dec 1999
  • 21-for-20 split · 9 Dec 1997
  • 21-for-20 split · 9 Dec 1996
  • 11-for-10 split · 11 Dec 1995

Sources and methodology

Data on this tab
Our data supplier
Chart on the Overview
TradingView

Nothing here is investment advice. Prices can be delayed or wrong, so check with the exchange before relying on them. Data for this page. How we cover markets.