Saturday 17 October 2026 Export UMBF’s income statement to Excel — free account

UMB Financial Corporation

UMB Financial Corporation’s revenue for fiscal 2025 (year ended December 2025) was $4.1 billion, up 48.1% from fiscal 2024. In the quarter to June 2026, revenue grew 4.12%, EPS grew 26.1%, free cash flow grew 22.3% and total debt fell 27.0%, each against the same quarter a year earlier. Dividend growth for ten consecutive years, revenue growth for three; insiders bought in the last twelve months.

131.10 0.65 −0.49%

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Market cap: $10.0B
P/E: 10.9×
Fwd P/E: 10.0×
Dividend yield: 1.04%
F-score: 7/9
Altman Z: n/a
Beneish M: n/a
Dividend safety: n/a

Overview Business Profile Financial Analysis Income Statement Balance Sheet Cash Flow Metrics & Ratios 10-Q 10-K

	Dec '25	Dec '24	Dec '23	Dec '22	Dec '21	Dec '20	Dec '19	Dec '18	Dec '17	Dec '16
P/E ratio Full definition →	12.50	12.46	11.62	9.25	14.50	11.56	13.73	15.40	14.36	23.64
Piotroski F-Score Full definition →	7	6	6	5	5	6	8	6	7	7
P/S ratio Full definition →	2.03	1.97	1.71	2.36	3.86	2.43	2.60	2.65	3.41	4.04
P/FCF ratio Full definition →	8.62	26.80	9.05	5.51	10.16	10.32	12.26	12.37	12.11	15.12
P/Operating CF Full definition →	79.45	(82.27)	47.88	27.63	29.83	20.96	22.41	42.00	43.16	29.53
P/B ratio Full definition →	1.14	1.59	1.31	1.50	1.63	1.10	1.28	1.35	1.63	1.91
Price to Tangible BV Full definition →	1.66	1.72	1.44	1.68	1.73	1.18	1.40	1.48	1.79	2.13
EV/Sales Full definition →	(0.14)	(1.16)	(0.60)	1.01	(3.85)	(1.19)	0.07	0.63	1.57	2.50
EV/EBITDA Full definition →	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
EV/Operating CF Full definition →	(0.55)	(14.41)	(3.00)	2.23	(9.57)	(4.38)	0.28	2.40	5.02	7.81
EV/FCF Full definition →	(0.57)	(15.81)	(3.15)	2.37	(10.13)	(5.08)	0.35	2.92	5.59	9.36
Quick Ratio Full definition →	0.15	0.20	0.15	0.08	0.27	0.18	0.14	0.11	0.10	0.08
Current Ratio Full definition →	0.75	0.75	0.72	0.67	0.71	0.72	0.71	0.69	0.68	0.65
Net Debt/EBITDA Full definition →	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
Debt/Assets Full definition →	0.65%	0.76%	0.87%	0.99%	0.64%	0.81%	0.26%	0.35%	0.36%	0.37%
Debt/Equity Full definition →	0.06	0.11	0.12	0.14	0.09	0.09	0.03	0.04	0.04	0.04
Asset Turnover Full definition →	0.07	0.06	0.06	0.04	0.04	0.05	0.05	0.05	0.05	0.05
Operating CF/Net income Full definition →	1.50	0.51	1.35	1.78	1.51	1.30	1.40	1.51	1.32	1.87
Capex/Depreciation Full definition →	(0.37)	(0.20)	(0.23)	(0.45)	(0.27)	(0.48)	(0.74)	(0.55)	(0.32)	(0.45)
ROE Full definition →	12.60%	13.44%	12.14%	14.85%	11.46%	10.19%	10.08%	8.87%	11.93%	8.24%
ROA Full definition →	1.11%	0.93%	0.85%	1.06%	0.93%	0.96%	0.98%	0.87%	1.16%	0.80%
ROIC Full definition →	0.00%	0.00%	0.00%	84.81%	0.00%	0.00%	0.00%	0.00%	54.57%	23.10%
Return on Tangible Assets Full definition →	(4.32%)	(3.96%)	(3.24%)	(3.87%)	(3.15%)	(3.52%)	(3.66%)	(3.19%)	(4.17%)	(2.54%)
Average Days of Receivables Full definition →	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
Research and Development Expense of Revenue Full definition →	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%
Selling, General and Administrative Expense of Revenue Full definition →	40.63%	38.58%	43.34%	55.03%	63.89%	69.12%	62.51%	69.05%	71.01%	74.61%
Intangible Assets out of Total Assets Full definition →	0.03	0.01	0.01	0.01	0.00	0.01	0.01	0.01	0.01	0.01
Share Based Compensation of Revenue Full definition →	0.91%	0.81%	0.79%	1.27%	1.60%	1.10%	1.15%	0.98%	1.28%	1.27%
Graham Net Nets Full definition →	(2.04)	(2.21)	(2.92)	(3.05)	(2.33)	(2.66)	(2.14)	(2.18)	(1.78)	(1.78)
Graham Number Full definition →	144.60	120.40	101.90	105.29	103.60	91.75	77.53	63.44	70.75	54.13
Earnings Yield Full definition →	8.00%	8.03%	8.61%	10.82%	6.90%	8.65%	7.28%	6.49%	6.96%	4.23%
Free Cash Flow Yield Full definition →	11.61%	3.73%	11.05%	18.15%	9.85%	9.69%	8.16%	8.08%	8.26%	6.61%
Revenue per Share Full definition →	56.57	57.42	49.08	35.00	27.53	28.43	26.44	22.98	21.14	18.96
Operating CF per Share Full definition →	14.01	4.62	9.74	15.92	11.06	7.76	6.97	5.99	6.63	6.07
Capex per Share Full definition →	(0.66)	(0.41)	(0.48)	(0.93)	(0.62)	(1.07)	(1.37)	(1.07)	(0.68)	(1.01)
Free Cash Flow per Share Full definition →	13.35	4.21	9.27	14.99	10.45	6.69	5.60	4.93	5.95	5.07
Cash per Share Full definition →	129.18	187.35	121.03	54.95	217.60	108.56	68.11	48.26	40.43	30.76
Shareholders Equity per Share Full definition →	105.02	71.11	63.92	55.17	65.16	62.67	53.43	45.17	44.32	40.19
Interest Debt per Share Full definition →	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
Book value per Share Full definition →	105.02	71.11	63.92	55.17	65.16	62.67	53.43	45.17	44.32	40.19
Free Cash Flow Full definition →	978.11	205.28	449.50	724.57	504.30	321.95	273.16	243.14	293.12	247.36
Working Capital Full definition →	(16,241.97)	(11,355.16)	(11,054.45)	(11,414.00)	(11,475.41)	(8,426.12)	(6,947.29)	(6,409.07)	(6,204.80)	(6,545.66)
Capital Expenditures Full definition →	(48.58)	(20.01)	(23.10)	(44.98)	(29.79)	(51.65)	(66.78)	(52.56)	(33.41)	(49.08)
Net Current Asset Value Full definition →	(17,225.41)	(12,178.08)	(11,863.34)	(12,158.44)	(11,935.62)	(8,850.25)	(7,170.25)	(6,553.81)	(6,319.68)	(6,665.29)
EV/EBIT Full definition →	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
Capex to Sales Full definition →	0.01	0.01	0.01	0.03	0.02	0.04	0.05	0.05	0.03	0.05
Price to Operating Income Full definition →	9.63	10.16	9.65	7.50	11.94	9.80	11.71	13.45	15.02	18.83
Other line items
Depreciation/Fixed assets Full definition →	0.33	0.44	0.42	0.38	0.40	0.37	0.30	0.34	0.37	0.38
Cash ROIC Full definition →	5.55%	1.58%	4.81%	12.70%	3.62%	3.78%	4.55%	5.18%	6.90%	6.99%
Accounts Receivable Turnover Full definition →	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
Accounts Payable Turnover Full definition →	0.03	0.03	0.03	0.01	0.00	0.00	0.01	0.01	0.00	0.00
Inventory Turnover Full definition →	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
Average Days of Payables Full definition →	14,838.21	13,457.49	14,222.24	53,250.15	282,471.56	127,798.42	41,071.44	57,915.98	113,422.56	218,286.15
Days of Inventory on Hand Full definition →	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
Average Payables Full definition →	51,899.41	39,467.45	34,216.00	34,119.53	31,325.59	24,327.25	20,442.25	18,652.13	17,296.81	15,831.68
Average Assets Full definition →	61,751.88	47,210.67	41,262.07	40,602.97	37,910.49	29,844.43	24,956.24	22,561.35	21,227.06	19,888.39
Average Common Equity Full definition →	5,433.02	3,283.48	2,883.76	2,906.26	3,081.19	2,811.69	2,417.46	2,205.00	2,071.96	1,928.04

Fold the line items

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