Friday 6 November 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.

Revenue: +4.21%
EPS: +53.8%
Free cash flow: +39.2%
Total debt: −29.3%

Quarter to September 2026, against a year earlier

134.90 3.61 −2.61%

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Market cap: $10.2B
P/E: 10.1×
Fwd P/E: 9.8×
Dividend yield: 1.01%
F-score: 7/9
Altman Z: n/a
Beneish M: n/a
Dividend safety: n/a

Overview Business Profile Earnings & Analysis Valuation Filings

	Sep '26	Jun '26	Mar '26	Dec '25	Older periods
Piotroski F-Score Full definition →	7	7	7	7	+8 more TTM periods Free account
ROE Full definition →	13.72%	12.55%	12.15%	12.60%
ROA Full definition →	1.40%	1.27%	1.21%	1.11%
ROIC Full definition →	37.22%	41.14%	191.05%	0.00%
Return on Tangible Assets Full definition →	(6.74%)	(6.10%)	(5.57%)	(4.32%)
Average Days of Receivables Full definition →	0.00	0.00	0.00	0.00
Free Cash Flow per Share Full definition →	15.03	13.70	12.89	13.35
Free Cash Flow Full definition →	1,141.76	1,040.68	980.44	978.11
Capital Expenditures Full definition →	(45.29)	(48.13)	(44.51)	(48.58)
Other line items
Cash ROIC Full definition →	8.04%	6.84%	6.04%	5.55%
Accounts Receivable Turnover Full definition →	0.00	0.00	0.00	0.00
Accounts Payable Turnover Full definition →	0.02	0.02	0.03	0.03
Inventory Turnover Full definition →	0.00	0.00	0.00	0.00
Average Days of Payables Full definition →	15,785.01	15,151.58	14,748.26	14,838.21
Days of Inventory on Hand Full definition →	0.00	0.00	0.00	0.00
Tax Rate Full definition →	(0.20)	(0.21)	(0.21)	(0.20)
Research and Development Expense of Revenue Full definition →	0.00%	0.00%	0.00%	0.00%
Selling, General and Administrative Expense of Revenue Full definition →	36.82%	37.42%	37.45%	40.63%
Share Based Compensation of Revenue Full definition →	0.94%	0.91%	0.89%	0.91%
Operating CF/Net income Full definition →	1.18	1.19	1.19	1.50
Depreciation/Fixed assets Full definition →	0.35	0.28	0.33	0.33
Capex/Depreciation Full definition →	(0.33)	(0.44)	(0.34)	(0.37)
Revenue per Share Full definition →	57.96	57.34	56.71	56.57
Operating CF per Share Full definition →	15.63	14.33	13.48	14.01
Capex per Share Full definition →	(0.60)	(0.63)	(0.59)	(0.66)
Capex to Sales Full definition →	0.01	0.01	0.01	0.01

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Columns are period end dates · fundamentals updated 2 Nov 2026

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