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

Insider Decisions trades per month

Total buys 0.23

Total sells 11.65

Totals in millions of $.

	Dec 25			Mar 26			Jun 26			Sep 26
Buy	2	—	—	2	—	—	—	—	—	—	2	—
Sell	2	2	—	2	—	—	—	3	2	9	—	—

Insider Ownership 4.01%

Capital & Financial Ratios $m

Market Cap 10,010.00

Revenue 4,356.17

Net Income 942.68

Free Cash Flow 1,040.68

Net Debt (6,225.04)

Current Ratio 0.76

Debt/Equity 0.06

P/E ratio 10.85

Fwd P/E 9.98

P/S ratio 2.29

P/B ratio 1.29

Past 5Y EPS Growth 9.39%

This Y EPS Growth 16.72%

Next Y EPS Growth 5.29%

Next Y revenue growth (27.73%)

Next 5Y EPS Growth 10.60%

Green and red mark values outside typical ranges. How we judge →

Valuation vs history

P/E against its own 10 years 19.09%

10-year low 10-year high

P/S against its own 10 years 32.10%

10-year low 10-year high

P/B against its own 10 years 35.86%

10-year low 10-year high

Dividends

Payout Ratio 0.11

Annual Dividend Rate 1.36

Annual Dividend Yield 1.04%

	total	individual payouts
2028	Powerpack
2027	Powerpack
2026	1.82	0.29 0.29 0.50
2025	1.63	0.27 0.27 0.27 0.29
2024	1.05	0.26 0.26 0.26 0.27
2023	1.02	0.25 0.25 0.25 0.26
2022	0.99	0.25 0.25 0.25 0.25
2021	0.92	0.21 0.21 0.25 0.25
2020	0.83	0.21 0.21 0.21 0.21
2019	0.81	0.20 0.20 0.20 0.21
2018	0.78	0.19 0.19 0.19 0.20
2017	0.69	0.17 0.17 0.17 0.18
2016	0.66	0.16 0.16 0.16 0.17

predictions special payouts not included in total or ratios

Assets vs Liabilities $m

	2023	2024	2025	Q'26
Cash	5,870	9,133	9,464	6,705
Receivables	—	—	—	—
Inventory	—	—	—	—
Other	—	—	—	—
	29,048	34,765	48,175	47,772

	2023	2024	2025	Q'26
Payables	35,793	43,142	60,657	59,767
ST’ Debt	—	—	—	—
Other	—	—	—	—
	40,102	46,120	64,417	63,211

Compound Annual Growth %

	10y	5y	3y
Sales	17.86%	24.81%	34.80%
Cash Flow	17.09%	22.41%	10.09%
Earnings	19.42%	19.03%	16.62%
Book Value	15.05%	20.59%	42.35%

Revenue $m

	Mar	Jun	Sep	Dec	Year
’26	1,072	1,117	—	—	—
’25	904	1,073	1,082	1,085	4,144
’24	679	683	716	720	2,799
’23	539	599	605	637	2,381
’22	345	425	429	492	1,692
’21	315	344	329	340	1,329
’20	310	313	310	436	1,369

Fiscal quarters ending in the months shown.

Operating Cash Flow $m

	Mar	Jun	Sep	Dec	Year
’26	361	349	—	—	—
’25	363	285	272	106	1,027
’24	56	112	124	(67)	225
’23	2	154	232	85	473
’22	196	210	219	144	770
’21	116	61	185	172	534
’20	9	92	114	158	374

Fiscal quarters ending in the months shown.

Free Cash Flow $m

	Mar	Jun	Sep	Dec	Year
’26	357	331	—	—	—
’25	354	271	258	95	978
’24	56	107	119	(77)	205
’23	(8)	150	226	81	450
’22	190	205	202	127	725
’21	110	54	180	161	504
’20	0	75	102	145	322

Fiscal quarters ending in the months shown.

EPS $

	Mar	Jun	Sep	Dec	Year
’26	3.35	3.56	—	—	—
’25	1.21	2.82	2.36	2.74	9.29
’24	2.25	2.07	2.23	2.44	8.99
’23	1.90	1.85	1.98	1.45	7.18
’22	2.17	2.83	1.81	2.06	8.86
’21	1.91	1.79	1.94	1.61	7.24
’20	(0.07)	1.26	1.52	3.24	5.93

Fiscal quarters ending in the months shown.

Group	Line	2016	2017	2018	2019	2020	2021	2022	2023	2024	2025	2026e
Price, $
Price, $	Low	39.55	62.27	57.00	59.88	39.47	67.33	76.97	50.68	76.00	82.00	Analyst estimates 2026–2028 Powerpack
	High	81.11	81.55	82.14	71.97	72.76	109.90	112.24	92.68	129.94	126.14
People
People	Employees	3,688	3,570	3,573	3,670	3,591	3,529	3,770	3,599	3,698	5,222
	Revenue/emp, $m	0.25	0.29	0.32	0.35	0.38	0.38	0.45	0.66	0.76	0.79
Income, $m
Income, $m	Revenue	926	1,040	1,134	1,290	1,369	1,329	1,692	2,381	2,799	4,144
	Gross margin, %	97.01	94.43	89.28	85.11	94.36	96.54	86.78	61.41	58.20	64.00
	EBT	199	236	224	286	339	429	532	422	541	875
	EBT margin, %	21.46	22.72	19.72	22.17	24.76	32.29	31.45	17.71	19.34	21.11
	Net income	159	247	196	244	287	353	432	350	441	702
	Depreciation	109	103	96	90	107	110	100	102	98	133
Per share, $
Per share, $	Revenue	18.96	21.14	22.98	26.44	28.43	27.53	35.00	49.08	57.42	56.57
	Earnings	3.25	5.02	3.97	4.99	5.95	7.31	8.93	7.22	9.05	9.35
	Cash flow	6.07	6.63	5.99	6.97	7.76	11.06	15.92	9.74	4.62	14.01
	Capex	(1.01)	(0.68)	(1.07)	(1.37)	(1.07)	(0.62)	(0.93)	(0.48)	(0.41)	(0.66)
	Free cash flow	5.07	5.95	4.93	5.60	6.69	10.45	14.99	9.27	4.21	13.35
	Book value	40.19	44.32	45.17	53.43	62.67	65.16	55.17	63.92	71.11	105.02
	Shares, m	49	49	49	49	48	48	48	49	49	73
Valuation, ×
Valuation, ×	P/E	23.64	14.36	15.40	13.73	11.56	14.50	9.25	11.62	12.46	12.50
	P/S	4.04	3.41	2.65	2.60	2.43	3.86	2.36	1.71	1.97	2.03
	P/B	1.91	1.63	1.35	1.28	1.10	1.63	1.50	1.31	1.59	1.14
	EV/Sales	2.50	1.57	0.63	0.07	(1.19)	(3.85)	1.01	(0.60)	(1.16)	(0.14)
	EV/FCF	9.36	5.59	2.92	0.35	(5.08)	(10.13)	2.37	(3.15)	(15.81)	(0.57)
Cash, $m
Cash, $m	Operating cash flow	296	327	296	340	374	534	770	473	225	1,027
	Capex	(49)	(33)	(53)	(67)	(52)	(30)	(45)	(23)	(20)	(49)
	Free cash flow	247	293	243	273	322	504	725	450	205	978
Balance, $m
Balance, $m	Working capital	(6,546)	(6,205)	(6,409)	(6,947)	(8,426)	(11,475)	(11,414)	(11,054)	(11,355)	(16,242)
	Total debt	77	79	83	70	270	272	381	383	385	474
	Net debt	(1,425)	(1,911)	(2,298)	(3,252)	(4,956)	(10,232)	(2,275)	(5,487)	(8,748)	(8,989)
	Shareholders’ equity	1,962	2,182	2,228	2,606	3,017	3,145	2,667	3,100	3,467	7,694
Returns, %
Returns, %	ROA	0.80	1.16	0.87	0.98	0.96	0.93	1.06	0.85	0.93	1.11
	ROIC	23.10	54.57	0.00	0.00	0.00	0.00	84.81	0.00	0.00	0.00
	ROE	8.24	11.93	8.87	10.08	10.19	11.46	14.85	12.14	13.44	12.60

Negative figures in brackets.

All 10 years →

Fiscal years to Dec 2025 · latest quarter Jun 2026

Charts ten years each

Company	Market cap	P/E	Fwd P/E	Revenue growth (Q)	EPS growth (Q)	FCF growth (Q)	Gross margin (Q)	EBIT margin (Q)	Compare
FHN First Horizon Corporation	$10.8B	15.9×	11.3×	−39.55% (below 0%: shrinking)	n/m	+664.86% (above 0%: growing)	52.50%	0.00%	Compare
CIB Grupo Cibest S.A. - Sponsored ADR	$10.7B	19.1×	—	+178.87% (above 0%: growing)	+85.47% (above 0%: growing)	−187.28% (below 0%: shrinking)	71.39%	0.00%	Compare
BPOP Popular, Inc.	$10.0B	10.7×	10.1×	+4.48% (above 0%: growing)	+40.78% (above 0%: growing)	+46.43% (above 0%: growing)	75.20%	0.00%	Compare
UMBF UMB Financial Corporation	$10.0B	10.9×	10.0×	+4.12% (above 0%: growing)	+26.06% (above 0%: growing)	+22.27% (above 0%: growing)	69.66%	0.00%
SSB SouthState Bank Corporation	$9.8B	10.7×	10.1×	+0.83% (above 0%: growing)	+11.32% (above 0%: growing)	+408.25% (above 0%: growing)	71.95%	0.00%	Compare
WTFC Wintrust Financial Corporation	$9.7B	11.4×	11.7×	+5.52% (above 0%: growing)	+18.44% (above 0%: growing)	−23.80% (below 0%: shrinking)	66.99%	0.00%	Compare
CFR Cullen/Frost Bankers, Inc.	$9.6B	14.7×	13.2×	+0.53% (above 0%: growing)	+12.97% (above 0%: growing)	−106.23% (below 0%: shrinking)	79.66%	0.00%	Compare
ONB Old National Bancorp	$9.6B	11.1×	9.3×	+9.45% (above 0%: growing)	+91.18% (above 0%: growing)	+330.77% (above 0%: growing)	69.90%	0.00%	Compare
ZION Zions Bancorporation, N.A.	$9.2B	8.1×	9.7×	+19.18% (above 0%: growing)	+87.12% (above 0%: growing)	+518.28% (above 0%: growing)	76.88%	0.00%	Compare
Median of peers	$9.8B	11.2×	10.1×	+5.00%	+40.78%	+188.60%	71.67%	0.00%

All 323 Banks Regional stocks →

UMB Financial Corporation (UMBF) key facts

Strength: UMB Financial Corporation’s revenue for fiscal 2025 (year ended December 2025) was $4.1 billion, up 48.1% from fiscal 2024.
Strength: Net income was $702.4 million, or $9.35 per share (basic), a net margin of 16.5%.
UMB Financial Corporation (UMBF) is a Banks Regional company in the Financial sector, listed on Nasdaq.
As of October 16, 2026, UMBF traded at $131.10, a market capitalization of $10.0 billion.
At that price the stock trades at 10.9× trailing-twelve-month earnings and 2.3× sales; its P/E is higher than 19% of its own readings over the past ten years.
UMB Financial Corporation pays an annual dividend of $1.36 per share, a yield of 1.04%, with a payout ratio of 11.3%.
Return on equity was 12.6% and debt-to-equity 0.06.
Its Piotroski F-score is 7 out of 9 for fiscal 2025.