UMB Financial Statements From 2010 to 2026

Stocks . USA . 
Stock . UMB Financial
UMBF Stock  USD 127.27  2.61  2.09%   
UMB Financial's financial statements offer valuable quarterly and annual insights to potential investors, highlighting the company's current and historical financial position, overall management performance, and changes in financial standing over time. Key fundamentals influencing UMB Financial's valuation are provided below:
Gross Profit
2.5 B
Profit Margin
0.2812
Market Capitalization
9.5 B
Enterprise Value Revenue
4.6454
Revenue
2.5 B
There are over one hundred nineteen available fundamental measures for UMB Financial, which can be analyzed over time and compared to other ratios. Active traders should verify all of UMB Financial latest fundamental drivers against the trend between 2010 and 2026 to make sure the company can sustain itself next year. The UMB Financial's current Market Cap is estimated to increase to about 8.3 B

UMB Financial Total Revenue

4.67 Billion

Check UMB Financial financial statements over time to gain insight into future company performance. You can evaluate financial statements to find patterns among UMB Financial's main balance sheet or income statement drivers, such as Interest Expense of 1.6 B, Other Operating Expenses of 3.7 B or Operating Income of 945 M, as well as many indicators such as Price To Sales Ratio of 1.8, Dividend Yield of 0.0227 or PTB Ratio of 1.14. UMB financial statements analysis is a perfect complement when working with UMB Financial Valuation or Volatility modules.
  
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Check out the analysis of UMB Financial Correlation against competitors.
For more detail on how to invest in UMB Stock please use our How to Invest in UMB Financial guide.

UMB Financial Balance Sheet

Trends
Current ValueLast YearHistorical Average 10 Year Trend
Common Stock Shares Outstanding51 M76.5 M48.6 M
Slightly volatile
Total Assets76.7 B73.1 B31.6 B
Slightly volatile
Short and Long Term Debt Total450.5 M474.2 M1.9 B
Pretty Stable
Other Current Liabilities68.2 B64.9 B20.5 B
Slightly volatile
Total Current Liabilities68.2 B64.9 B21.3 B
Slightly volatile
Total Stockholder Equity8.1 B7.7 B2.8 B
Slightly volatile
Property Plant And Equipment Net239.1 M398.3 M250.9 M
Slightly volatile
Retained Earnings3.9 B3.7 B1.8 B
Slightly volatile
Cash1.8 B952.5 M2.8 B
Slightly volatile
Non Current Assets Total2.6 B2.7 B10.1 B
Slightly volatile
Cash And Short Term Investments904.9 M952.5 M8.3 B
Very volatile
Liabilities And Stockholders Equity76.7 B73.1 B31.6 B
Slightly volatile
Non Current Liabilities Total497.9 M474.2 M296.5 M
Slightly volatile
Other Stockholder Equity4 B3.8 B1.1 B
Slightly volatile
Total Liabilities68.7 B65.4 B21.2 B
Slightly volatile
Property Plant And Equipment Gross752.5 M716.6 M424.3 M
Slightly volatile
Total Current Assets904.9 M952.5 M9.4 B
Very volatile
Short Term Debt1.7 B3 B2 B
Slightly volatile
Net Receivables513.7 M489.2 M198.6 M
Slightly volatile
Intangible Assets511.2 M486.9 M109.2 M
Slightly volatile
Other Current Assets3.9 B5.6 B4.7 B
Slightly volatile
Short Term Investments5.9 B8.9 B7.1 B
Slightly volatile
Common Stock Total Equity51.6 M63.3 M53.7 M
Slightly volatile
Common Stock53.6 M78.7 M54.7 M
Slightly volatile
Other Liabilities123.9 M198.8 M139.8 M
Very volatile
Accounts Payable204.9 M215.7 M2.6 B
Very volatile
Long Term Debt465.2 M443.1 M180.7 M
Slightly volatile
Property Plant Equipment276.7 M303.2 M270.4 M
Slightly volatile
Good Will1.9 B1.8 B390.8 M
Slightly volatile
Net Tangible Assets2 B2.7 B1.9 B
Slightly volatile
Retained Earnings Total Equity1.5 B2.9 B1.6 B
Slightly volatile
Long Term Debt Total460.4 M438.5 M178.9 M
Slightly volatile
Capital Surpluse1.1 B1.3 B1 B
Slightly volatile
Long Term Investments17.1 B15.6 B15.6 B
Slightly volatile
Non Current Liabilities Other2.3 B3 B2.2 B
Slightly volatile
Earning Assets10.3 B13.1 B9.9 B
Slightly volatile
Net Invested Capital3.5 B4.4 B2.9 B
Slightly volatile
Capital Stock44 M49.6 M54.1 M
Slightly volatile

UMB Financial Income Statement

Trends
Current ValueLast YearHistorical Average 10 Year Trend
Other Operating Expenses3.7 B3.5 B1.2 B
Slightly volatile
Operating Income945 M900 M355.6 M
Slightly volatile
EBIT945 M900 M345.8 M
Slightly volatile
EBITDA1.1 B1.1 B406 M
Slightly volatile
Total Operating Expenses1.6 B1.5 B735.8 M
Slightly volatile
Net Income737.5 M702.4 M281 M
Slightly volatile
Depreciation And Amortization168.2 M160.2 M63.1 M
Slightly volatile
Selling General Administrative1.2 B1.1 B509.6 M
Slightly volatile
Selling And Marketing Expenses48 M45.7 M25 M
Slightly volatile
Total Revenue4.7 B4.4 B1.6 B
Slightly volatile
Gross Profit2.5 B2.4 B1.1 B
Slightly volatile
Cost Of Revenue2.1 B2 B460.4 M
Slightly volatile
Income Before Tax918.7 M875 M343.7 M
Slightly volatile
Net Income Applicable To Common Shares521.3 M496.4 M262.5 M
Slightly volatile
Net Income From Continuing Ops532.8 M507.4 M262.1 M
Slightly volatile
Non Operating Income Net Other1 M1.2 M1.3 M
Slightly volatile
Tax Provision66.4 M115 M55.5 M
Slightly volatile
Net Interest Income784.2 M1.2 B654.4 M
Slightly volatile
Interest Income2.6 B2.5 B1 B
Slightly volatile
Extraordinary Items4.6 M4.9 M13.1 M
Slightly volatile
Reconciled Depreciation34.8 M47.5 M47.9 M
Slightly volatile

UMB Financial Cash Flow Statement

Trends
Current ValueLast YearHistorical Average 10 Year Trend
Free Cash Flow176.8 M231.2 M272.3 M
Slightly volatile
Begin Period Cash Flow6.7 B6.4 B2.9 B
Slightly volatile
Depreciation44 M60.7 M49.9 M
Slightly volatile
Dividends Paid93.1 M88.7 M56 M
Slightly volatile
Capital Expenditures38.5 M27.8 M41.7 M
Very volatile
Total Cash From Operating Activities215.3 M259.1 M314.1 M
Slightly volatile
Net Income532.8 M507.4 M258 M
Slightly volatile
End Period Cash Flow10.2 B9.7 B3.7 B
Slightly volatile
Change To Netincome39.5 M56.7 M38.9 M
Slightly volatile

Financial Ratios

Trends
Current ValueLast YearHistorical Average 10 Year Trend
Price To Sales Ratio1.81.96552.6774
Pretty Stable
Dividend Yield0.02270.01420.0199
Slightly volatile
PTB Ratio1.141.13521.4115
Pretty Stable
Days Sales Outstanding46.7152.9962.1987
Slightly volatile
Book Value Per Share10610152.4325
Slightly volatile
Free Cash Flow Yield0.0650.03290.0858
Pretty Stable
Operating Cash Flow Per Share3.44.166.5492
Slightly volatile
Stock Based Compensation To Revenue0.00860.00770.011
Very volatile
Capex To Depreciation0.50.530.8296
Slightly volatile
PB Ratio1.141.13521.4115
Pretty Stable
Free Cash Flow Per Share2.783.715.6686
Slightly volatile
Net Income Per Share9.719.25165.2636
Slightly volatile
Sales General And Administrative To Revenue0.280.24720.3839
Slightly volatile
Capex To Revenue0.010.01060.0399
Slightly volatile
Cash Per Share11.9212.5465187
Very volatile
POCF Ratio29.4928.0812.4931
Slightly volatile
Interest Coverage0.570.60325.2945
Slightly volatile
Payout Ratio0.340.17620.2877
Slightly volatile
Capex To Operating Cash Flow0.120.10740.154
Slightly volatile
PFCF Ratio15.7731.4613.6616
Slightly volatile
Income Quality0.560.591.4529
Slightly volatile
ROE0.07380.09130.0992
Pretty Stable
PE Ratio12.5412.434514.8206
Slightly volatile
Return On Tangible Assets0.00650.00990.0086
Very volatile
Earnings Yield0.07540.08040.0711
Slightly volatile
Intangibles To Total Assets0.03340.03180.0144
Pretty Stable
Current Ratio0.01390.01470.3928
Slightly volatile
Tangible Book Value Per Share74.2270.689943.6395
Slightly volatile
Receivables Turnover7.617.136.6149
Slightly volatile
Graham Number15214578.4675
Slightly volatile
Shareholders Equity Per Share10610152.4325
Slightly volatile
Debt To Equity0.05860.06160.9169
Slightly volatile
Capex Per Share0.620.450.8781
Pretty Stable
Revenue Per Share61.4658.530928.6801
Slightly volatile
Interest Debt Per Share30.8625.899247.1538
Slightly volatile
Debt To Assets0.00620.00650.0787
Slightly volatile
Short Term Coverage Ratios0.10.07770.1594
Very volatile
Price Earnings Ratio12.5412.434514.8206
Slightly volatile
Operating Cycle46.7152.9962.1987
Slightly volatile
Price Book Value Ratio1.141.13521.4115
Pretty Stable
Dividend Payout Ratio0.340.17620.2877
Slightly volatile
Price To Operating Cash Flows Ratio29.4928.0812.4931
Slightly volatile
Price To Free Cash Flows Ratio15.7731.4613.6616
Slightly volatile
Pretax Profit Margin0.140.19690.2216
Pretty Stable
Ebt Per Ebit0.911.120.9131
Slightly volatile
Operating Profit Margin0.150.20250.235
Very volatile
Effective Tax Rate0.280.19720.214
Slightly volatile
Company Equity Multiplier9.099.500711.4873
Pretty Stable
Long Term Debt To Capitalization0.06820.05810.0628
Pretty Stable
Total Debt To Capitalization0.05520.05810.4478
Slightly volatile
Return On Capital Employed0.0880.11020.1128
Pretty Stable
Debt Equity Ratio0.05860.06160.9169
Slightly volatile
Ebit Per Revenue0.150.20250.235
Very volatile
Quick Ratio0.01390.01470.3928
Slightly volatile
Dividend Paid And Capex Coverage Ratio2.182.03.1902
Pretty Stable
Net Income Per E B T0.620.80280.8097
Very volatile
Cash Ratio0.01390.01470.1073
Slightly volatile
Cash Conversion Cycle46.7152.9962.1987
Slightly volatile
Operating Cash Flow Sales Ratio0.0730.07690.2685
Slightly volatile
Days Of Sales Outstanding46.7152.9962.1987
Slightly volatile
Free Cash Flow Operating Cash Flow Ratio0.540.80.8209
Very volatile
Cash Flow Coverage Ratios0.0960.06770.1465
Very volatile
Price To Book Ratio1.141.13521.4115
Pretty Stable
Fixed Asset Turnover11.7211.15766.142
Slightly volatile
Capital Expenditure Coverage Ratio4.558.387.8154
Slightly volatile
Price Cash Flow Ratio29.4928.0812.4931
Slightly volatile
Debt Ratio0.00620.00650.0787
Slightly volatile
Cash Flow To Debt Ratio0.0960.06770.1465
Very volatile
Price Sales Ratio1.81.96552.6774
Pretty Stable
Return On Assets0.00650.00960.0085
Very volatile
Asset Turnover0.06710.06080.0498
Pretty Stable
Net Profit Margin0.110.15810.1817
Pretty Stable
Gross Profit Margin0.610.54410.7975
Slightly volatile
Price Fair Value1.141.13521.4115
Pretty Stable
Return On Equity0.07380.09130.0992
Pretty Stable

UMB Financial Valuation Data

Trends
Current ValueLast YearHistorical Average 10 Year Trend
Market Cap8.3 B7.9 B5 B
Slightly volatile
Enterprise Value4.2 B7.4 B4.2 B
Slightly volatile

UMB Fundamental Market Drivers

Forward Price Earnings10.627
Cash And Short Term Investments952.5 M

UMB Upcoming Events

30th of January 2024
Upcoming Quarterly Report
View
23rd of April 2024
Next Financial Report
View
31st of December 2023
Next Fiscal Quarter End
View
30th of January 2024
Next Fiscal Year End
View
30th of September 2023
Last Quarter Report
View
31st of December 2022
Last Financial Announcement
View

About UMB Financial Financial Statements

UMB Financial stakeholders use historical fundamental indicators, such as UMB Financial's revenue or net income, to determine how well the company is positioned to perform in the future. Although UMB Financial investors may analyze each financial statement separately, they are all interrelated. For example, changes in UMB Financial's assets and liabilities are reflected in the revenues and expenses on UMB Financial's income statement, which ultimately affect the company's gains or losses. Understanding these patterns can help in making the right long-term investment decisions in UMB Financial. Please read more on our technical analysis and fundamental analysis pages.
Last ReportedProjected for Next Year
Total Revenue4.4 B4.7 B
Cost Of Revenue2 B2.1 B
Stock Based Compensation To Revenue 0.01  0.01 
Sales General And Administrative To Revenue 0.25  0.28 
Capex To Revenue 0.01  0.01 
Revenue Per Share 58.53  61.46 
Ebit Per Revenue 0.20  0.15 

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When determining whether UMB Financial is a strong investment it is important to analyze UMB Financial's competitive position within its industry, examining market share, product or service uniqueness, and competitive advantages. Beyond financials and market position, potential investors should also consider broader economic conditions, industry trends, and any regulatory or geopolitical factors that may impact UMB Financial's future performance. For an informed investment choice regarding UMB Stock, refer to the following important reports:
How To Invest In UMB
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Is UMB Stock a good investment?
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What is UMB Financial's Net Worth?
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Largest Banks - Regional Companies
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Largest Financial Services Companies
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Check out the analysis of UMB Financial Correlation against competitors.
For more detail on how to invest in UMB Stock please use our How to Invest in UMB Financial guide.
You can also try the Alpha Finder module to use alpha and beta coefficients to find investment opportunities after accounting for the risk.
Can Regional Banks industry sustain growth momentum? Does UMB have expansion opportunities? Factors like these will boost the valuation of UMB Financial. If investors know UMB will grow in the future, the company's valuation will be higher. Determining accurate worth demands scrutiny of both present operating results and projected expansion capacity. Evaluating UMB Financial demands reviewing these metrics collectively while recognizing certain factors exert disproportionate influence.
Quarterly Earnings Growth
0.126
Dividend Share
1.63
Earnings Share
9.29
Revenue Per Share
34.095
Quarterly Revenue Growth
0.676
UMB Financial's market price often diverges from its book value, the accounting figure shown on UMB's balance sheet. Smart investors calculate UMB Financial's intrinsic value—its true economic worth—which may differ significantly from both market price and book value. Market participants employ diverse analytical approaches to determine fair value and identify buying opportunities when prices dip below calculated worth. Since UMB Financial's trading price responds to investor sentiment, macroeconomic conditions, and market psychology, it can swing far from fundamental value.
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Please note, there is a significant difference between UMB Financial's value and its price as these two are different measures arrived at by different means. Investors typically determine if UMB Financial is a good investment by looking at such factors as earnings, sales, fundamental and technical indicators, competition as well as analyst projections. However, UMB Financial's price is the amount at which it trades on the open market and represents the number that a seller and buyer find agreeable to each party.
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