UMB Financial Statements From 2010 to 2024

UMBF Stock  USD 127.60  2.60  2.08%   
UMB Financial financial statements provide useful quarterly and yearly information to potential UMB Financial investors about the company's current and past financial position, as well as its overall management performance and changes in financial position over time. Historical trend examination of various income statement and balance sheet accounts found on UMB Financial financial statements helps investors assess UMB Financial's valuation, profitability, and current liquidity needs. Key fundamental drivers impacting UMB Financial's valuation are summarized below:
Gross Profit
1.4 B
Profit Margin
0.2574
Market Capitalization
6.1 B
Enterprise Value Revenue
4.7849
Revenue
1.5 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 2024 to make sure the company can sustain itself next year. The UMB Financial's current Market Cap is estimated to increase to about 4.3 B, while Enterprise Value is forecasted to increase to (162.7 M).

UMB Financial Total Revenue

1.39 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 964.5 M, Other Operating Expenses of 1.4 B or Operating Income of 263.5 M, as well as many indicators such as Price To Sales Ratio of 2.59, Dividend Yield of 0.0199 or PTB Ratio of 1.18. UMB financial statements analysis is a perfect complement when working with UMB Financial Valuation or Volatility modules.
  
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

Current ValueLast YearHistorical Average 10 Year Trend
Common Stock Shares Outstanding51.3 M48.8 M46.8 M
Slightly volatile
Total Assets46.2 B44 B25.5 B
Slightly volatile
Short and Long Term Debt Total1.5 B1.4 B1.4 B
Slightly volatile
Total Stockholder Equity3.3 B3.1 B2.1 B
Slightly volatile
Property Plant And Equipment Net237.3 M211.3 M251.5 M
Slightly volatile
Retained EarningsB2.8 B1.5 B
Slightly volatile
Cash5.9 B5.6 B2.8 B
Slightly volatile
Non Current Assets Total14.4 B13.7 B8.5 B
Slightly volatile
Other Assets16.1 B11.5 B20.1 B
Very volatile
Cash And Short Term Investments13.3 B12.7 B8.6 B
Slightly volatile
Liabilities And Stockholders Equity46.2 B44 B25.5 B
Slightly volatile
Non Current Liabilities Total41.1 B39.1 B5.4 B
Slightly volatile
Other Stockholder Equity562.8 M791.5 M654.1 M
Slightly volatile
Total Liabilities43 B40.9 B14.8 B
Pretty Stable
Property Plant And Equipment Gross636.5 M606.2 M383.8 M
Slightly volatile
Total Current Assets19.8 B18.9 B11.2 B
Slightly volatile
Total Current Liabilities1.7 B1.8 B5.7 B
Slightly volatile
Net Receivables545.6 M519.7 M160.4 M
Slightly volatile
Short Term Debt684.4 M1000 M1.2 B
Slightly volatile
Common Stock Total Equity51.6 M63.3 M53.5 M
Slightly volatile
Common Stock52 M63.3 M53.5 M
Slightly volatile
Other Liabilities123.9 M198.8 M135.4 M
Pretty Stable
Accounts Payable204.9 M215.7 M2.9 B
Pretty Stable
Long Term Debt402.4 M383.2 M145.4 M
Slightly volatile
Short Term Investments6.1 B7.1 B6.8 B
Slightly volatile
Intangible Assets106.5 M101.4 M50.8 M
Pretty Stable
Property Plant Equipment276.7 M303.2 M271.3 M
Slightly volatile
Good Will173.8 M238.5 M191.3 M
Pretty Stable
Net Tangible AssetsB2.7 B1.9 B
Slightly volatile
Retained Earnings Total Equity1.5 B2.9 B1.4 B
Slightly volatile
Long Term Debt Total460.4 M438.5 M151.9 M
Slightly volatile
Capital Surpluse1.1 B1.3 B990.6 M
Slightly volatile
Long Term Investments17.3 B13.2 B15.8 B
Slightly volatile
Non Current Liabilities Other2.3 BB2.1 B
Slightly volatile
Earning Assets10.3 B13.1 B9.7 B
Slightly volatile
Net Invested Capital3.4 B4.5 B2.7 B
Slightly volatile
Capital Stock44 M49.6 M54 M
Slightly volatile

UMB Financial Income Statement

Current ValueLast YearHistorical Average 10 Year Trend
Other Operating Expenses1.4 B1.3 B427.8 M
Slightly volatile
Operating Income263.5 M507.2 M314 M
Slightly volatile
Net Income367.5 M350 M217.6 M
Slightly volatile
Depreciation And Amortization34.5 M58.7 M37.1 M
Slightly volatile
Selling General Administrative301.6 M553.4 M416.2 M
Slightly volatile
Selling And Marketing Expenses19.6 M25.7 M21.7 M
Pretty Stable
Total Revenue1.4 B1.3 B875 M
Slightly volatile
Gross Profit1.4 B1.3 B875 M
Slightly volatile
Income Before Tax442.7 M421.6 M266 M
Slightly volatile
Net Income Applicable To Common Shares521.3 M496.4 M239.9 M
Slightly volatile
Net Income From Continuing Ops233.6 M350 M213.8 M
Slightly volatile
Non Operating Income Net OtherM1.2 M1.3 M
Slightly volatile
Tax Provision61.5 M71.6 M48.2 M
Slightly volatile
Net Interest Income749 M920.1 M595.8 M
Slightly volatile
Interest Income954.8 M1.8 B728 M
Slightly volatile
Extraordinary Items4.6 M4.9 M14.3 M
Slightly volatile
Reconciled Depreciation33.8 M58.7 M47.6 M
Slightly volatile

UMB Financial Cash Flow Statement

Current ValueLast YearHistorical Average 10 Year Trend
Free Cash Flow468 M445.7 M299.3 M
Slightly volatile
Begin Period Cash Flow1.4 B1.6 B2.1 B
Slightly volatile
Depreciation8.2 M8.6 M43.3 M
Very volatile
Dividends Paid78 M74.2 M51.3 M
Slightly volatile
Capital Expenditures39 M26.9 M43.9 M
Pretty Stable
Total Cash From Operating Activities496.2 M472.6 M342.4 M
Slightly volatile
Net Income367.5 M350 M218.1 M
Slightly volatile
End Period Cash Flow5.8 B5.5 B2.7 B
Slightly volatile
Change To Netincome39.5 M56.7 M37.5 M
Slightly volatile

Financial Ratios

Current ValueLast YearHistorical Average 10 Year Trend
Price To Sales Ratio2.593.05644.0953
Slightly volatile
Dividend Yield0.01990.01830.018
Slightly volatile
PTB Ratio1.181.30711.4208
Pretty Stable
Days Sales Outstanding60.4546.0144.3513
Very volatile
Book Value Per Share82.1863.9214223
Slightly volatile
Free Cash Flow Yield0.06780.110.0929
Pretty Stable
Operating Cash Flow Per Share10.239.74377.2934
Slightly volatile
Stock Based Compensation To Revenue0.01260.01410.0177
Slightly volatile
Capex To Depreciation2.273.13381.1707
Slightly volatile
PB Ratio1.181.30711.4208
Pretty Stable
Free Cash Flow Per Share9.659.18896.364
Slightly volatile
ROIC0.210.230.1507
Very volatile
Net Income Per Share7.587.21644.6032
Slightly volatile
Sales General And Administrative To Revenue0.390.41740.5897
Pretty Stable
Capex To Revenue0.01930.02030.0618
Very volatile
Cash Per Share274261207
Slightly volatile
POCF Ratio12.068.57489.496
Very volatile
Interest Coverage3.343.027.1257
Slightly volatile
Payout Ratio0.320.21210.2681
Slightly volatile
Capex To Operating Cash Flow0.05410.05690.1549
Slightly volatile
PFCF Ratio15.259.092511.5176
Pretty Stable
Income Quality1.941.35021.6651
Pretty Stable
ROE0.0730.11290.0977
Pretty Stable
PE Ratio13.1811.577715.1791
Slightly volatile
Return On Tangible Assets0.00650.0080.0085
Very volatile
Earnings Yield0.07410.08640.0698
Slightly volatile
Intangibles To Total Assets0.00860.0070.0108
Slightly volatile
Current Ratio46.5548.99776.1 K
Pretty Stable
Tangible Book Value Per Share79.7257.5547219
Slightly volatile
Receivables Turnover5.928.218.5978
Pretty Stable
Graham Number10710268.189
Slightly volatile
Shareholders Equity Per Share67.1263.921445.3083
Slightly volatile
Debt To Equity0.470.44610.1194
Slightly volatile
Capex Per Share0.610.55480.9314
Very volatile
Revenue Per Share28.727.336118.7613
Slightly volatile
Interest Debt Per Share49.8347.45710.0308
Slightly volatile
Debt To Assets0.0330.03140.0091
Slightly volatile
Short Term Coverage Ratios0.40.43380
Slightly volatile
Price Earnings Ratio13.1811.577715.1791
Slightly volatile
Price Book Value Ratio1.181.30711.4208
Pretty Stable
Dividend Payout Ratio0.320.21210.2681
Slightly volatile
Price To Operating Cash Flows Ratio12.068.57489.496
Very volatile
Price To Free Cash Flows Ratio15.259.092511.5176
Pretty Stable
Pretax Profit Margin0.220.3180.3938
Slightly volatile
Ebt Per Ebit0.390.640.658
Very volatile
Operating Profit Margin4.083.891.0656
Slightly volatile
Effective Tax Rate0.280.16980.2184
Slightly volatile
Company Equity Multiplier9.0614.195411.4141
Pretty Stable
Long Term Debt To Capitalization0.06740.110.0612
Pretty Stable
Total Debt To Capitalization0.320.30850.0921
Slightly volatile
Return On Capital Employed0.03690.03890.0241
Pretty Stable
Debt Equity Ratio0.470.44610.1194
Slightly volatile
Ebit Per Revenue4.083.891.0656
Slightly volatile
Quick Ratio46.5548.99776.1 K
Pretty Stable
Dividend Paid And Capex Coverage Ratio4.914.67213.5161
Slightly volatile
Net Income Per E B T0.610.83020.7956
Very volatile
Cash Ratio13.8414.57231.7 K
Pretty Stable
Operating Cash Flow Sales Ratio0.30.35640.5328
Slightly volatile
Days Of Sales Outstanding60.4546.0144.3513
Very volatile
Free Cash Flow Operating Cash Flow Ratio0.550.94310.8187
Very volatile
Cash Flow Coverage Ratios0.320.341710.5493
Slightly volatile
Price To Book Ratio1.181.30711.4208
Pretty Stable
Fixed Asset Turnover6.596.27523.5209
Slightly volatile
Capital Expenditure Coverage Ratio18.4417.56248.6045
Slightly volatile
Price Cash Flow Ratio12.068.57489.496
Very volatile
Debt Ratio0.0330.03140.0091
Slightly volatile
Cash Flow To Debt Ratio0.320.341710.5493
Slightly volatile
Price Sales Ratio2.593.05644.0953
Slightly volatile
Return On Assets0.00640.0080.0084
Very volatile
Asset Turnover0.05160.03010.04
Slightly volatile
Net Profit Margin0.180.2640.3203
Slightly volatile
Price Fair Value1.181.30711.4208
Pretty Stable
Return On Equity0.0730.11290.0977
Pretty Stable

UMB Financial Valuation Data

Current ValueLast YearHistorical Average 10 Year Trend
Market Cap4.3 B4.1 BB
Slightly volatile

UMB Fundamental Market Drivers

Forward Price Earnings14.0056
Cash And Short Term Investments12.7 B

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 Revenue1.3 B1.4 B
Cost Of Revenue173 M181.7 M
Stock Based Compensation To Revenue 0.01  0.01 
Sales General And Administrative To Revenue 0.42  0.39 
Capex To Revenue 0.02  0.02 
Revenue Per Share 27.34  28.70 
Ebit Per Revenue 3.89  4.08 

Currently Active Assets on Macroaxis

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:
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 Stock Tickers module to use high-impact, comprehensive, and customizable stock tickers that can be easily integrated to any websites.
Is Regional Banks space expected to grow? Or is there an opportunity to expand the business' product line in the future? 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. The financial industry is built on trying to define current growth potential and future valuation accurately. All the valuation information about UMB Financial listed above have to be considered, but the key to understanding future value is determining which factors weigh more heavily than others.
Quarterly Earnings Growth
0.126
Dividend Share
1.56
Earnings Share
8.01
Revenue Per Share
31.297
Quarterly Revenue Growth
0.107
The market value of UMB Financial is measured differently than its book value, which is the value of UMB that is recorded on the company's balance sheet. Investors also form their own opinion of UMB Financial's value that differs from its market value or its book value, called intrinsic value, which is UMB Financial's true underlying value. Investors use various methods to calculate intrinsic value and buy a stock when its market value falls below its intrinsic value. Because UMB Financial's market value can be influenced by many factors that don't directly affect UMB Financial's underlying business (such as a pandemic or basic market pessimism), market value can vary widely from intrinsic value.
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.