UMB Operating Income from 2010 to 2026

UMBF Stock

USD 127.14 0.13 0.10%

UMB Financial's Operating Income is increasing over the last several years with slightly volatile swings. Operating Income is estimated to finish at about 945 M this year. Operating Income is earnings before interest and taxes (EBIT), representing the amount of profit UMB Financial generates from its operations. View All Fundamentals

Operating Income

First Reported

1989-09-30

Previous Quarter

236.6 M

Current Value

295.3 M

Quarterly Volatility

48.5 M

Oil Shock

Dot-com Bubble

Housing Crash

Credit Downgrade

Yuan Drop

Covid

Interest Hikes

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.

The Operating Income trend for UMB Financial offers valuable insights into the company's financial trajectory and strategic direction. By examining multi-year patterns, investors can identify whether UMB Financial is strengthening or weakening its position, and how this metric correlates with broader market conditions and industry benchmarks.

Latest UMB Financial's Operating Income Growth Pattern

Below is the plot of the Operating Income of UMB Financial over the last few years. Operating Income is the amount of profit realized from UMB Financial operations after accounting for operating expenses such as cost of goods sold (COGS), wages and depreciation. Operating income takes the gross income and subtracts other operating expenses and then removes depreciation. Operating Income of UMB Financial is typically a synonym for earnings before interest and taxes (EBIT) and is also commonly referred to as operating profit or recurring profit. It is earnings before interest and taxes (EBIT), representing the amount of profit a company generates from its operations. UMB Financial's Operating Income historical data analysis aims to capture in quantitative terms the overall pattern of either growth or decline in UMB Financial's overall financial position and show how it may be relating to other accounts over time.

Operating Income

10 Years Trend

Slightly volatile

Compare to Others All Fundamentals

Operating Income

Timeline

UMB Operating Income Regression Statistics

	Arithmetic Mean	355,622,985
	Geometric Mean	274,926,930
	Coefficient Of Variation	71.51
	Mean Deviation	192,366,569
	Median	259,829,000
	Standard Deviation	254,300,601
	Sample Variance	64668.8T
	Range	914.7M
	R-Value	0.87
	Mean Square Error	16304.9T
	R-Squared	0.76
	Slope	44,006,672
	Total Sum of Squares	1034700.7T

UMB Operating Income History

	2026	945 M
	2025	900 M
	2024	541.3 M
	2023	421.6 M
	2022	532 M
	2021	429.1 M
	2020	338.9 M

Other Fundumenentals of UMB Financial

Non Operating Income Net Other

UMB Financial Operating Income component correlations

	Total Assets	Total Stockholder Equity	Net Debt	Retained Earnings	Total Liab	Total Current Assets	Short Term Debt	Net Receivables	Intangible Assets	Short Term Investments	Common Stock	Accounts Payable	Long Term Debt	Treasury Stock	Property Plant Equipment	Good Will	Net Tangible Assets	Long Term Debt Total	Capital Surpluse	Long Term Investments	Short Long Term Debt	Earning Assets	Net Invested Capital	Capital Stock
Total Assets		0.96	-0.27	0.98	0.76	-0.15	0.59	0.88	0.78	0.43	0.56	0.09	0.93	-0.41	0.44	0.81	0.67	0.93	0.74	0.16	-0.6	0.78	0.84	-0.76
Total Stockholder Equity	0.96		-0.09	0.9	0.8	-0.27	0.44	0.81	0.88	0.33	0.58	-0.01	0.81	-0.29	0.51	0.93	0.56	0.81	0.67	0.23	-0.55	0.67	0.72	-0.88
Net Debt	-0.27	-0.09		-0.31	0.13	-0.71	-0.55	-0.1	0.28	-0.7	-0.04	-0.75	-0.34	0.22	-0.13	0.2	-0.63	-0.35	-0.4	-0.13	0.34	-0.47	-0.39	-0.19
Retained Earnings	0.98	0.9	-0.31		0.73	-0.09	0.63	0.9	0.68	0.42	0.55	0.03	0.96	-0.44	0.44	0.71	0.73	0.96	0.79	0.18	-0.64	0.83	0.87	-0.66
Total Liab	0.76	0.8	0.13	0.73		-0.22	0.27	0.87	0.83	-0.02	0.46	-0.28	0.61	-0.18	0.2	0.81	0.18	0.6	0.42	-0.06	-0.23	0.33	0.6	-0.76
Total Current Assets	-0.15	-0.27	-0.71	-0.09	-0.22		0.37	-0.17	-0.59	0.54	0.07	0.44	-0.13	-0.03	0.07	-0.51	0.32	-0.12	0.16	0.24	-0.14	0.04	0.02	0.49
Short Term Debt	0.59	0.44	-0.55	0.63	0.27	0.37		0.53	0.18	0.84	0.68	0.33	0.62	-0.59	0.24	0.19	0.71	0.63	0.64	0.03	-0.44	0.7	0.75	-0.05
Net Receivables	0.88	0.81	-0.1	0.9	0.87	-0.17	0.53		0.72	0.17	0.42	-0.14	0.87	-0.4	0.26	0.69	0.48	0.86	0.61	-0.01	-0.4	0.66	0.89	-0.65
Intangible Assets	0.78	0.88	0.28	0.68	0.83	-0.59	0.18	0.72		-0.01	0.45	-0.18	0.59	-0.23	0.22	0.98	0.14	0.59	0.32	-0.08	-0.21	0.35	0.51	-0.93
Short Term Investments	0.43	0.33	-0.7	0.42	-0.02	0.54	0.84	0.17	-0.01		0.63	0.55	0.4	-0.43	0.37	0.08	0.75	0.41	0.58	0.3	-0.48	0.6	0.47	0.04
Common Stock	0.56	0.58	-0.04	0.55	0.46	0.07	0.68	0.42	0.45	0.63		-0.12	0.4	-0.35	0.43	0.5	0.5	0.41	0.62	0.21	-0.38	0.5	0.45	-0.28
Accounts Payable	0.09	-0.01	-0.75	0.03	-0.28	0.44	0.33	-0.14	-0.18	0.55	-0.12		0.1	-0.05	-0.03	-0.12	0.33	0.1	0.09	-0.14	-0.14	0.19	0.14	0.1
Long Term Debt	0.93	0.81	-0.34	0.96	0.61	-0.13	0.62	0.87	0.59	0.4	0.4	0.1		-0.44	0.38	0.6	0.74	1.0	0.77	0.14	-0.64	0.85	0.91	-0.57
Treasury Stock	-0.41	-0.29	0.22	-0.44	-0.18	-0.03	-0.59	-0.4	-0.23	-0.43	-0.35	-0.05	-0.44		0.31	-0.18	-0.23	-0.45	-0.07	0.25	0.01	-0.41	-0.49	0.16
Property Plant Equipment	0.44	0.51	-0.13	0.44	0.2	0.07	0.24	0.26	0.22	0.37	0.43	-0.03	0.38	0.31		0.35	0.7	0.38	0.78	0.83	-0.79	0.57	0.33	-0.26
Good Will	0.81	0.93	0.2	0.71	0.81	-0.51	0.19	0.69	0.98	0.08	0.5	-0.12	0.6	-0.18	0.35		0.24	0.6	0.4	0.06	-0.31	0.4	0.5	-0.95
Net Tangible Assets	0.67	0.56	-0.63	0.73	0.18	0.32	0.71	0.48	0.14	0.75	0.5	0.33	0.74	-0.23	0.7	0.24		0.75	0.91	0.55	-0.79	0.9	0.72	-0.16
Long Term Debt Total	0.93	0.81	-0.35	0.96	0.6	-0.12	0.63	0.86	0.59	0.41	0.41	0.1	1.0	-0.45	0.38	0.6	0.75		0.77	0.14	-0.64	0.85	0.9	-0.56
Capital Surpluse	0.74	0.67	-0.4	0.79	0.42	0.16	0.64	0.61	0.32	0.58	0.62	0.09	0.77	-0.07	0.78	0.4	0.91	0.77		0.52	-0.83	0.84	0.71	-0.29
Long Term Investments	0.16	0.23	-0.13	0.18	-0.06	0.24	0.03	-0.01	-0.08	0.3	0.21	-0.14	0.14	0.25	0.83	0.06	0.55	0.14	0.52		-0.58	0.32	0.06	-0.07
Short Long Term Debt	-0.6	-0.55	0.34	-0.64	-0.23	-0.14	-0.44	-0.4	-0.21	-0.48	-0.38	-0.14	-0.64	0.01	-0.79	-0.31	-0.79	-0.64	-0.83	-0.58		-0.67	-0.47	0.28
Earning Assets	0.78	0.67	-0.47	0.83	0.33	0.04	0.7	0.66	0.35	0.6	0.5	0.19	0.85	-0.41	0.57	0.4	0.9	0.85	0.84	0.32	-0.67		0.87	-0.29
Net Invested Capital	0.84	0.72	-0.39	0.87	0.6	0.02	0.75	0.89	0.51	0.47	0.45	0.14	0.91	-0.49	0.33	0.5	0.72	0.9	0.71	0.06	-0.47	0.87		-0.41
Capital Stock	-0.76	-0.88	-0.19	-0.66	-0.76	0.49	-0.05	-0.65	-0.93	0.04	-0.28	0.1	-0.57	0.16	-0.26	-0.95	-0.16	-0.56	-0.29	-0.07	0.28	-0.29	-0.41

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About UMB Financial Financial Statements

UMB Financial stakeholders use historical fundamental indicators, such as UMB Financial's Operating 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 Reported	Projected for Next Year
Operating Income	900 M	945 M
Non Operating Income Net Other	1.2 M	1 M

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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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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 USA ETFs module to find actively traded Exchange Traded Funds (ETF) in USA.

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.

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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UMB Operating Income from 2010 to 2026

Latest UMB Financial's Operating Income Growth Pattern

UMB Operating Income Regression Statistics

UMB Operating Income History

Other Fundumenentals of UMB Financial

UMB Financial Operating Income component correlations

About UMB Financial Financial Statements

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