UMB FINANCIAL CORP financial statements

Income statement, balance sheet and cash flow statement for the last 10 fiscal years, taken from the XBRL data UMB FINANCIAL CORP files with the SEC in its annual reports.

In USD millions, except per-share amounts. Outflows in the cash flow statement are negative.

Income statement

	FY2016	FY2017	FY2018	FY2019	FY2020	FY2021	FY2022	FY2023	FY2024	FY2025
Selling and marketing	21.2	21.5	24.4	26.3	14.7	18.5	25.7	25.7	28.4	45.7
Interest expense	27.7	58	122	192	77.3	46	224	919
Pre-tax income	199	236	224	286	339	429	532	422	541	875
Income tax	45	53.4	27.3	42.4	52.4	76	100	71.6	100	173
Income from continuing operations	154	183	196	244	287
Net income	159	247	196	244	287	353	432	350	441	702
EPS, basic	3.25	5.02	3.97	4.99	5.95	7.31	8.93	7.22	9.05	9.35
EPS, diluted	3.22	4.96	3.93	4.96	5.93	7.24	8.86	7.18	8.99	9.29
Shares, basic (weighted)	48.8	49.2	49.3	48.8	48.1	48.3	48.3	48.5	48.7	73.3
Shares, diluted (weighted)	49.3	49.8	49.8	49.1	48.3	48.7	48.7	48.8	49.1	73.7
Dividend per share	0.99	1.04	1.17	1.21	1.25	1.38	1.49	1.53	1.57	1.63

Balance sheet

	FY2016	FY2017	FY2018	FY2019	FY2020	FY2021	FY2022	FY2023	FY2024	FY2025
Cash and equivalents	1,064	1,716	1,674	1,669	3,498	9,215	1,558	5,528	8,449	7,772
Property, plant and equipment	289	276	284	300	293	271	264	242	222	398
Lease right-of-use assets				66.8	63.4	57.1	54.6	50	47.6	63.5
Goodwill	181	181	181	181	181	175	207	207	207	1,840
Intangible assets	26.6	20.3	15	27.6	21.1	14.4	71	71	63.6	487
Total assets	20,683	21,772	23,351	26,561	33,128	42,693	38,512	44,012	50,410	73,094
Short-term debt								1,800
Total liabilities	18,720	19,590	21,123	23,955	30,111	39,548	35,845	40,911	46,943	65,401
Total debt	76.8	79.3	82.7	70.4	270	272	381	383	385	474
Paid-in capital	1,033	1,046	1,055	1,074	1,090	1,111	1,126	1,134	1,146	4,011
Retained earnings	1,143	1,338	1,488	1,672	1,891	2,177	2,536	2,811	3,175	3,736
Treasury stock	-211	-212	-274	-278	-338	-323	-347	-343	-336	-165
Other comprehensive income	-57.5	-45.5	-95.8	83.2	318	126	-703	-557	-573	-262
Shareholders' equity	1,962	2,182	2,228	2,606	3,017	3,145	2,667	3,100	3,467	7,694
Total equity	1,962	2,182	2,228	2,606	3,017	3,145	2,667	3,100	3,467	7,694
Total liabilities and equity	20,683	21,772	23,351	26,561	33,128	42,693	38,512	44,012	50,410	73,094
Shares outstanding	49.7	49.9	49.1	49.1	48	48.4	48.3	48.6	48.8	76

Cash flow statement

	FY2016	FY2017	FY2018	FY2019	FY2020	FY2021	FY2022	FY2023	FY2024	FY2025
Net income	159	247	196	244	287	353	432	350	441	702
Depreciation and amortization	-2.3	54.9	53.1	56.3	62.8	55.7	54	58.7	52.8	142
Stock-based compensation	11.7	13.3	11.1	14.9	15.1	21.2	21.5	18.7	22.6	37.7
Deferred income tax	1.53	59.7	-20.3	-0.15	-4.84	-12.7	-6.31	-20.4	-16.2	82.8
Cash from operations	296	327	296	340	374	534	770	473	225	1,027
Capital expenditures	-50.8	-36.4	-57.9	-72.3	-60.2	-33.7	-51.7	-23.1	-20	-48.6
Purchases of investments	-2,546	-1,585	-1,486	-2,347	-4,373	-5,080	-1,205	-1,162	-8,112	-4,743
Sales and maturities of investments	1,792	1,199	1,016	1,251	2,455	1,744	1,115	1,204	7,384	1,662
Cash from investing	-1,502	-479	-1,747	-2,985	-4,491	-4,235	-3,845	-1,273	-3,263	-5,620
Debt issued	1.5	3	4	18.6	200		110
Debt repaid	-11.7	-1.52	-1.65	-4.83						-200
Stock issued	16.9									235
Share buybacks	-16.4	-15.3	-76.5	-4.5	-63.8	-5.51	-32	-8.37	-7.74	-17.6
Dividends paid	-49	-51.9	-58.3	-59.4	-60.3	-66.8	-72	-74.2	-77.1	-136
Cash from financing	1,451	804	1,409	2,640	5,946	9,418	-4,581	4,771	5,958	3,917
Net change in cash	245	652	-42.1	-4.95	1,828	5,717	-7,657	3,970	2,920	-677
Free cash flow	246	290	238	268	313	500	718	450	205	978
Interest paid	28	56.8	115	190	84.1	47.1	196	844	1,205	1,466
Income taxes paid	44.1	45.7	63.1	2.25	34.1	92.6	102	79.3	76.9	63.2

Key metrics

Worked out from the statements above. Latest values use the trailing twelve months to June 30, 2026; growth uses fiscal years. Valuation uses the share price of $135.82 on September 25, 2026.

Profitability

Metric	Value	How it is calculated
Effective tax rate	20.7%	Income tax / pre-tax income, when pre-tax income is positive.
Return on equity (ROE)	11.7%	Net income / average shareholders' equity (opening and closing). Not shown when equity is negative.
Return on assets (ROA)	1.3%	Net income / average total assets.

Growth

Metric	Value	How it is calculated
Net income growth, 1y	59.2%	Net income vs the same period a year earlier. Only from a positive base.
Net income CAGR, 3y	17.6%	Compound annual growth of net income over 3 fiscal years: (end / start)^(1/3) - 1. Only when both values are positive.
Net income CAGR, 5y	19.6%	Compound annual growth of net income over 5 fiscal years: (end / start)^(1/5) - 1. Only when both values are positive.
EPS growth, 1y	3.3%	EPS vs the same period a year earlier. Only from a positive base.
EPS CAGR, 3y	1.6%	Compound annual growth of eps over 3 fiscal years: (end / start)^(1/3) - 1. Only when both values are positive.
EPS CAGR, 5y	9.4%	Compound annual growth of eps over 5 fiscal years: (end / start)^(1/5) - 1. Only when both values are positive.
Operating cash flow growth, 1y	355.7%	Operating cash flow vs the same period a year earlier. Only from a positive base.
Operating cash flow CAGR, 3y	10.1%	Compound annual growth of operating cash flow over 3 fiscal years: (end / start)^(1/3) - 1. Only when both values are positive.
Operating cash flow CAGR, 5y	22.4%	Compound annual growth of operating cash flow over 5 fiscal years: (end / start)^(1/5) - 1. Only when both values are positive.
Free cash flow growth, 1y	376.5%	Free cash flow vs the same period a year earlier. Only from a positive base.
Free cash flow CAGR, 3y	10.9%	Compound annual growth of free cash flow over 3 fiscal years: (end / start)^(1/3) - 1. Only when both values are positive.
Free cash flow CAGR, 5y	25.6%	Compound annual growth of free cash flow over 5 fiscal years: (end / start)^(1/5) - 1. Only when both values are positive.
Dividend per share growth, 1y	3.8%	Dividend per share vs the same period a year earlier. Only from a positive base.
Dividend per share CAGR, 3y	3.0%	Compound annual growth of dividend per share over 3 fiscal years: (end / start)^(1/3) - 1. Only when both values are positive.
Dividend per share CAGR, 5y	5.5%	Compound annual growth of dividend per share over 5 fiscal years: (end / start)^(1/5) - 1. Only when both values are positive.
Book value growth, 1y	121.9%	Book value vs the same period a year earlier. Only from a positive base.
Book value CAGR, 3y	42.4%	Compound annual growth of book value over 3 fiscal years: (end / start)^(1/3) - 1. Only when both values are positive.
Book value CAGR, 5y	20.6%	Compound annual growth of book value over 5 fiscal years: (end / start)^(1/5) - 1. Only when both values are positive.
Total assets growth, 1y	45.0%	Total assets vs the same period a year earlier. Only from a positive base.
Total assets CAGR, 3y	23.8%	Compound annual growth of total assets over 3 fiscal years: (end / start)^(1/3) - 1. Only when both values are positive.
Total assets CAGR, 5y	17.1%	Compound annual growth of total assets over 5 fiscal years: (end / start)^(1/5) - 1. Only when both values are positive.
Share count change, 1y	50.2%	Change in diluted weighted shares vs a year earlier. Negative means buybacks shrank the share count; positive means dilution.
Share count change per year, 3y	14.8%	Change in diluted weighted shares, per year over 3 years. Negative means buybacks shrank the share count; positive means dilution.
Share count change per year, 5y	8.8%	Change in diluted weighted shares, per year over 5 years. Negative means buybacks shrank the share count; positive means dilution.

Balance sheet health

Metric	Value	How it is calculated
Debt / equity	0.06x	Total debt / shareholders' equity. Not shown when equity is negative.
Debt / assets	0.7%	Total debt / total assets.
Liabilities / assets	88.9%	Total liabilities / total assets.
Net debt	-$5.13B	Total debt - cash - short-term investments. Negative means more cash than debt.
Goodwill and intangibles / assets	3.2%	(Goodwill + intangible assets) / total assets.
Tangible book value	$5.75B	Shareholders' equity - goodwill - intangible assets.

Efficiency

Metric	Value	How it is calculated
FCF conversion	110.4%	Free cash flow / net income, when net income is positive.
Capex / operating cash flow	4.4%	Capital expenditures / cash from operations, when that is positive.

Per share

Metric	Value	How it is calculated
EPS, diluted	$12.34	Net income per diluted share, as reported (split-adjusted). Over the last twelve months: the four quarters summed, or net income / latest diluted shares when a quarter has no reported EPS.
FCF per share	$13.62	Free cash flow / diluted weighted shares.
Operating cash flow per share	$14.25	Cash from operations / diluted weighted shares.
Book value per share	$105.74	Shareholders' equity / shares outstanding (diluted weighted shares when not reported).
Tangible book per share	$75.75	Tangible book value / shares outstanding.
Cash per share	$73.86	(Cash + short-term investments) / shares outstanding.
Payout ratio	16.0%	Dividends paid / net income, when net income is positive.
Dividends / FCF	14.5%	Dividends paid / free cash flow, when free cash flow is positive.
Buybacks / FCF	3.8%	Share buybacks / free cash flow, when free cash flow is positive.

Valuation

Metric	Value	How it is calculated
Market cap	$10.32B	Share price x shares outstanding.
Enterprise value	$5.19B	Market cap + total debt - cash - short-term investments.
P/E	10.9x	Market cap / net income. Only when net income is positive.
P/B	1.28x	Market cap / shareholders' equity. Only when equity is positive.
Price / tangible book	1.79x	Market cap / tangible book value, when positive.
P/FCF	9.91x	Market cap / free cash flow. Only when free cash flow is positive.
P/OCF	9.47x	Market cap / cash from operations, when positive.
EV/FCF	4.98x	Enterprise value / free cash flow, when both are positive.
FCF yield	10.1%	Free cash flow / market cap.
Earnings yield	9.1%	Net income / market cap (the inverse of P/E).
Dividend yield	1.5%	Dividends paid over the period / market cap.
Shareholder yield	1.9%	(Dividends paid + share buybacks) / market cap.
PEG	6.87x	P/E / EPS growth per year over 3 years (in percent). Only when both are positive.

Was UMB FINANCIAL CORP profitable in fiscal 2025?

Yes. Net income was $702.4M, a net margin of -.

How much free cash flow did UMB FINANCIAL CORP generate in fiscal 2025?

Cash from operations of $1.03B minus capital expenditures of $48.6M left free cash flow of $978.1M.

Source: SEC EDGAR XBRL company facts. Where a company tags only year-to-date figures, quarters are worked out as differences. Where a line is not tagged it is left empty, never estimated.

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