UMB Financial Corporation (UMBF) — Financial statements
Income statement, balance sheet, and cash flow for UMB Financial Corporation — annual and quarterly history with growth and margin analysis.
| Metric (USD Millions) | 2025 | 2024 | 2023 | 2022 | 2021 | |
|---|---|---|---|---|---|---|
| Revenue & Gross Profit | ||||||
| Revenue | 4,444↑68.5% | 2,637↑17.5% | 2,244↑41.8% | 1,583↑27.5% | 1,242 | |
| Cost of Revenue | 2,026↑64.6% | 1,231↑28.3% | 960↑266.9% | 262↑296.4% | 66 | |
| Gross Profit | 2,418↑72.0% | 1,406↑9.4% | 1,285↓2.8% | 1,322↑12.4% | 1,176 | |
| Operating Expenses | ||||||
| R&D Expenses | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | |
| General & Administrative Expenses | 1,099↑85.0% | 594↑7.3% | 553↑5.5% | 524↑4.0% | 504 | |
| Selling & Marketing Expenses | 46↑60.6% | 28↑10.4% | 26↑0.2% | 26↑38.7% | 19 | |
| SG&A Expenses | 1,144↑83.8% | 622↑7.5% | 579↑5.3% | 550↑5.2% | 523 | |
| Other Expenses | 374↑54.2% | 242↓14.7% | 284↑18.6% | 239↑6.9% | 224 | |
| Operating Expenses | 1,518↑75.6% | 865↑0.2% | 863↑9.3% | 790↑5.7% | 747 | |
| Total Costs & Expenses | 3,544↑69.1% | 2,096↑15.0% | 1,823↑73.4% | 1,051↑29.3% | 813 | |
| Operating Results | ||||||
| Operating Income | 900↑66.3% | 541↑28.4% | 422↓20.8% | 532↑24.0% | 429 | |
| Depreciation & Amortization | 160↑203.5% | 53↓10.1% | 59↑8.7% | 54↓3.1% | 56 | |
| EBITDA | 1,060↑78.5% | 594↑23.7% | 480↓18.0% | 586↑20.9% | 485 | |
| EBIT | 900↑66.3% | 541↑28.4% | 422↓20.8% | 532↑24.0% | 429 | |
| Interest & Other Income | ||||||
| Net Interest Income | 2,572↑157.0% | 1,001↑8.8% | 920↑0.7% | 914↑12.1% | 816 | |
| Interest Income | 4,064↑87.2% | 2,171↑18.1% | 1,839↑61.6% | 1,138↑32.0% | 862 | |
| Interest Expense | 1,492↑27.5% | 1,170↑27.4% | 919↑310.6% | 224↑386.3% | 46 | |
| Non-Operating Income | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | |
| Other Income / Expenses | -25 | 0.00 | 0.00 | 0.00 | 0.00 | |
| Income Before Tax | 875↑61.6% | 541↑28.4% | 422↓20.8% | 532↑24.0% | 429 | |
| Income Tax Expense | 173↑72.5% | 100↑39.7% | 72↓28.7% | 100↑31.9% | 76 | |
| Net Income & EPS | ||||||
| Net Income from Continuing Operations | 702↑59.2% | 441↑26.1% | 350↓18.9% | 432↑22.3% | 353 | |
| Net Income from Discontinued Operations | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | |
| Net Income | 702↑59.2% | 441↑26.1% | 350↓18.9% | 432↑22.3% | 353 | |
| Bottom-Line Net Income | 685↑55.2% | 441↑26.1% | 350↓18.9% | 432↑22.3% | 353 | |
| EPS (Basic) | 9.20↑1.7% | 9.05↑25.3% | 7.22↓19.1% | 8.93↑22.2% | 7.31 | |
| EPS (Diluted) | 9.13↑1.6% | 8.99↑25.2% | 7.18↓19.0% | 8.86↑22.4% | 7.24 | |
| Weighted Average Shares | 76↑55.7% | 49↑0.5% | 49↑0.3% | 48↑0.1% | 48 | |
| Weighted Average Diluted Shares | 76↑55.9% | 49↑0.6% | 49↑0.0% | 49↑0.0% | 49 | |
* All figures in Millions of USD, except per share data. Growth rates calculated Year-over-Year (YoY). Data source: SEC Filings.