arrow_back Back Filing freshness 10-Q FY 2025 SEC EDGAR

download Export Data

UMB FINANCIAL CORP

UMBF

$145.60 ▲ +0.47 (+0.33%) at close

19 Visible periods

35 Metrics

Peer-ranked Benchmarks

Price Chart

Health

Good

Bullish

auto_awesome

Analytical Summary

UMB FINANCIAL CORP shows strong fundamentals with top-quartile Profit Margin (%) and Debt to Equity. The company's metrics support a bullish outlook for growth-oriented investors.

Market Cap $10.7B

Dividend Yield 1.12%

Revenue Growth 62.8% ↗

Op. Margin 33.0% →

ROIC None

FCF / Share None

Trailing P/E 15.6x

Price / Book 1.4x

FCF Yield —

Debt / Equity 0.06

info Valuation on last close. End-of-day price, Aug 7, 2026.

19-Year Financial Trajectory

Annual

Metric Value Trend Year over Year Percentile

Revenue Total top-line sales

$2.65B

↑ +62.8% —

Net Income Profit after all expenses

$702.40M

↑ +59.2% —

Operating Margin Operating profit as % of sales

33.0%

↓ -0.7% 89th

Long-Term Debt Long-term obligations

$474.23M

↑ +23.1% —

trending_up

Bullish Indicators

Debt to EquityDebt to Equity is in the top quartile (lower is better)
Operating Margin (%)Operating Margin (%) is in the top quartile
Profit Margin (%)Profit Margin (%) is in the top quartile

warning

Bearish Risks

No bearish risks detected.

Health Breakdown

Profitability →

Returns ↓

Financial Health ↓

Dividend History

Dividend / share · sourced from SEC filings

$1.63 Latest / share

+3.8% YoY

+5.4% 12-yr CAGR

$0.91

FY 2014

$0.95

FY 2015

$0.99

FY 2016

$1.04

FY 2017

$1.17

FY 2018

$1.21

FY 2019

$1.25

FY 2020

$1.38

FY 2021

$1.49

FY 2022

$1.53

FY 2023

$1.57

FY 2024

$1.63

FY 2025

Financial view

Statement lens

Choose the reporting cadence, isolate a period range, or search directly for a metric.

Cadence

Annual Quarterly

Range

→

📈 Is growth accelerating? 7 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Dec 31, 2019 10-K ↗	FY 2018 Dec 31, 2018 10-K ↗	FY 2017 Dec 31, 2017 10-K ↗	FY 2016 Dec 31, 2016 10-K ↗	FY 2015 Dec 31, 2015 10-K ↗	FY 2014 Dec 31, 2014 10-K ↗	FY 2013 Dec 31, 2013 10-K ↗	FY 2012 Dec 31, 2012 10-K ↗	FY 2011 Dec 31, 2011 10-K ↗	FY 2010 Dec 31, 2010 10-K ↗	FY 2009 Dec 31, 2009 10-K ↗	FY 2008 Dec 31, 2008 10-K ↗	FY 2007 Dec 31, 2007 10-K ↗
Revenue Growth YoY (%)	62.8% Excellent ↑ Excellent Improving Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+947%)	11.4% Good ↑ Good Improving Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+90%)	-0.4% Weak ↓ Weak Declining Year-over-year change in total revenue Optimal: > 10% vs Sector: Below avg (-107%)	14.4% Good ↑ Good Improving Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+141%)	-0.7% Weak ↓ Weak Declining Year-over-year change in total revenue Optimal: > 10% vs Sector: Below avg (-111%)	17.6% Good ↑ Good Improving Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+194%)	8.5% Fair ↑ Fair Improving Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+41%)	3.0% Caution ↓ Caution Declining Year-over-year change in total revenue Optimal: > 10% vs Sector: Below avg (-50%)	9.4% Fair ↑ Fair Improving Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+57%)	2.2% Caution ↓ Caution Declining Year-over-year change in total revenue Optimal: > 10% vs Sector: Below avg (-63%)	3.5% Caution ↓ Caution Declining Year-over-year change in total revenue Optimal: > 10% vs Sector: Below avg (-42%)	2.9% Caution ↓ Caution Declining Year-over-year change in total revenue Optimal: > 10% vs Sector: Below avg (-52%)	6.0% Fair ↓ Fair Declining Year-over-year change in total revenue Optimal: > 10% vs Sector: At sector avg	6.4% Fair ↓ Fair Declining Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+7%)	9.0% Fair ↑ Fair Improving Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+50%)	9.4% Fair Fair Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+57%)	4.3% Caution Caution Year-over-year change in total revenue Optimal: > 10% vs Sector: Below avg (-28%)	—	—
EPS Growth YoY (%)	3.3% Caution ↓ Caution Declining Year-over-year change in earnings per share Optimal: > 10%	25.3% Excellent ↑ Excellent Improving Year-over-year change in earnings per share Optimal: > 10%	-19.1% Weak ↓ Weak Declining Year-over-year change in earnings per share Optimal: > 10%	22.2% Good → Good Stable Year-over-year change in earnings per share Optimal: > 10%	22.9% Good ↑ Good Improving Year-over-year change in earnings per share Optimal: > 10%	19.2% Good → Good Stable Year-over-year change in earnings per share Optimal: > 10%	25.7% Excellent ↑ Excellent Improving Year-over-year change in earnings per share Optimal: > 10%	-20.9% Weak ↓ Weak Declining Year-over-year change in earnings per share Optimal: > 10%	54.5% Excellent ↑ Excellent Improving Year-over-year change in earnings per share Optimal: > 10%	32.1% Excellent ↑ Excellent Improving Year-over-year change in earnings per share Optimal: > 10%	-8.6% Weak ↓ Weak Declining Year-over-year change in earnings per share Optimal: > 10%	-17.2% Weak ↓ Weak Declining Year-over-year change in earnings per share Optimal: > 10%	5.9% Fair ↓ Fair Declining Year-over-year change in earnings per share Optimal: > 10%	15.4% Good ↑ Good Improving Year-over-year change in earnings per share Optimal: > 10%	17.2% Good ↑ Good Improving Year-over-year change in earnings per share Optimal: > 10%	2.3% Caution Caution Year-over-year change in earnings per share Optimal: > 10%	-7.9% Weak Weak Year-over-year change in earnings per share Optimal: > 10%	—	—
Net Income Growth YoY (%)	59.2% Excellent ↑ Excellent Improving Year-over-year change in net income	26.1% Excellent ↑ Excellent Improving Year-over-year change in net income	-18.9% Weak ↓ Weak Declining Year-over-year change in net income	22.3% Good → Good Stable Year-over-year change in net income	23.2% Good ↑ Good Improving Year-over-year change in net income	17.6% Good ↓ Good Declining Year-over-year change in net income	24.6% Good → Good Stable Year-over-year change in net income	-20.9% Weak ↓ Weak Declining Year-over-year change in net income	55.6% Excellent ↑ Excellent Improving Year-over-year change in net income	36.8% Excellent ↑ Excellent Improving Year-over-year change in net income	-3.8% Weak ↓ Weak Declining Year-over-year change in net income	-9.9% Weak ↓ Weak Declining Year-over-year change in net income	9.2% Fair ↓ Fair Declining Year-over-year change in net income	15.3% Good ↑ Good Improving Year-over-year change in net income	17.0% Good ↑ Good Improving Year-over-year change in net income	1.7% Caution Caution Year-over-year change in net income	-8.8% Weak Weak Year-over-year change in net income	—	—
FCF Growth YoY (%) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Revenue CAGR 3Y (%)	21.8% Excellent ↑ Excellent Improving Compound annual revenue growth over 3 years	8.3% Fair ↑ Fair Improving Compound annual revenue growth over 3 years	4.2% Caution ↓ Caution Declining Compound annual revenue growth over 3 years	10.2% Good ↑ Good Improving Compound annual revenue growth over 3 years	8.2% Fair ↑ Fair Improving Compound annual revenue growth over 3 years	9.5% Fair ↑ Fair Improving Compound annual revenue growth over 3 years	6.9% Fair ↑ Fair Improving Compound annual revenue growth over 3 years	4.8% Caution ↑ Caution Improving Compound annual revenue growth over 3 years	5.0% Caution ↑ Caution Improving Compound annual revenue growth over 3 years	2.9% Caution ↓ Caution Declining Compound annual revenue growth over 3 years	4.1% Caution ↓ Caution Declining Compound annual revenue growth over 3 years	5.1% Fair ↓ Fair Declining Compound annual revenue growth over 3 years	7.1% Fair ↓ Fair Declining Compound annual revenue growth over 3 years	8.3% Fair Fair Compound annual revenue growth over 3 years	7.6% Fair Fair Compound annual revenue growth over 3 years	—	—	—	—
Revenue CAGR 5Y (%)	15.5% Excellent ↑ Excellent Improving Compound annual revenue growth over 5 years	8.2% Good ↑ Good Improving Compound annual revenue growth over 5 years	7.6% Fair → Fair Stable Compound annual revenue growth over 5 years	8.4% Good ↑ Good Improving Compound annual revenue growth over 5 years	7.4% Fair ↑ Fair Improving Compound annual revenue growth over 5 years	8.0% Good ↑ Good Improving Compound annual revenue growth over 5 years	5.3% Fair ↑ Fair Improving Compound annual revenue growth over 5 years	4.2% Fair ↓ Fair Declining Compound annual revenue growth over 5 years	4.8% Fair ↓ Fair Declining Compound annual revenue growth over 5 years	4.2% Fair ↓ Fair Declining Compound annual revenue growth over 5 years	5.5% Fair ↓ Fair Declining Compound annual revenue growth over 5 years	6.7% Fair Fair Compound annual revenue growth over 5 years	7.0% Fair Fair Compound annual revenue growth over 5 years	—	—	—	—	—	—
EPS CAGR 3Y (%)	1.5% Caution ↓ Caution Declining Compound annual EPS growth over 3 years	7.4% Fair ↓ Fair Declining Compound annual EPS growth over 3 years	6.7% Fair ↓ Fair Declining Compound annual EPS growth over 3 years	21.4% Excellent ↑ Excellent Improving Compound annual EPS growth over 3 years	22.6% Excellent ↑ Excellent Improving Compound annual EPS growth over 3 years	5.8% Fair ↓ Fair Declining Compound annual EPS growth over 3 years	15.4% Excellent ↑ Excellent Improving Compound annual EPS growth over 3 years	17.3% Excellent ↑ Excellent Improving Compound annual EPS growth over 3 years	23.1% Excellent ↑ Excellent Improving Compound annual EPS growth over 3 years	0.0% Caution ↓ Caution Declining Compound annual EPS growth over 3 years	-7.1% Weak ↓ Weak Declining Compound annual EPS growth over 3 years	0.4% Caution ↓ Caution Declining Compound annual EPS growth over 3 years	12.7% Good ↑ Good Improving Compound annual EPS growth over 3 years	11.4% Good Good Compound annual EPS growth over 3 years	3.3% Caution Caution Compound annual EPS growth over 3 years	—	—	—	—

💰 Are margins durable? 5 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Dec 31, 2019 10-K ↗	FY 2018 Dec 31, 2018 10-K ↗	FY 2017 Dec 31, 2017 10-K ↗	FY 2016 Dec 31, 2016 10-K ↗	FY 2015 Dec 31, 2015 10-K ↗	FY 2014 Dec 31, 2014 10-K ↗	FY 2013 Dec 31, 2013 10-K ↗	FY 2012 Dec 31, 2012 10-K ↗	FY 2011 Dec 31, 2011 10-K ↗	FY 2010 Dec 31, 2010 10-K ↗	FY 2009 Dec 31, 2009 10-K ↗	FY 2008 Dec 31, 2008 10-K ↗	FY 2007 Dec 31, 2007 10-K ↗
Operating Margin (%) (%)	33.0% Excellent → Excellent Stable Operating income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+32%)	33.2% Excellent → Excellent Stable Operating income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+33%)	28.8% Excellent ↓ Excellent Declining Operating income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+15%)	36.2% Excellent ↑ Excellent Improving Operating income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+45%)	33.4% Excellent ↑ Excellent Improving Operating income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+34%)	26.2% Excellent ↑ Excellent Improving Operating income as a percentage of revenue Optimal: > 15% vs Sector: At sector avg	26.1% Excellent ↑ Excellent Improving Operating income as a percentage of revenue Optimal: > 15% vs Sector: At sector avg	22.1% Good → Good Stable Operating income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-12%)	24.1% Good ↑ Good Improving Operating income as a percentage of revenue Optimal: > 15% vs Sector: At sector avg	22.1% Good ↑ Good Improving Operating income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-12%)	18.1% Good Good Operating income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-27%)	19.6% Good Good Operating income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-22%)	—	—	—	—	—	—	—
Effective Tax Rate (%) (%)	19.7% Good ↑ Good Improving Actual taxes paid relative to pre-tax income Optimal: 15-25%	18.5% Good → Good Stable Actual taxes paid relative to pre-tax income Optimal: 15-25%	17.0% Good → Good Stable Actual taxes paid relative to pre-tax income Optimal: 15-25%	18.9% Good ↑ Good Improving Actual taxes paid relative to pre-tax income Optimal: 15-25%	17.7% Good ↑ Good Improving Actual taxes paid relative to pre-tax income Optimal: 15-25%	15.5% Good ↓ Good Declining Actual taxes paid relative to pre-tax income Optimal: 15-25%	14.8% Excellent ↓ Excellent Declining Actual taxes paid relative to pre-tax income Optimal: 15-25%	12.2% Excellent ↓ Excellent Declining Actual taxes paid relative to pre-tax income Optimal: 15-25%	22.6% Fair ↓ Fair Declining Actual taxes paid relative to pre-tax income Optimal: 15-25%	22.6% Fair ↓ Fair Declining Actual taxes paid relative to pre-tax income Optimal: 15-25%	27.1% Caution Caution Actual taxes paid relative to pre-tax income Optimal: 15-25%	27.3% Caution Caution Actual taxes paid relative to pre-tax income Optimal: 15-25%	—	—	—	—	—	—	—
Profit Margin (%) (%)	26.5% Excellent → Excellent Stable Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+20%)	27.1% Excellent → Excellent Stable Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+23%)	23.9% Excellent ↓ Excellent Declining Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+9%)	29.4% Excellent ↑ Excellent Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+34%)	27.5% Excellent ↑ Excellent Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+25%)	22.2% Excellent → Excellent Stable Net income as a percentage of revenue Optimal: > 15% vs Sector: At sector avg	22.2% Excellent ↑ Excellent Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: At sector avg	19.3% Good → Good Stable Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-12%)	25.2% Excellent ↑ Excellent Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+14%)	17.7% Good ↑ Good Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-20%)	13.2% Fair ↓ Fair Declining Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-40%)	14.2% Fair ↓ Fair Declining Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-35%)	16.2% Good ↑ Good Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-26%)	15.8% Good ↑ Good Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-28%)	14.6% Fair → Fair Stable Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-34%)	13.6% Fair ↓ Fair Declining Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-38%)	14.6% Fair Fair Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-34%)	16.7% Good Good Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-24%)	—
FCF Margin (%) (%) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
FCF / Net Income (x) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A

🎯 Is capital allocation efficient? 3 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Dec 31, 2019 10-K ↗	FY 2018 Dec 31, 2018 10-K ↗	FY 2017 Dec 31, 2017 10-K ↗	FY 2016 Dec 31, 2016 10-K ↗	FY 2015 Dec 31, 2015 10-K ↗	FY 2014 Dec 31, 2014 10-K ↗	FY 2013 Dec 31, 2013 10-K ↗	FY 2012 Dec 31, 2012 10-K ↗	FY 2011 Dec 31, 2011 10-K ↗	FY 2010 Dec 31, 2010 10-K ↗	FY 2009 Dec 31, 2009 10-K ↗	FY 2008 Dec 31, 2008 10-K ↗	FY 2007 Dec 31, 2007 10-K ↗
Return on Invested Capital (%) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Return on Capital (%) (%)	1.0% Weak → Weak Stable Operating profit relative to total assets Optimal: > 10%	0.9% Weak → Weak Stable Operating profit relative to total assets Optimal: > 10%	0.8% Weak ↓ Weak Declining Operating profit relative to total assets Optimal: > 10%	1.1% Weak ↑ Weak Improving Operating profit relative to total assets Optimal: > 10%	0.8% Weak ↓ Weak Declining Operating profit relative to total assets Optimal: > 10%	0.9% Weak ↓ Weak Declining Operating profit relative to total assets Optimal: > 10%	0.9% Weak → Weak Stable Operating profit relative to total assets Optimal: > 10%	0.8% Weak → Weak Stable Operating profit relative to total assets Optimal: > 10%	1.1% Weak ↑ Weak Improving Operating profit relative to total assets Optimal: > 10%	0.8% Weak ↑ Weak Improving Operating profit relative to total assets Optimal: > 10%	0.6% Weak ↓ Weak Declining Operating profit relative to total assets Optimal: > 10%	0.7% Weak ↓ Weak Declining Operating profit relative to total assets Optimal: > 10%	0.8% Weak → Weak Stable Operating profit relative to total assets Optimal: > 10%	0.8% Weak ↑ Weak Improving Operating profit relative to total assets Optimal: > 10%	0.8% Weak → Weak Stable Operating profit relative to total assets Optimal: > 10%	0.7% Weak Weak Operating profit relative to total assets Optimal: > 10%	0.8% Weak Weak Operating profit relative to total assets Optimal: > 10%	—	—
Return on Common Equity (%) (%)	9.1% Caution ↓ Caution Declining Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-24%)	12.7% Fair → Fair Stable Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Above avg (+6%)	11.3% Fair ↓ Fair Declining Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-6%)	16.2% Good ↑ Good Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Above avg (+35%)	11.2% Fair ↑ Fair Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-6%)	9.5% Caution → Caution Stable Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-21%)	9.3% Caution → Caution Stable Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-22%)	8.8% Caution → Caution Stable Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-27%)	11.3% Fair ↑ Fair Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-6%)	8.1% Caution ↑ Caution Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-33%)	6.1% Caution ↓ Caution Declining Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-49%)	7.3% Caution ↓ Caution Declining Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-39%)	8.9% Caution → Caution Stable Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-26%)	9.6% Caution ↑ Caution Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-20%)	8.9% Caution → Caution Stable Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-26%)	8.6% Caution ↓ Caution Declining Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-29%)	8.8% Caution Caution Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-27%)	10.1% Fair Fair Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-16%)	—

⚖️ Is the balance sheet risky? 4 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Dec 31, 2019 10-K ↗	FY 2018 Dec 31, 2018 10-K ↗	FY 2017 Dec 31, 2017 10-K ↗	FY 2016 Dec 31, 2016 10-K ↗	FY 2015 Dec 31, 2015 10-K ↗	FY 2014 Dec 31, 2014 10-K ↗	FY 2013 Dec 31, 2013 10-K ↗	FY 2012 Dec 31, 2012 10-K ↗	FY 2011 Dec 31, 2011 10-K ↗	FY 2010 Dec 31, 2010 10-K ↗	FY 2009 Dec 31, 2009 10-K ↗	FY 2008 Dec 31, 2008 10-K ↗	FY 2007 Dec 31, 2007 10-K ↗
Debt to Equity (x)	0.06x Excellent ↓ Excellent Declining Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Below avg (-95%)	0.11x Excellent ↓ Excellent Declining Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Below avg (-91%)	0.70x Fair ↑ Fair Improving Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Below avg (-41%)	0.14x Excellent ↑ Excellent Improving Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Below avg (-88%)	0.09x Excellent ↑ Excellent Improving Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Below avg (-93%)	0.09x Excellent ↑ Excellent Improving Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Below avg (-93%)	0.03x Excellent ↓ Excellent Declining Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Below avg (-98%)	0.04x Excellent ↓ Excellent Declining Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Below avg (-97%)	0.04x Excellent ↑ Excellent Improving Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Below avg (-97%)	0.04x Excellent ↑ Excellent Improving Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Below avg (-97%)	0.05x Excellent ↑ Excellent Improving Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Below avg (-96%)	0.01x Excellent ↓ Excellent Declining Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Below avg (-100%)	0.00x Excellent ↓ Excellent Declining Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Below avg (-100%)	0.00x Excellent ↓ Excellent Declining Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Below avg (-100%)	0.02x Excellent ↓ Excellent Declining Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Below avg (-99%)	0.04x Excellent Excellent Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Below avg (-97%)	0.05x Excellent Excellent Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Below avg (-95%)	—	—
Interest Coverage (x) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Net Debt (USD) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Debt / EBITDA (x) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A

📊 What does each share earn? 7 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Dec 31, 2019 10-K ↗	FY 2018 Dec 31, 2018 10-K ↗	FY 2017 Dec 31, 2017 10-K ↗	FY 2016 Dec 31, 2016 10-K ↗	FY 2015 Dec 31, 2015 10-K ↗	FY 2014 Dec 31, 2014 10-K ↗	FY 2013 Dec 31, 2013 10-K ↗	FY 2012 Dec 31, 2012 10-K ↗	FY 2011 Dec 31, 2011 10-K ↗	FY 2010 Dec 31, 2010 10-K ↗	FY 2009 Dec 31, 2009 10-K ↗	FY 2008 Dec 31, 2008 10-K ↗	FY 2007 Dec 31, 2007 10-K ↗
Revenue per Share (USD)	$36.20	$33.42	$30.14	$30.37	$26.57	$26.83	$22.50	$20.52	$19.96	$18.39	$18.64	$18.93	$19.99	$19.44	$18.27	$16.74	$15.21	$14.43	—
Basic EPS, GAAP (USD)	$9.35	$9.05	$7.22	$8.93	$7.31	$5.95	$4.99	$3.97	$5.02	$3.25	$2.46	$2.69	$3.25	$3.07	$2.66	$2.27	$2.22	$2.41	—
Free Cash Flow per Share (USD) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Dividend per Share (USD)	$1.63	$1.57	$1.53	$1.49	$1.38	$1.25	$1.21	$1.17	$1.04	$0.99	$0.95	$0.91	$0.87	$0.83	$0.79	$0.75	$0.71	$0.66	—
Book Value per Share (USD)	$101.28	$71.02	$63.85	$55.20	$64.95	$62.84	$53.09	$45.37	$43.72	$39.51	$38.34	$36.10	$33.30	$31.71	$29.46	$26.24	$25.11	$23.93	—
Tangible Book Value per Share (USD)	$77.06	$66.77	$59.58	$50.91	$61.34	$59.08	$49.40	$41.69	$40.10	$35.86	$33.71	$31.49	$28.67	$26.51	$24.24	$21.02	$21.86	$23.93	—
Basic Weighted Avg Shares (shares)	73.26M	48.75M	48.50M	48.34M	48.27M	48.14M	48.78M	49.33M	49.22M	48.83M	47.13M	44.84M	41.28M	40.03M	40.03M	40.07M	40.32M	40.74M	—

🏦 How resilient is the balance sheet? 3 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Dec 31, 2019 10-K ↗	FY 2018 Dec 31, 2018 10-K ↗	FY 2017 Dec 31, 2017 10-K ↗	FY 2016 Dec 31, 2016 10-K ↗	FY 2015 Dec 31, 2015 10-K ↗	FY 2014 Dec 31, 2014 10-K ↗	FY 2013 Dec 31, 2013 10-K ↗	FY 2012 Dec 31, 2012 10-K ↗	FY 2011 Dec 31, 2011 10-K ↗	FY 2010 Dec 31, 2010 10-K ↗	FY 2009 Dec 31, 2009 10-K ↗	FY 2008 Dec 31, 2008 10-K ↗	FY 2007 Dec 31, 2007 10-K ↗
Working Capital (USD) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
LT Debt (USD)	$474.23M	$385.29M	$383.25M	$381.31M	$271.54M	$269.60M	$70.37M	$82.67M	$79.28M	$76.77M	$86.07M	$8.81M	$5.05M	$5.88M	$6.53M	$8.88M	$25.46M	—	—
Total Equity (USD)	$7.69B	$3.47B	$3.10B	$2.67B	$3.15B	$3.02B	$2.61B	$2.23B	$2.18B	$1.96B	$1.89B	$1.64B	$1.51B	$1.28B	$1.19B	$1.06B	$1.02B	$974.81M	$890.57M

📋 What is driving earnings? 4 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Dec 31, 2019 10-K ↗	FY 2018 Dec 31, 2018 10-K ↗	FY 2017 Dec 31, 2017 10-K ↗	FY 2016 Dec 31, 2016 10-K ↗	FY 2015 Dec 31, 2015 10-K ↗	FY 2014 Dec 31, 2014 10-K ↗	FY 2013 Dec 31, 2013 10-K ↗	FY 2012 Dec 31, 2012 10-K ↗	FY 2011 Dec 31, 2011 10-K ↗	FY 2010 Dec 31, 2010 10-K ↗	FY 2009 Dec 31, 2009 10-K ↗	FY 2008 Dec 31, 2008 10-K ↗	FY 2007 Dec 31, 2007 10-K ↗
Sales/Revenue/Turnover (USD)	$2.65B	$1.63B	$1.46B	$1.47B	$1.28B	$1.29B	$1.10B	$1.01B	$982.48M	$897.83M	$878.52M	$848.74M	$825.10M	$778.18M	$731.30M	$670.98M	$613.16M	$587.83M	—
Depreciation Expense (USD)	—	—	—	—	—	—	—	—	—	—	—	—	—	—	$42.93M	$39.38M	—	—	—
Net Income, GAAP (USD)	$702.40M	$441.24M	$350.02M	$431.68M	$353.02M	$286.50M	$243.60M	$195.51M	$247.10M	$158.80M	$116.07M	$120.66M	$133.97M	$122.72M	$106.47M	$91.00M	$89.48M	$98.08M	—
Operating Cash Flow (USD)	$1.03B	$225.29M	$472.60M	$769.55M	$534.08M	$373.60M	$339.93M	$297.10M	$326.53M	$296.44M	—	—	$295.20M	$223.74M	$213.04M	$179.99M	$146.69M	$134.03M	—

🏛️ Sector-Specific 2 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Dec 31, 2019 10-K ↗	FY 2018 Dec 31, 2018 10-K ↗	FY 2017 Dec 31, 2017 10-K ↗	FY 2016 Dec 31, 2016 10-K ↗	FY 2015 Dec 31, 2015 10-K ↗	FY 2014 Dec 31, 2014 10-K ↗	FY 2013 Dec 31, 2013 10-K ↗	FY 2012 Dec 31, 2012 10-K ↗	FY 2011 Dec 31, 2011 10-K ↗	FY 2010 Dec 31, 2010 10-K ↗	FY 2009 Dec 31, 2009 10-K ↗	FY 2008 Dec 31, 2008 10-K ↗	FY 2007 Dec 31, 2007 10-K ↗
Net Interest Margin (approx.) (%)	2.5%	2.0%	2.1%	2.4%	1.9%	2.2%	2.5%	2.6%	2.6%	2.4%	2.2%	2.0%	2.0%	2.1%	2.3%	2.5%	2.6%	—	—
Efficiency Ratio (%) (%)	61.2%	63.0%	68.3%	61.2%	65.0%	63.7%	71.0%	70.9%	71.8%	74.3%	80.1%	78.4%	75.6%	75.9%	77.0%	76.4%	75.1%	73.2%	—

⌨️ Keyboard Shortcuts

/ Search

Esc Clear

A Annual

Q Quarterly

1-7 Jump to category

R Reset

bar_chart Data from SEC EDGAR XBRL filings

Synced 1 week ago 19 years · 72 quarters

UMB FINANCIAL CORP

Analytical Summary

19-Year Financial Trajectory

Bullish Indicators

Bearish Risks

Health Breakdown

Dividend History

Statement lens

Benchmark Lens

Signals

Percentile Rankings

Peer Comparison

Compare UMBF with peers