What is UMBF revenue?

UMB Financial Corporation (UMBF) reported $3.01B of revenue for the twelve months ended Sep 30, 2026. That is up 27.3% from the year before. Revenue for fiscal 2025 was $2.65B.

Yes. UMB Financial Corporation earned $1.03B in net income for the twelve months ended Sep 30, 2026, a net margin of 34.3%.

How much cash and debt does UMBF have?

UMB Financial Corporation reported $4.60B in cash and cash equivalents and $333.11M of debt on its most recent balance sheet in SEC filings.

How fast is UMBF revenue growing?

UMB Financial Corporation's revenue changed +62.8% in fiscal 2025, to $2.65B. Its compound annual growth rate was +15.5% over 5 years and +13.0% over 10 years.

What is UMBF free cash flow?

UMB Financial Corporation generated $1.14B of free cash flow for the twelve months ended Sep 30, 2026, which is operating cash flow of $1.19B less capital expenditures.

What is UMBF earnings per share?

Diluted earnings per share were $13.37 for the twelve months ended Sep 30, 2026, from SEC filings, restated for any stock split those filings show.

When did UMBF last report financial results?

The latest statements here come from UMB Financial Corporation's 10-Q filed on Oct 29, 2026, covering the period ended Sep 30, 2026.

Financials · UMBF

UMB Financial Corporation (UMBF) financials

For the twelve months ended Sep 30, 2026, UMB Financial Corporation reported $3.01B of revenue and $1.03B of net income.

Revenue, TTM: $3.01B
Revenue growth, YoY: +27.3%
Net income, TTM: $1.03B
Net income growth, YoY: +70.1%
Net margin: 34.3%
Free cash flow, TTM: $1.14B
EPS, diluted, TTM: $13.37
EPS growth, YoY: +51.4%
Cash: $4.60B
Total debt: $333.11M
P/E: 10.05
P/S: 3.45
Market cap: $10.38B

Annual revenue$2.65B

FY2016FY2025

Annual net income$702.40M

FY2016FY2025

Annual free cash flow$978.11M

FY2016FY2025

UMBF revenue and earnings growth

UMBF revenueQ3 2026$772.39M

Quarter YoY: +13.9%
QoQ: -0.7%
FY YoY: +62.8%
5Y CAGR: +15.5%
10Y CAGR: +13.0%

UMBF revenue was $772.39M in fiscal Q3 2026 (ended Sep 30, 2026), up 13.9% from a year earlier and down 0.7% from the prior quarter. For the full fiscal 2025 it was $2.65B, up 62.8% from fiscal 2024. Compound annual growth was +15.5% over 5 years and +13.0% over 10 years. It rose in 8 of the last 10 fiscal years. Fiscal 2025 is the highest of the 15 fiscal years on file.

UMBF net incomeQ3 2026$278.08M

Quarter YoY: +47.7%
QoQ: +0.2%
FY YoY: +59.2%
5Y CAGR: +19.6%
10Y CAGR: +19.7%

UMBF net income was $278.08M in fiscal Q3 2026 (ended Sep 30, 2026), up 47.7% from a year earlier and up 0.2% from the prior quarter. For the full fiscal 2025 it was $702.40M, up 59.2% from fiscal 2024. Compound annual growth was +19.6% over 5 years and +19.7% over 10 years. It rose in 8 of the last 10 fiscal years. Fiscal 2025 is the highest of the 15 fiscal years on file.

UMBF EPSQ3 2026$3.56

Quarter YoY: +50.8%
QoQ: +0.0%

UMBF diluted EPS was $3.56 in fiscal Q3 2026 (ended Sep 30, 2026), up 50.8% from a year earlier and up 0.0% from the prior quarter. For the full fiscal 2025 it was $9.29.

UMBF free cash flowQ3 2026$358.89M

Quarter YoY: +39.2%
QoQ: +8.5%
FY YoY: +376.5%
5Y CAGR: +25.6%
10Y CAGR: +20.0%

UMBF free cash flow was $358.89M in fiscal Q3 2026 (ended Sep 30, 2026), up 39.2% from a year earlier and up 8.5% from the prior quarter. For the full fiscal 2025 it was $978.11M, up 376.5% from fiscal 2024. Compound annual growth was +25.6% over 5 years and +20.0% over 10 years. It rose in 7 of the last 10 fiscal years. Fiscal 2025 is the highest of the 15 fiscal years on file.

Export CSV

Income statement

Income statement
Line item	FY2025 Dec 31, 2025	FY2024 Dec 31, 2024	FY2023 Dec 31, 2023	FY2022 Dec 31, 2022	FY2021 Dec 31, 2021	FY2020 Dec 31, 2020	FY2019 Dec 31, 2019	FY2018 Dec 31, 2018	FY2017 Dec 31, 2017	FY2016 Dec 31, 2016
Revenue	$2.65B	$1.63B	$1.46B	$1.47B	$1.28B	$1.29B	$1.10B	$1.01B	$982.48M	$897.83M
Interest expense	-	-	$918.59M	$223.72M	$46.00M	$77.26M	$191.99M	$121.52M	$58.00M	$27.71M
Pre-tax income	$874.96M	$541.27M	$421.60M	$532.01M	$429.06M	$338.89M	$285.96M	$223.59M	$236.35M	$198.59M
Income tax	$172.56M	$100.03M	$71.58M	$100.33M	$76.04M	$52.39M	$42.37M	$27.33M	$53.37M	$44.95M
Net income	$702.40M	$441.24M	$350.02M	$431.68M	$353.02M	$286.50M	$243.60M	$195.51M	$247.10M	$158.80M
EPS, basic	$9.35	$9.05	$7.22	$8.93	$7.31	$5.95	$4.99	$3.97	$5.02	$3.25
EPS, diluted	$9.29	$8.99	$7.18	$8.86	$7.24	$5.93	$4.96	$3.93	$4.96	$3.22
Diluted shares	73.7M	49.1M	48.8M	48.7M	48.7M	48.3M	49.1M	49.8M	49.8M	49.3M

Balance sheet

Balance sheet
Line item	FY2025 Dec 31, 2025	FY2024 Dec 31, 2024	FY2023 Dec 31, 2023	FY2022 Dec 31, 2022	FY2021 Dec 31, 2021	FY2020 Dec 31, 2020	FY2019 Dec 31, 2019	FY2018 Dec 31, 2018	FY2017 Dec 31, 2017	FY2016 Dec 31, 2016
Cash and equivalents	$7.77B	$8.45B	$5.53B	$1.56B	$9.21B	$3.50B	$1.67B	$1.67B	$1.72B	$1.06B
Goodwill	$1.84B	$207.38M	$207.38M	$207.38M	$174.52M	$180.87M	$180.87M	$180.87M	$180.87M	$180.87M
Total assets	$73.09B	$50.41B	$44.01B	$38.51B	$42.69B	$33.13B	$26.56B	$23.35B	$21.77B	$20.68B
Short-term debt	-	-	$1.80B	-	-	-	-	-	-	-
Total debt	$474.23M	$385.29M	$2.18B	$381.31M	$271.54M	$269.60M	$70.37M	$82.67M	$79.28M	$76.77M
Total liabilities	$65.40B	$46.94B	$40.91B	$35.85B	$39.55B	$30.11B	$23.95B	$21.12B	$19.59B	$18.72B
Shareholders' equity	$7.69B	$3.47B	$3.10B	$2.67B	$3.15B	$3.02B	$2.61B	$2.23B	$2.18B	$1.96B

Cash flow

Cash flow
Line item	FY2025 Dec 31, 2025	FY2024 Dec 31, 2024	FY2023 Dec 31, 2023	FY2022 Dec 31, 2022	FY2021 Dec 31, 2021	FY2020 Dec 31, 2020	FY2019 Dec 31, 2019	FY2018 Dec 31, 2018	FY2017 Dec 31, 2017	FY2016 Dec 31, 2016
Operating cash flow	$1.03B	$225.29M	$472.60M	$769.55M	$534.08M	$373.60M	$339.93M	$295.70M	$326.53M	$296.44M
Capital expenditures	$48.58M	$20.01M	$23.10M	$51.72M	$33.69M	$60.22M	$72.31M	$57.94M	$36.45M	$50.84M
Free cash flow	$978.11M	$205.28M	$449.50M	$717.84M	$500.39M	$313.38M	$267.62M	$237.76M	$290.08M	$245.60M
Investing cash flow	-$5.62B	-$3.26B	-$1.27B	-$3.85B	-$4.24B	-$4.49B	-$2.99B	-$1.75B	-$478.58M	-$1.50B
Financing cash flow	$3.92B	$5.96B	$4.77B	-$4.58B	$9.42B	$5.95B	$2.64B	$1.41B	$804.35M	$1.45B
Dividends paid	$135.62M	$77.13M	$74.25M	$72.03M	$66.75M	$60.28M	$59.44M	$58.28M	$51.88M	$49.04M
Share repurchases	$17.63M	$7.74M	$8.37M	$32.00M	$5.51M	$63.77M	$4.50M	$76.51M	$15.28M	$16.37M
Stock-based compensation	$37.74M	$22.58M	$18.69M	$21.49M	$21.21M	$15.12M	$14.85M	$11.07M	$13.32M	$11.73M
Depreciation and amortization	$141.77M	$52.77M	$58.72M	$54.02M	$55.75M	$62.80M	$56.26M	$53.12M	$54.88M	$54.56M

Key ratios

Key ratios
Line item	FY2025 Dec 31, 2025	FY2024 Dec 31, 2024	FY2023 Dec 31, 2023	FY2022 Dec 31, 2022	FY2021 Dec 31, 2021	FY2020 Dec 31, 2020	FY2019 Dec 31, 2019	FY2018 Dec 31, 2018	FY2017 Dec 31, 2017	FY2016 Dec 31, 2016
Revenue growth, YoY	62.8%	11.4%	-0.4%	14.4%	-0.7%	17.6%	8.5%	3.0%	9.4%	14.7%
Net income growth, YoY	59.2%	26.1%	-18.9%	22.3%	23.2%	17.6%	24.6%	-20.9%	55.6%	36.8%
EPS growth, YoY	-	25.2%	-19.0%	22.4%	22.1%	19.6%	26.2%	-20.8%	54.0%	32.0%
Net margin	26.5%	27.1%	23.9%	29.4%	27.5%	22.2%	22.2%	19.3%	25.2%	17.7%
Free cash flow margin	36.9%	12.6%	30.7%	48.9%	39.0%	24.3%	24.4%	23.5%	29.5%	27.4%
Return on equity	9.1%	12.7%	11.3%	16.2%	11.2%	9.5%	9.3%	8.8%	11.3%	8.1%
Return on assets	1.0%	0.9%	0.8%	1.1%	0.8%	0.9%	0.9%	0.8%	1.1%	0.8%
Debt to equity	0.06	0.11	0.70	0.14	0.09	0.09	0.03	0.04	0.04	0.04

Income statement

Income statement
Line item	Q3 2026 Sep 30, 2026	Q2 2026 Jun 30, 2026	Q1 2026 Mar 31, 2026	Q4 2025* Dec 31, 2025	Q3 2025 Sep 30, 2025	Q2 2025 Jun 30, 2025	Q1 2025 Mar 31, 2025	Q4 2024* Dec 31, 2024	Q3 2024 Sep 30, 2024	Q2 2024 Jun 30, 2024	Q1 2024 Mar 31, 2024	Q4 2023* Dec 31, 2023
Revenue	$772.39M	$778.03M	$739.16M	$720.87M	$678.34M	$689.21M	$563.84M	$434.19M	$406.12M	$390.03M	$398.68M	$370.78M
Interest expense	-	-	-	-	-	-	-	-	-	$293.17M	$280.63M	$266.08M
Pre-tax income	$341.93M	$350.40M	$331.28M	$270.31M	$236.56M	$275.04M	$93.05M	$144.82M	$135.66M	$126.91M	$133.87M	$80.80M
Income tax	$63.85M	$72.83M	$69.84M	$54.95M	$48.24M	$57.65M	$11.72M	$24.83M	$26.02M	$25.57M	$23.62M	$9.88M
Net income	$278.08M	$277.57M	$261.44M	$215.35M	$188.32M	$217.39M	$81.33M	$120.00M	$109.64M	$101.34M	$110.26M	$70.92M
EPS, basic	$3.58	$3.58	$3.36	$2.91	$2.38	$2.84	$1.22	$2.45	$2.25	$2.08	$2.27	$1.46
EPS, diluted	$3.56	$3.56	$3.35	$2.90	$2.36	$2.82	$1.21	$2.44	$2.23	$2.07	$2.25	$1.45
Diluted shares	76.5M	76.4M	76.4M	-	76.4M	76.2M	65.5M	-	49.1M	49.0M	48.9M	-

Balance sheet

Balance sheet
Line item	Q3 2026 Sep 30, 2026	Q2 2026 Jun 30, 2026	Q1 2026 Mar 31, 2026	Q4 2025* Dec 31, 2025	Q3 2025 Sep 30, 2025	Q2 2025 Jun 30, 2025	Q1 2025 Mar 31, 2025	Q4 2024* Dec 31, 2024	Q3 2024 Sep 30, 2024	Q2 2024 Jun 30, 2024	Q1 2024 Mar 31, 2024	Q4 2023* Dec 31, 2023
Cash and equivalents	$4.60B	$5.61B	$6.26B	$7.77B	$8.84B	$11.00B	$10.61B	$8.45B	$7.28B	$5.02B	$6.94B	$5.53B
Goodwill	$1.84B	$1.84B	$1.84B	$1.84B	$1.84B	$1.81B	$1.80B	$207.38M	$207.38M	$207.38M	$207.38M	$207.38M
Total assets	$72.74B	$72.26B	$72.67B	$73.09B	$71.88B	$71.76B	$69.35B	$50.41B	$47.50B	$44.47B	$45.34B	$44.01B
Short-term debt	-	-	-	-	-	-	-	-	$1.05B	$1.30B	$1.80B	$1.80B
Total debt	$333.11M	$480.13M	$477.16M	$474.23M	$471.33M	$657.32M	$654.38M	$385.29M	$1.43B	$1.68B	$2.18B	$2.18B
Total liabilities	$64.89B	$64.22B	$64.85B	$65.40B	$64.44B	$64.47B	$62.60B	$46.94B	$43.96B	$41.24B	$42.19B	$40.91B
Shareholders' equity	$7.85B	$8.03B	$7.83B	$7.69B	$7.44B	$7.29B	$6.75B	$3.47B	$3.54B	$3.23B	$3.15B	$3.10B

Cash flow

Cash flow
Line item	Q3 2026 Sep 30, 2026	Q2 2026 Jun 30, 2026	Q1 2026 Mar 31, 2026	Q4 2025* Dec 31, 2025	Q3 2025 Sep 30, 2025	Q2 2025 Jun 30, 2025	Q1 2025 Mar 31, 2025	Q4 2024* Dec 31, 2024	Q3 2024 Sep 30, 2024	Q2 2024 Jun 30, 2024	Q1 2024 Mar 31, 2024	Q4 2023* Dec 31, 2023
Operating cash flow	$370.44M	$349.26M	$361.27M	$106.08M	$272.21M	$285.39M	$363.02M	-$66.87M	$123.65M	$112.37M	$56.14M	$84.98M
Capital expenditures	$11.55M	$18.46M	$4.52M	$10.76M	$14.40M	$14.60M	$8.82M	$10.18M	$4.29M	$3.16M	$2.38M	-$28.0K
Free cash flow	$358.89M	$330.80M	$356.76M	$95.32M	$257.81M	$270.78M	$354.20M	-$77.05M	$119.35M	$109.21M	$53.77M	$84.95M
Investing cash flow	-$1.74B	-$276.45M	-$1.35B	-$2.14B	-$2.14B	-$2.00B	$663.20M	-$1.72B	-$588.30M	-$1.11B	$158.39M	-$689.09M
Financing cash flow	$363.02M	-$724.30M	-$522.21M	$966.96M	-$283.74M	$2.10B	$1.14B	$2.96B	$2.73B	-$925.20M	$1.20B	$2.21B
Dividends paid	$43.77M	$38.50M	$39.61M	$40.61M	$32.50M	$32.39M	$30.12M	$19.52M	$19.06M	$19.53M	$19.01M	$18.93M
Share repurchases	$0	$5.09M	$32.81M	$79.0K	$1.82M	$290.0K	$15.43M	$0	$201.0K	$0	$7.54M	$271.0K
Stock-based compensation	$9.25M	$9.35M	$13.42M	$9.31M	$7.72M	$7.88M	$12.83M	$6.99M	$4.85M	$5.77M	$4.97M	$5.99M
Depreciation and amortization	$34.67M	$35.13M	$35.09M	$37.40M	$37.01M	$37.99M	$29.37M	$12.71M	$12.95M	$13.29M	$13.82M	$14.15M

Key ratios

Key ratios
Line item	Q3 2026 Sep 30, 2026	Q2 2026 Jun 30, 2026	Q1 2026 Mar 31, 2026	Q4 2025* Dec 31, 2025	Q3 2025 Sep 30, 2025	Q2 2025 Jun 30, 2025	Q1 2025 Mar 31, 2025	Q4 2024* Dec 31, 2024	Q3 2024 Sep 30, 2024	Q2 2024 Jun 30, 2024	Q1 2024 Mar 31, 2024	Q4 2023* Dec 31, 2023
Revenue growth, YoY	13.9%	12.9%	31.1%	66.0%	67.0%	76.7%	41.4%	17.1%	14.2%	7.2%	7.2%	0.0%
Net income growth, YoY	47.7%	27.7%	221.4%	79.5%	71.8%	114.5%	-26.2%	69.2%	13.6%	12.5%	19.3%	-29.2%
EPS growth, YoY	50.8%	26.2%	176.9%	-	-	-	-46.2%	68.3%	12.6%	11.9%	18.4%	-29.3%
Net margin	36.0%	35.7%	35.4%	29.9%	27.8%	31.5%	14.4%	27.6%	27.0%	26.0%	27.7%	19.1%
Free cash flow margin	46.5%	42.5%	48.3%	13.2%	38.0%	39.3%	62.8%	-17.7%	29.4%	28.0%	13.5%	22.9%
Debt to equity	0.04	0.06	0.06	0.06	0.06	0.09	0.10	0.11	0.41	0.52	0.69	0.70

Source: XBRL data UMB Financial Corporation files with the SEC, latest filing dated Oct 29, 2026 (see filings on SEC EDGAR). Provided for information only, not investment advice. Check the filing before relying on a number.

* Worked out from the filings rather than stated in them: Q4 is the full year less the first nine months.

Per-share figures are as filed. The filings show no stock split in these periods.

EPS growth is left out where the share count moved enough to suggest a split the filings do not show. Growth rates need a positive starting figure. CAGR is compound annual growth between fiscal years. The CSV holds every period on file, in full figures, from the same SEC filings.

UMBF peers

Company	Revenue	Growth	Net income	Net margin	Market cap
UMBF	$3.01B	+27.3%	$1.03B	34.3%	$10.38B
JPMJP Morgan Chase & Co.	$203.15B	+13.2%	$65.98B	32.5%	$908.43B
BACBank of America Corporation	$120.16B	+5.4%	$32.24B	26.8%	$348.81B
WFCWells Fargo & Company	$87.23B	+5.4%	$22.97B	26.3%	$256.63B
CCitigroup Inc.	$85.22B	+5.6%	$14.31B	16.8%	$201.89B
UBSUBS Group AG Registered	$49.57B	+2.0%	$7.80B	15.7%	$151.93B
MFGMizuho Financial Group Inc. Sponosred ADR (Japan)	¥8.79T	+7.6%	¥1.16T	13.2%	$122.19B
COFCapital One Financial Corporation	$63.01B	+31.2%	$10.87B	17.2%	$119.45B
BNSBank Nova Scotia Halifax Pfd 3	C$37.74B	+12.1%	C$7.79B	20.6%	$114.51B

UMBF FAQ

8 questions

What is UMBF revenue?
UMB Financial Corporation (UMBF) reported $3.01B of revenue for the twelve months ended Sep 30, 2026. That is up 27.3% from the year before. Revenue for fiscal 2025 was $2.65B.
Is UMBF profitable?
Yes. UMB Financial Corporation earned $1.03B in net income for the twelve months ended Sep 30, 2026, a net margin of 34.3%.
How much cash and debt does UMBF have?
UMB Financial Corporation reported $4.60B in cash and cash equivalents and $333.11M of debt on its most recent balance sheet in SEC filings.
How fast is UMBF revenue growing?
UMB Financial Corporation's revenue changed +62.8% in fiscal 2025, to $2.65B. Its compound annual growth rate was +15.5% over 5 years and +13.0% over 10 years.
What is UMBF free cash flow?
UMB Financial Corporation generated $1.14B of free cash flow for the twelve months ended Sep 30, 2026, which is operating cash flow of $1.19B less capital expenditures.
What is UMBF earnings per share?
Diluted earnings per share were $13.37 for the twelve months ended Sep 30, 2026, from SEC filings, restated for any stock split those filings show.
When did UMBF last report financial results?
The latest statements here come from UMB Financial Corporation's 10-Q filed on Oct 29, 2026, covering the period ended Sep 30, 2026.
Where does this UMBF financial data come from?
Quantisnow builds these statements from the structured XBRL data UMB Financial Corporation files with the SEC. It is provided for information only and is not investment advice.