UMB Financial Corporation

UMB Financial Corporation

UMBFยทNASDAQ

$126.35

-1.7%
Financial ServicesBanks - Regional

UMB Financial Corporation operates as the bank holding company for the UMB Bank that provides various banking and other financial services. The Commercial Banking segment provides commercial loans and credit card; commercial real estate financing; letters of credit; loan syndication, and consultative service; various business solutions including asset-based lending, accounts receivable financing, mezzanine debt, and minority equity investment; and treasury management service, such as depository service, account reconciliation, cash management tool, accounts payable and receivable solution, electronic fund transfer and automated payment, controlled disbursement, lockbox service, and remote deposit capture service. The Institutional Banking segment offers asset management and healthcare service provided to institutional client; and fund administration and accounting, investor service and transfer agency, marketing and distribution, custody, alternative investment service, fixed income sale, trading and underwriting, and corporate trust and escrow service, as well as institutional custody service. This segment also provides healthcare payment solution includes custodial service for health saving accounts and private label, multipurpose debit cards to insurance carriers, third-party administrator, software companies, employers, and financial institutions. The Personal Banking segment offers deposit account, retail credit card, private banking, installment loan, home equity line of credit, residential mortgage, and small business loan, as well as internet banking, ATM network, private banking, brokerage and insurance service, and advisory and trust service. It operates through a network of branches and offices in the states of Missouri, Kansas, Colorado, Illinois, Oklahoma, Texas, Arizona, Nebraska, Iowa, Pennsylvania, South Dakota, Indiana, Utah, Minnesota, California, and Wisconsin. The company was founded in 1913 and is headquartered in Kansas City, Missouri.

At a Glance

Live Snapshot
Market Cap$9.60B
EPS9.2000
P/E Ratio13.73
Earnings Date08/04/2026
3Y+90.0%
5Y+121.0%
10Y+253.0%
3Y+82.0%
5Y+117.0%
10Y+249.0%
3Y+188.0%
5Y+155.0%
10Y+292.0%
umbf

UMB Financial Corporation Funding & Solvency Profile

UMBF ยท NASDAQ
Cash & Cash Equivalents952.55M
Net Receivables0.00
Inventory0.00
Other Current Assets0.00
Total Current Assets953 M
Property, Plant & Equipment398.27M
Goodwill & Intangible Assets2.33B
Long-Term Investments0.00
Other Non-Current Assets0.00
Total Non-Current Assets398 M
Total Assets
73.09B

Financial Health Analysis

Current Ratio

0.01x

Warning: Liquidity concerns. Current assets may not be sufficient to cover short-term obligations.

Debt-to-Equity Ratio

8.50x

High financial leverage. Heavy reliance on debt may indicate increased financial risk and potential solvency concerns.

Working Capital

-63973746000

Negative working capital indicates short-term liabilities exceed short-term assetsโ€”potential liquidity stress.

Asset Composition

1% Current

Capital-intensive business with significant long-term investments in property, equipment, or intangibles.

Financial Health Insight

Financial stress indicators: Both liquidity and leverage metrics raise concerns. The company may face challenges meeting obligations and should focus on strengthening its balance sheet.

UMB Financial Corporation Balance Sheet

UMBF โ€ข NASDAQ

UMB Financial Corporation Balance SheetDec 2025Dec 2024Dec 2023Dec 2022Dec 2021Dec 2020Dec 2019Dec 2018Dec 2017Dec 2016Dec 2015Dec 2014Dec 2013Dec 2012Dec 2011Dec 2010Dec 2009Dec 2008Dec 2007Dec 2006
ASSETS
CURRENT ASSETS
952.5M
8.6B
5.6B
1.7B
9.3B
3.5B
1.7B
1.7B
1.7B
1.1B
981.1M
2B
2.6B
1.4B
1.6B
1.2B
1.5B
998.9M
806.6M
531.2M
0.0
7.8B
7.1B
7B
12B
9.3B
7.4B
6.5B
6.3B
6.5B
6.8B
6.9B
6.8B
6.9B
6.1B
0.0
0.0
0.0
0.0
0.0
952.5M
16.3B
12.7B
8.7B
21.2B
12.8B
9.1B
8.2B
8B
7.6B
7.8B
8.9B
9.4B
8.3B
7.7B
1.2B
1.5B
998.9M
806.6M
531.2M
0.0
425.4M
519.7M
492.8M
411.2M
328.5M
126.5M
115.4M
122.8M
138.6M
132M
118.4M
102.2M
88.8M
79.8M
76.7M
64.9M
0.0
0.0
0.0
0.0
425.4M
519.7M
492.8M
411.2M
328.5M
126.5M
115.4M
122.8M
138.6M
132M
118.4M
102.2M
88.8M
79.8M
76.7M
64.9M
0.0
0.0
0.0
952.5M
16.8B
13.2B
9.2B
21.6B
13.2B
9.3B
8.4B
8.1B
7.7B
7.9B
9B
9.4B
8.4B
7.8B
1.3B
1.6B
998.9M
806.6M
531.2M
NON-CURRENT ASSETS
398.3M
204.6M
211.3M
218M
218.2M
228.9M
234.6M
228.1M
223.1M
233.1M
232.7M
219.8M
222.4M
225.7M
211.1M
219.7M
217.6M
226.8M
235.5M
243.2M
1.8B
207.4M
207.4M
207.4M
174.5M
180.9M
180.9M
180.9M
180.9M
180.9M
228.3M
209.8M
209.8M
209.8M
211.1M
211.1M
131.4M
104.9M
94.5M
93.7M
486.9M
80.8M
101.4M
124.4M
67.2M
85.2M
93.3M
70.8M
73.1M
82.5M
95.6M
82.1M
82.9M
87.8M
101.2M
92.3M
47.5M
18.1M
16.5M
19.3M
2.3B
288.2M
308.8M
331.8M
241.7M
266.1M
274.2M
251.7M
253.9M
263.4M
323.9M
291.8M
292.7M
297.5M
312.3M
303.4M
178.8M
123M
111M
113M
0.0
31B
28.8B
26.7B
18.5B
17B
14.5B
13.3B
12.5B
11.7B
10B
7.7B
6.6B
5.7B
5B
10.2B
9.2B
9.2B
7.3B
7B
0.0
2.1B
1.5B
2.1B
2.1B
2.5B
2.3B
1.2B
684.3M
789.1M
577M
277.7M
284.8M
274.6M
235.8M
399.7M
453.1M
384.2M
882.9M
1B
2.7B
33.7B
30.8B
29.3B
21.1B
20B
17.3B
15B
13.6B
12.9B
11.2B
8.5B
7.4B
6.5B
5.7B
11.1B
10.1B
10B
8.5B
8.4B
69.4B
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
73.1B
50.4B
44B
38.5B
42.7B
33.1B
26.6B
23.4B
21.8B
20.7B
19.1B
17.5B
16.9B
14.9B
13.5B
12.4B
11.7B
11B
9.3B
8.9B
LIABILITIES
CURRENT LIABILITIES
0.0
368.5M
389.9M
239.6M
249.5M
319.7M
232.2M
177.7M
191.5M
173M
161.2M
180.1M
153.5M
182.5M
186.4M
145.5M
107.9M
81.4M
0.0
0.0
3.3B
2.6B
3.1B
2.2B
3.2B
2.3B
1.9B
1.5B
1.3B
1.9B
1.8B
2B
1.6B
1.8B
2B
2.1B
2B
2.1B
1.8B
1.6B
61.6B
43.1B
35.8B
32.6B
35.6B
27.1B
21.6B
19.3B
18B
16.6B
15.1B
13.6B
13.6B
11.7B
10.2B
9B
8.5B
7.7B
6.6B
6.3B
64.9B
46.1B
39.3B
35.1B
39.1B
29.7B
23.7B
21B
19.5B
18.6B
17.1B
15.8B
15.4B
13.6B
12.3B
11.3B
10.6B
9.9B
8.3B
7.9B
NON-CURRENT LIABILITIES
474.2M
385.3M
383.2M
381.3M
271.5M
269.6M
70.4M
82.7M
79.3M
76.8M
86.1M
8.8M
5.1M
5.9M
6.5M
8.9M
25.5M
35.9M
36M
38M
0.0
437.6M
1.2B
363.1M
188.7M
154.5M
152.6M
62.1M
35.6M
42.9M
37.4M
26.3M
23.2M
18.9M
24.6M
41.4M
22.8M
15.9M
97M
83.1M
474.2M
822.9M
1.6B
744.4M
460.2M
424.1M
223M
144.7M
114.9M
119.6M
123.5M
35.1M
28.2M
24.7M
31.1M
50.3M
48.3M
51.9M
133.1M
121.1M
65.4B
46.9B
40.9B
35.8B
39.5B
30.1B
24B
21.1B
19.6B
18.7B
17.2B
15.9B
15.4B
13.6B
12.4B
11.3B
10.6B
10B
8.5B
8.1B
SHAREHOLDERS' EQUITY
-165.1M
-336.1M
-342.9M
-347.3M
-323.5M
-338.1M
-278M
-273.8M
-212.2M
-211.4M
-211.5M
-280.8M
-283.4M
-380.4M
-366.2M
-361.4M
-355.5M
-331.2M
-310.5M
-269.2M
294.1M
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
78.7M
55.1M
55.1M
55.1M
55.1M
55.1M
55.1M
55.1M
55.1M
55.1M
55.1M
55.1M
55.1M
55.1M
55.1M
55.1M
55.1M
55.1M
55.1M
55.1M
4B
1.1B
1.1B
1.1B
1.1B
1.1B
1.1B
1.1B
1B
1B
1B
894.6M
882.4M
732.1M
723.3M
718.3M
712.8M
707.8M
702.9M
699.8M
3.7B
3.2B
2.8B
2.5B
2.2B
1.9B
1.7B
1.5B
1.3B
1.1B
1B
963.9M
884.6M
787M
697.9M
623.4M
562.7M
502.1M
430.8M
380.5M
-261.5M
-573.1M
-556.9M
-702.7M
126.3M
318.3M
83.2M
-95.8M
-45.5M
-57.5M
-3.7M
11M
-32.6M
85.6M
81.1M
25.5M
40.5M
41.1M
12.2M
-17.3M
7.7B
3.5B
3.1B
2.7B
3.1B
3B
2.6B
2.2B
2.2B
2B
1.9B
1.6B
1.5B
1.3B
1.2B
1.1B
1B
974.8M
890.6M
848.9M
7.7B
3.5B
3.1B
2.7B
3.1B
3B
2.6B
2.2B
2.2B
2B
1.9B
1.6B
1.5B
1.3B
1.2B
1.1B
1B
974.8M
890.6M
848.9M
SUMMARY
73.1B
50.4B
44B
38.5B
42.7B
33.1B
26.6B
23.4B
21.8B
20.7B
19.1B
17.5B
16.9B
14.9B
13.5B
12.4B
11.7B
11B
9.3B
8.9B
0.0
38.8B
35.8B
33.7B
30.4B
26.3B
22B
19.9B
18.7B
18.1B
16.8B
14.6B
13.4B
12.7B
11.1B
10.2B
9.2B
9.2B
7.3B
7B
3.8B
3B
3.5B
2.6B
3.5B
2.6B
2B
1.6B
1.3B
1.9B
1.9B
2B
1.6B
1.8B
2B
2.1B
2B
2.2B
1.8B
1.7B
2.8B
-5.6B
-2.1B
923.7M
-5.7B
-955.6M
268.4M
-91.4M
-404.5M
795.8M
928M
50.3M
-1B
404.9M
358.8M
923.8M
467.3M
1.2B
997.9M
1.1B
75,954,107
75,954,107
75,954,107
75,954,107
75,954,107
75,954,107
75,954,107
75,954,107
75,954,107
75,954,107
75,954,107
75,954,107
75,954,107
75,954,107
75,954,107
75,954,107
75,954,107
75,954,107
75,954,107
75,954,107

SEC Filings

UMBF - Filing history and reports

Filing TypeFiling DatePeriod EndingFiscal YearActions
8-K

8-K 2026

N/A

April 30, 2026
April 28, 2026
2026
10-Q

10-Q 2026 Q1

Q1

April 30, 2026
March 31, 2026
2026
8-K

8-K 2026

N/A

April 28, 2026
April 28, 2026
2026
DEF 14A

DEF 14A 2026

N/A

March 12, 2026
April 28, 2026
2026
10-K

10-K 2025 FY

FY

February 26, 2026
December 31, 2025
2025
8-K

8-K 2026

N/A

February 10, 2026
February 09, 2026
2026
8-K

8-K 2026

N/A

January 27, 2026
January 27, 2026
2026
10-Q

10-Q 2025 Q3

Q3

October 30, 2025
September 30, 2025
2025
8-K

8-K 2025

N/A

October 28, 2025
October 28, 2025
2025
8-K

8-K 2025

N/A

August 27, 2025
August 27, 2025
2025
Showing 1 to 10 of 471 filings