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+181.0%
5Y+243.0%
10Y+411.0%
3Y+63.0%
5Y+145.0%
10Y+342.0%
3Y+33.0%
5Y+175.0%
10Y+246.0%
UMB Financial Corporation

UMB Financial Corporation Profit Bridge

UMBF ยท NASDAQ
Revenue4.44B
Cost of Goods Sold (2.03B)
Gross Profit2.42B
Operating Expenses (1.52B)
Operating Income899.96M
Interest Expense (1.49B)
Other Income/Expense-25.00M
Pretax Income874.96M
Income Tax (172.56M)
Net Income702.40M
Net Income
702.40M

Profitability Analysis

Gross Margin

54.4%

Exceptional pricing power and cost management. The company retains over half of revenue after direct costs.

Operating Margin

20.3%

Healthy operating margins demonstrate effective cost control and strong business fundamentals.

Net Profit Margin

15.8%

Strong net margins indicate efficient operations and favorable tax/interest management.

Effective Tax Rate

19.7%

Moderate tax rate typical for most corporations. Represents standard tax burden on profits.

Profitability Insight

Exceptional profitability across all levels: Strong pricing power, efficient operations, and healthy bottom line indicate a high-quality business with sustainable competitive advantages.

UMB Financial Corporation Income Statement

UMBF โ€ข NASDAQ

UMB Financial Corporation Income StatementDec 2025Dec 2024Dec 2023Dec 2022Dec 2021Dec 2020Dec 2019Dec 2018Dec 2017Dec 2016Dec 2015Dec 2014Dec 2013Dec 2012Dec 2011Dec 2010Dec 2009Dec 2008Dec 2007Dec 2006
REVENUE
4.4B
2.6B
2.2B
1.6B
1.2B
1.3B
1.2B
1.1B
978.7M
868.8M
744.9M
786.9M
807.6M
728.5M
692.4M
644.7M
666.4M
700.8M
703.2M
624M
GROSS PROFIT
(2B)
(1.2B)
(959.8M)
(261.6M)
(66M)
(207.8M)
(224.8M)
(192.3M)
(99M)
(60.2M)
(34.1M)
(30.8M)
(32.6M)
(37.1M)
(48.9M)
(67.4M)
(85.3M)
(130.8M)
(191.1M)
(160.6M)
2.4B
1.4B
1.3B
1.3B
1.2B
1.1B
994.9M
876.9M
879.7M
808.6M
710.8M
756.1M
731.4M
691.3M
643.5M
577.3M
581.1M
570M
512.1M
463.4M
OPERATING INCOME
(1.5B)
(864.5M)
(863.1M)
(789.5M)
(746.9M)
(748.8M)
(708.9M)
(653.3M)
(643.3M)
(610M)
(582.5M)
(590M)
(547M)
(521.1M)
(497.2M)
(450.4M)
(460.6M)
(430.2M)
(407.2M)
(381.4M)
(1.1B)
(622.4M)
(579.2M)
(550.1M)
(523M)
(536M)
(517.9M)
(472.3M)
(468M)
(444M)
(419.7M)
(413.6M)
(391.9M)
(374.9M)
(347.5M)
(317.9M)
(276.5M)
(271.6M)
(245.8M)
(208.8M)
900M
541.3M
421.6M
532M
429.1M
338.9M
286M
223.6M
236.3M
198.6M
128.3M
258.4M
259.8M
170.2M
146.4M
126.9M
120.5M
139.8M
105M
81.2M
PRE-TAX INCOME
(1.5B)
(1.2B)
(918.6M)
(223.7M)
(46M)
(77.3M)
(192M)
(121.5M)
(58M)
(27.7M)
(18.6M)
(13.8M)
(15.1M)
(19.6M)
(26.7M)
(35.9M)
(53.2M)
(112.9M)
(181.7M)
(151.9M)
2.6B
1B
920.1M
913.8M
815.5M
731.2M
670.9M
610.4M
558.9M
495.3M
412.1M
350.1M
333.3M
320.1M
317M
310.6M
303M
275.1M
232.7M
217.2M
(373.5M)
(242.2M)
(283.9M)
(239.4M)
(224M)
(212.9M)
(191M)
(181M)
(175.3M)
(166M)
(162.8M)
(176.5M)
(155.1M)
(146.2M)
(149.7M)
(132.6M)
(184.1M)
(158.6M)
(161.4M)
(172.6M)
-25M
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
-92.3M
-75.4M
0.0
0.0
0.0
0.0
0.0
0.0
793K
875M
541.3M
421.6M
532M
429.1M
338.9M
286M
223.6M
236.3M
198.6M
128.3M
166.1M
183.4M
170.2M
146.4M
126.9M
120.5M
139.8M
105M
82M
NET INCOME
(172.6M)
(100M)
(71.6M)
(100.3M)
(76M)
(52.4M)
(42.4M)
(27.3M)
(53.4M)
(45M)
(31.7M)
(45.4M)
(50.4M)
(47.5M)
(39.9M)
(35.8M)
(31M)
(41.8M)
(30.8M)
(22.3M)
702.4M
441.2M
350M
431.7M
353M
286.5M
243.6M
195.5M
247.1M
158.8M
116.1M
120.7M
134M
122.7M
106.5M
91M
89.5M
98.1M
74.2M
59.8M

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