UMBF · CIK 0000101382

UMB FINANCIAL CORP

Annual figures as reported, FY2014–FY2025. Ratios and growth rates derived on-page.

Net income

$702.4M

▲ +59.2% vs FY2024

Free cash flow

$978.1M

▲ +376.5% vs FY2024

Diluted EPS

$9.29

▲ +3.3% vs FY2024

Net income

Annual, as reported

Recent quarters

momentum · last 12 quarters

Net income — Mar ’26 quarter

$261.4M

▲ +221.4% vs Mar ’25

Diluted EPS — trailing 12 months

$11.43

▲ +43.8% vs Mar ’25

Quarterly net income

Discrete quarters; Q4 derived from the annual figure

Quarter	Revenue	Rev. YoY	Gross margin	Net income	Net margin	Diluted EPS
Mar ’26	—	—	—	$261.4M	—	$3.35
Dec ’25	—	—	—	$215.4M	—	$2.90
Sep ’25	—	—	—	$188.3M	—	$2.36
Jun ’25	—	—	—	$217.4M	—	$2.82
Mar ’25	—	—	—	$81.3M	—	$1.21
Dec ’24	—	—	—	$120.0M	—	$2.44
Sep ’24	—	—	—	$109.6M	—	$2.23
Jun ’24	—	—	—	$101.3M	—	$2.07

Profitability & returns

quality of earnings

Returns on capital

Net income vs year-end equity and assets

Return on equityReturn on assets

Cash flow

cash generation

Free cash flow

Operating cash flow less capital expenditure

Operating cash flow

Net cash from operations

Shareholder returns

capital allocation

Capital returned

Cash paid out as dividends and share repurchases

Dividends paidBuybacks

Diluted shares outstanding

Falling count means buybacks outpace dilution

Balance sheet

financial position

Stockholders’ equity

At fiscal year end

Net debt

Long-term debt less cash — negative means net cash

Growth rates

compounding, annualized

Net income CAGR

+17.6%

+19.6%

+19.7%

10y

Diluted EPS CAGR

+1.6%

+9.4%

+14.3%

10y

Free cash flow CAGR

+10.9%

+25.6%

+20.0%

10y

Share count change (split-adjusted)

+52.4%

+54.8%

10y

Key ratios

derived per fiscal year

Fiscal year	ROE	ROA	Debt / equity	DPS
FY2025	9.1%	1.0%	0.06×	$1.63
FY2024	12.7%	0.9%	0.11×	$1.57
FY2023	11.3%	0.8%	0.12×	$1.53
FY2022	16.2%	1.1%	0.14×	$1.49
FY2021	11.2%	0.8%	0.09×	$1.38
FY2020	9.5%	0.9%	0.09×	$1.25
FY2019	9.3%	0.9%	0.03×	$1.21
FY2018	8.8%	0.8%	0.04×	$1.17
FY2017	11.3%	1.1%	0.04×	$1.04
FY2016	8.1%	0.8%	0.04×	$0.99
FY2015	6.1%	0.6%	0.05×	$0.95
FY2014	7.3%	0.7%	0.01×	$0.91

Annual figures

as reported

Fiscal year	Revenue	Gross profit	Op. income	Net income	Diluted EPS	Op. cash flow	Capex	Total assets	Liabilities	Equity	Cash	LT debt
FY2025	—	—	—	$702.4M	$9.29	$1.0B	$48.6M	$73.1B	$65.4B	$7.7B	$7.8B	$474.2M
FY2024	—	—	—	$441.2M	$8.99	$225.3M	$20.0M	$50.4B	$46.9B	$3.5B	$8.4B	$385.3M
FY2023	—	—	—	$350.0M	$7.18	$472.6M	$23.1M	$44.0B	$40.9B	$3.1B	$5.5B	$383.2M
FY2022	—	—	—	$431.7M	$8.86	$769.6M	$51.7M	$38.5B	$35.8B	$2.7B	$1.6B	$381.3M
FY2021	—	—	—	$353.0M	$7.24	$534.1M	$33.7M	$42.7B	$39.5B	$3.1B	$9.2B	$271.5M
FY2020	—	—	—	$286.5M	$5.93	$373.6M	$60.2M	$33.1B	$30.1B	$3.0B	$3.5B	$269.6M
FY2019	—	—	—	$243.6M	$4.96	$339.9M	$72.3M	$26.6B	$24.0B	$2.6B	$1.7B	$70.4M
FY2018	—	—	—	$195.5M	$3.93	$295.7M	$57.9M	$23.4B	$21.1B	$2.2B	$1.7B	$82.7M
FY2017	—	—	—	$247.1M	$4.96	$326.5M	$36.4M	$21.8B	$19.6B	$2.2B	$1.7B	$79.3M
FY2016	—	—	—	$158.8M	$3.22	$296.4M	$50.8M	$20.7B	$18.7B	$2.0B	$1.1B	$76.8M
FY2015	—	—	—	$116.1M	$2.44	$211.9M	$53.8M	$19.1B	$17.2B	$1.9B	$819.1M	$86.1M
FY2014	—	—	—	$120.7M	$2.65	$245.7M	$44.8M	$17.5B	$15.9B	$1.6B	$1.8B	$8.8M

Latest filings

the most recent regulatory filings

144Notice of proposed insider sale2026-06-30 ↗144Notice of proposed insider sale2026-06-30 ↗144Notice of proposed insider sale2026-06-30 ↗144Notice of proposed insider sale2026-06-26 ↗11-KEmployee stock plan report2026-06-24 ↗144Notice of proposed insider sale2026-06-16 ↗144Notice of proposed insider sale2026-06-10 ↗4PRIMARY DOCUMENT2026-06-10 ↗4PRIMARY DOCUMENT2026-06-10 ↗4PRIMARY DOCUMENT2026-06-10 ↗

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Quarter

Revenue

Rev. YoY

Gross margin

Net income

Net margin

Diluted EPS

Mar ’26

—

$261.4M

—

$3.35

Dec ’25

—

$215.4M

—

$2.90

Sep ’25

—

$188.3M

—

$2.36

Jun ’25

—

$217.4M

—

$2.82

Mar ’25

—

$81.3M

—

$1.21

Dec ’24

—

$120.0M

—

$2.44

Sep ’24

—

$109.6M

—

$2.23

Jun ’24

—

$101.3M

—

$2.07

Fiscal year

ROE

ROA

Debt / equity

DPS

FY2025

9.1%

1.0%

0.06×

$1.63

FY2024

12.7%

0.9%

0.11×

$1.57

FY2023

11.3%

0.8%

0.12×

$1.53

FY2022

16.2%

1.1%

0.14×

$1.49

FY2021

11.2%

0.8%

0.09×

$1.38

FY2020

9.5%

0.9%

0.09×

$1.25

FY2019

9.3%

0.9%

0.03×

$1.21

FY2018

8.8%

0.8%

0.04×

$1.17

FY2017

11.3%

1.1%

0.04×

$1.04

FY2016

8.1%

0.8%

0.04×

$0.99

FY2015

6.1%

0.6%

0.05×

$0.95

FY2014

7.3%

0.7%

0.01×

$0.91

Fiscal year

Revenue

Gross profit

Op. income

Net income

Diluted EPS

Op. cash flow

Capex

Total assets

Liabilities

Equity

Cash

LT debt

FY2025

—

$702.4M

$9.29

$1.0B

$48.6M

$73.1B

$65.4B

$7.7B

$7.8B

$474.2M

FY2024

—

$441.2M

$8.99

$225.3M

$20.0M

$50.4B

$46.9B

$3.5B

$8.4B

$385.3M

FY2023

—

$350.0M

$7.18

$472.6M

$23.1M

$44.0B

$40.9B

$3.1B

$5.5B

$383.2M

FY2022

—

$431.7M

$8.86

$769.6M

$51.7M

$38.5B

$35.8B

$2.7B

$1.6B

$381.3M

FY2021

—

$353.0M

$7.24

$534.1M

$33.7M

$42.7B

$39.5B

$3.1B

$9.2B

$271.5M

FY2020

—

$286.5M

$5.93

$373.6M

$60.2M

$33.1B

$30.1B

$3.0B

$3.5B

$269.6M

FY2019

—

$243.6M

$4.96

$339.9M

$72.3M

$26.6B

$24.0B

$2.6B

$1.7B

$70.4M

FY2018

—

$195.5M

$3.93

$295.7M

$57.9M

$23.4B

$21.1B

$2.2B

$1.7B

$82.7M

FY2017

—

$247.1M

$4.96

$326.5M

$36.4M

$21.8B

$19.6B

$2.2B

$1.7B

$79.3M

FY2016

—

$158.8M

$3.22

$296.4M

$50.8M

$20.7B

$18.7B

$2.0B

$1.1B

$76.8M

FY2015

—

$116.1M

$2.44

$211.9M

$53.8M

$19.1B

$17.2B

$1.9B

$819.1M

$86.1M

FY2014

—

$120.7M

$2.65

$245.7M

$44.8M

$17.5B

$15.9B

$1.6B

$1.8B

$8.8M