UMB Financial (UMBF) Financials

$90.46 +1.72 (+1.94%)

Closing price 04/15/2025 04:00 PM Eastern

Extended Trading

$90.46 +0.01 (+0.01%)

As of 04/15/2025 05:52 PM Eastern

Annual Income Statements for UMB Financial

This table shows UMB Financial's income and expenses over time, based on annual financial data. All values are USD millions unless otherwise specified.

Metric	2015	2016	2017	2018	2019	2020	2021	2022	2023	2024
Net Income / (Loss) Attributable to Common Shareholders	116	159	247	196	244	287	353	432	350	441
Consolidated Net Income / (Loss)	116	159	247	196	244	287	353	432	350	441
Net Income / (Loss) Continuing Operations	97	154	183	196	244	287	353	432	350	441
Total Pre-Tax Income	128	199	236	224	286	339	429	532	422	541
Total Revenue	783	898	982	1,012	1,098	1,291	1,283	1,468	1,462	1,629
Net Interest Income / (Expense)	412	495	559	610	671	731	816	914	920	1,001
Total Interest Income	431	523	617	732	863	808	862	1,138	1,839	2,171
Loans and Leases Interest Income	308	386	461	559	638	586	619	810	1,400	1,613
Investment Securities Interest Income	119	131	147	158	196	206	226	289	317	357
Deposits and Money Market Investments Interest Income	2.36	2.34	3.87	7.91	13	3.74	5.42	19	103	182
Federal Funds Sold and Securities Borrowed Interest Income	0.70	2.71	3.70	4.81	14	12	10	19	18	18
Trading Account Interest Income	0.38	0.63	1.50	2.15	2.21	1.43	0.85	0.51	0.73	1.35
Total Interest Expense	19	28	58	122	192	77	46	224	919	1,170
Deposits Interest Expense	14	18	36	92	154	58	26	168	704	982
Federal Funds Purchased and Securities Sold Interest Expense	1.79	6.52	18	25	33	12	6.93	41	93	107
Other Interest Expense	2.56	3.25	3.74	4.68	5.24	7.26	13	15	121	81
Total Non-Interest Income	371	403	424	402	427	560	467	554	542	628
Trust Fees by Commissions	178	-	-	172	177	195	224	237	257	291
Service Charges on Deposit Accounts	-	-	-	84	83	84	86	85	85	85
Other Service Charges	174	29	34	126	141	128	121	150	183	218
Net Realized & Unrealized Capital Gains on Investments	-1.79	8.51	4.19	3.52	2.25	121	5.06	58	-3.14	11
Investment Banking Income	20	21	23	16	23	33	31	23	20	24
Provision for Credit Losses	16	33	41	71	33	131	20	38	41	61
Total Non-Interest Expense	639	667	705	718	779	822	834	898	999	1,027
Salaries and Employee Benefits	368	390	414	419	461	495	504	524	553	594
Net Occupancy & Equipment Expense	106	111	116	120	127	133	126	123	117	111
Marketing Expense	22	21	21	24	26	15	19	26	26	28
Property & Liability Insurance Claims	26	21	23	30	32	30	32	39	30	46
Other Operating Expenses	109	115	123	118	127	142	148	181	264	239
Amortization Expense	8.17	8.70	7.33	5.76	5.51	6.52	4.76	5.04	8.59	7.71
Income Tax Expense	32	45	53	27	42	52	76	100	72	100
Basic Earnings per Share	$2.46	$3.25	$5.02	$3.97	$4.99	$5.95	$7.31	$8.93	$7.22	$9.05
Weighted Average Basic Shares Outstanding	47.13M	48.83M	49.22M	49.33M	48.78M	48.14M	48.27M	48.34M	48.50M	48.75M
Diluted Earnings per Share	$2.44	$3.22	$4.96	$3.93	$4.96	$5.93	$7.24	$8.86	$7.18	$8.99
Weighted Average Diluted Shares Outstanding	47.58M	49.28M	49.84M	49.77M	49.09M	48.34M	48.74M	48.75M	48.76M	49.06M
Weighted Average Basic & Diluted Shares Outstanding	47.20M	48.90M	49.20M	49.05M	49.09M	48.18M	48.46M	48.50M	48.74M	72.59M
Cash Dividends to Common per Share	$0.95	$0.99	$1.04	$1.17	$1.21	$1.25	$1.38	$1.49	$1.53	$1.57

This table shows UMB Financial's income and expenses over time, based on quarterly financial data. All values are USD millions unless otherwise specified.

Metric	Q3 2022	Q4 2022	Q1 2023	Q2 2023	Q3 2023	Q4 2023	Q1 2024	Q2 2024	Q3 2024	Q4 2024
Net Income / (Loss) Attributable to Common Shareholders	88	100	92	90	97	71	110	101	110	120
Consolidated Net Income / (Loss)	88	100	92	90	97	71	110	101	110	120
Net Income / (Loss) Continuing Operations	88	100	92	90	97	71	110	101	110	120
Total Pre-Tax Income	109	124	112	110	119	81	134	127	136	145
Total Revenue	362	371	372	364	356	371	399	390	406	434
Net Interest Income / (Expense)	233	245	242	226	222	231	239	245	247	269
Total Interest Income	300	367	409	461	472	497	520	538	558	555
Loans and Leases Interest Income	217	274	308	343	367	381	386	400	416	411
Investment Securities Interest Income	75	77	78	80	79	80	86	87	88	96
Deposits and Money Market Investments Interest Income	2.55	9.37	16	34	21	32	45	47	48	42
Federal Funds Sold and Securities Borrowed Interest Income	6.06	7.11	5.65	3.89	4.57	3.54	3.06	3.67	4.99	5.90
Trading Account Interest Income	0.07	0.14	0.13	0.15	0.21	0.23	0.31	0.42	0.29	0.33
Total Interest Expense	67	122	167	236	250	266	281	293	310	286
Deposits Interest Expense	48	97	128	171	192	214	224	241	263	255
Federal Funds Purchased and Securities Sold Interest Expense	15	19	23	25	23	22	28	28	27	24
Other Interest Expense	3.69	5.31	16	40	35	30	29	25	21	6.95
Total Non-Interest Income	129	125	130	138	133	140	159	145	159	165
Trust Fees by Commissions	60	59	62	62	67	67	69	70	74	77
Service Charges on Deposit Accounts	20	20	21	21	21	21	21	22	20	21
Other Service Charges	45	42	47	49	42	46	54	49	55	60
Net Realized & Unrealized Capital Gains on Investments	-1.35	-0.41	-5.32	0.90	0.27	1.01	9.37	-1.87	2.62	0.59
Investment Banking Income	5.39	5.25	5.31	4.80	3.77	5.75	5.46	5.46	7.12	6.19
Provision for Credit Losses	22	9.00	23	13	4.98	-	10	14	18	19
Total Non-Interest Expense	231	238	237	241	231	290	255	249	252	270
Salaries and Employee Benefits	136	136	142	143	133	134	143	143	147	161
Net Occupancy & Equipment Expense	31	31	30	29	29	29	29	27	28	27
Marketing Expense	6.67	8.79	5.34	7.12	6.63	6.66	6.03	6.60	6.82	9.00
Property & Liability Insurance Claims	10	11	7.29	7.06	7.23	8.42	7.89	17	9.52	12
Other Operating Expenses	46	49	50	52	53	110	67	54	59	60
Amortization Expense	1.09	1.65	2.30	2.12	2.12	2.05	1.96	1.91	1.92	1.92
Income Tax Expense	21	24	19	20	23	9.88	24	26	26	25
Basic Earnings per Share	$1.82	$2.07	$1.91	$1.86	$1.99	$1.46	$2.27	$2.08	$2.25	$2.45
Weighted Average Basic Shares Outstanding	48.30M	48.34M	48.44M	48.51M	48.53M	48.50M	48.66M	48.74M	48.78M	48.75M
Diluted Earnings per Share	$1.81	$2.05	$1.90	$1.85	$1.98	$1.45	$2.25	$2.07	$2.23	$2.44
Weighted Average Diluted Shares Outstanding	48.65M	48.75M	48.75M	48.67M	48.76M	48.76M	48.92M	48.97M	49.08M	49.06M
Weighted Average Basic & Diluted Shares Outstanding	48.31M	48.50M	48.51M	48.52M	48.53M	48.74M	48.74M	48.75M	48.80M	72.59M
Cash Dividends to Common per Share	$0.37	$0.38	$0.38	$0.38	$0.38	$0.39	$0.39	$0.39	$0.39	$0.40

This table details how cash moves in and out of UMB Financial's business through operations, investing, and financing, using annual figures. All values are USD millions unless otherwise specified.

Metric	2015	2016	2017	2018	2019	2020	2021	2022	2023	2024
Net Change in Cash & Equivalents	-968	245	652	-42	-4.95	1,828	5,717	-7,657	3,970	2,920
Net Cash From Operating Activities	212	296	327	296	340	374	534	770	473	225
Net Cash From Continuing Operating Activities	212	299	327	296	340	374	534	770	473	225
Net Income / (Loss) Continuing Operations	116	159	247	196	244	287	353	432	350	441
Consolidated Net Income / (Loss)	116	159	247	196	244	287	353	432	350	441
Provision For Loan Losses	16	33	41	71	33	131	20	38	41	61
Depreciation Expense	53	55	55	53	56	63	56	54	59	53
Amortization Expense	57	54	46	42	34	45	54	47	44	49
Non-Cash Adjustments to Reconcile Net Income	3.91	-11	-38	-22	24	-99	-4.14	-33	-5.50	-16
Changes in Operating Assets and Liabilities, net	-34	9.24	-25	-44	-50	-51	55	232	-16	-362
Net Cash From Investing Activities	-1,330	-1,502	-479	-1,747	-2,985	-4,491	-4,235	-3,845	-1,273	-3,263
Net Cash From Continuing Investing Activities	-1,330	-1,502	-479	-1,747	-2,985	-4,491	-4,235	-3,845	-1,273	-3,263
Purchase of Property, Leasehold Improvements and Equipment	-54	-51	-36	-58	-72	-60	-34	-52	-27	-24
Purchase of Investment Securities	-3,568	-4,183	-2,656	-2,486	-3,812	-7,344	-7,047	-6,215	-3,997	-10,771
Sale of Property, Leasehold Improvements and Equipment	1.07	1.76	3.04	5.38	5.54	8.57	3.90	6.73	3.81	4.20
Divestitures	95	0.00	165	-8.91	-18	0.02	18	549	-0.79	-109
Sale and/or Maturity of Investments	2,240	2,880	1,913	1,238	1,868	3,019	2,404	1,608	2,035	7,937
Net Increase in Fed Funds Sold	-45	-151	133	-435	-951	-72	434	258	713	-300
Net Cash From Financing Activities	150	1,451	804	1,409	2,640	5,946	9,418	-4,581	4,771	5,958
Net Cash From Continuing Financing Activities	150	1,451	804	1,409	2,640	5,946	9,418	-4,581	4,771	5,958
Net Change in Deposits	542	1,479	1,452	1,273	2,322	5,448	-24	-3,571	3,154	-946
Issuance of Debt	2.50	1.50	3.00	0.00	0.00	215	0.00	110	32,856	500
Issuance of Common Equity	12	17	14	12	4.64	5.19	19	2.14	2.46	4.69
Repayment of Debt	-123	-17	-1.52	0.00	0.00	-17	0.00	-2.13	-31,056	-2,300
Repurchase of Common Equity	-8.46	-16	-15	-77	-4.50	-64	-5.51	-32	-8.37	-7.74
Payment of Dividends	-46	-49	-52	-58	-59	-60	-67	-72	-74	-77
Other Financing Activities, Net	-229	36	-596	258	378	419	9,496	-1,016	-103	8,784
Cash Interest Paid	18	28	57	115	190	84	47	196	844	1,205
Cash Income Taxes Paid	47	44	46	63	2.25	34	93	102	79	77

This table details how cash moves in and out of UMB Financial's business through operations, investing, and financing, using quarterly figures. All values are USD millions unless otherwise specified.

Metric	Q3 2022	Q4 2022	Q1 2023	Q2 2023	Q3 2023	Q4 2023	Q1 2024	Q2 2024	Q3 2024	Q4 2024
Net Change in Cash & Equivalents	-106	-453	1,965	216	188	1,601	1,415	-1,927	2,261	1,172
Net Cash From Operating Activities	219	144	1.70	154	232	85	56	112	124	-67
Net Cash From Continuing Operating Activities	219	144	1.70	154	232	85	56	112	124	-67
Net Income / (Loss) Continuing Operations	88	100	92	90	97	71	110	101	110	120
Consolidated Net Income / (Loss)	88	100	92	90	97	71	110	101	110	120
Provision For Loan Losses	22	9.00	23	13	4.98	-	10	14	18	19
Depreciation Expense	14	14	15	15	15	14	14	13	13	13
Amortization Expense	12	11	11	12	11	10	6.92	8.53	8.33	25
Non-Cash Adjustments to Reconcile Net Income	-7.62	2.63	5.36	-20	7.90	0.75	-31	15	-6.95	6.76
Changes in Operating Assets and Liabilities, net	91	7.31	-146	44	97	-11	-53	-40	-18	-250
Net Cash From Investing Activities	-389	-937	-42	-398	-145	-689	158	-1,114	-588	-1,718
Net Cash From Continuing Investing Activities	-389	-937	-42	-398	-145	-689	158	-1,114	-588	-1,718
Purchase of Property, Leasehold Improvements and Equipment	-17	-17	-9.43	-7.66	-6.04	-3.78	-2.38	-5.69	-5.96	-10
Purchase of Investment Securities	-992	-1,313	-1,045	-1,421	-499	-1,032	-3,019	-4,434	-1,309	-2,009
Sale and/or Maturity of Investments	290	314	432	992	298	312	3,239	3,393	889	417
Net Increase in Fed Funds Sold	339	-242	590	48	72	2.86	65	-67	-152	-146
Net Cash From Financing Activities	64	340	2,006	460	100	2,205	1,200	-925	2,725	2,957
Net Cash From Continuing Financing Activities	64	340	2,006	460	100	2,205	1,200	-925	2,725	2,957
Net Change in Deposits	-3,722	450	1,765	-884	-89	2,361	-430	-561	-20	65
Issuance of Common Equity	0.31	0.80	0.43	0.57	0.27	1.19	0.28	0.13	3.29	0.99
Repayment of Debt	-2.03	-0.10	-10,481	-19,725	-350	-500	0.00	-1,000	-250	-1,050
Payment of Dividends	-18	-18	-18	-18	-18	-19	-19	-20	-19	-20
Other Financing Activities, Net	3,695	-92	-2,534	2,362	-293	362	1,657	155	3,011	3,961
Cash Interest Paid	60	105	165	206	207	266	269	318	293	325
Cash Income Taxes Paid	25	22	1.51	48	18	12	1.33	55	20	0.85

This table presents UMB Financial's assets and liabilities at the end of each period, using annual balance sheet data. All values are USD millions unless otherwise specified.

Metric	2015	2016	2017	2018	2019	2020	2021	2022	2023	2024
Total Assets	19,094	20,683	21,772	23,351	26,561	33,128	42,693	38,512	44,012	50,410
Cash and Due from Banks	458	422	393	645	473	431	414	501	447	573
Federal Funds Sold	174	324	192	627	1,578	1,650	1,216	959	245	545
Interest Bearing Deposits at Other Banks	523	716	1,352	1,048	1,225	3,110	8,842	1,179	5,160	7,986
Trading Account Securities	7,504	7,627	7,575	7,778	7,501	9,341	12,010	7,026	7,091	7,806
Loans and Leases, Net of Allowance	9,350	10,449	11,180	12,075	13,330	15,888	16,976	20,839	-220	-259
Allowance for Loan and Lease Losses	81	92	101	104	102	216	195	192	220	259
Accrued Investment Income	90	99	99	110	125	140	131	189	220	246
Premises and Equipment, Net	281	289	276	284	300	293	271	264	242	222
Goodwill	228	181	181	181	181	181	175	207	207	207
Intangible Assets	47	27	20	15	28	21	14	79	71	64
Other Assets	439	549	505	589	1,821	2,072	2,645	7,269	30,548	33,020
Total Liabilities & Shareholders' Equity	19,094	20,683	21,772	23,351	26,561	33,128	42,693	38,512	44,012	50,410
Total Liabilities	17,201	18,720	19,590	21,123	23,955	30,111	39,548	35,845	40,911	46,943
Non-Interest Bearing Deposits	6,307	6,655	6,839	6,680	6,944	9,880	16,343	13,260	12,131	13,617
Interest Bearing Deposits	8,786	9,916	11,184	12,601	14,659	17,171	19,257	19,379	23,662	29,525
Federal Funds Purchased and Securities Sold	1,818	1,857	1,261	1,519	1,897	2,315	3,238	2,222	2,120	2,610
Short-Term Debt	5.01	-	-	-	-	-	-	0.00	1,800	0.00
Other Short-Term Payables	161	173	191	178	232	320	-	240	390	368
Long-Term Debt	86	77	79	83	70	270	272	381	383	385
Other Long-Term Liabilities	37	43	36	62	153	155	438	363	426	438
Total Equity & Noncontrolling Interests	1,894	1,962	2,182	2,228	2,606	3,017	3,145	2,667	3,100	3,467
Total Preferred & Common Equity	1,894	1,962	2,182	2,228	2,606	3,017	3,145	2,667	3,100	3,467
Total Common Equity	1,894	1,962	2,182	2,228	2,606	3,017	3,145	2,667	3,100	3,467
Common Stock	1,075	1,088	1,101	1,110	1,129	1,146	1,166	1,181	1,189	1,201
Retained Earnings	1,034	1,143	1,338	1,488	1,672	1,891	2,177	2,536	2,811	3,175
Treasury Stock	-212	-211	-212	-274	-278	-338	-323	-347	-343	-336
Accumulated Other Comprehensive Income / (Loss)	-3.72	-58	-46	-96	83	318	126	-703	-557	-573

This table presents UMB Financial's assets and liabilities at the end of each period, using quarterly balance sheet data. All values are USD millions unless otherwise specified.

Metric	Q3 2022	Q1 2023	Q2 2023	Q3 2023	Q1 2024	Q2 2024	Q3 2024
Total Assets	37,581	40,607	41,243	41,465	45,343	44,469	47,496
Cash and Due from Banks	371	472	432	455	357	465	778
Federal Funds Sold	717	368	320	248	180	247	399
Interest Bearing Deposits at Other Banks	1,768	3,121	3,370	3,556	6,673	4,640	6,602
Trading Account Securities	7,146	6,929	6,701	6,358	6,586	7,141	7,057
Loans and Leases, Net of Allowance	19,699	21,602	22,261	22,660	23,411	-239	-249
Allowance for Loan and Lease Losses	185	211	222	221	226	239	249
Accrued Investment Income	154	182	190	209	221	238	219
Premises and Equipment, Net	261	261	255	249	232	227	222
Goodwill	182	207	207	207	207	207	207
Intangible Assets	13	76	75	73	69	67	66
Other Assets	7,271	7,388	7,431	7,449	7,406	31,476	32,195
Total Liabilities & Shareholders' Equity	37,581	40,607	41,243	41,465	45,343	44,469	47,496
Total Liabilities	35,058	37,793	38,411	38,658	42,191	41,242	43,961
Non-Interest Bearing Deposits	13,877	12,489	12,143	11,255	13,251	12,035	12,841
Interest Bearing Deposits	17,929	19,443	21,378	22,177	23,663	24,483	26,862
Federal Funds Purchased and Securities Sold	2,314	2,161	2,051	1,758	2,225	2,217	2,023
Short-Term Debt	-	2,800	1,800	2,300	1,800	1,300	1,050
Other Short-Term Payables	211	-	257	319	375	-	387
Long-Term Debt	382	382	382	383	384	384	385
Other Long-Term Liabilities	344	518	401	467	493	823	413
Total Equity & Noncontrolling Interests	2,524	2,815	2,832	2,807	3,153	3,227	3,535
Total Preferred & Common Equity	2,524	2,815	2,832	2,807	3,153	3,227	3,535
Total Common Equity	2,524	2,815	2,832	2,807	3,153	3,227	3,535
Common Stock	1,176	1,176	1,180	1,183	1,183	1,187	1,193
Retained Earnings	2,454	2,610	2,681	2,759	2,903	2,984	3,075
Treasury Stock	-347	-344	-344	-344	-339	-339	-337
Accumulated Other Comprehensive Income / (Loss)	-759	-627	-686	-792	-595	-606	-396

This table displays calculated financial ratios and metrics derived from UMB Financial's official financial filings.

Metric	2015	2016	2017	2018	2019	2020	2021	2022	2023	2024
Growth Metrics	-	-	-	-	-	-	-	-	-	-
Revenue Growth	-7.78%	14.71%	9.43%	3.02%	8.45%	17.65%	-0.67%	14.45%	-0.41%	11.43%
EBITDA Growth	-9.71%	29.06%	9.69%	-5.54%	17.93%	18.76%	20.81%	17.40%	-17.19%	22.61%
EBIT Growth	-22.75%	54.80%	19.01%	-5.40%	27.89%	18.51%	26.61%	23.99%	-20.75%	28.38%
NOPAT Growth	-19.97%	59.11%	19.10%	7.26%	24.12%	17.61%	23.22%	22.28%	-18.92%	26.06%
Net Income Growth	-3.80%	36.81%	55.61%	-20.88%	24.60%	17.61%	23.22%	22.28%	-18.92%	26.06%
EPS Growth	-7.92%	31.97%	54.04%	-20.77%	26.21%	19.56%	22.09%	22.38%	-18.96%	25.21%
Operating Cash Flow Growth	-13.74%	39.89%	10.15%	-9.44%	14.96%	9.90%	42.96%	44.09%	-38.59%	-52.33%
Free Cash Flow Firm Growth	-1,039.16%	142.12%	-138.97%	477.28%	-183.65%	-164.79%	168.87%	259.51%	-335.58%	199.35%
Invested Capital Growth	20.10%	2.74%	10.87%	2.23%	15.82%	22.78%	3.97%	-10.79%	73.33%	-27.10%
Revenue Q/Q Growth	-8.73%	9.79%	4.36%	0.00%	0.00%	12.18%	-6.80%	2.90%	0.01%	4.05%
EBITDA Q/Q Growth	-8.59%	13.33%	3.38%	230.45%	323.10%	36.97%	-15.16%	4.13%	-7.78%	13.73%
EBIT Q/Q Growth	-17.97%	26.95%	5.67%	0.00%	0.00%	50.58%	-17.77%	5.03%	-9.26%	13.41%
NOPAT Q/Q Growth	-14.83%	25.50%	3.40%	0.00%	0.00%	45.66%	-18.06%	5.29%	-7.71%	12.51%
Net Income Q/Q Growth	2.38%	9.13%	38.76%	0.00%	0.00%	45.66%	-18.06%	5.29%	-7.71%	12.51%
EPS Q/Q Growth	0.00%	9.52%	38.16%	0.00%	0.00%	46.06%	-18.28%	5.35%	-7.71%	12.38%
Operating Cash Flow Q/Q Growth	-10.77%	42.37%	-11.98%	-3.47%	29.69%	2.47%	2.55%	-3.42%	-11.18%	-40.26%
Free Cash Flow Firm Q/Q Growth	7.08%	743.90%	-138.91%	239.82%	66.90%	-11.19%	20.21%	-9.96%	14.50%	105.53%
Invested Capital Q/Q Growth	-0.23%	-2.90%	3.82%	1.28%	0.98%	4.73%	0.98%	4.93%	-3.75%	-22.50%
Profitability Metrics	-	-	-	-	-	-	-	-	-	-
EBITDA Margin	30.45%	34.26%	34.34%	31.49%	34.24%	34.57%	42.04%	43.13%	35.86%	39.46%
EBIT Margin	16.39%	22.12%	24.06%	22.09%	26.05%	26.24%	33.45%	36.24%	28.84%	33.23%
Profit (Net Income) Margin	14.83%	17.69%	25.15%	19.32%	22.19%	22.19%	27.52%	29.41%	23.94%	27.09%
Tax Burden Percent	90.48%	79.96%	104.55%	87.44%	85.19%	84.54%	82.28%	81.14%	83.02%	81.52%
Interest Burden Percent	100.00%	100.00%	100.00%	100.00%	100.00%	100.00%	100.00%	100.00%	100.00%	100.00%
Effective Tax Rate	24.73%	22.64%	22.58%	12.22%	14.81%	15.46%	17.72%	18.86%	16.98%	18.48%
Return on Invested Capital (ROIC)	5.31%	7.64%	8.51%	8.59%	9.77%	9.61%	10.53%	13.35%	8.40%	9.66%
ROIC Less NNEP Spread (ROIC-NNEP)	44.38%	13.79%	90.70%	7.66%	9.77%	9.61%	10.53%	13.35%	8.40%	9.66%
Return on Net Nonoperating Assets (RNNOA)	1.25%	0.60%	3.42%	0.28%	0.31%	0.58%	0.92%	1.50%	3.74%	3.78%
Return on Equity (ROE)	6.56%	8.24%	11.93%	8.87%	10.08%	10.19%	11.46%	14.85%	12.14%	13.44%
Cash Return on Invested Capital (CROIC)	-12.96%	4.93%	-1.80%	6.38%	-4.89%	-10.84%	6.64%	24.75%	-45.25%	41.01%
Operating Return on Assets (OROA)	0.70%	1.00%	1.11%	0.99%	1.15%	1.14%	1.13%	1.31%	1.02%	1.15%
Return on Assets (ROA)	0.63%	0.80%	1.16%	0.87%	0.98%	0.96%	0.93%	1.06%	0.85%	0.93%
Return on Common Equity (ROCE)	6.56%	8.24%	11.93%	8.87%	10.08%	10.19%	11.46%	14.85%	12.14%	13.44%
Return on Equity Simple (ROE_SIMPLE)	6.13%	8.09%	11.33%	8.77%	9.35%	9.50%	11.22%	16.19%	11.29%	12.73%
Net Operating Profit after Tax (NOPAT)	97	154	183	196	244	287	353	432	350	441
NOPAT Margin	12.34%	17.11%	18.62%	19.39%	22.19%	22.19%	27.52%	29.41%	23.94%	27.09%
Net Nonoperating Expense Percent (NNEP)	-39.07%	-6.16%	-82.19%	0.92%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%
SG&A Expenses to Revenue	63.30%	58.12%	56.16%	55.71%	55.99%	49.82%	50.57%	45.86%	47.63%	45.01%
Operating Expenses to Revenue	81.63%	74.26%	71.77%	70.92%	70.96%	63.65%	64.99%	61.18%	68.34%	63.03%
Earnings before Interest and Taxes (EBIT)	128	199	236	224	286	339	429	532	422	541
Earnings before Interest, Taxes, Depreciation and Amortization (EBITDA)	238	308	337	319	376	446	539	633	524	643
Valuation Ratios	-	-	-	-	-	-	-	-	-	-
Price to Book Value (P/BV)	1.04	1.71	1.46	1.23	1.19	1.03	1.56	1.46	1.29	1.59
Price to Tangible Book Value (P/TBV)	1.22	1.91	1.61	1.35	1.29	1.11	1.65	1.63	1.41	1.72
Price to Revenue (P/Rev)	2.53	3.73	3.24	2.71	2.83	2.41	3.81	2.65	2.73	3.38
Price to Earnings (P/E)	17.04	21.08	12.90	14.05	12.73	10.87	13.86	9.00	11.39	12.48
Dividend Yield	2.37%	1.47%	1.63%	2.12%	1.92%	1.93%	1.36%	1.85%	1.86%	1.39%
Earnings Yield	5.87%	4.74%	7.75%	7.12%	7.86%	9.20%	7.22%	11.11%	8.78%	8.01%
Enterprise Value to Invested Capital (EV/IC)	0.46	0.96	0.59	0.22	0.00	0.00	0.00	0.53	0.06	0.00
Enterprise Value to Revenue (EV/Rev)	1.17	2.19	1.35	0.50	0.00	0.00	0.00	1.11	0.22	0.00
Enterprise Value to EBITDA (EV/EBITDA)	3.84	6.38	3.95	1.60	0.00	0.00	0.00	2.57	0.61	0.00
Enterprise Value to EBIT (EV/EBIT)	7.13	9.88	5.63	2.28	0.00	0.00	0.00	3.06	0.76	0.00
Enterprise Value to NOPAT (EV/NOPAT)	9.47	12.78	7.28	2.60	0.00	0.00	0.00	3.77	0.91	0.00
Enterprise Value to Operating Cash Flow (EV/OCF)	4.31	6.62	4.08	1.72	0.00	0.00	0.00	2.11	0.67	0.00
Enterprise Value to Free Cash Flow (EV/FCFF)	0.00	19.78	0.00	3.49	0.00	0.00	0.00	2.03	0.00	0.00
Leverage & Solvency	-	-	-	-	-	-	-	-	-	-
Debt to Equity	0.05	0.04	0.04	0.04	0.03	0.09	0.09	0.14	0.70	0.11
Long-Term Debt to Equity	0.05	0.04	0.04	0.04	0.03	0.09	0.09	0.14	0.12	0.11
Financial Leverage	0.03	0.04	0.04	0.04	0.03	0.06	0.09	0.11	0.44	0.39
Leverage Ratio	10.35	10.32	10.24	10.23	10.32	10.61	12.30	13.97	14.31	14.38
Compound Leverage Factor	10.35	10.32	10.24	10.23	10.32	10.61	12.30	13.97	14.31	14.38
Debt to Total Capital	4.59%	3.76%	3.51%	3.58%	2.63%	8.20%	7.95%	12.51%	41.32%	10.00%
Short-Term Debt to Total Capital	0.25%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	34.07%	0.00%
Long-Term Debt to Total Capital	4.34%	3.76%	3.51%	3.58%	2.63%	8.20%	7.95%	12.51%	7.25%	10.00%
Preferred Equity to Total Capital	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%
Noncontrolling Interests to Total Capital	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%
Common Equity to Total Capital	95.41%	96.24%	96.49%	96.42%	97.37%	91.80%	92.05%	87.49%	58.68%	90.00%
Debt to EBITDA	0.38	0.25	0.24	0.26	0.19	0.60	0.50	0.60	4.16	0.60
Net Debt to EBITDA	-4.46	-4.50	-5.50	-7.02	-8.53	-11.03	-18.92	-3.57	-7.00	-13.56
Long-Term Debt to EBITDA	0.36	0.25	0.24	0.26	0.19	0.60	0.50	0.60	0.73	0.60
Debt to NOPAT	0.94	0.50	0.43	0.42	0.29	0.94	0.77	0.88	6.24	0.87
Net Debt to NOPAT	-11.02	-9.02	-10.15	-11.40	-13.16	-17.18	-28.90	-5.23	-10.48	-19.76
Long-Term Debt to NOPAT	0.89	0.50	0.43	0.42	0.29	0.94	0.77	0.88	1.09	0.87
Noncontrolling Interest Sharing Ratio	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%
Liquidity Ratios	-	-	-	-	-	-	-	-	-	-
Cash Flow Metrics	-	-	-	-	-	-	-	-	-	-
Free Cash Flow to Firm (FCFF)	-236	99	-39	146	-122	-323	223	800	-1,885	1,873
Operating Cash Flow to CapEx	402.17%	603.98%	977.33%	562.58%	509.06%	723.35%	1,793.00%	1,710.69%	2,045.55%	1,125.92%
Free Cash Flow to Firm to Interest Expense	-12.66	3.58	-0.67	1.20	-0.64	-4.18	4.84	3.58	-2.05	1.60
Operating Cash Flow to Interest Expense	11.38	10.70	5.63	2.43	1.77	4.84	11.61	3.44	0.51	0.19
Operating Cash Flow Less CapEx to Interest Expense	8.55	8.93	5.05	2.00	1.42	4.17	10.96	3.24	0.49	0.18
Efficiency Ratios	-	-	-	-	-	-	-	-	-	-
Asset Turnover	0.04	0.05	0.05	0.04	0.04	0.04	0.03	0.04	0.04	0.03
Fixed Asset Turnover	2.90	3.15	3.48	3.62	3.76	4.35	4.55	5.49	5.79	7.03
Capital & Investment Metrics	-	-	-	-	-	-	-	-	-	-
Invested Capital	1,985	2,039	2,261	2,311	2,677	3,287	3,417	3,048	5,284	3,852
Invested Capital Turnover	0.43	0.45	0.46	0.44	0.44	0.43	0.38	0.45	0.35	0.36
Increase / (Decrease) in Invested Capital	332	54	222	50	366	610	130	-369	2,235	-1,432
Enterprise Value (EV)	914	1,963	1,331	509	-105	-1,807	-5,308	1,627	319	-3,212
Market Capitalization	1,978	3,348	3,188	2,747	3,101	3,114	4,892	3,884	3,988	5,507
Book Value per Share	$38.42	$39.59	$43.75	$44.68	$53.09	$62.81	$65.04	$55.21	$63.89	$71.04
Tangible Book Value per Share	$32.83	$35.41	$39.71	$40.75	$48.85	$58.61	$61.14	$49.28	$58.15	$65.48
Total Capital	1,985	2,039	2,261	2,311	2,677	3,287	3,417	3,048	5,284	3,852
Total Debt	91	77	79	83	70	270	272	381	2,183	385
Total Long-Term Debt	86	77	79	83	70	270	272	381	383	385
Net Debt	-1,064	-1,385	-1,857	-2,237	-3,206	-4,921	-10,201	-2,257	-3,669	-8,719
Capital Expenditures (CapEx)	53	49	33	53	67	52	30	45	23	20
Net Nonoperating Expense (NNE)	-20	-5.17	-64	0.75	0.00	0.00	0.00	0.00	0.00	0.00
Net Nonoperating Obligations (NNO)	91	77	79	83	70	270	272	381	2,183	385
Total Depreciation and Amortization (D&A)	110	109	101	95	90	107	110	101	103	102
Earnings Adjustments	-	-	-	-	-	-	-	-	-	-
Adjusted Basic Earnings per Share	$2.46	$3.25	$5.02	$3.97	$4.99	$5.95	$7.31	$8.93	$7.22	$9.05
Adjusted Weighted Average Basic Shares Outstanding	47.13M	48.83M	49.22M	49.33M	48.78M	48.14M	48.27M	48.34M	48.50M	48.75M
Adjusted Diluted Earnings per Share	$2.44	$3.22	$4.96	$3.93	$4.96	$5.93	$7.24	$8.86	$7.18	$8.99
Adjusted Weighted Average Diluted Shares Outstanding	47.58M	49.28M	49.84M	49.77M	49.09M	48.34M	48.74M	48.75M	48.76M	49.06M
Adjusted Basic & Diluted Earnings per Share	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00
Adjusted Weighted Average Basic & Diluted Shares Outstanding	49.53M	49.81M	50.05M	49.05M	49.09M	48.18M	48.46M	48.50M	48.74M	72.59M
Normalized Net Operating Profit after Tax (NOPAT)	97	154	183	196	244	287	353	432	350	441
Normalized NOPAT Margin	12.34%	17.11%	18.62%	19.39%	22.19%	22.19%	27.52%	29.41%	23.94%	27.09%
Pre Tax Income Margin	16.39%	22.12%	24.06%	22.09%	26.05%	26.24%	33.45%	36.24%	28.84%	33.23%
Debt Service Ratios	-	-	-	-	-	-	-	-	-	-
EBIT to Interest Expense	6.89	7.17	4.08	1.84	1.49	4.39	9.33	2.38	0.46	0.46
NOPAT to Interest Expense	5.19	5.54	3.15	1.62	1.27	3.71	7.67	1.93	0.38	0.38
EBIT Less CapEx to Interest Expense	4.06	5.40	3.50	1.41	1.14	3.72	8.68	2.18	0.43	0.45
NOPAT Less CapEx to Interest Expense	2.36	3.77	2.58	1.18	0.92	3.04	7.03	1.73	0.36	0.36
Payout Ratios	-	-	-	-	-	-	-	-	-	-
Dividend Payout Ratio	39.60%	30.88%	20.99%	29.81%	24.40%	21.04%	18.91%	16.69%	21.21%	17.48%
Augmented Payout Ratio	46.89%	41.19%	27.18%	68.94%	26.24%	43.30%	20.47%	24.10%	23.60%	19.23%

This table displays calculated financial ratios and metrics derived from UMB Financial's official financial filings.

Metric	Q3 2022	Q4 2022	Q1 2023	Q2 2023	Q3 2023	Q4 2023	Q1 2024	Q2 2024	Q3 2024	Q4 2024
Growth Metrics	-	-	-	-	-	-	-	-	-	-
Revenue Growth	14.02%	12.54%	11.34%	-9.33%	-1.82%	0.03%	7.20%	7.24%	14.21%	17.10%
EBITDA Growth	-4.45%	20.22%	-8.27%	-31.42%	7.70%	-29.65%	11.93%	9.04%	8.38%	73.92%
EBIT Growth	-4.39%	25.90%	-11.26%	-36.62%	9.53%	-34.76%	19.97%	15.35%	13.83%	79.23%
NOPAT Growth	-6.86%	27.62%	-12.76%	-34.49%	9.73%	-29.20%	19.28%	12.47%	13.56%	69.19%
Net Income Growth	-6.86%	27.62%	-12.76%	-34.49%	9.73%	-29.20%	19.28%	12.47%	13.56%	69.19%
EPS Growth	-6.70%	28.13%	-12.44%	-34.63%	9.39%	-29.27%	18.42%	11.89%	12.63%	68.28%
Operating Cash Flow Growth	18.47%	-15.88%	-99.13%	-26.72%	5.89%	-41.17%	3,210.38%	-26.90%	-46.75%	-178.69%
Free Cash Flow Firm Growth	474.87%	1,002.65%	-1,018.82%	-444.52%	-538.92%	-561.74%	126.71%	110.14%	125.28%	171.70%
Invested Capital Growth	-14.15%	-10.79%	98.53%	71.98%	88.96%	73.33%	-11.00%	-2.04%	-9.46%	-27.10%
Revenue Q/Q Growth	-9.70%	2.33%	0.33%	-2.21%	-2.22%	4.27%	7.53%	-2.17%	4.13%	6.91%
EBITDA Q/Q Growth	-32.40%	10.95%	-7.41%	-1.25%	6.16%	-27.53%	47.32%	-3.80%	5.52%	16.30%
EBIT Q/Q Growth	-37.32%	13.82%	-9.89%	-1.41%	8.33%	-32.21%	65.68%	-5.20%	6.90%	6.75%
NOPAT Q/Q Growth	-36.03%	13.85%	-7.72%	-2.52%	7.15%	-26.55%	55.46%	-8.08%	8.19%	9.44%
Net Income Q/Q Growth	-36.03%	13.85%	-7.72%	-2.52%	7.15%	-26.55%	55.46%	-8.08%	8.19%	9.44%
EPS Q/Q Growth	-36.04%	13.26%	-7.32%	-2.63%	7.03%	-26.77%	55.17%	-8.00%	7.73%	9.42%
Operating Cash Flow Q/Q Growth	4.55%	-34.13%	-98.83%	8,963.21%	51.07%	-63.41%	-33.93%	100.14%	10.04%	-154.08%
Free Cash Flow Firm Q/Q Growth	-2.77%	-17.30%	-715.18%	30.35%	-23.87%	13.00%	135.58%	-73.56%	208.76%	146.78%
Invested Capital Q/Q Growth	-0.35%	4.93%	96.71%	-16.39%	9.48%	-3.75%	1.00%	-7.96%	1.19%	-22.50%
Profitability Metrics	-	-	-	-	-	-	-	-	-	-
EBITDA Margin	37.12%	40.25%	37.14%	37.51%	40.72%	28.31%	38.78%	38.13%	38.64%	42.04%
EBIT Margin	30.04%	33.41%	30.01%	30.25%	33.52%	21.79%	33.58%	32.54%	33.41%	33.36%
Profit (Net Income) Margin	24.29%	27.03%	24.86%	24.78%	27.15%	19.13%	27.66%	25.98%	27.00%	27.64%
Tax Burden Percent	80.86%	80.89%	82.83%	81.90%	81.01%	87.77%	82.36%	79.86%	80.82%	82.86%
Interest Burden Percent	100.00%	100.00%	100.00%	100.00%	100.00%	100.00%	100.00%	100.00%	100.00%	100.00%
Effective Tax Rate	19.14%	19.11%	17.17%	18.10%	18.99%	12.23%	17.64%	20.14%	19.18%	17.14%
Return on Invested Capital (ROIC)	11.02%	12.27%	8.30%	9.18%	9.46%	6.71%	7.27%	7.93%	8.08%	9.86%
ROIC Less NNEP Spread (ROIC-NNEP)	11.02%	12.27%	8.30%	9.18%	9.46%	6.71%	7.27%	7.93%	8.08%	9.86%
Return on Net Nonoperating Assets (RNNOA)	1.28%	1.38%	5.15%	4.11%	5.44%	2.98%	6.53%	5.06%	5.25%	3.86%
Return on Equity (ROE)	12.30%	13.65%	13.46%	13.29%	14.89%	9.70%	13.80%	13.00%	13.33%	13.71%
Cash Return on Invested Capital (CROIC)	28.27%	24.75%	-56.73%	-43.58%	-52.54%	-45.25%	18.14%	9.70%	17.43%	41.01%
Operating Return on Assets (OROA)	1.14%	1.21%	1.11%	1.13%	1.24%	0.77%	1.16%	1.15%	1.18%	1.15%
Return on Assets (ROA)	0.92%	0.98%	0.92%	0.92%	1.00%	0.68%	0.96%	0.92%	0.95%	0.95%
Return on Common Equity (ROCE)	12.30%	13.65%	13.46%	13.29%	14.89%	9.70%	13.80%	13.00%	13.33%	13.71%
Return on Equity Simple (ROE_SIMPLE)	16.25%	0.00%	14.86%	13.09%	13.51%	0.00%	11.67%	11.75%	11.09%	0.00%
Net Operating Profit after Tax (NOPAT)	88	100	92	90	97	71	110	101	110	120
NOPAT Margin	24.29%	27.03%	24.86%	24.78%	27.15%	19.13%	27.66%	25.98%	27.00%	27.64%
Net Nonoperating Expense Percent (NNEP)	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%
SG&A Expenses to Revenue	48.09%	47.51%	47.82%	49.29%	47.66%	45.79%	44.60%	45.33%	44.83%	45.29%
Operating Expenses to Revenue	63.88%	64.16%	63.74%	66.17%	65.08%	78.21%	63.91%	63.86%	62.16%	62.27%
Earnings before Interest and Taxes (EBIT)	109	124	112	110	119	81	134	127	136	145
Earnings before Interest, Taxes, Depreciation and Amortization (EBITDA)	134	149	138	136	145	105	155	149	157	183
Valuation Ratios	-	-	-	-	-	-	-	-	-	-
Price to Book Value (P/BV)	1.56	1.46	0.97	1.02	1.05	1.29	1.33	1.26	1.45	1.59
Price to Tangible Book Value (P/TBV)	1.69	1.63	1.08	1.14	1.17	1.41	1.46	1.38	1.57	1.72
Price to Revenue (P/Rev)	2.75	2.65	1.81	1.97	2.02	2.73	2.82	2.68	3.27	3.38
Price to Earnings (P/E)	9.58	9.00	6.52	7.80	7.79	11.39	11.42	10.73	13.07	12.48
Dividend Yield	1.82%	1.85%	2.67%	2.53%	2.50%	1.86%	1.78%	1.86%	1.48%	1.39%
Earnings Yield	10.44%	11.11%	15.34%	12.81%	12.83%	8.78%	8.76%	9.32%	7.65%	8.01%
Enterprise Value to Invested Capital (EV/IC)	0.50	0.53	0.32	0.19	0.25	0.06	0.00	0.08	0.00	0.00
Enterprise Value to Revenue (EV/Rev)	1.02	1.11	1.29	0.65	0.94	0.22	0.00	0.26	0.00	0.00
Enterprise Value to EBITDA (EV/EBITDA)	2.39	2.57	3.14	1.71	2.43	0.61	0.00	0.72	0.00	0.00
Enterprise Value to EBIT (EV/EBIT)	2.87	3.06	3.76	2.10	2.97	0.76	0.00	0.86	0.00	0.00
Enterprise Value to NOPAT (EV/NOPAT)	3.55	3.77	4.65	2.57	3.64	0.91	0.00	1.05	0.00	0.00
Enterprise Value to Operating Cash Flow (EV/OCF)	1.83	2.11	3.38	1.84	2.59	0.67	0.00	0.82	0.00	0.00
Enterprise Value to Free Cash Flow (EV/FCFF)	1.64	2.03	0.00	0.00	0.00	0.00	0.00	0.83	0.00	0.00
Leverage & Solvency	-	-	-	-	-	-	-	-	-	-
Debt to Equity	0.15	0.14	1.13	0.77	0.96	0.70	0.69	0.52	0.41	0.11
Long-Term Debt to Equity	0.15	0.14	0.14	0.14	0.14	0.12	0.12	0.12	0.11	0.11
Financial Leverage	0.12	0.11	0.62	0.45	0.57	0.44	0.90	0.64	0.65	0.39
Leverage Ratio	13.33	13.97	14.60	14.39	14.83	14.31	14.40	14.15	14.03	14.38
Compound Leverage Factor	13.33	13.97	14.60	14.39	14.83	14.31	14.40	14.15	14.03	14.38
Debt to Total Capital	13.13%	12.51%	53.06%	43.52%	48.87%	41.32%	40.92%	34.29%	28.87%	10.00%
Short-Term Debt to Total Capital	0.00%	0.00%	46.69%	35.90%	41.90%	34.07%	33.73%	26.47%	21.13%	0.00%
Long-Term Debt to Total Capital	13.13%	12.51%	6.37%	7.62%	6.97%	7.25%	7.19%	7.82%	7.74%	10.00%
Preferred Equity to Total Capital	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%
Noncontrolling Interests to Total Capital	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%
Common Equity to Total Capital	86.87%	87.49%	46.94%	56.48%	51.13%	58.68%	59.08%	65.71%	71.13%	90.00%
Debt to EBITDA	0.63	0.60	5.13	3.91	4.72	4.16	4.04	3.05	2.54	0.60
Net Debt to EBITDA	-4.07	-3.57	-1.26	-3.47	-2.77	-7.00	-9.30	-6.63	-11.22	-13.56
Long-Term Debt to EBITDA	0.63	0.60	0.62	0.68	0.67	0.73	0.71	0.69	0.68	0.60
Debt to NOPAT	0.93	0.88	7.61	5.89	7.07	6.24	5.94	4.44	3.66	0.87
Net Debt to NOPAT	-6.03	-5.23	-1.87	-5.23	-4.16	-10.48	-13.67	-9.68	-16.18	-19.76
Long-Term Debt to NOPAT	0.93	0.88	0.91	1.03	1.01	1.09	1.04	1.01	0.98	0.87
Noncontrolling Interest Sharing Ratio	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%
Liquidity Ratios	-	-	-	-	-	-	-	-	-	-
Cash Flow Metrics	-	-	-	-	-	-	-	-	-	-
Free Cash Flow to Firm (FCFF)	567	469	-2,884	-2,008	-2,488	-2,164	770	204	629	1,552
Operating Cash Flow to CapEx	1,241.16%	846.14%	18.11%	4,576.12%	3,665.62%	2,099.80%	0.00%	1,973.76%	2,878.86%	-656.89%
Free Cash Flow to Firm to Interest Expense	8.48	3.85	-17.26	-8.52	-9.96	-8.13	2.74	0.69	2.03	5.43
Operating Cash Flow to Interest Expense	3.28	1.19	0.01	0.65	0.93	0.32	0.20	0.38	0.40	-0.23
Operating Cash Flow Less CapEx to Interest Expense	3.02	1.05	-0.05	0.64	0.90	0.30	0.20	0.36	0.38	-0.27
Efficiency Ratios	-	-	-	-	-	-	-	-	-	-
Asset Turnover	0.04	0.04	0.04	0.04	0.04	0.04	0.03	0.04	0.04	0.03
Fixed Asset Turnover	5.34	5.49	5.74	5.73	5.74	5.79	6.05	6.29	6.65	7.03
Capital & Investment Metrics	-	-	-	-	-	-	-	-	-	-
Invested Capital	2,905	3,048	5,996	5,014	5,489	5,284	5,337	4,912	4,970	3,852
Invested Capital Turnover	0.45	0.45	0.33	0.37	0.35	0.35	0.26	0.31	0.30	0.36
Increase / (Decrease) in Invested Capital	-479	-369	2,976	2,099	2,584	2,235	-660	-102	-519	-1,432
Enterprise Value (EV)	1,455	1,627	1,946	954	1,379	319	-825	398	-1,221	-3,212
Market Capitalization	3,929	3,884	2,726	2,893	2,956	3,988	4,201	4,066	5,124	5,507
Book Value per Share	$52.24	$55.21	$58.03	$58.37	$57.85	$63.89	$64.79	$66.21	$72.53	$71.04
Tangible Book Value per Share	$48.19	$49.28	$52.18	$52.55	$52.07	$58.15	$59.11	$60.58	$66.93	$65.48
Total Capital	2,905	3,048	5,996	5,014	5,489	5,284	5,337	4,912	4,970	3,852
Total Debt	382	381	3,182	2,182	2,683	2,183	2,184	1,684	1,435	385
Total Long-Term Debt	382	381	382	382	383	383	384	384	385	385
Net Debt	-2,474	-2,257	-780	-1,939	-1,576	-3,669	-5,027	-3,668	-6,344	-8,719
Capital Expenditures (CapEx)	18	17	9.36	3.36	6.34	4.05	-0.16	5.69	4.30	10
Net Nonoperating Expense (NNE)	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
Net Nonoperating Obligations (NNO)	382	381	3,182	2,182	2,683	2,183	2,184	1,684	1,435	385
Total Depreciation and Amortization (D&A)	26	25	27	26	26	24	21	22	21	38
Earnings Adjustments	-	-	-	-	-	-	-	-	-	-
Adjusted Basic Earnings per Share	$1.82	$2.07	$1.91	$1.86	$1.99	$1.46	$2.27	$2.08	$2.25	$2.45
Adjusted Weighted Average Basic Shares Outstanding	48.30M	48.34M	48.44M	48.51M	48.53M	48.50M	48.66M	48.74M	48.78M	48.75M
Adjusted Diluted Earnings per Share	$1.81	$2.05	$1.90	$1.85	$1.98	$1.45	$2.25	$2.07	$2.23	$2.44
Adjusted Weighted Average Diluted Shares Outstanding	48.65M	48.75M	48.75M	48.67M	48.76M	48.76M	48.92M	48.97M	49.08M	49.06M
Adjusted Basic & Diluted Earnings per Share	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00
Adjusted Weighted Average Basic & Diluted Shares Outstanding	48.31M	48.50M	48.51M	48.52M	48.53M	48.74M	48.74M	48.75M	48.80M	72.59M
Normalized Net Operating Profit after Tax (NOPAT)	88	100	92	90	97	71	110	101	110	120
Normalized NOPAT Margin	24.29%	27.03%	24.86%	24.78%	27.15%	19.13%	27.66%	25.98%	27.00%	27.64%
Pre Tax Income Margin	30.04%	33.41%	30.01%	30.25%	33.52%	21.79%	33.58%	32.54%	33.41%	33.36%
Debt Service Ratios	-	-	-	-	-	-	-	-	-	-
EBIT to Interest Expense	1.63	1.02	0.67	0.47	0.48	0.30	0.48	0.43	0.44	0.51
NOPAT to Interest Expense	1.32	0.82	0.55	0.38	0.39	0.27	0.39	0.35	0.35	0.42
EBIT Less CapEx to Interest Expense	1.36	0.88	0.61	0.45	0.45	0.29	0.48	0.41	0.42	0.47
NOPAT Less CapEx to Interest Expense	1.05	0.68	0.50	0.37	0.36	0.25	0.39	0.33	0.34	0.38
Payout Ratios	-	-	-	-	-	-	-	-	-	-
Dividend Payout Ratio	17.46%	16.69%	17.35%	19.72%	19.43%	21.21%	20.34%	20.03%	19.52%	17.48%
Augmented Payout Ratio	25.52%	24.10%	21.51%	21.91%	21.61%	23.60%	22.52%	22.14%	21.56%	19.23%

Frequently Asked Questions About UMB Financial's Financials

When does UMB Financial's financial year end?

According to the most recent income statement we have on file, UMB Financial's fiscal year ends in December. Their fiscal year 2024 ended on December 31, 2024.

How has UMB Financial's net income changed over the last 9 years?

UMB Financial's net income appears to be on an upward trend, with a most recent value of $441.24 million in 2024, rising from $116.07 million in 2015. The previous period was $350.02 million in 2023.

How has UMB Financial revenue changed over the last 9 years?

Over the last 9 years, UMB Financial's total revenue changed from $782.73 million in 2015 to $1.63 billion in 2024, a change of 108.1%.

How much debt does UMB Financial have?

UMB Financial's total liabilities were at $46.94 billion at the end of 2024, a 14.7% increase from 2023, and a 172.9% increase since 2015.

How much cash does UMB Financial have?

In the past 9 years, UMB Financial's cash and equivalents has ranged from $392.72 million in 2017 to $645.12 million in 2018, and is currently $573.18 million as of their latest financial filing in 2024.

How has UMB Financial's book value per share changed over the last 9 years?

Over the last 9 years, UMB Financial's book value per share changed from 38.42 in 2015 to 71.04 in 2024, a change of 84.9%.

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This page (NASDAQ:UMBF) was last updated on 4/16/2025 by MarketBeat.com Staff

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UMB Financial (UMBF) Financials

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