Umb Financial Financials
Umb Financial (UMBF) reported $3.4B in revenue for fiscal year 2025, up 54.5% from the prior fiscal year. This page shows its income statement, balance sheet, cash flow statement, and key financial ratios. View 15 years of annual fundamentals and quarterly data, with year-over-year growth rates and compound annual growth rates (CAGR). All figures are derived from SEC filings (10-K and 10-Q reports).
UMB Financial’s FY2025 step-up was balance-sheet led, revealing a financial business that scales through funding and assets more than physical reinvestment.
Net income reached$702M in FY2025, yet return on equity slipped to9.1% . With equity more than doubling from FY2024, the company became much larger faster than it became more profitable, so the latest year looks more like a scale-changing reset than a pure efficiency improvement.
Free cash flow stayed close to operating cash flow in FY2025 because capital spending was only
Long-term debt remained modest at
Financial Health Signals
Scored against banks for FY2025. Each of the six dimensions is a percentile rank within that peer group; the overall is their average, with missing dimensions counted as zero out of six. A high score means strong standing among peers, not absolute cross-industry strength. How this score is calculated →
Health score ≠ stock price. This rates the quality of Umb Financial's business: profitability, growth, balance sheet strength. It doesn't tell you whether the stock is a good buy at today's price. Not financial advice. Use it alongside valuation analysis and your own research.
Umb Financial passes 6 of 7 computable financial strength tests (2 of the nine could not be computed from available data). All 4 profitability signals pass (positive income, cash flow, and earnings quality), 1 of 2 leverage/liquidity signals pass, both operating efficiency signals pass.
For every $1 of reported earnings, Umb Financial generates $1.46 in operating cash flow ($1.0B OCF vs $702.4M net income). This indicates profits are well-supported by actual cash generation, not accounting adjustments.
Key Financial Metrics
Earnings & Revenue
Umb Financial generated $3.4B in revenue in fiscal year 2025. This represents an increase of 54.5% from the prior year.
Umb Financial reported $702.4M in net income in fiscal year 2025. This represents an increase of 59.2% from the prior year.
Not reported for fiscal year 2025.
Cash & Balance Sheet
Umb Financial generated $978.1M in free cash flow in fiscal year 2025, representing cash available after capex. This represents an increase of 376.5% from the prior year.
Umb Financial held $7.8B in cash against $474.2M in long-term debt as of fiscal year 2025.
Umb Financial paid $1.63 per share in dividends in fiscal year 2025.
Margins & Returns
Umb Financial's net profit margin was 20.9% in fiscal year 2025, showing the share of revenue converted to profit. This is up 0.6 percentage points from the prior year.
Umb Financial's ROE was 9.1% in fiscal year 2025, measuring profit generated per dollar of shareholder equity. This is down 3.6 percentage points from the prior year.
Not reported for fiscal year 2025.
Not reported for fiscal year 2025.
Capital Allocation
Umb Financial spent $17.6M on share buybacks in fiscal year 2025, returning capital to shareholders by reducing shares outstanding. This represents an increase of 127.8% from the prior year.
Umb Financial invested $48.6M in capex in fiscal year 2025, funding long-term assets and infrastructure. This represents an increase of 142.8% from the prior year.
Not reported for fiscal year 2025.
UMBF Income Statement
Figures in USD, abbreviated K (thousand), M (million), B (billion), T (trillion). Negative values carry a minus sign and red type.
| Metric | TTM | FY25 | FY24 | FY23 | FY22 | FY21 | FY20 | FY19 | FY18 | FY17 | FY16 | FY15 | FY14 | FY13 | FY12 | FY11 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | $3.5B | $3.4B+54.5% | $2.2B+18.1% | $1.8B+61.6% | $1.1B+32.0% | $861.5M+6.6% | $808.5M-6.3% | $862.9M+17.9% | $732.0M+18.6% | $616.9M+17.9% | $523.0M+21.4% | $430.7M+18.4% | $363.9M+4.5% | $348.3M+2.5% | $339.7M-1.2% | $343.7M |
| SG&A Expenses | $895.8M | $883.9M+48.8% | $593.9M+7.3% | $553.4M+5.5% | $524.4M+4.0% | $504.4M+1.8% | $495.5M+7.4% | $461.4M+10.1% | $419.1M+1.3% | $413.8M+6.1% | $390.1M+6.1% | $367.6M+2.5% | $358.6M+5.6% | $339.7M+6.2% | $319.9M+8.5% | $294.8M |
| Interest Expense | $1.4B | $1.5B+27.5% | $1.2B+27.4% | $918.6M+310.6% | $223.7M+386.3% | $46.0M-40.5% | $77.3M-59.8% | $192.0M+58.0% | $121.5M+109.5% | $58.0M+109.3% | $27.7M+48.9% | $18.6M+34.7% | $13.8M-8.3% | $15.1M-23.2% | $19.6M-26.4% | $26.7M |
| Income Tax | $245.9M | $172.6M+72.5% | $100.0M+39.7% | $71.6M-28.7% | $100.3M+31.9% | $76.0M+45.2% | $52.4M+23.7% | $42.4M+55.0% | $27.3M-48.8% | $53.4M+18.7% | $45.0M+41.7% | $31.7M-30.1% | $45.4M-10.0% | $50.4M+6.2% | $47.5M+19.1% | $39.9M |
| Net Income | $942.7M | $702.4M+59.2% | $441.2M+26.1% | $350.0M-18.9% | $431.7M+22.3% | $353.0M+23.2% | $286.5M+17.6% | $243.6M+24.6% | $195.5M-20.9% | $247.1M+55.6% | $158.8M+36.8% | $116.1M-3.8% | $120.7M-9.9% | $134.0M+9.2% | $122.7M+15.3% | $106.5M |
| EPS (Diluted) | — | $9.29 | $8.99+25.2% | $7.18-19.0% | $8.86+22.4% | $7.24+22.1% | $5.93+19.6% | $4.96+26.2% | $3.93-20.8% | $4.96+54.0% | $3.22+32.0% | $2.44-7.9% | $2.65-17.2% | $3.20+5.3% | $3.04+15.2% | $2.64 |
Not reported in any period shown, so not listed: Cost of Revenue, Gross Profit, R&D Expenses, Operating Income.
TTM is the trailing twelve months, Q3 FY2025 through Q2 FY2026, summed from the four most recent quarterly filings. A row marked — cannot be summed at all, because a quarter in the window reports no per-share figure; a row marked N/A could be summed, but a quarter in the window does not report that metric.
UMBF Balance Sheet
Figures in USD, abbreviated K (thousand), M (million), B (billion), T (trillion). Negative values carry a minus sign and red type.
| Metric | FY25 | FY24 | FY23 | FY22 | FY21 | FY20 | FY19 | FY18 | FY17 | FY16 | FY15 | FY14 | FY13 | FY12 | FY11 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Total Assets | $73.1B+45.0% | $50.4B+14.5% | $44.0B+14.3% | $38.5B-9.8% | $42.7B+28.9% | $33.1B+24.7% | $26.6B+13.7% | $23.4B+7.3% | $21.8B+5.3% | $20.7B+8.3% | $19.1B+9.1% | $17.5B+3.5% | $16.9B+13.3% | $14.9B+10.2% | $13.5B |
| Cash & Equivalents | $7.8B-8.0% | $8.4B+52.8% | $5.5B+254.9% | $1.6B-83.1% | $9.2B+163.5% | $3.5B+109.5% | $1.7B-0.3% | $1.7B-2.5% | $1.7B+61.3% | $1.1B+29.9% | $819.1M-54.2% | $1.8B-30.8% | $2.6B+89.0% | $1.4B-6.4% | $1.5B |
| Goodwill | $1.8B+787.2% | $207.4M0.0% | $207.4M0.0% | $207.4M+18.8% | $174.5M-3.5% | $180.9M0.0% | $180.9M0.0% | $180.9M0.0% | $180.9M0.0% | $180.9M-20.8% | $228.3M+8.9% | $209.8M0.0% | $209.8M0.0% | $209.8M-0.6% | $211.1M |
| Total Liabilities | $65.4B+39.3% | $46.9B+14.7% | $40.9B+14.1% | $35.8B-9.4% | $39.5B+31.3% | $30.1B+25.7% | $24.0B+13.4% | $21.1B+7.8% | $19.6B+4.6% | $18.7B+8.8% | $17.2B+8.5% | $15.9B+2.9% | $15.4B+12.9% | $13.6B+10.5% | $12.4B |
| Long-Term Debt | $474.2M+23.1% | $385.3M+0.5% | $383.2M+0.5% | $381.3M+40.4% | $271.5M+0.7% | $269.6M+283.1% | $70.4M-14.9% | $82.7M+4.3% | $79.3M+3.3% | $76.8M-10.8% | $86.1M+877.0% | $8.8M+74.3% | $5.1M-14.0% | $5.9M-10.0% | $6.5M |
| Total Equity | $7.7B+121.9% | $3.5B+11.8% | $3.1B+16.2% | $2.7B-15.2% | $3.1B+4.3% | $3.0B+15.7% | $2.6B+17.0% | $2.2B+2.2% | $2.2B+11.2% | $2.0B+3.6% | $1.9B+15.2% | $1.6B+9.1% | $1.5B+17.7% | $1.3B+7.4% | $1.2B |
| Retained Earnings | $3.7B+17.7% | $3.2B+13.0% | $2.8B+10.8% | $2.5B+16.5% | $2.2B+15.1% | $1.9B+13.1% | $1.7B+12.4% | $1.5B+11.2% | $1.3B+17.1% | $1.1B+10.5% | $1.0B+7.3% | $963.9M+9.0% | $884.6M+12.4% | $787.0M+12.8% | $697.9M |
Not reported in any period shown, so not listed: Current Assets, Inventory, Accounts Receivable, Current Liabilities.
UMBF Cash Flow Statement
Figures in USD, abbreviated K (thousand), M (million), B (billion), T (trillion). Negative values carry a minus sign and red type.
| Metric | TTM | FY25 | FY24 | FY23 | FY22 | FY21 | FY20 | FY19 | FY18 | FY17 | FY16 | FY15 | FY14 | FY13 | FY12 | FY11 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Operating Cash Flow | $1.1B | $1.0B+355.7% | $225.3M-52.3% | $472.6M-38.6% | $769.6M+44.1% | $534.1M+43.0% | $373.6M+9.9% | $339.9M+15.0% | $295.7M-9.4% | $326.5M+10.1% | $296.4M+39.9% | $211.9M-13.7% | $245.7M-16.8% | $295.2M+31.9% | $223.7M+5.0% | $213.0M |
| Capital Expenditures | $48.1M | $48.6M+142.8% | $20.0M-13.4% | $23.1M-55.3% | $51.7M+53.5% | $33.7M-44.1% | $60.2M-16.7% | $72.3M+24.8% | $57.9M+59.0% | $36.4M-28.3% | $50.8M-5.4% | $53.8M+20.0% | $44.8M+16.9% | $38.3M-13.0% | $44.0M+23.9% | $35.6M |
| Free Cash Flow | $1.0B | $978.1M+376.5% | $205.3M-54.3% | $449.5M-37.4% | $717.8M+43.5% | $500.4M+59.7% | $313.4M+17.1% | $267.6M+12.6% | $237.8M-18.0% | $290.1M+18.1% | $245.6M+55.3% | $158.1M-21.3% | $200.9M-21.8% | $256.9M+42.9% | $179.7M+1.3% | $177.5M |
| Investing Cash Flow | -$5.9B | -$5.6B-72.3% | -$3.3B-156.2% | -$1.3B+66.9% | -$3.8B+9.2% | -$4.2B+5.7% | -$4.5B-50.4% | -$3.0B-70.9% | -$1.7B-264.9% | -$478.6M+68.1% | -$1.5B-12.9% | -$1.3B | N/A | -$1.0B+33.8% | -$1.5B-113.4% | -$722.4M |
| Financing Cash Flow | -$563.3M | $3.9B-34.3% | $6.0B+24.9% | $4.8B+204.2% | -$4.6B-148.6% | $9.4B+58.4% | $5.9B+125.2% | $2.6B+87.4% | $1.4B+75.1% | $804.3M-44.6% | $1.5B+865.9% | $150.2M | N/A | $1.9B+58.6% | $1.2B+30.9% | $935.3M |
| Dividends Paid | $151.2M | $135.6M+75.8% | $77.1M+3.9% | $74.2M+3.1% | $72.0M+7.9% | $66.8M+10.7% | $60.3M+1.4% | $59.4M+2.0% | $58.3M+12.3% | $51.9M+5.8% | $49.0M+6.7% | $46.0M+11.1% | $41.4M+14.4% | $36.2M+7.0% | $33.8M+6.2% | $31.8M |
| Share Buybacks | $39.8M | $17.6M+127.8% | $7.7M-7.5% | $8.4M-73.9% | $32.0M+481.1% | $5.5M-91.4% | $63.8M+1318.3% | $4.5M-94.1% | $76.5M+400.8% | $15.3M-6.7% | $16.4M+93.5% | $8.5M+47.3% | $5.7M+64.0% | $3.5M-82.9% | $20.4M+123.4% | $9.1M |
TTM is the trailing twelve months, Q3 FY2025 through Q2 FY2026, summed from the four most recent quarterly filings. A row marked — cannot be summed at all, because a quarter in the window reports no per-share figure; a row marked N/A could be summed, but a quarter in the window does not report that metric.
UMBF Financial Ratios
Margins and returns are percentages; the remaining ratios are unitless multiples.
| Metric | FY25 | FY24 | FY23 | FY22 | FY21 | FY20 | FY19 | FY18 | FY17 | FY16 | FY15 | FY14 | FY13 | FY12 | FY11 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Net Margin | 20.9%+0.6pp | 20.3%+1.3pp | 19.0%-18.9pp | 38.0%-3.0pp | 41.0%+5.5pp | 35.4%+7.2pp | 28.2%+1.5pp | 26.7%-13.4pp | 40.1%+9.7pp | 30.4%+3.4pp | 27.0%-6.2pp | 33.2%-5.3pp | 38.5%+2.3pp | 36.1%+5.1pp | 31.0% |
| Return on Equity | 9.1%-3.6pp | 12.7%+1.4pp | 11.3%-4.9pp | 16.2%+5.0pp | 11.2%+1.7pp | 9.5%+0.2pp | 9.3%+0.6pp | 8.8%-2.6pp | 11.3%+3.2pp | 8.1%+2.0pp | 6.1%-1.2pp | 7.3%-1.6pp | 8.9%-0.7pp | 9.6%+0.7pp | 8.9% |
| Return on Assets | 1.0%+0.1pp | 0.9%+0.1pp | 0.8%-0.3pp | 1.1%+0.3pp | 0.8%0.0pp | 0.9%-0.1pp | 0.9%+0.1pp | 0.8%-0.3pp | 1.1%+0.4pp | 0.8%+0.2pp | 0.6%-0.1pp | 0.7%-0.1pp | 0.8%0.0pp | 0.8%0.0pp | 0.8% |
| Debt-to-Equity | 0.060.0x | 0.110.0x | 0.120.0x | 0.14+0.1x | 0.090.0x | 0.09+0.1x | 0.030.0x | 0.040.0x | 0.040.0x | 0.040.0x | 0.050.0x | 0.010.0x | 0.000.0x | 0.000.0x | 0.01 |
| FCF Margin | 29.2%+19.7pp | 9.5%-15.0pp | 24.4%-38.7pp | 63.1%+5.0pp | 58.1%+19.3pp | 38.8%+7.8pp | 31.0%-1.5pp | 32.5%-14.5pp | 47.0%+0.1pp | 47.0%+10.2pp | 36.7%-18.5pp | 55.2%-18.6pp | 73.8%+20.9pp | 52.9%+1.3pp | 51.6% |
Not reported in any period shown, so not listed: Gross Margin, Operating Margin, Current Ratio.
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Where Umb Financial Ranks
Frequently Asked Questions
What is Umb Financial's annual revenue?
Umb Financial (UMBF) reported $3.4B in total revenue for fiscal year 2025. This represents a 54.5% change compared to the previous fiscal year. Revenue measures the total income earned from the company's primary business operations before any expenses are deducted.
How fast is Umb Financial's revenue growing?
Umb Financial (UMBF) revenue grew by 54.5% year-over-year, from $2.2B to $3.4B in fiscal year 2025.
Is Umb Financial profitable?
Yes, Umb Financial (UMBF) reported a net income of $702.4M in fiscal year 2025, with a net profit margin of 20.9%.
How much debt does Umb Financial have?
As of fiscal year 2025, Umb Financial (UMBF) had $7.8B in cash and equivalents against $474.2M in long-term debt.
What is Umb Financial's net profit margin?
Umb Financial (UMBF) had a net profit margin of 20.9% in fiscal year 2025, representing the share of revenue converted into profit after all expenses.
Does Umb Financial pay dividends?
Yes, Umb Financial (UMBF) paid $1.63 per share in dividends during fiscal year 2025.
What is Umb Financial's return on equity (ROE)?
Umb Financial (UMBF) has a return on equity of 9.1% for fiscal year 2025, measuring how efficiently the company generates profit from shareholder equity.
What is Umb Financial's free cash flow?
Umb Financial (UMBF) generated $978.1M in free cash flow during fiscal year 2025. This represents a 376.5% change compared to the previous fiscal year. Free cash flow represents the cash a company generates after accounting for capital expenditures, and is widely used to assess financial flexibility and shareholder value.
What is Umb Financial's operating cash flow?
Umb Financial (UMBF) generated $1.0B in operating cash flow during fiscal year 2025, representing cash generated from core business activities.
What are Umb Financial's total assets?
Umb Financial (UMBF) had $73.1B in total assets as of fiscal year 2025, including both current and long-term assets.
What are Umb Financial's capital expenditures?
Umb Financial (UMBF) invested $48.6M in capital expenditures during fiscal year 2025, funding long-term assets and infrastructure.
What is Umb Financial's debt-to-equity ratio?
Umb Financial (UMBF) had a debt-to-equity ratio of 0.06 as of fiscal year 2025, measuring the company's financial leverage by comparing total debt to shareholder equity.
What is Umb Financial's return on assets (ROA)?
Umb Financial (UMBF) had a return on assets of 1.0% for fiscal year 2025, measuring how efficiently the company uses its assets to generate profit.
What is Umb Financial's Piotroski F-Score?
Umb Financial (UMBF) has a Piotroski F-Score of 6 out of 7 computable signals; 2 of the nine could not be computed from available data, so the full-scale strength rating is not shown. The F-Score evaluates nine binary signals across profitability (positive ROA, positive cash flow, improving ROA, earnings quality), leverage (decreasing debt, improving liquidity, no share dilution), and operating efficiency (improving gross margin, improving asset turnover). Scores of 7 to 9 indicate strong and improving fundamentals. Learn more in our complete guide to financial health indicators.
Are Umb Financial's earnings high quality?
Umb Financial (UMBF) has an earnings quality ratio of 1.46x, considered cash-backed (high quality). This ratio compares operating cash flow to net income. A ratio above 1.0x means the company generates more cash than its reported earnings, indicating sustainable, cash-backed profits. Ratios below 1.0x suggest earnings rely on accounting accruals rather than actual cash generation. Learn more in our complete guide to financial health indicators.
How financially healthy is Umb Financial?
Umb Financial (UMBF) scores 49 out of 100 on our Financial Health Score, indicating moderate standing within its banks peer group. The score is a 0-100 composite of six dimensions (Earnings, Growth, Capital, Efficiency, Credit Quality, Stability), each ranked as a percentile relative to companies in the same scoring family (banks against banks, REITs against REITs, and so on) rather than across all industries. It rates the quality of the business, not whether the stock is fairly priced, and is not financial advice. Learn more in our complete guide to financial health indicators.