What is Umb Finl Corp's earnings per share (EPS)?

Umb Finl Corp (UMBFO) reported diluted earnings per share of $9.29 for fiscal year 2025. EPS represents the portion of a company's net income allocated to each outstanding share of common stock and is widely used to evaluate profitability on a per-share basis.

Umb Finl Corp (UMBFO) Financials

UMBFO

Trailing 12 months to June 30, 2026

Revenue $3.5B +29.7% YoY

Net Income $942.7M +78.4% YoY

EPS (Diluted) $12.03 YoY not available

Free Cash Flow $1.0B +56.0% YoY

Source SEC Filings (10-K/10-Q) Latest period Q2 FY2026, ended Jun 30, 2026 Reported Jul 30, 2026 Currency USD FYE December

Newest figures come from the 10-Q for Q2 FY2026, filed Jul 30, 2026. Each column of the statement tables below links to the filing it was taken from, and every filing is listed on the UMBFO SEC filings page.

Umb Finl Corp (UMBFO) reported $3.5B in revenue over the twelve months to Jun 30, 2026, up 29.7% from the prior twelve months. 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).

Rhea AI UMBFO FY2025 2026-08-29

Balance-sheet expansion, rather than margin change, dominates: capital grew faster than returns while cash conversion recovered sharply.

The key earnings-quality shift was weak cash realization in FY2024: operating cash flow was only $225M against $441M of net income. By FY2025, operating cash flow reached $1.03B versus $702M of net income, indicating that reported earnings converted into cash more fully.

The balance-sheet expansion was substantial: assets reached $73.1B while liabilities reached $65.4B in FY2025. Equity climbed to $7.69B as debt-to-equity fell to 0.1x, so growth did not translate into greater debt leverage relative to book capital.

Goodwill rose from $207M in FY2024 to $1.84B in FY2025, making the asset expansion more intangible-heavy and complicating any reading of growth as purely operating capacity. ROE declined from 12.7% to 9.1%, showing that the enlarged equity base produced lower returns per equity dollar despite higher net income.

Financial Health Signals

Financial health score not available

Umb Finl Corp does not currently provide enough eligible data for a peer-relative financial health score, so none is published. The signals and metrics below are current.

Piotroski F-Score Partial

6/7

Umb Finl Corp 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.

Earnings Quality Cash-Backed

1.46x

For every $1 of reported earnings, Umb Finl Corp 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

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Earnings & Revenue

Revenue

$871.4M

YoY+2.4%

QoQ+0.5%

5Y CAGR+32.6%

10Y CAGR+21.2%

Umb Finl Corp generated $871.4M in revenue in Q2 2026. This represents an increase of 2.4% from the same quarter a year earlier. Against the prior quarter it is up 0.5%.

Net Income

$277.6M

YoY+27.7%

QoQ+6.2%

5Y CAGR+26.0%

Umb Finl Corp reported $277.6M in net income in Q2 2026. This represents an increase of 27.7% from the same quarter a year earlier. Against the prior quarter it is up 6.2%.

EPS (Diluted)

$3.56

YoY+26.2%

QoQ+6.3%

5Y CAGR+14.7%

10Y CAGR+16.7%

Umb Finl Corp earned $3.56 per diluted share (EPS) in Q2 2026. This represents an increase of 26.2% from the same quarter a year earlier. Against the prior quarter it is up 6.3%.

EBITDA

Not reported for Q2 2026.

Cash & Balance Sheet

Free Cash Flow

$330.8M

YoY+22.2%

QoQ-7.3%

5Y CAGR+44.8%

10Y CAGR+21.9%

Umb Finl Corp generated $330.8M in free cash flow in Q2 2026, representing cash available after capex. This represents an increase of 22.2% from the same quarter a year earlier. Against the prior quarter it is down 7.3%.

Cash & Debt

$5.6B

YoY-49.0%

QoQ-10.4%

5Y CAGR+0.6%

10Y CAGR+24.5%

Umb Finl Corp held $5.6B in cash against $480.1M in long-term debt as of Q2 2026.

Dividends Per Share

$0.43

YoY+7.5%

QoQ0.0%

5Y CAGR+6.1%

10Y CAGR+5.8%

Umb Finl Corp paid $0.43 per share in dividends in Q2 2026. This represents an increase of 7.5% from the same quarter a year earlier. It is unchanged from the prior quarter.

Shares Outstanding

76M

YoY0.0%

QoQ0.0%

5Y CAGR+9.5%

10Y CAGR+4.4%

Umb Finl Corp had 76M shares outstanding in Q2 2026. That is unchanged from the same quarter a year earlier. It is unchanged from the prior quarter.

Margins & Returns

Net Margin

31.9%

YoY+6.3pp

QoQ+1.7pp

5Y CAGR-9.3pp

Umb Finl Corp's net profit margin was 31.9% in Q2 2026, showing the share of revenue converted to profit. This is up 6.3 percentage points from the same quarter a year earlier. Against the prior quarter it is up 1.7 percentage points.

Return on Equity

3.5%

YoY+0.5pp

QoQ+0.1pp

5Y CAGR+0.6pp

Umb Finl Corp's ROE was 3.5% in Q2 2026, measuring profit generated per dollar of shareholder equity. This is up 0.5 percentage points from the same quarter a year earlier. Against the prior quarter it is up 0.1 percentage points.

Gross Margin

Not reported for Q2 2026.

Operating Margin

Not reported for Q2 2026.

Capital Allocation

Share Buybacks

$5.1M

YoY+1654.1%

QoQ-84.5%

5Y CAGR+142.2%

10Y CAGR+21.9%

Umb Finl Corp spent $5.1M on share buybacks in Q2 2026, returning capital to shareholders by reducing shares outstanding. This represents an increase of 1654.1% from the same quarter a year earlier. Against the prior quarter it is down 84.5%.

Capital Expenditures

$18.5M

YoY+26.4%

QoQ+308.7%

5Y CAGR+14.4%

10Y CAGR+7.4%

Umb Finl Corp invested $18.5M in capex in Q2 2026, funding long-term assets and infrastructure. This represents an increase of 26.4% from the same quarter a year earlier. Against the prior quarter it is up 308.7%.

R&D Spending

Not reported for Q2 2026.

UMBFO Income Statement

Figures in USD, abbreviated K (thousand), M (million), B (billion), T (trillion). Negative values carry a minus sign and red type. Each change compares the year with the year before it, and each quarter with the same quarter a year earlier.

UMBFO quarterly income statement

Metric	TTM	FY2510-K	FY2410-K	FY2310-K	FY2210-K	FY2110-K	FY2010-K	FY1910-K	FY1810-K	FY1710-K	FY1610-K	FY1510-K	FY1410-K	FY1310-K	FY1210-K	FY1110-K
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 (Basic)	N/A	$9.35+3.3%	$9.05+25.3%	$7.22-19.1%	$8.93+22.2%	$7.31+22.9%	$5.95+19.2%	$4.99+25.7%	$3.97-20.9%	$5.02+54.5%	$3.25+32.1%	$2.46-8.6%	$2.69-17.2%	$3.25+5.9%	$3.07+15.4%	$2.66
EPS (Diluted)	$12.03	$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
Diluted Shares (Avg)	N/A	74M	49M+0.6%	49M0.0%	49M0.0%	49M+0.8%	48M-1.5%	49M-1.4%	50M-0.1%	50M+1.1%	49M+3.6%	48M+4.7%	45M+8.6%	42M+3.5%	40M+0.3%	40M

Metric	Q2'2610-Q	Q1'2610-Q	Q4'2510-Q	Q3'2510-Q	Q2'2510-Q	Q1'2510-Q	Q4'2410-K	Q3'2410-Q
Revenue	$871.4M+2.4%	$867.1M+17.5%	$886.9M+59.8%	$878.9M+57.6%	$850.5M+58.0%	$738.0M+41.9%	$555.0M+11.8%	$557.7M+18.2%
SG&A Expenses	$227.2M+6.4%	$219.7M-0.8%	$228.6M+41.9%	$220.3M+49.9%	$213.6M+49.5%	$221.4M+54.8%	$161.1M+20.0%	$147.0M+10.2%
Interest Expense	$338.8M-11.6%	$332.7M-2.2%	$364.4M+27.4%	$403.9M+30.1%	$383.5M+30.8%	$340.3M+21.3%	$286.0M+7.5%	$310.3M+24.3%
Income Tax	$72.8M+26.3%	$69.8M+496.0%	$55.0M+121.3%	$48.2M+85.4%	$57.6M+125.5%	$11.7M-50.4%	$24.8M+151.3%	$26.0M+15.0%
Net Income	$277.6M+27.7%	$261.4M+221.4%	$215.4M+79.5%	$188.3M+71.8%	$217.4M+114.5%	$81.3M-26.2%	$120.0M+69.2%	$109.6M+13.6%
EPS (Basic)	$3.58+26.1%	$3.36+175.4%	$2.78+13.0%	$2.38+5.8%	$2.84+36.5%	$1.22-46.3%	$2.46+68.5%	$2.25+13.1%
EPS (Diluted)	$3.56+26.2%	$3.35+176.9%	$2.76	$2.36	$2.82	$1.21-46.2%	$2.43+67.6%	$2.23+12.6%
Diluted Shares (Avg)	76M+0.2%	76M+16.6%	N/A	76M	76M	65M+33.9%	N/A	49M+0.6%

Not reported in any period shown, so not listed: Cost of Revenue, Gross Profit, R&D Expenses, Operating Income, EBITDA.

UMBFO Balance Sheet

UMBFO quarterly balance sheet

Metric	FY2510-K	FY2410-K	FY2310-K	FY2210-K	FY2110-K	FY2010-K	FY1910-K	FY1810-K	FY1710-K	FY1610-K	FY1510-K	FY1410-K	FY1310-K	FY1210-K	FY1110-K
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
Short-Term Investments	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0
Long-Term Investments	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0
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

Metric	Q2'2610-Q	Q1'2610-Q	Q4'2510-Q	Q3'2510-Q	Q2'2510-Q	Q1'2510-Q	Q4'2410-K	Q3'2410-Q
Total Assets	$72.3B+0.7%	$72.7B+4.8%	$73.1B+45.0%	$71.9B+51.3%	$71.8B+61.4%	$69.3B+52.9%	$50.4B+14.5%	$47.5B+14.5%
Cash & Equivalents	$5.6B-49.0%	$6.3B-41.0%	$7.8B-8.0%	$8.8B+21.5%	$11.0B+119.2%	$10.6B+52.8%	$8.4B+52.8%	$7.3B+85.3%
Short-Term Investments	$0	$0	$0	$0	$0	$0	$0	$0
Long-Term Investments	$0	$0	$0	$0	$0	$0	$0	$0
Goodwill	$1.8B+1.4%	$1.8B+2.2%	$1.8B+787.2%	$1.8B+785.0%	$1.8B+774.1%	$1.8B+767.2%	$207.4M0.0%	$207.4M0.0%
Total Liabilities	$64.2B-0.4%	$64.8B+3.6%	$65.4B+39.3%	$64.4B+46.6%	$64.5B+56.3%	$62.6B+48.4%	$46.9B+14.7%	$44.0B+13.7%
Long-Term Debt	$480.1M-27.0%	$477.2M-27.1%	$474.2M+23.1%	$471.3M+22.5%	$657.3M+71.1%	$654.4M+70.5%	$385.3M+0.5%	$384.8M+0.5%
Total Equity	$8.0B+10.2%	$7.8B+16.0%	$7.7B+121.9%	$7.4B+110.5%	$7.3B+125.8%	$6.7B+114.0%	$3.5B+11.8%	$3.5B+26.0%
Retained Earnings	$4.2B+23.1%	$4.0B+22.8%	$3.7B+17.7%	$3.6B+15.8%	$3.4B+14.3%	$3.2B+11.1%	$3.2B+13.0%	$3.1B+11.4%

Not reported in any period shown, so not listed: Current Assets, Inventory, Accounts Receivable, Current Liabilities, Non-Current Liabilities.

UMBFO Cash Flow Statement

UMBFO quarterly cash flow statement

Metric	TTM	FY2510-K	FY2410-K	FY2310-K	FY2210-K	FY2110-K	FY2010-K	FY1910-K	FY1810-K	FY1710-K	FY1610-K	FY1510-K	FY1410-K	FY1310-K	FY1210-K	FY1110-K
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
Depreciation & Amortization	N/A	$141.8M+168.7%	$52.8M-10.1%	$58.7M+8.7%	$54.0M-3.1%	$55.7M-11.2%	$62.8M+11.6%	$56.3M+5.9%	$53.1M-3.2%	$54.9M+0.6%	$54.6M+3.4%	$52.8M+13.8%	$46.4M+4.8%	$44.2M+8.3%	$40.8M-4.9%	$42.9M
Stock-Based Compensation	N/A	$37.7M+67.2%	$22.6M+20.8%	$18.7M-13.0%	$21.5M+1.3%	$21.2M+40.3%	$15.1M+1.8%	$14.8M+34.1%	$11.1M-16.8%	$13.3M+13.5%	$11.7M+9.2%	$10.8M+11.3%	$9.7M+15.2%	$8.4M+17.1%	$7.2M+10.0%	$6.5M
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

Metric	Q2'2610-Q	Q1'2610-Q	Q4'2510-Q	Q3'2510-Q	Q2'2510-Q	Q1'2510-Q	Q4'2410-K	Q3'2410-Q
Operating Cash Flow	$349.3M+22.4%	$361.3M-0.5%	$106.1M+258.6%	$272.2M+120.2%	$285.4M+154.0%	$363.0M+546.6%	-$66.9M-178.7%	$123.6M-46.8%
Depreciation & Amortization	$35.1M-7.5%	$35.1M+19.5%	$37.4M+194.1%	$37.0M+185.9%	$38.0M+185.8%	$29.4M+112.5%	$12.7M-10.1%	$12.9M-10.8%
Stock-Based Compensation	N/A	$13.4M+4.6%	N/A	N/A	N/A	$12.8M+157.9%	N/A	N/A
Capital Expenditures	$18.5M+26.4%	$4.5M-48.8%	$10.8M+5.7%	$14.4M+235.2%	$14.6M+362.4%	$8.8M+271.3%	$10.2M+36257.1%	$4.3M-28.9%
Free Cash Flow	$330.8M+22.2%	$356.8M+0.7%	$95.3M+223.7%	$257.8M+116.0%	$270.8M+148.0%	$354.2M+558.8%	-$77.1M-190.7%	$119.4M-47.2%
Investing Cash Flow	-$276.4M+86.2%	-$1.3B-303.5%	-$2.1B-24.7%	-$2.1B-264.3%	-$2.0B-79.3%	$663.2M+318.7%	-$1.7B-149.4%	-$588.3M-307.0%
Financing Cash Flow	-$724.3M-134.5%	-$522.2M-146.0%	$967.0M-67.3%	-$283.7M-110.4%	$2.1B+326.8%	$1.1B-5.4%	$3.0B+34.1%	$2.7B+2626.8%
Dividends Paid	$38.5M+18.9%	$39.6M+31.5%	$40.6M+108.0%	$32.5M+69.5%	$32.4M+59.5%	$30.1M+58.4%	$19.5M+3.1%	$19.2M+3.2%
Share Buybacks	$5.1M+1654.1%	$32.8M+112.6%	$79K	$1.8M+808.0%	$290K	$15.4M+104.8%	$0-100.0%	$201K+3.6%

UMBFO Financial Ratios

Margins and returns are percentages; the remaining ratios are unitless multiples. Each change compares the year with the year before it, and each quarter with the same quarter a year earlier.

UMBFO quarterly financial ratios

Metric	FY2510-K	FY2410-K	FY2310-K	FY2210-K	FY2110-K	FY2010-K	FY1910-K	FY1810-K	FY1710-K	FY1610-K	FY1510-K	FY1410-K	FY1310-K	FY1210-K	FY1110-K
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
Asset Turnover	0.050.0x	0.040.0x	0.040.0x	0.030.0x	0.020.0x	0.020.0x	0.030.0x	0.030.0x	0.030.0x	0.030.0x	0.020.0x	0.020.0x	0.020.0x	0.020.0x	0.03
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%

Metric	Q2'2610-Q	Q1'2610-Q	Q4'2510-Q	Q3'2510-Q	Q2'2510-Q	Q1'2510-Q	Q4'2410-K	Q3'2410-Q
Net Margin	31.9%+6.3pp	30.1%+19.1pp	24.3%+2.7pp	21.4%+1.8pp	25.6%+6.7pp	11.0%-10.2pp	21.6%+7.3pp	19.7%-0.8pp
Return on Equity	3.5%+0.5pp	3.3%+2.1pp	2.8%-0.7pp	2.5%-0.6pp	3.0%-0.2pp	1.2%-2.3pp	3.5%+1.2pp	3.1%-0.3pp
Return on Assets	0.4%+0.1pp	0.4%+0.2pp	0.3%+0.1pp	0.3%0.0pp	0.3%+0.1pp	0.1%-0.1pp	0.2%+0.1pp	0.2%0.0pp
Debt-to-Equity	0.060.0x	0.060.0x	0.060.0x	0.060.0x	0.090.0x	0.100.0x	0.110.0x	0.110.0x
Asset Turnover	0.010.0x	0.010.0x	0.010.0x	0.010.0x	0.010.0x	0.010.0x	0.010.0x	0.010.0x
FCF Margin	38.0%+6.1pp	41.1%-6.9pp	10.8%+24.6pp	29.3%+7.9pp	31.8%+11.6pp	48.0%+37.7pp	-13.9%-31.0pp	21.4%-26.5pp

Not reported in any period shown, so not listed: Gross Margin, Operating Margin, Current Ratio.

Where Umb Finl Corp Ranks

Frequently Asked Questions

What is Umb Finl Corp's annual revenue?

Umb Finl Corp (UMBFO) 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 Finl Corp's revenue growing?

Umb Finl Corp (UMBFO) revenue grew by 54.5% year-over-year, from $2.2B to $3.4B in fiscal year 2025.

Is Umb Finl Corp profitable?

Yes, Umb Finl Corp (UMBFO) reported a net income of $702.4M in fiscal year 2025, with a net profit margin of 20.9%.

How much debt does Umb Finl Corp have?

As of fiscal year 2025, Umb Finl Corp (UMBFO) had $7.8B in cash and equivalents against $474.2M in long-term debt.

What is Umb Finl Corp's net profit margin?

Umb Finl Corp (UMBFO) 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 Finl Corp pay dividends?

Yes, Umb Finl Corp (UMBFO) paid $1.63 per share in dividends during fiscal year 2025.

What is Umb Finl Corp's return on equity (ROE)?

Umb Finl Corp (UMBFO) 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 Finl Corp's free cash flow?

Umb Finl Corp (UMBFO) 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 Finl Corp's operating cash flow?

Umb Finl Corp (UMBFO) generated $1.0B in operating cash flow during fiscal year 2025, representing cash generated from core business activities.

What are Umb Finl Corp's total assets?

Umb Finl Corp (UMBFO) had $73.1B in total assets as of fiscal year 2025, including both current and long-term assets.

What are Umb Finl Corp's capital expenditures?

Umb Finl Corp (UMBFO) invested $48.6M in capital expenditures during fiscal year 2025, funding long-term assets and infrastructure.

Does Umb Finl Corp buy back shares?

Yes, Umb Finl Corp (UMBFO) spent $17.6M on share buybacks during fiscal year 2025, returning capital to shareholders by reducing shares outstanding.

How many shares does Umb Finl Corp have outstanding?

Umb Finl Corp (UMBFO) had 76M shares outstanding as of fiscal year 2025.

What is Umb Finl Corp's debt-to-equity ratio?

Umb Finl Corp (UMBFO) 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 Finl Corp's return on assets (ROA)?

Umb Finl Corp (UMBFO) 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 Finl Corp's Piotroski F-Score?

Umb Finl Corp (UMBFO) 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 Finl Corp's earnings high quality?

Umb Finl Corp (UMBFO) 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.