UMBF
UMB FINANCIAL CORP
NASDAQ · Financial Services · Banks - Regional · US
$138.52
+1.79%Income statement
| Metric | TTM | 2025 | 2024 | 2023 | 2022 |
|---|---|---|---|---|---|
| Revenue | |||||
| Total Revenue | 4.2B | 4.4B | 2.6B | 2.2B | 1.6B |
| Cost of Revenue | 1.5B | 2.0B | 1.2B | 959.8M | 261.6M |
| Gross Profit | 2.7B | 2.4B | 1.4B | 1.3B | 1.3B |
| Operating Expenses | |||||
| R&D Expense | — | — | — | — | — |
| SG&A Expense | 1.1B | 1.1B | 622.4M | 579.2M | 550.1M |
| General & Admin Expense | 1.1B | 1.1B | 593.9M | 553.4M | 524.4M |
| Selling & Marketing Expense | 30.5M | 45.7M | 28.4M | 25.7M | 25.7M |
| Other Expenses | 489.7M | 373.5M | 242.2M | 283.9M | 239.4M |
| Total Operating Expenses | 1.6B | 1.5B | 864.5M | 863.1M | 789.5M |
| Cost and Expenses | 3.1B | 3.5B | 2.1B | 1.8B | 1.1B |
| Operating Income (EBIT) | 1.1B | 900.0M | 541.3M | 421.6M | 532.0M |
| Non-Operating | |||||
| Interest Income | 3.5B | 4.1B | 2.2B | 1.8B | 1.1B |
| Interest Expense | 1.4B | 1.5B | 1.2B | 918.6M | 223.7M |
| Net Interest Income | 2.1B | 2.6B | 1.0B | 920.1M | 913.8M |
| Other Non-Op Income/Expense | 179.8M | (25.0M) | — | — | — |
| Non-Operating Income (excl Interest) | (355.4M) | — | — | — | — |
| EBT (Pre-Tax Income) | 1.3B | 875.0M | 541.3M | 421.6M | 532.0M |
| Income Tax Expense | 261.5M | 172.6M | 100.0M | 71.6M | 100.3M |
| Bottom Line | |||||
| Net Income | 1.0B | 702.4M | 441.2M | 350.0M | 431.7M |
| Earnings from Cont. Ops | 1.0B | 702.4M | 441.2M | 350.0M | 431.7M |
| Earnings from Discont. Ops | — | — | — | — | — |
| Bottom Line Net Income | 1.0B | 684.6M | 441.2M | 350.0M | 431.7M |
| Per Share | |||||
| Basic EPS | $13.28 | $9.20 | $9.05 | $7.22 | $8.93 |
| Diluted EPS | $13.21 | $9.13 | $8.99 | $7.18 | $8.86 |
| Revenue Per Share | $55.26 | $58.53 | $54.09 | $46.27 | $32.75 |
| Shares | |||||
| Basic Shares Outstanding | 76.0M | 75.9M | 48.7M | 48.5M | 48.3M |
| Diluted Shares Outstanding | 76.5M | 76.5M | 49.1M | 48.8M | 48.7M |
| Profitability Metrics | |||||
| EBITDA | 1.6B | 1.0B | 594.0M | 480.3M | 586.0M |
| D&A | 107.6M | 141.8M | 52.8M | 58.7M | 54.0M |
| EBIT | 1.5B | 900.0M | 541.3M | 421.6M | 532.0M |
As reported, in the filing currency · TTM sums the four latest quarters; MRQ is the latest quarter · Negatives in parentheses; a dash is a line the filing does not carry · Data as of Sep 1, 2026