UMBF
UMB Financial Corporation
NASDAQ: UMBF · FINANCIAL SERVICES · BANKS - REGIONAL
$124.22
-0.90% today
Updated 2026-04-29
Market cap
$9.44B
P/E ratio
10.87
P/S ratio
3.78x
EPS (TTM)
$11.43
Dividend yield
—
52W range
$96 – $136
Volume
0.6M
UMB Financial Corporation (UMBF) Financial statements
SEC filings — annual and quarterly data.
Income statement — annual
| Item | 2006 | 2007 | 2008 | 2009 | 2010 | 2011 | 2012 | 2013 | 2014 | 2015 | 2016 | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | $624.03M | $703.20M | $700.76M | $666.39M | $644.66M | $692.40M | $728.46M | $807.60M | $786.92M | $744.90M | $868.78M | $978.67M | $1.07B | $1.22B | $1.30B | $1.24B | $1.58B | $2.24B | $2.64B | $4.44B |
| Revenue growth (YoY) | — | +12.7% | -0.3% | -4.9% | -3.3% | +7.4% | +5.2% | +10.9% | -2.6% | -5.3% | +16.6% | +12.6% | +9.2% | +14.1% | +6.2% | -4.1% | +27.5% | +41.8% | +17.5% | +68.5% |
| Cost of revenue | $160.59M | $191.06M | $130.77M | $85.33M | $67.40M | $48.88M | $37.13M | $32.57M | $30.82M | $34.11M | $60.21M | $99.00M | $192.26M | $224.84M | $207.76M | $66.00M | $261.62M | $959.82M | $1.23B | $2.03B |
| Gross profit | $463.44M | $512.14M | $569.98M | $581.06M | $577.26M | $643.52M | $691.33M | $731.43M | $756.10M | $710.79M | $808.57M | $879.67M | $876.90M | $994.88M | $1.09B | $1.18B | $1.32B | $1.28B | $1.41B | $2.42B |
| Gross margin | 74.3% | 72.8% | 81.3% | 87.2% | 89.5% | 92.9% | 94.9% | 90.6% | 96.1% | 95.4% | 93.1% | 89.9% | 82.0% | 81.6% | 84.0% | 94.7% | 83.5% | 57.2% | 53.3% | 54.4% |
| R&D | — | — | — | — | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | — | — | — | — | — | — | — |
| SG&A | $193.98M | $230.32M | $252.16M | $261.06M | $299.50M | $327.32M | $350.34M | $369.21M | $389.43M | $397.72M | $422.77M | $446.53M | $447.89M | $491.63M | $521.28M | $504.44M | $524.43M | $553.42M | $593.91M | $1.10B |
| Operating income | $81.22M | $104.97M | $139.83M | $120.48M | $126.85M | $146.36M | $170.22M | $259.83M | $258.35M | $128.29M | $198.59M | $236.35M | $223.59M | $285.96M | $338.89M | $429.06M | $532.01M | $421.60M | $541.27M | $899.96M |
| Operating margin | 13.0% | 14.9% | 20.0% | 18.1% | 19.7% | 21.1% | 23.4% | 32.2% | 32.8% | 17.2% | 22.9% | 24.1% | 20.9% | 23.4% | 26.2% | 34.5% | 33.6% | 18.8% | 20.5% | 20.3% |
| EBITDA | $115.74M | $142.36M | $125.84M | $120.48M | $166.23M | $189.29M | $211.07M | $228.62M | $178.31M | $181.04M | $253.15M | $291.22M | $276.71M | $342.27M | $401.69M | $484.81M | $586.03M | $480.32M | $594.04M | $1.06B |
| EBITDA margin | 18.5% | 20.2% | 18.0% | 18.1% | 25.8% | 27.3% | 29.0% | 28.3% | 22.7% | 24.3% | 29.1% | 29.8% | 25.9% | 28.1% | 31.0% | 39.0% | 37.0% | 21.4% | 22.5% | 23.9% |
| EBIT | $82.02M | $104.97M | $141.48M | $121.79M | $126.85M | $146.36M | $170.20M | $184.40M | $166.06M | $128.29M | $198.59M | $236.35M | $223.55M | $285.96M | $338.89M | $429.06M | $532.01M | $421.60M | $541.27M | $899.96M |
| Interest expense | $151.86M | $181.73M | $112.92M | $53.23M | $35.89M | $26.68M | $19.63M | $15.07M | $13.82M | $18.61M | $27.71M | $58.00M | $121.52M | $191.99M | $77.26M | $46.00M | $223.72M | $918.59M | $1.17B | $1.49B |
| Income tax | $22.25M | $30.76M | $41.76M | $30.99M | $35.85M | $39.89M | $47.51M | $50.43M | $45.41M | $31.73M | $44.95M | $53.37M | $27.33M | $42.37M | $52.39M | $76.04M | $100.33M | $71.58M | $100.03M | $172.56M |
| Effective tax rate | 27.1% | 29.3% | 29.9% | 25.7% | 28.3% | 27.3% | 27.9% | 27.4% | 27.3% | 21.5% | 22.1% | 17.8% | 12.3% | 14.8% | 15.5% | 17.7% | 18.9% | 17.0% | 18.5% | 19.7% |
| Net income | $59.77M | $74.21M | $98.08M | $89.48M | $91.00M | $106.47M | $122.72M | $133.97M | $120.66M | $116.07M | $158.80M | $247.10M | $195.51M | $243.60M | $286.50M | $353.02M | $431.68M | $350.02M | $441.24M | $702.40M |
| Net income growth (YoY) | — | +24.2% | +32.2% | -8.8% | +1.7% | +17.0% | +15.3% | +9.2% | -9.9% | -3.8% | +36.8% | +55.6% | -20.9% | +24.6% | +17.6% | +23.2% | +22.3% | -18.9% | +26.1% | +59.2% |
| Profit margin | 9.6% | 10.6% | 14.0% | 13.4% | 14.1% | 15.4% | 16.8% | 16.6% | 15.3% | 15.6% | 18.3% | 25.2% | 18.3% | 20.0% | 22.1% | 28.4% | 27.3% | 15.6% | 16.7% | 15.8% |