Company research
UMB FINANCIAL CORP
CIK 101382Updated Sep 26, 2026
Name history
UNITED MISSOURI BANCSHARES INC · through Mar 3, 1995
UMBF price & chart
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NASDAQ:UMBF on TradingView ↗About the company
UMB Financial Corporation (together with its consolidated subsidiaries, unless the context requires otherwise, the “Company”) is a financial holding company that is headquartered in Kansas City, Missouri. The Company provides banking services and asset servicing to its customers in the United States and around the globe.
In the news
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Recent filings
4 filing
4 filing
Regulation FD Disclosure
Items 7.01, 9.01
144 filing
144 filing
Show 5 more recent filings
Financials
FY 2025 · USDSource
Source
Source
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balance sheet · annual statements
| Line item | FY 2025 | FY 2024 | FY 2023 | FY 2022 |
|---|---|---|---|---|
| ASSETS | ||||
| AssetsUSD | 73,094,090,000Source | 50,409,664,000Source | 44,011,674,000Source | 38,512,461,000Source |
| Property, Plant and Equipment, NetUSD | 398,271,000Source | 221,773,000Source | 241,700,000Source | 263,649,000Source |
| GoodwillUSD | 1,839,825,000Source | 207,385,000Source | 207,385,000Source | 207,385,000Source |
| Current assets: | ||||
| Cash and Cash Equivalents, at Carrying ValueUSD | 7,771,973,000Source | 8,448,691,000Source | 5,528,258,000Source | 1,557,874,000Source |
| Operating Lease, Right-of-Use AssetUSD | 63,500,000Source | 47,600,000Source | 50,000,000Source | 54,600,000Source |
| LIABILITIES AND EQUITY | ||||
| LiabilitiesUSD | 65,400,522,000Source | 46,943,123,000Source | 40,911,255,000Source | 35,845,368,000Source |
| Stockholders’ equity: | ||||
| Preferred Stock, Value, IssuedUSD | 294,066,000Source | — | — | — |
| Common Stock, Value, IssuedUSD | 78,666,000Source | 55,057,000Source | 55,057,000Source | 55,057,000Source |
| Retained Earnings (Accumulated Deficit)USD | 3,736,413,000Source | 3,174,948,000Source | 2,810,824,000Source | 2,536,086,000Source |
| Accumulated Other Comprehensive Income (Loss), Net of TaxUSD | -261,520,000Source | -573,050,000Source | -556,935,000Source | -702,735,000Source |
| Stockholders' Equity Attributable to ParentUSD | 7,693,568,000Source | 3,466,541,000Source | 3,100,419,000Source | 2,667,093,000Source |
| Additional Paid in Capital, Common StockUSD | 4,011,047,000Source | 1,145,638,000Source | 1,134,363,000Source | 1,125,949,000Source |
| Liabilities and EquityUSD | 73,094,090,000Source | 50,409,664,000Source | 44,011,674,000Source | 38,512,461,000Source |
| Additional Financial Items | ||||
| Cash, Cash Equivalents, and Short-term InvestmentsUSD | 9,441,175,000Source | 9,104,445,000Source | 5,852,347,000Source | 2,638,384,000Source |
| Long-term DebtUSD | 474,229,000Source | 385,292,000Source | 383,247,000Source | 381,311,000Source |
cash flow · annual statements
| Line item | FY 2025 | FY 2024 | FY 2023 | FY 2022 |
|---|---|---|---|---|
| Cash flows from operating activities: | ||||
| Adjustments to reconcile net income to net cash provided by operating activities: | ||||
| Depreciation and amortization | — | — | — | — |
| Share-based Payment Arrangement, Noncash ExpenseUSD | 37,745,000Source | 22,579,000Source | 18,694,000Source | 21,491,000Source |
| Deferred Income Tax Expense (Benefit)USD | 82,825,000Source | -16,174,000Source | -20,439,000Source | -6,308,000Source |
| Net Cash Provided by (Used in) Operating ActivitiesUSD | 1,026,693,000Source | 225,286,000Source | 472,604,000Source | 769,554,000Source |
| Cash flows from investing activities: | ||||
| Net Cash Provided by (Used in) Investing ActivitiesUSD | -5,620,098,000Source | -3,262,501,000Source | -1,273,272,000Source | -3,845,385,000Source |
| Payments to Acquire Property, Plant, and EquipmentUSD | 48,584,000Source | 24,206,000Source | 26,910,000Source | 51,716,000Source |
| Cash flows from financing activities: | ||||
| Payments for Repurchase of Common StockUSD | 17,628,000Source | 7,738,000Source | 8,367,000Source | 31,997,000Source |
| Net Cash Provided by (Used in) Financing ActivitiesUSD | 3,916,687,000Source | 5,957,648,000Source | 4,771,052,000Source | -4,580,859,000Source |
| Dividends paid | — | — | — | — |
| Repayments of Long-term DebtUSD | 200,000,000Source | — | — | — |
| Cash, Cash Equivalents, Restricted Cash and Restricted Cash Equivalents, Period Increase (Decrease), Including Exchange Rate EffectUSD | -676,718,000Source | 2,920,433,000Source | 3,970,384,000Source | -7,656,690,000Source |
| Cash, Cash Equivalents, Restricted Cash and Restricted Cash EquivalentsUSD | 7,771,973,000Source | 8,448,691,000Source | 5,528,258,000Source | 1,557,874,000Source |
| Supplemental disclosure of cash flow information: | ||||
| Interest Paid, Excluding Capitalized Interest, Operating ActivitiesUSD | 1,466,097,000Source | 1,204,688,000Source | 844,397,000Source | 196,482,000Source |
| Income Taxes Paid, NetUSD | 63,242,000Source | 76,930,000Source | 79,334,000Source | 101,952,000Source |
| Additional Financial Items | ||||
| Amortization of Debt Issuance CostsUSD | 745,000Source | 876,000Source | 876,000Source | 556,000Source |
| Amortization of Intangible AssetsUSD | 93,521,000Source | 7,705,000Source | 8,587,000Source | 5,037,000Source |
| Cash, Cash Equivalents, and Short-term InvestmentsUSD | 9,441,175,000Source | 9,104,445,000Source | 5,852,347,000Source | 2,638,384,000Source |
| Debt and Equity Securities, Gain (Loss)USD | 30,967,000Source | 10,720,000Source | -3,139,000Source | 58,444,000Source |
| Equipment ExpenseUSD | 64,915,000Source | 63,406,000Source | 68,718,000Source | 74,259,000Source |
| Gain (Loss) on Disposition of AssetsUSD | -105,000Source | 3,197,000Source | 4,343,000Source | 3,063,000Source |
| Gain (Loss) on InvestmentsUSD | 30,967,000Source | 10,720,000Source | -3,139,000Source | 58,444,000Source |
| GoodwillUSD | 1,839,825,000Source | 207,385,000Source | 207,385,000Source | 207,385,000Source |
| Goodwill, Impairment LossUSD | 0Source | 0Source | 0Source | 0Source |
| Impairment of Intangible Assets, Finite-livedUSD | 0Source | 0Source | 0Source | 0Source |
| Income Tax Expense (Benefit)USD | 172,557,000Source | 100,030,000Source | 71,578,000Source | 100,329,000Source |
| Net Income (Loss) Attributable to ParentUSD | 702,398,000Source | 441,243,000Source | 350,024,000Source | 431,682,000Source |
| Net Income (Loss) Available to Common Stockholders, BasicUSD | 684,617,000Source | — | — | — |
| Operating Lease, ExpenseUSD | 16,600,000Source | 10,500,000Source | 11,100,000Source | 11,900,000Source |
| Proceeds from Issuance of Common StockUSD | 235,141,000Source | — | — | — |
| Proceeds from Issuance of Long-term DebtUSD | — | — | — | 110,000,000Source |
| Proceeds from Maturities, Prepayments and Calls of Debt Securities, Available-for-saleUSD | 1,661,802,000Source | 7,384,085,000Source | 1,204,346,000Source | 1,114,560,000Source |
| Provision for Loan, Lease, and Other LossesUSD | 154,500,000Source | 61,050,000Source | 41,227,000Source | 37,900,000Source |
| Financing Receivable, Credit Loss, Expense (Reversal)USD | 156,500,000Source | 62,000,000Source | 39,227,000Source | 37,400,000Source |
income statement · annual statements
| Line item | FY 2025 | FY 2024 | FY 2023 | FY 2022 |
|---|---|---|---|---|
| Income (Loss) from Continuing Operations before Income Taxes, Noncontrolling InterestUSD | 874,955,000Source | 541,273,000Source | 421,602,000Source | 532,011,000Source |
| Income Tax Expense (Benefit)USD | 172,557,000Source | 100,030,000Source | 71,578,000Source | 100,329,000Source |
| Net Income (Loss) Attributable to ParentUSD | 702,398,000Source | 441,243,000Source | 350,024,000Source | 431,682,000Source |
| Earnings Per Share, BasicUSD per share | 9.35Source | 9.05Source | 7.22Source | 8.93Source |
| Earnings Per Share, DilutedUSD per share | 9.29Source | 8.99Source | 7.18Source | 8.86Source |
| Weighted Average Number of Shares Outstanding, Basicshares | 73,259,082Source | 48,747,814Source | 48,503,643Source | 48,340,922Source |
| Weighted Average Number of Shares Outstanding, Dilutedshares | 73,670,643Source | 49,056,956Source | 48,763,820Source | 48,747,399Source |
| Additional Financial Items | ||||
| Amortization of Intangible AssetsUSD | 93,521,000Source | 7,705,000Source | 8,587,000Source | 5,037,000Source |
| Current Income Tax Expense (Benefit)USD | 89,732,000Source | 116,204,000Source | 92,017,000Source | 106,637,000Source |
| Debt and Equity Securities, Gain (Loss)USD | 30,967,000Source | 10,720,000Source | -3,139,000Source | 58,444,000Source |
| Depreciation, Depletion and Amortization, NonproductionUSD | 141,770,000Source | 52,771,000Source | 58,723,000Source | 54,022,000Source |
| Equipment ExpenseUSD | 64,915,000Source | 63,406,000Source | 68,718,000Source | 74,259,000Source |
| Gain (Loss) on InvestmentsUSD | 30,967,000Source | 10,720,000Source | -3,139,000Source | 58,444,000Source |
| Goodwill, Impairment LossUSD | 0Source | 0Source | 0Source | 0Source |
| Interest ExpenseUSD | — | — | 918,589,000Source | 223,723,000Source |
| InterestExpenseOperatingUSD | 1,492,075,000Source | 1,170,117,000Source | — | — |
| Interest Income (Expense), NetUSD | 1,862,205,000Source | 1,000,892,000Source | 920,116,000Source | 913,797,000Source |
| Labor and Related ExpenseUSD | 883,883,000Source | 593,913,000Source | 553,421,000Source | 524,431,000Source |
| Marketing and Advertising ExpenseUSD | 45,682,000Source | 28,439,000Source | 25,749,000Source | 25,699,000Source |
| Net Income (Loss) Available to Common Stockholders, BasicUSD | 684,617,000Source | — | — | — |
| Operating Lease, ExpenseUSD | 16,600,000Source | 10,500,000Source | 11,100,000Source | 11,900,000Source |
| Preferred Stock Dividends, Income Statement ImpactUSD | 17,781,000Source | — | — | — |
Offerings
Registration 333-286487
- Gross proceeds
- 300000000.0
- Net proceeds
- 295604000.0
- Deal price
- 25.0
- Shares
- 12000000
- Offering price
- $25.0000
- Ticker
- UMBFO
Filing attachments
umbf-ex99_1.htm · 8-K · 2026-07-28
EX-99.1 2 umbf-ex99_1.htm EX-99.1 EX-99.1 Exhibit 99.1 UMB Financial Corporation News Release 1010 Grand Boulevard Kansas City, MO 64106 816.860.7000 umb.com //FOR IMMEDIATE RELEASE// Media Contact: Stephanie Hollander: 816.729.1027 Investor Relations Contact: Kay Gregory: 816.860.7106 UMB Financial Corporation Reports Second Quarter 2026 Results Second Quarter 2026 Financial Highlights • GAAP net income available to common shareholders of $271.8 million, or $3.56 per diluted com…
Read attachment ↗umbf-ex99_2.htm · 8-K · 2026-07-28
EX-99.2 3 umbf-ex99_2.htm EX-99.2 2nd Quarter 2026 Update July 28, 2026 Presentation Index Corporate Overview & Investment Thesis 2nd Quarter 2026 Results Long-Term Performance Trends Appendix 3 11 28 38 46 Board of Directors Forward-Looking Statements Non-GAAP Reconciliations Please refer to the Forward-Looking Statements on slide 48 for important disclosures about information contained in this presentation. Select Financial Statements Purchase Accounting Update 8 Line of Business Updates …
Read attachment ↗umbf-ex99_1.htm · 8-K · 2026-04-28
EX-99.1 2 umbf-ex99_1.htm EX-99.1 EX-99.1 Exhibit 99.1 UMB Financial Corporation News Release 1010 Grand Boulevard Kansas City, MO 64106 816.860.7000 umb.com //FOR IMMEDIATE RELEASE// Media Contact: Stephanie Hollander: 816.729.1027 Investor Relations Contact: Kay Gregory: 816.860.7106 UMB Financial Corporation Reports First Quarter 2026 Results First Quarter 2026 Financial Highlights • GAAP net income available to common shareholders of $255.6 million, or $3.35 per diluted commo…
Read attachment ↗umbf-ex99_2.htm · 8-K · 2026-04-28
EX-99.2 3 umbf-ex99_2.htm EX-99.2 1st Quarter 2026 Update April 28, 2026 Presentation Index Corporate Overview & Investment Thesis 1st Quarter 2026 Results Long-Term Performance Trends Appendix 3 11 28 40 48 Board of Directors Forward-Looking Statements Non-GAAP Reconciliations Please refer to the Forward-Looking Statements on slide 50 for important disclosures about information contained in this presentation. Select Financial Statements Purchase Accounting Update 8 Line of Business Updates…
Read attachment ↗umbf-ex99_1.htm · 8-K · 2026-01-27
EX-99 2 umbf-ex99_1.htm EX-99.1 EX-99.1 Exhibit 99.1 UMB Financial Corporation News Release 1010 Grand Boulevard Kansas City, MO 64106 816.860.7000 umb.com //FOR IMMEDIATE RELEASE// Media Contact: Stephanie Hollander: 816.729.1027 Investor Relations Contact: Kay Gregory: 816.860.7106 UMB Financial Corporation Reports Fourth Quarter and Full-Year 2025 Results Fourth Quarter 2025 Financial Highlights • GAAP net income available to common shareholders of $209.5 million, or $2.74 per…
Read attachment ↗umbf-ex99_2.htm · 8-K · 2026-01-27
EX-99 3 umbf-ex99_2.htm EX-99.2 4th Quarter 2025 Update January 27, 2026 Presentation Index Corporate Overview & Investment Thesis 4th Quarter 2025 Results Long-Term Performance Trends Appendix 3 11 29 40 48 Board of Directors Forward-Looking Statements Non-GAAP Reconciliations Please refer to the Forward-Looking Statements on slide 50 for important disclosures about information contained in this presentation. Select Financial Statements Purchase Accounting Update 8 Line of Business Updates…
Read attachment ↗