UMB Financial (UMBF) financial statements
UMB Financial reported revenue of $2.7B in fiscal 2025, up 12.8% a year over 9 years.
Net income was $702M.
Free cash flow was $978M, and the company returned $136M in dividends and $18M in net buybacks.
The diluted share count rose 50% over the period (dilution).
Revenue and free cash flow
Fiscal years, $ billions.
Income statement
Fiscal years, from UMB Financial's 10-K filings with the SEC.
| Fiscal year | 2016 | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | $898M | $982M | $1.0B | $1.1B | $1.3B | $1.3B | $1.5B | $1.5B | $1.6B | $2.7B |
| Interest expense | $28M | $58M | $122M | $192M | $77M | $46M | $224M | $919M | — | — |
| Pre-tax income | $199M | $236M | $224M | $286M | $339M | $429M | $532M | $422M | $541M | $875M |
| Income tax | $45M | $53M | $27M | $42M | $52M | $76M | $100M | $72M | $100M | $173M |
| Net income | $159M | $247M | $196M | $244M | $287M | $353M | $432M | $350M | $441M | $702M |
| EPS (diluted) | $3.22 | $4.96 | $3.93 | $4.96 | $5.93 | $7.24 | $8.86 | $7.18 | $8.99 | $9.29 |
| Diluted shares | 49M | 50M | 50M | 49M | 48M | 49M | 49M | 49M | 49M | 74M |
| Net margin | 17.7% | 25.2% | 19.3% | 22.2% | 22.2% | 27.5% | 29.4% | 23.9% | 27.1% | 26.5% |
Balance sheet
Fiscal years, from UMB Financial's 10-K filings with the SEC.
| Fiscal year | 2016 | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|---|---|---|---|---|---|
| Cash and short-term investments | $1.5B | $1.9B | $2.3B | $3.3B | $5.2B | $10.5B | $2.6B | $5.9B | $9.1B | $9.4B |
| Property, plant and equipment | $289M | $276M | $284M | $300M | $293M | $271M | $264M | $242M | $222M | $398M |
| Goodwill | $181M | $181M | $181M | $181M | $181M | $175M | $207M | $207M | $207M | $1.8B |
| Total assets | $20.7B | $21.8B | $23.4B | $26.6B | $33.1B | $42.7B | $38.5B | $44.0B | $50.4B | $73.1B |
| Total liabilities | $18.7B | $19.6B | $21.1B | $24.0B | $30.1B | $39.5B | $35.8B | $40.9B | $46.9B | $65.4B |
| Shareholders' equity | $2.0B | $2.2B | $2.2B | $2.6B | $3.0B | $3.1B | $2.7B | $3.1B | $3.5B | $7.7B |
| Net debt | -$1.1B | -$1.7B | -$1.7B | -$1.7B | -$3.5B | -$9.2B | -$1.6B | -$5.5B | -$8.4B | -$7.8B |
Cash flow
Fiscal years, from UMB Financial's 10-K filings with the SEC.
| Fiscal year | 2016 | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|---|---|---|---|---|---|
| Operating cash flow | $296M | $327M | $296M | $340M | $374M | $534M | $770M | $473M | $225M | $1.0B |
| Capital spending | $51M | $36M | $58M | $72M | $60M | $34M | $52M | $23M | $20M | $49M |
| Free cash flow | $246M | $290M | $238M | $268M | $313M | $500M | $718M | $450M | $205M | $978M |
| Stock-based compensation | $12M | $13M | $11M | $15M | $15M | $21M | $21M | $19M | $23M | $38M |
| Dividends paid | $49M | $52M | $58M | $59M | $60M | $67M | $72M | $74M | $77M | $136M |
| Share buybacks (net) | -$16M | -$15M | -$77M | -$4M | -$64M | -$6M | -$32M | -$8M | -$8M | -$18M |
| Net borrowing | -$15M | $1M | $2M | $14M | $200M | — | $110M | — | — | -$200M |
| Free cash flow margin | 27.4% | 29.5% | 23.5% | 24.4% | 24.3% | 39.0% | 48.9% | 30.7% | 12.6% | 36.9% |
| Dividends per share | $1.00 | $1.04 | $1.17 | $1.21 | $1.25 | $1.37 | $1.48 | $1.52 | $1.57 | $1.84 |
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Open UMBF in InvestinglyQuestions
What was UMB Financial's revenue in 2025?
$2.7B in fiscal 2025, from its 10-K filing.
How much free cash flow does UMB Financial generate?
$978M in fiscal 2025 (operating cash flow minus capital spending).
From UMB Financial's annual reports filed with the SEC (XBRL data), standardised by Investingly. Information only, not investment advice.