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UMB Financial

UMBF Nasdaq Regional Banks Financials FY2016–FY2025

UMB Financial's revenue rose 62.8% to $2.7 billion in fiscal 2025. Net income was $702 million, up 59.2%. Its return on equity was 12.6%, down from 13.4% a year earlier. Its efficiency ratio was 61.2%, down from 63.0% a year earlier. It paid out $153 million in dividends and buybacks. The diluted share count rose 50.2%.

Last close · Oct 23, 2026

$135.51

0.5%
Value it Compare
Revenue Total sales reported in the income statement.
$2.7B
62.8% vs prior year
Efficiency ratio Noninterest expense as a share of revenue. Lower is better for banks.
61.2%
1.8 pts
Net income Profit after all expenses, interest and tax.
$702M
59.2%
Return on equity Net income as a share of average shareholders' equity.
12.6%
0.8 pts
Market cap Last close times the latest diluted share count, so it is approximate.
$10.0B
Oct 23 close
P/E Last close divided by diluted earnings per share over the last four quarters.
11.3x
On $12.03 EPS (TTM)

What UMB Financial does

No business description yet.

Legal name
UMB FINANCIAL CORP
Fiscal year ends
December 31, 2025
Latest annual report
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Accession · CIK
0001193125-26-076496
0000101382

Revenue and margins

UMB Financial had $2.7B of revenue in fiscal 2025, up 62.8% on the year before.

Revenue
Revenue
Net interest income share and efficiency ratio
Net interest share Efficiency ratio
Net interest income share and efficiency ratio
Net interest share Efficiency ratio

Net income and earnings per share

From fiscal 2016 to 2025, diluted EPS grew 12.5% a year. Loss periods are shown in red.

Net income
Net income
Diluted EPS
Diluted EPS

Returns and efficiency

For banks, return on equity and the efficiency ratio (costs as a share of revenue) say most about how well the business runs.

Return on equity, return on tangible equity and efficiency ratio
ROE ROTE Efficiency ratio

Dividends, buybacks and share count

UMB Financial returned $153M to shareholders in fiscal 2025. The diluted share count rose 50.2%.

Dividends and buybacks
Dividends Buybacks
Dividends and buybacks
Dividends Buybacks
Diluted shares outstanding (annual)

Value UMB Financial yourself

Change the assumptions and see what they imply per share. These are models, not forecasts or price targets — the answer depends entirely on what you put in.

Earnings multiple

Value per share

—

Reference multiples: today 11.3x · peers 12.4x · sector 13.7x.

Balance sheet

Loans, deposits and capital at each fiscal year end.

Loans and deposits
Loans Deposits
Fiscal year endFY21FY22FY23FY24FY25
Loans, net $17.0B$20.8B$23.0B——
Deposits $35.6B$32.6B$35.8B$43.1B$60.7B
Loans / deposits 47.7%63.9%64.1%——
Total assets $42.7B$38.5B$44.0B$50.4B$73.1B
Shareholders' equity $3.1B$2.7B$3.1B$3.5B$7.7B
Goodwill $175M$207M$207M$207M$1.8B
Intangible assets $0.0M$0.0M$0.0M$0.0M$0.0M
Provision / loans 0.1%0.2%0.2%——

Insider trades

Open-market purchases and sales by officers, directors and 10% owners, from Form 4 filings. 'Plan' marks trades under a pre-arranged Rule 10b5-1 plan.

Bought, 12 months

$0.1M

2 insiders

Sold, 12 months

$5.5M

9 insiders

Of sales under plans

0%

$0.0M

DateInsiderTradeSharesPriceValueFiling
Sep 1, 2026 Greg M GravesDirector Bought 573 $139.60 $0.1M Form 4
Sep 1, 2026 Tamara PetermanDirector Bought 394 $139.60 $0.1M Form 4
Aug 17, 2026 Ram ShankarChief Financial Officer Sold 2,000 $151.61 $0.3M Form 4
Aug 17, 2026 Thomas S TerryChief Credit Officer Sold 5,713 $151.77 $0.9M Form 4
Aug 6, 2026 Susan G MurphyDirector Sold 1,377 $145.56 $0.2M Form 4
Aug 5, 2026 David Carl OdgersChief Accounting Officer Sold 145 $147.30 $0.0M Form 4
Aug 4, 2026 Kemper J MarinerChairman and CEO, Director Sold 15,062 $148.55 $2.2M Form 4
Aug 4, 2026 Nikki Farentino NewtonPresident, Private Wealth Mgmt Sold 2,000 $148.60 $0.3M Form 4
Aug 4, 2026 Phillip James MasonPresident, Inst. Banking Sold 800 $147.00 $0.1M Form 4
Aug 4, 2026 Uma WilsonExecutive Vice President Sold 4,145 $148.00 $0.6M Form 4
Aug 3, 2026 Kemper J MarinerChairman and CEO, Director Sold 4,200 $147.27 $0.6M Form 4
Jul 31, 2026 Robert Brian BeairdChief Human Resource Officer Sold 1,600 $144.40 $0.2M Form 4

Similar companies

Each company's latest fiscal year. Fiscal years end in different months, so periods don't line up exactly.

CompanyMarket capGrowthOp. marginFCF marginROICP/EF-score
UMB Financial UMBF $10.0B 62.8% — — — 11.3x —
South State Bank SSB $10.7B 56.1% — — — 11.1x — Compare →
Wintrust Financial WTFC $10.2B 11.2% — — — 12.1x — Compare →
Old National Bank ONB $9.3B 33.9% — — — 13.0x — Compare →
East West Bancorp EWBC $18.2B 12.2% — — — 12.6x — Compare →

10 years of figures

US$ millions unless stated. Hover a ratio's name for its definition.

Download CSV
Fiscal yearFY16FY17FY18FY19FY20FY21FY22FY23FY24FY25
Income statement
Revenue $898M $983M $1.0B $1.1B $1.3B $1.3B $1.5B $1.5B $1.6B $2.7B
Net interest income $495M $559M $610M $671M $731M $816M $914M $920M $1.0B $1.9B
Noninterest income $403M $424M $402M $427M $560M $467M $554M $542M $628M $790M
Noninterest expense $667M $705M $718M $779M $822M $834M $898M $999M $1.0B $1.6B
Provision for credit losses — — $70.8M $32.9M $131M $20.0M $37.9M $41.2M $61.0M $155M
Pretax income $199M $236M $224M $286M $339M $429M $532M $422M $541M $875M
Income tax $45.0M $53.4M $27.3M $42.4M $52.4M $76.0M $100M $71.6M $100M $173M
Net income $159M $247M $196M $244M $287M $353M $432M $350M $441M $702M
Net income to common $159M $247M $196M $244M $287M $353M $432M $350M $441M $685M
Diluted EPS $3.22 $4.96 $3.93 $4.96 $5.93 $7.24 $8.86 $7.18 $8.99 $9.29
Diluted shares 0.05B 0.05B 0.05B 0.05B 0.05B 0.05B 0.05B 0.05B 0.05B 0.07B
Cash flow
Stock-based compensation $11.7M $13.3M $11.1M $14.8M $15.1M $21.2M $21.5M $18.7M $22.6M $37.7M
Share buybacks $16.4M $15.3M $76.5M $4.5M $63.8M $5.5M $32.0M $8.4M $7.7M $17.6M
Dividends paid $49.0M $51.9M $58.3M $59.4M $60.3M $66.8M $72.0M $74.2M $77.1M $136M
Dividends and buybacks $65.4M $67.2M $135M $63.9M $124M $72.3M $104M $82.6M $84.9M $153M
Balance sheet
Loans, net $10.4B $11.2B $12.1B $13.3B $15.9B $17.0B $20.8B $23.0B — —
Deposits $16.6B $18.0B $19.3B $21.6B $27.1B $35.6B $32.6B $35.8B $43.1B $60.7B
Goodwill $181M $181M $181M $181M $181M $175M $207M $207M $207M $1.8B
Intangible assets $0.0M $0.0M $0.0M $0.0M $0.0M $0.0M $0.0M $0.0M $0.0M $0.0M
Total assets $20.7B $21.8B $23.4B $26.6B $33.1B $42.7B $38.5B $44.0B $50.4B $73.1B
Preferred stock $0.0M $0.0M $0.0M $0.0M $0.0M $0.0M $0.0M $0.0M $0.0M $294M
Shareholders' equity $2.0B $2.2B $2.2B $2.6B $3.0B $3.1B $2.7B $3.1B $3.5B $7.7B
Margins
Net margin 17.7% 25.2% 19.3% 22.2% 22.2% 27.5% 29.4% 23.9% 27.1% 26.5%
Net interest share of revenue 55.2% 56.9% 60.3% 61.1% 56.6% 63.6% 62.3% 62.9% 61.4% 70.2%
Efficiency ratio 74.3% 71.8% 70.9% 71.0% 63.7% 65.0% 61.2% 68.3% 63.0% 61.2%
Returns
Return on equity 8.2% 11.9% 8.9% 10.1% 10.2% 11.5% 14.9% 12.1% 13.4% 12.6%
Return on assets 0.8% 1.2% 0.9% 1.0% 1.0% 0.9% 1.1% 0.9% 0.9% 1.1%
Return on tangible equity 9.2% 13.1% 9.7% 10.9% 10.9% 12.2% 15.9% 13.1% 14.3% 15.5%
Growth
Revenue growth 14.7% 9.4% 3.0% 8.5% 17.7% −0.7% 14.5% −0.4% 11.4% 62.8%
Net income growth 36.8% 55.6% −20.9% 24.6% 17.6% 23.2% 22.3% −18.9% 26.1% 59.2%
EPS growth 32.0% 54.0% −20.8% 26.2% 19.6% 22.1% 22.4% −19.0% 25.2% 3.3%
Share count change 3.6% 1.1% −0.1% −1.4% −1.5% 0.8% 0.0% 0.0% 0.6% 50.2%
Financial health
Loans / deposits 63.1% 62.0% 62.6% 61.7% 58.7% 47.7% 63.9% 64.1% — —
Provision / loans — — 0.6% 0.3% 0.9% 0.1% 0.2% 0.2% — —
Capital allocation
Stock comp / revenue 1.3% 1.4% 1.1% 1.4% 1.2% 1.7% 1.5% 1.3% 1.4% 1.4%

Source: SEC EDGAR XBRL filings (CIK 0000101382). Data updated October 18, 2026. Quarterly fourth quarters are the full year minus the first nine months. For information only — not investment advice. Check the original filings before relying on any figure.

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