UMB FINANCIAL CORP financials

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UMBF CIK 0000101382

Source: EDGAR filings · Built 2026-06-02T04:17:04Z

Custom taxonomy namespace: ffd

Key metrics by reporting period

Up to six most-recent periods side-by-side. Rows are the curated key lines — revenue, margins, cash, debt, equity, cash-flow totals, plus the derived and valuation metrics we compute on top. For every tag a filer reported in one period, use the single-filing drilldown below.

Derived Metrics

Concept FY 2025FY 2024FY 2023FY 2022FY 2021FY 2020
Free Cash Flow 978.11M 205.28M 449.50M 717.84M 500.39M 313.38M
Net Debt -4.37B -5.78B 250.29M 727.79M -5.91B -1.11B
Return on Equity (ROE) 9.13% 12.73% 11.29% 16.19% 11.22% 9.50%
Return on Assets (ROA) 0.96% 0.88% 0.80% 1.12% 0.83% 0.86%
Debt-to-Equity 0.44× 0.77× 1.86× 0.86× 1.05× 0.79×
Effective Tax Rate 19.72% 18.48% 16.98% 18.86% 17.72% 15.46%
Cash Conversion Ratio 1.46× 0.51× 1.35× 1.78× 1.51× 1.30×
Accruals Ratio -0.00× 0.00× -0.00× -0.01× -0.00× -0.00×
CapEx Coverage 21.13× 11.26× 20.46× 14.88× 15.85× 6.20×
Free Cash Flow Per Share $13.28 $4.18 $9.22 $14.73 $10.27 $6.48

Valuation Metrics

Concept FY 2025FY 2024FY 2023FY 2022FY 2021FY 2020
P/E Trailing (Diluted) 12.38× 12.55× 11.64× 9.43× 14.66× 11.63×
P/FCF 8.66× 26.97× 9.06× 5.67× 10.34× 10.64×
FCF Yield 11.54% 3.71% 11.03% 17.63% 9.68% 9.40%
P/B 1.18× 1.59× 1.31× 1.51× 1.63× 1.10×

Income Statement

Concept FY 2025FY 2024FY 2023FY 2022FY 2021FY 2020
Income Tax Expense (Benefit) 172.56M 100.03M 71.58M 100.33M 76.04M 52.39M
Net Income (Loss) Attributable to Parent 702.40M 441.24M 350.02M 431.68M 353.02M 286.50M
Earnings Per Share, Basic $9.35 $9.05 $7.22 $8.93 $7.31 $5.95
Weighted Average Number of Shares Outstanding, Basic 73.26M 48.75M 48.50M 48.34M 48.27M 48.14M
Earnings Per Share, Diluted $9.29 $8.99 $7.18 $8.86 $7.24 $5.93
Weighted Average Number of Shares Outstanding, Diluted 73.67M 49.06M 48.76M 48.75M 48.74M 48.34M

Balance Sheet

Concept FY 2025FY 2024FY 2023FY 2022FY 2021FY 2020
Cash and Cash Equivalents, at Carrying Value 7.77B 8.45B 5.53B 1.56B 9.21B 3.50B
Assets 73.09B 50.41B 44.01B 38.51B 42.69B 33.13B
Long-term Debt 474.23M 385.29M 383.25M 381.31M 271.54M 269.60M
Liabilities 65.40B 46.94B 40.91B 35.85B 39.55B 30.11B
Stockholders' Equity Attributable to Parent 7.69B 3.47B 3.10B 2.67B 3.15B 3.02B
Common Stock, Shares, Outstanding 75.96M 48.81M 48.55M 48.32M 48.43M 48.01M

Cash Flow Statement

Concept FY 2025FY 2024FY 2023FY 2022FY 2021FY 2020
Net Cash Provided by (Used in) Operating Activities 1.03B 225.29M 472.60M 769.55M 534.08M 373.60M
Payments to Acquire Property, Plant, and Equipment 48.58M 20.01M 23.10M 51.72M 33.69M 60.22M
Net Cash Provided by (Used in) Investing Activities -5.62B -3.26B -1.27B -3.85B -4.24B -4.49B
Payments for Repurchase of Common Stock 17.63M 7.74M 8.37M 32.00M 5.51M 63.77M
Payments of Dividends 135.62M 77.13M 74.25M 72.03M 66.75M 60.28M
Net Cash Provided by (Used in) Financing Activities 3.92B 5.96B 4.77B -4.58B 9.42B 5.95B

Raw XBRL tagging for a single filing

Every us-gaap and custom concept the filer tagged for one fiscal period, grouped by statement. Start here when a number in the trend table above surprises you and you want to see the exact tag behind it. Derived and valuation rows are omitted here because they already appear in the trend table.

Most recent filing shown by default.

Compare filings side-by-side

Diff any two filings with deltas and added / removed tags.

Immaterial rows are USD line items under 1% of the period's revenue — the noise floor below which a single tag rarely moves the investment thesis. Revenue is read from the filer's top-line concept (Revenues / RevenueFromContractWithCustomerExcludingAssessedTax, with a fallback chain). Non-USD rows, rows without a numeric value, and every row on a filing with no identifiable revenue anchor stay visible. Flip the switch off to see every tag the filer reported for the period.

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Methodology

All facts on this page come straight from SEC EDGAR XBRL company-facts filings (UMBF CIK 0000101382), grouped by financial statement using FASB's base us-gaap presentation taxonomy. Filers may re-parent concepts onto different statements in their own extension taxonomy, so a handful of rows can show up under a different statement than on the actual 10-K / 10-Q; custom concepts and any we couldn't map fall into Other. Hover a cell to see the fully-qualified concept name and the filer's description.

For the full methodology — statement grouping, the Other bucket, derived metrics, and fact tooltips — see the methodology reference for the statement grouping, the "Other" bucket, derived metrics, and fact tooltips.

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