UMB Financial financials
$131.84−1.18%
Close Sep 29, 2026 · split-adjustedRevenue
Net income
Income statement & cash flow
| Quarter | Q2 '26 Jun 30 | Q1 '26 Mar 31 | Q4 '25 Dec 31 | Q3 '25 Sep 30 | Q2 '25 Jun 30 | Q1 '25 Mar 31 | Q4 '24 Dec 31 | Q3 '24 Sep 30 | Q2 '24 Jun 30 | Q1 '24 Mar 31 | Q4 '23 Dec 31 | Q3 '23 Sep 30 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | $1.12B | $1.07B | $1.09B | $1.08B | $1.07B | $904.2M | $720.2M | $716.4M | $683.2M | $679.3M | $636.9M | $605.3M |
| Gross profit | $778.0M | $739.2M | $720.9M | $678.3M | $689.2M | $563.8M | $434.2M | $406.1M | $390.0M | $398.7M | $370.8M | $355.6M |
| Gross margin | 69.7% | 69.0% | 66.4% | 62.7% | 64.2% | 62.4% | 60.3% | 56.7% | 57.1% | 58.7% | 58.2% | 58.7% |
| Operating income | $350.4M | $331.3M | $270.3M | $236.6M | $275.0M | $93.0M | $144.8M | $135.7M | $126.9M | $133.9M | $80.8M | $119.2M |
| Net income | $271.8M | $255.6M | $209.5M | $180.4M | $215.4M | $79.3M | $120.0M | $109.6M | $101.3M | $110.3M | $70.9M | $96.6M |
| Net margin | 24.3% | 23.8% | 19.3% | 16.7% | 20.1% | 8.8% | 16.7% | 15.3% | 14.8% | 16.2% | 11.1% | 16.0% |
| Diluted EPS | $3.56 | $3.35 | $2.74 | $2.36 | $2.82 | $1.21 | $2.44 | $2.23 | $2.07 | $2.25 | $1.45 | $1.98 |
| EBITDA | $350.4M | $331.3M | $270.3M | $236.6M | $275.0M | $93.0M | $144.8M | $135.7M | $126.9M | $133.9M | $80.8M | $119.2M |
| Operating cash flow | $349.3M | $361.3M | $106.1M | $272.2M | $285.4M | $363.0M | -$66.9M | $123.6M | $112.4M | $56.1M | $85.0M | $232.2M |
| Free cash flow | $330.8M | $356.8M | $95.3M | $257.8M | $270.8M | $354.2M | -$77.1M | $119.4M | $106.7M | $56.0M | $80.9M | $225.9M |
| Diluted shares | 76.4M | 76.4M | 76.6M | 76.4M | 76.2M | 65.5M | 49.3M | 49.1M | 49.0M | 48.9M | 48.9M | 48.8M |
Balance sheet
| Period end | Jun 30 | Mar 31 | Dec 31 | Sep 30 | Jun 30 | Mar 31 |
|---|---|---|---|---|---|---|
| Cash & equivalents | $779.9M | $735.8M | $952.5M | $1.07B | $1.09B | $917.5M |
| Short-term investments | $25.82B | $27.25B | $28.62B | $28.44B | $23.67B | $27.74B |
| Total debt | $480.1M | $477.2M | $474.2M | $471.3M | $657.3M | $654.4M |
| Total assets | $72.26B | $72.67B | $73.09B | $71.88B | $71.76B | $69.35B |
| Total liabilities | $64.22B | $64.85B | $65.40B | $64.44B | $64.47B | $62.60B |
| Shareholders' equity | $8.03B | $7.83B | $7.69B | $7.44B | $7.29B | $6.75B |
From SEC filings via Massive. Fiscal periods follow the company's own calendar; free cash flow is operating cash flow minus capital expenditure.
Sources: Massive / Polygon daily aggregates (split-adjusted) · SEC filings via Massive · FINRA settlements via Massive · Financial Modeling Prep. Figures are dated where shown; research is informational, not investment advice. Methodology