UMB Financial financials
$131.84−1.18%
Close Sep 29, 2026 · split-adjustedRevenue
Net income
Income statement & cash flow
| Fiscal year | FY25 Dec 31 | FY24 Dec 31 | FY23 Dec 31 | FY22 Dec 31 | FY21 Dec 31 | FY20 Dec 31 | FY19 Dec 31 | FY18 Dec 31 | FY17 Dec 31 | FY16 Dec 31 |
|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | $4.14B | $2.80B | $2.38B | $1.69B | $1.33B | $1.37B | $1.29B | $1.13B | $1.04B | $925.5M |
| Gross profit | $2.65B | $1.63B | $1.46B | $1.47B | $1.28B | $1.29B | $1.10B | $1.01B | $982.5M | $897.8M |
| Gross margin | 64.0% | 58.2% | 61.4% | 86.8% | 96.5% | 94.4% | 85.1% | 89.3% | 94.4% | 97.0% |
| Operating income | $875.0M | $541.3M | $421.6M | $532.0M | $429.1M | $338.9M | $286.0M | $223.6M | $236.3M | $198.6M |
| Net income | $684.6M | $441.2M | $350.0M | $431.7M | $353.0M | $286.5M | $243.6M | $195.5M | $247.1M | $158.8M |
| Net margin | 16.5% | 15.8% | 14.7% | 25.5% | 26.6% | 20.9% | 18.9% | 17.2% | 23.7% | 17.2% |
| Diluted EPS | $9.29 | $8.99 | $7.18 | $8.86 | $7.24 | $5.93 | $4.96 | $3.93 | $4.96 | $3.22 |
| EBITDA | $875.0M | $541.3M | $421.6M | $532.0M | $429.1M | $349.2M | $297.5M | $236.3M | $251.9M | $212.8M |
| Operating cash flow | $1.03B | $225.3M | $472.6M | $769.6M | $534.1M | $363.0M | $324.5M | $302.7M | $337.3M | $308.9M |
| Free cash flow | $978.1M | $205.3M | $449.5M | $724.6M | $504.3M | $311.4M | $257.8M | $250.1M | $303.9M | $259.8M |
| Diluted shares | 73.7M | 49.1M | 48.8M | 48.7M | 48.7M | 48.3M | 49.1M | 49.8M | 49.8M | 49.3M |
Balance sheet
| Period end | Dec 31 | Dec 31 | Dec 31 | Dec 31 | Dec 31 | Dec 31 |
|---|---|---|---|---|---|---|
| Cash & equivalents | $952.5M | $573.2M | $447.2M | $500.7M | $413.8M | $430.6M |
| Short-term investments | $28.62B | $16.81B | $18.67B | $15.37B | $23.87B | $15.40B |
| Total debt | $474.2M | $385.3M | $2.18B | $381.3M | $271.5M | $269.6M |
| Total assets | $73.09B | $50.41B | $44.01B | $38.51B | $42.69B | $33.13B |
| Total liabilities | $65.40B | $46.94B | $40.91B | $35.85B | $39.55B | $30.11B |
| Shareholders' equity | $7.69B | $3.47B | $3.10B | $2.67B | $3.15B | $3.02B |
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