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Stocks · Financials · National Commercial Banks

UMB FINANCIAL CORP

UMBF Clue Score59
United States Fiscal year ends December CIK 0000101382
$130.30 -0.07% Close, 9 Oct 2026
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Price $130.30 +30.00% Close, 9 Oct 2026

Closing prices at the end of each trading day, from 12 Oct 2016. Not a live quote. Adjusted for share splits, so the line has no step at a split; dividends are not added back. P/E and P/FCF are the market value over the last full fiscal year's net income or free cash flow, as public on each day, so they step once a year when the annual report comes out. A hatched band marks a stretch with none: a year of net loss, or of cash burnt.

Revenue and profit

What the business sells, and what is left of it. Point at a year for the detail.
Net income
Fiscal year 2016Net income0.16EPS, diluted3.22Fiscal year 2017Net income0.25 +55.6%EPS, diluted4.96Fiscal year 2018Net income0.20 −20.9%EPS, diluted3.93Fiscal year 2019Net income0.24 +24.6%EPS, diluted4.96Fiscal year 2020Net income0.29 +17.6%EPS, diluted5.93Fiscal year 2021Net income0.35 +23.2%EPS, diluted7.24Fiscal year 2022Net income0.43 +22.3%EPS, diluted8.86Fiscal year 2023Net income0.35 −18.9%EPS, diluted7.18Fiscal year 2024Net income0.44 +26.1%EPS, diluted8.99Fiscal year 2025Net income0.70 +59.2%EPS, diluted9.29
FY2016FY2017FY2018FY2019FY2020FY2021FY2022FY2023FY2024FY2025
Net income 0.16 0.25 0.20 0.24 0.29 0.35 0.43 0.35 0.44 0.70
Growth +55.6% −20.9% +24.6% +17.6% +23.2% +22.3% −18.9% +26.1% +59.2%
EPS, diluted 3.22 4.96 3.93 4.96 5.93 7.24 8.86 7.18 8.99 9.29

Cash flow

The cash the business makes, what it reinvests, and what it hands back. Point at a year for the detail.
Operating cash flowCapital expenditureFree cash flow
Fiscal year 2016Operating cash flow0.30Capital expenditure−0.05Free cash flow0.25Buybacks−0.02Dividends paid−0.05Fiscal year 2017Operating cash flow0.33Capital expenditure−0.04Free cash flow0.29 +18.1%Buybacks−0.02Dividends paid−0.05Fiscal year 2018Operating cash flow0.30Capital expenditure−0.06Free cash flow0.24 −18.0%Buybacks−0.08Dividends paid−0.06Fiscal year 2019Operating cash flow0.34Capital expenditure−0.07Free cash flow0.27 +12.6%Buybacks−0.00Dividends paid−0.06Fiscal year 2020Operating cash flow0.37Capital expenditure−0.06Free cash flow0.31 +17.1%Buybacks−0.06Dividends paid−0.06Fiscal year 2021Operating cash flow0.53Capital expenditure−0.03Free cash flow0.50 +59.7%Buybacks−0.01Dividends paid−0.07Fiscal year 2022Operating cash flow0.77Capital expenditure−0.05Free cash flow0.72 +43.5%Buybacks−0.03Dividends paid−0.07Fiscal year 2023Operating cash flow0.47Capital expenditure−0.02Free cash flow0.45 −37.4%Buybacks−0.01Dividends paid−0.07Fiscal year 2024Operating cash flow0.23Capital expenditure−0.02Free cash flow0.21 −54.3%Buybacks−0.01Dividends paid−0.08Fiscal year 2025Operating cash flow1.03Capital expenditure−0.05Free cash flow0.98 +376.5%Buybacks−0.02Dividends paid−0.14
FY2016FY2017FY2018FY2019FY2020FY2021FY2022FY2023FY2024FY2025
Operating cash flow 0.30 0.33 0.30 0.34 0.37 0.53 0.77 0.47 0.23 1.03
Capital expenditure −0.05 −0.04 −0.06 −0.07 −0.06 −0.03 −0.05 −0.02 −0.02 −0.05
Free cash flow 0.25 0.29 0.24 0.27 0.31 0.50 0.72 0.45 0.21 0.98
Growth +18.1% −18.0% +12.6% +17.1% +59.7% +43.5% −37.4% −54.3% +376.5%
Buybacks −0.02 −0.02 −0.08 −0.00 −0.06 −0.01 −0.03 −0.01 −0.01 −0.02
Dividends paid −0.05 −0.05 −0.06 −0.06 −0.06 −0.07 −0.07 −0.07 −0.08 −0.14

Balance sheet

What it holds against what it owes, at each year end. Point at a year for the detail.
CashTotal debt
Fiscal year 2016Cash1.06Total debt0.08Net cash (debt)0.99Shareholders’ equity1.96Debt to equity0.04Fiscal year 2017Cash1.72Total debt0.08Net cash (debt)1.64Shareholders’ equity2.18Debt to equity0.04Fiscal year 2018Cash1.67Total debt0.08Net cash (debt)1.59Shareholders’ equity2.23Debt to equity0.04Fiscal year 2019Cash1.67Total debt0.07Net cash (debt)1.60Shareholders’ equity2.61Debt to equity0.03Fiscal year 2020Cash3.50Total debt0.27Net cash (debt)3.23Shareholders’ equity3.02Debt to equity0.09Fiscal year 2021Cash9.21Total debt0.27Net cash (debt)8.94Shareholders’ equity3.15Debt to equity0.09Fiscal year 2022Cash1.56Total debt0.38Net cash (debt)1.18Shareholders’ equity2.67Debt to equity0.14Fiscal year 2023Cash5.53Total debt0.38Net cash (debt)5.15Shareholders’ equity3.10Debt to equity0.12Fiscal year 2024Cash8.45Total debt0.39Net cash (debt)8.06Shareholders’ equity3.47Debt to equity0.11Fiscal year 2025Cash7.77Total debt0.47Net cash (debt)7.30Shareholders’ equity7.69Debt to equity0.06
FY2016FY2017FY2018FY2019FY2020FY2021FY2022FY2023FY2024FY2025
Cash 1.06 1.72 1.67 1.67 3.50 9.21 1.56 5.53 8.45 7.77
Total debt 0.08 0.08 0.08 0.07 0.27 0.27 0.38 0.38 0.39 0.47
Net cash (debt) 0.99 1.64 1.59 1.60 3.23 8.94 1.18 5.15 8.06 7.30
Shareholders’ equity 1.96 2.18 2.23 2.61 3.02 3.15 2.67 3.10 3.47 7.69
Debt to equity 0.04 0.04 0.04 0.03 0.09 0.09 0.14 0.12 0.11 0.06

In billions of USD, except per-share figures and ratios. Fiscal years, as last filed with the SEC.

Financial statements FY2025 · 10-K

Cash flow

In billions of USD, except per-share figures; shares in millions. Fiscal years ending December, each column as last filed with the SEC.
Click a line to chart it
Fiscal year FY2016 31 Dec 2016 FY2017 31 Dec 2017 FY2018 31 Dec 2018 FY2019 31 Dec 2019 FY2020 31 Dec 2020 FY2021 31 Dec 2021 FY2022 31 Dec 2022 FY2023 31 Dec 2023 FY2024 31 Dec 2024 FY2025† 31 Dec 2025
Operations
0.30 0.33 0.30 0.34 0.37 0.53 0.77 0.47 0.23 1.03
Growth +10.1% −9.4% +15.0% +9.9% +43.0% +44.1% −38.6% −52.3% +355.7%
−0.00 n/a n/a n/a n/a n/a n/a n/a n/a n/a
Investment
−0.05 −0.04 −0.06 −0.07 −0.06 −0.03 −0.05 −0.02 −0.02 −0.05
calc 0.25 0.29 0.24 0.27 0.31 0.50 0.72 0.45 0.21 0.98
Growth +18.1% −18.0% +12.6% +17.1% +59.7% +43.5% −37.4% −54.3% +376.5%
calc 4.98 5.82 4.78 5.45 6.48 10.27 14.73 9.22 4.18 13.28
−1.50 −0.48 −1.75 −2.99 −4.49 −4.24 −3.85 −1.27 −3.26 −5.62
Financing
1.45 0.80 1.41 2.64 5.95 9.42 −4.58 4.77 5.96 3.92
−0.05 −0.05 −0.06 −0.06 −0.06 −0.07 −0.07 −0.07 −0.08 −0.14
−0.02 −0.02 −0.08 −0.00 −0.06 −0.01 −0.03 −0.01 −0.01 −0.02

† The diluted share count jumps at 2025, so per-share figures either side of that column are not comparable. Usually a split, but the break lands on the restatement boundary rather than on the split date, because every column is that period’s latest filing.

Lines marked calc are worked out here from filed figures; point at one for how. Capital expenditure, dividends and buybacks are shown as money out, so negative.