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UMBF

UMB Financial Corporation

UMBF

UMB Financial Corporation • NASDAQ
$111.08 ▼ -0.84% (-0.94)
Market Cap $8.44 B
52w High $128.80
52w Low $82.00
Dividend Yield 1.60%
P/E 12.4
Volume 156.15K
Outstanding Shares 75.95M

Income Statement

Period Revenue Operating Expense Net Income Net Profit Margin Earnings Per Share EBITDA
Q3-2025 $1.491B ▲ $423.855M ▲ $188.316M ▼ 12.628% ▼ $2.51 ▼ $303.916M ▼
Q2-2025 $1.017B ▲ $337.167M ▲ $217.394M ▲ 21.382% ▲ $2.84 ▲ $313.036M ▲
Q1-2025 $850.523M ▲ $331.142M ▲ $81.333M ▼ 9.563% ▼ $1.22 ▼ $122.416M ▼
Q4-2024 $680.216M ▲ $230.398M ▲ $119.997M ▲ 17.641% ▲ $2.46 ▲ $157.538M ▲
Q3-2024 $674.258M $210.275M $109.643M 16.261% $2.25 $148.612M

Balance Statement

Period Cash & Short-term Total Assets Total Liabilities Total Equity
Q3-2025 $17.372B ▲ $71.881B ▲ $64.437B ▼ $7.444B ▲
Q2-2025 $11.377B ▼ $71.76B ▲ $64.474B ▲ $7.286B ▲
Q1-2025 $21.625B ▲ $69.347B ▲ $62.599B ▲ $6.748B ▲
Q4-2024 $16.334B ▲ $50.41B ▲ $46.943B ▲ $3.467B ▼
Q3-2024 $14.396B $47.496B $43.961B $3.535B

Cash Flow Statement

Period Net Income Cash From Operations Cash From Investing Cash From Financing Net Change Free Cash Flow
Q3-2025 $188.316M ▼ $272.209M ▼ $-2.143B ▼ $-283.741M ▼ $-2.154B ▼ $257.811M ▼
Q2-2025 $217.394M ▲ $285.386M ▼ $-1.998B ▼ $2.098B ▲ $385.823M ▼ $270.782M ▼
Q1-2025 $81.333M ▼ $363.021M ▲ $663.204M ▲ $1.135B ▼ $2.161B ▲ $354.198M ▲
Q4-2024 $119.997M ▲ $-66.871M ▼ $-1.718B ▼ $2.957B ▲ $1.172B ▼ $-77.051M ▼
Q3-2024 $109.643M $123.647M $-588.3M $2.725B $2.261B $117.688M

Revenue by Products

Product Q4-2024Q1-2025Q2-2025Q3-2025
Credit Card
Credit Card
 $0 ▲$-10.00M ▼$-10.00M ▲$-10.00M ▲
Deposit Account
Deposit Account
 $0 ▲$0 ▲$0 ▲$0 ▲
Investment Securities Gains Losses Net
Investment Securities Gains Losses Net
 $0 ▲$0 ▲$40.00M ▲$0 ▼
Other Financial Services
Other Financial Services
 $20.00M ▲$10.00M ▼$10.00M ▲$30.00M ▲
Trading And Investment Banking
Trading And Investment Banking
 $10.00M ▲$10.00M ▲$10.00M ▲$10.00M ▲

Five-Year Company Overview

Income Statement

Income Statement UMB Financial’s income statement shows a steadily growing business with consistent profitability. Revenue has risen meaningfully over the past several years, and earnings have generally tracked that growth, even with some normal ups and downs tied to interest-rate cycles and the broader economy. Margins have held up reasonably well, suggesting solid pricing power and cost control. Overall, the bank looks like a mature, diversified earner rather than a highly volatile one, with both interest income and fee-based businesses contributing to results.

Balance Sheet

Balance Sheet The balance sheet reflects a larger, more complex institution than it was a few years ago, with a clear step-up in total assets. Liquidity appears strong, with a sizable cash position that provides flexibility in uncertain markets and during integrations like Heartland Financial. Debt levels look manageable relative to the company’s size and capital base, and equity has been building over time, which helps absorb shocks. Combined with the company’s reputation for conservative credit culture, the balance sheet comes across as sound but growing more intricate as UMB expands.

Cash Flow

Cash Flow Cash flow from operations has remained positive, which is important for a bank of this size, though it has become more volatile recently as lending, deposits, and acquisitions shift the mix of cash in and out. Free cash flow has generally tracked operating cash flow, indicating that ongoing investment needs are not overwhelming the business. Capital spending is steady but not aggressive, suggesting a focus on targeted technology and infrastructure upgrades rather than large physical build-outs. Overall, cash generation looks adequate to support growth, but investors should recognize that bank cash flows naturally swing with funding and loan dynamics.

Competitive Edge

Competitive Edge UMB’s competitive position is built on being more than a traditional regional bank. It combines core commercial and retail banking with higher-value, fee-based businesses such as fund services, institutional custody, healthcare payments, and wealth management. These specialized areas give UMB a national reach and create sticky client relationships, since switching fund administrators or custody providers can be complex and risky for clients. The bank’s conservative risk culture, long operating history, and relationship-driven approach add to its moat. At the same time, it competes against both large national banks and agile fintechs, and the integration of Heartland Financial introduces execution and cultural risks that will need careful management.

Innovation and R&D

Innovation and R&D UMB emphasizes innovation mainly through technology in its specialized businesses rather than classic research labs. It has built proprietary platforms for fund administration and alternative investments, which help differentiate its services and deepen client lock-in. Its Banking-as-a-Service infrastructure positions it as an enabling partner for fintech firms, while its healthcare payment and HSA platforms show a focus on niche, tech-enabled banking solutions. Internally, the company is leaning into data analytics, automation, and digital banking upgrades. Looking ahead, its interest in emerging technologies such as artificial intelligence and blockchain, plus continued digital transformation across newly acquired operations, will be important to watch as both an opportunity and an execution challenge.

Summary

Across the financials, UMB Financial looks like a steadily growing, consistently profitable regional bank that has successfully layered on specialized, fee-heavy businesses. The balance sheet appears prudently managed with ample liquidity and growing capital, while cash flow remains positive but naturally variable given the nature of banking and recent expansion. Competitively, UMB stands out by pairing traditional banking with fund services, institutional, fintech, and healthcare-related offerings, which strengthens its moat but also increases operational complexity. Its ongoing investments in proprietary platforms, Banking-as-a-Service, and digital capabilities support long-term relevance, though successful integration of acquisitions and keeping pace with technological and regulatory change remain key areas of uncertainty.

NEWS

October 28, 2025 · 4:05 PM UTC

UMB Financial Corporation Reports Third Quarter 2025 Results

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October 16, 2025 · 9:00 AM UTC

UMB Successfully Completes Systems and Brand Conversion Following Acquisition of Heartland Financial USA, Inc.

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October 8, 2025 · 8:45 AM UTC

UMB Announces Conference Call to Discuss Third Quarter 2025 Results

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