UMB FINANCIAL CORP
About UMB FINANCIAL CORP
UMB Financial Corp, or UMBF, is a financial services holding company offering a suite of banking services and asset servicing to its customers in the United States and around the world. Its client base includes commercial, institutional, and personal customers. Along with its subsidiaries, the company operates in the following business segments: Commercial Banking, Institutional Banking, and Personal Banking. A majority of its revenue is generated from the Commercial Banking segment, which serves the commercial banking and treasury management needs of small to middle-market businesses through various products and services such as commercial loans, commercial real estate financing, commercial credit cards, letters of credit, loan syndication services, consultative services, and others.
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Financial summary
- Net income
- $702.4M
- Total assets
- $73.1B
- Market cap
- $9.9B
- Operating margin
- 26.1%
- Net margin
- 20.9%
Source: SEC EDGAR · updated Jun 8, 2026
Revenue & profit trend
Financial statements
Income statement
- Revenue
- $3.4B
- Operating expenses
- $2.5B
- Operating income
- $875.0M
- Income tax
- $172.6M
- Net income
- $702.4M
- EPS (basic)
- $9.35
- EPS (diluted)
- $9.29
Balance sheet
- Total assets
- $73.1B
- Current assets
- $73.1B
- Total liabilities
- $65.4B
- Current liabilities
- $65.4B
- Shareholders’ equity
- $7.7B
Cash flow
- Operating cash flow
- $1.0B
- Investing cash flow
- -$5.6B
- Financing cash flow
- $3.9B
- Net cash flow
- -$676.7M
Statements via Polygon.io (SEC filings)
15-minute delayed · data by Polygon.io
Past year
52-week range
- Market cap
- $9.9B
- P/E ratio
- 13.9
- EPS (diluted)
- $9.29
- Dividend yield
- 1.33%
- Shares outstanding
- 76.5M
- Open
- —
- Day range
- –
- Prev close
- —
- Volume
- —
- IPO date
- Feb 18, 1975
Market data by Polygon.io · prices are 15-minute delayed
At a glance
- Profitable — net income of $702.4M.
- Revenue grew 289% from FY2021 to FY2025.
- Trading 4% below its 52-week high.
- Pays a dividend yielding about 1.33% annually.
- Valued at a price-to-earnings (P/E) ratio of 13.9.
Automatically generated from public filings and market data. Informational only — not investment advice or a recommendation to buy or sell any security.
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