UMBFNasdaqNational Commercial BanksFiscal year ends December 31Also trades as UMBFO

UMB FINANCIAL CORP

Financials through Q2 FY2026, quarter ended Jun 30, 2026Last filing: 10-Q on Jul 30, 2026

$129.65−1.45 (-1.11%)

Close on Oct 19, 2026

Market cap: $9.90B
P/E (TTM): 10.8
Dividend yield: 1.26%

UMB FINANCIAL CORP balance sheet

Millions of USD, except per-share data. Shares in millions.

Line item	FY 2025 2025-12-31	FY 2024 2024-12-31	FY 2023 2023-12-31	FY 2022 2022-12-31	FY 2021 2021-12-31	FY 2020 2020-12-31	FY 2019 2019-12-31	FY 2018 2018-12-31	FY 2017 2017-12-31	FY 2016 2016-12-31	FY 2015 2015-12-31	FY 2014 2014-12-31	FY 2013 2013-12-31	FY 2012 2012-12-31	FY 2011 2011-12-31	FY 2010 2010-12-31	FY 2009 2009-12-31	FY 2008 2008-12-31	FY 2007 2007-12-31
Cash & Equivalents	7,772	8,449	5,528	1,558	9,215	3,498	1,669	1,674	1,716	1,064	819	1,787	2,582	1,366	1,460	1,034	1,230	888	807
Cash & Short-Term Investments	9,441	9,104	5,852	2,638	10,472	5,191	3,277	2,320	1,936	1,462	1,155	2,102	2,702	1,366	1,460	1,034	1,230	888	807
Property, Plant & Equipment	398	222	242	264	271	293	300	284	276	289	281	258	250	245	228	220	218	–	–
Gross Property, Plant & Equipment	1,128	913	894	876	849	835	804	758	709	701	659	598	592	568	531	526	–	–	–
Land	101	41	41	41	42	42	43	45	46	46	46	44	45	46	45	45	–	–	–
Buildings & Improvements	516	383	371	361	353	352	358	344	328	326	–	–	–	–	–	–	–	–	–
Machinery & Equipment	217	200	194	187	181	176	164	160	148	151	138	121	125	122	105	111	–	–	–
Operating Lease Right-of-Use Assets	64	48	50	55	57	63	67	–	–	–	–	–	–	–	–	–	–	–	–
Goodwill	1,840	207	207	207	175	181	181	181	181	181	228	210	210	210	211	211	131	–	–
Intangible Assets	487	64	71	71	14	21	28	15	20	27	47	44	56	69	84	92	47	–	–
Total Assets	73,094	50,410	44,012	38,512	42,693	33,128	26,561	23,351	21,772	20,683	19,094	17,501	16,912	14,927	13,541	12,405	11,663	–	–
Short-Term Debt	–	–	1,800	–	–	–	–	–	–	–	5.01	–	0.11	0	12	35	30	–	–
Current Debt	–	–	1,800	–	–	–	–	–	–	–	5.01	–	0.11	0	12	35	30	–	–
Operating Lease Liabilities	73	55	59	64	65	72	73	–	–	–	–	–	–	–	–	–	–	–	–
Total Liabilities	65,401	46,943	40,911	35,845	39,548	30,111	23,955	21,123	19,590	18,720	17,201	15,857	15,406	13,648	12,350	11,344	10,648	–	–
Total Debt	–	–	1,800	–	–	–	–	–	–	–	5.01	–	0.11	0	12	35	30	–	–
Preferred Stock	294	–	–	–	–	–	–	–	–	–	–	–	–	–	–	–	–	–	–
Common Stock	79	55	55	55	55	55	55	55	55	55	55	55	55	55	55	55	55	–	–
Additional Paid-In Capital	4,011	1,146	1,134	1,126	1,111	1,090	1,074	1,055	1,046	1,033	1,020	895	882	732	723	718	713	–	–
Retained Earnings	3,736	3,175	2,811	2,536	2,177	1,891	1,672	1,488	1,338	1,143	1,034	964	885	787	698	623	563	–	–
Treasury Stock	-165	-336	-343	-347	-323	-338	-278	-274	-212	-211	-212	-281	-283	-380	-366	-361	-355	–	–
Comprehensive Income & Other	-262	-573	-557	-703	126	318	83	-96	-46	-58	-3.72	11	-33	86	81	25	40	–	–
Shareholders' Equity	7,694	3,467	3,100	2,667	3,145	3,017	2,606	2,228	2,182	1,962	1,894	1,644	1,506	1,279	1,191	1,061	1,016	975	891
Total Equity	7,694	3,467	3,100	2,667	3,145	3,017	2,606	2,228	2,182	1,962	1,894	1,644	1,506	1,279	1,191	1,061	1,016	975	891
Total Liabilities & Equity	73,094	50,410	44,012	38,512	42,693	33,128	26,561	23,351	21,772	20,683	19,094	17,501	16,912	14,927	13,541	12,405	11,663	–	–
Shares Outstanding(shares)	76	49	49	48	48	48	49	49	50	50	49	46	45	40	40	40	40	–	–
Loans, Net	–	–	22,953	20,839	16,976	15,888	13,330	12,075	11,180	10,449	9,350	7,390	6,446	5,615	4,888	4,510	4,251	–	–
Allowance for Credit Losses	421	262	223	194	197	219	102	104	101	92	81	76	75	71	72	74	64	–	–
Deposits	60,657	43,142	35,793	32,639	35,600	27,051	21,603	19,281	18,023	16,571	15,093	13,617	13,641	11,653	10,170	9,029	8,534	–	–

Italic numbers are calculated by StockData (for example Q4 = full year − nine months). Per-share data and share counts are adjusted for stock splits. Hover a number for its source; click it to open the filing on SEC.gov. Click a row to chart it.

Ratios

Latest available, balances at Jun 30, 2026

Profitability, TTM

Gross margin: –
Operating margin: –
Net margin: 32.3%
Return on equity, FY2025: 12.6%

Financial strength

Current ratio: –
Debt to equity: –
Debt to assets: –
Cash to current liabilities: –

Valuation

P/E ratio: 10.8
Price to sales: 3.40
Price to book: 1.23
Dividend yield: 1.26%