UMB FINANCIAL CORP — Financial Data
Annual figures from SEC EDGAR XBRL filings (10-K)
These figures are extracted directly from XBRL-tagged financial statements that UMB FINANCIAL CORP filed with the SEC as part of its annual 10-K reports. XBRL (eXtensible Business Reporting Language) is a structured data format the SEC requires for machine-readable financial disclosures. Values shown are as reported — negative figures indicate a loss and are shown in red.
Net Income
The bottom-line profit — what remains after all operating expenses, interest, taxes, and other costs are deducted. A negative value means the company reported a net loss for the year.
| Fiscal Year | Period End | Value | Filed |
|---|---|---|---|
| FY2025 | Dec 31, 2025 | $702.40M | Feb 26, 2026 |
| FY2025 | Dec 31, 2024 | $441.24M | Feb 26, 2026 |
| FY2025 | Dec 31, 2023 | $350.02M | Feb 26, 2026 |
| FY2024 | Dec 31, 2022 | $431.68M | Feb 27, 2025 |
| FY2023 | Dec 31, 2021 | $353.02M | Feb 22, 2024 |
| FY2022 | Dec 31, 2020 | $286.50M | Feb 23, 2023 |
| FY2021 | Dec 31, 2019 | $243.60M | Feb 24, 2022 |
| FY2020 | Dec 31, 2018 | $195.51M | Mar 1, 2021 |
| FY2019 | Dec 31, 2017 | $247.11M | Feb 27, 2020 |
| FY2016 | Dec 31, 2016 | $42.93M | Feb 23, 2017 |
Operating Cash Flow
Cash generated from core business operations — a more reliable measure of financial health than net income because it strips out non-cash items like depreciation and one-time charges.
| Fiscal Year | Period End | Value | Filed |
|---|---|---|---|
| FY2025 | Dec 31, 2025 | $1.03B | Feb 26, 2026 |
| FY2025 | Dec 31, 2024 | $225.29M | Feb 26, 2026 |
| FY2025 | Dec 31, 2023 | $472.60M | Feb 26, 2026 |
| FY2024 | Dec 31, 2022 | $769.55M | Feb 27, 2025 |
| FY2023 | Dec 31, 2021 | $534.08M | Feb 22, 2024 |
| FY2022 | Dec 31, 2020 | $373.60M | Feb 23, 2023 |
| FY2021 | Dec 31, 2019 | $339.93M | Feb 24, 2022 |
| FY2020 | Dec 31, 2018 | $295.70M | Mar 1, 2021 |
| FY2019 | Dec 31, 2017 | $326.53M | Feb 27, 2020 |
| FY2018 | Dec 31, 2016 | $296.44M | Mar 1, 2019 |
Capital Expenditures (Capex)
Cash spent on acquiring or upgrading physical assets — property, equipment, and infrastructure. High capex businesses include manufacturing, telecom, and energy companies.
| Fiscal Year | Period End | Value | Filed |
|---|---|---|---|
| FY2025 | Dec 31, 2025 | $48.58M | Feb 26, 2026 |
| FY2025 | Dec 31, 2024 | $20.01M | Feb 26, 2026 |
| FY2025 | Dec 31, 2023 | $23.10M | Feb 26, 2026 |
| FY2024 | Dec 31, 2022 | $51.72M | Feb 27, 2025 |
| FY2023 | Dec 31, 2021 | $33.69M | Feb 22, 2024 |
| FY2022 | Dec 31, 2020 | $60.22M | Feb 23, 2023 |
| FY2021 | Dec 31, 2019 | $72.31M | Feb 24, 2022 |
| FY2020 | Dec 31, 2018 | $57.94M | Mar 1, 2021 |
| FY2019 | Dec 31, 2017 | $36.45M | Feb 27, 2020 |
| FY2018 | Dec 31, 2016 | $50.84M | Mar 1, 2019 |
Total Assets
The total value of everything the company owns or controls — cash, investments, receivables, property, equipment, and intangibles. Reported as of fiscal year end.
| Fiscal Year | Period End | Value | Filed |
|---|---|---|---|
| FY2025 | Dec 31, 2025 | $73.09B | Feb 26, 2026 |
| FY2025 | Dec 31, 2024 | $50.41B | Feb 26, 2026 |
| FY2024 | Dec 31, 2023 | $44.01B | Feb 27, 2025 |
| FY2023 | Dec 31, 2022 | $38.51B | Feb 22, 2024 |
| FY2022 | Dec 31, 2021 | $42.69B | Feb 23, 2023 |
| FY2021 | Dec 31, 2020 | $33.13B | Feb 24, 2022 |
| FY2020 | Dec 31, 2019 | $26.56B | Mar 1, 2021 |
| FY2019 | Dec 31, 2018 | $23.35B | Feb 27, 2020 |
| FY2018 | Dec 31, 2017 | $21.77B | Mar 1, 2019 |
| FY2017 | Dec 31, 2016 | $20.68B | Feb 22, 2018 |
Total Liabilities
All financial obligations owed to outside parties — including debt, accounts payable, accrued expenses, and deferred revenue. Subtracting liabilities from total assets gives stockholders' equity.
| Fiscal Year | Period End | Value | Filed |
|---|---|---|---|
| FY2025 | Dec 31, 2025 | $65.40B | Feb 26, 2026 |
| FY2025 | Dec 31, 2024 | $46.94B | Feb 26, 2026 |
| FY2024 | Dec 31, 2023 | $40.91B | Feb 27, 2025 |
| FY2023 | Dec 31, 2022 | $35.85B | Feb 22, 2024 |
| FY2022 | Dec 31, 2021 | $39.55B | Feb 23, 2023 |
| FY2021 | Dec 31, 2020 | $30.11B | Feb 24, 2022 |
| FY2020 | Dec 31, 2019 | $23.95B | Mar 1, 2021 |
| FY2019 | Dec 31, 2018 | $21.12B | Feb 27, 2020 |
| FY2018 | Dec 31, 2017 | $19.59B | Mar 1, 2019 |
| FY2017 | Dec 31, 2016 | $18.72B | Feb 22, 2018 |
Stockholders Equity
The net worth attributable to shareholders: total assets minus total liabilities. Also called book value. Can be negative if liabilities exceed assets, which is common in capital-intensive industries.
| Fiscal Year | Period End | Value | Filed |
|---|---|---|---|
| FY2025 | Dec 31, 2025 | $7.69B | Feb 26, 2026 |
| FY2025 | Dec 31, 2024 | $3.47B | Feb 26, 2026 |
| FY2025 | Dec 31, 2023 | $3.10B | Feb 26, 2026 |
| FY2025 | Dec 31, 2022 | $2.67B | Feb 26, 2026 |
| FY2024 | Dec 31, 2021 | $3.15B | Feb 27, 2025 |
| FY2023 | Dec 31, 2020 | $3.02B | Feb 22, 2024 |
| FY2022 | Dec 31, 2019 | $2.61B | Feb 23, 2023 |
| FY2021 | Dec 31, 2018 | $2.23B | Feb 24, 2022 |
| FY2020 | Dec 31, 2017 | $2.18B | Mar 1, 2021 |
| FY2019 | Dec 31, 2016 | $1.96B | Feb 27, 2020 |
Goodwill
An intangible asset representing the premium paid above fair value when acquiring another company. A large goodwill balance signals a history of acquisitions at premium prices.
| Fiscal Year | Period End | Value | Filed |
|---|---|---|---|
| FY2025 | Dec 31, 2025 | $1.84B | Feb 26, 2026 |
| FY2025 | Dec 31, 2024 | $207.39M | Feb 26, 2026 |
| FY2025 | Dec 31, 2023 | $207.39M | Feb 26, 2026 |
| FY2024 | Dec 31, 2022 | $207.39M | Feb 27, 2025 |
| FY2023 | Dec 31, 2021 | $174.52M | Feb 22, 2024 |
| FY2022 | Dec 31, 2020 | $180.87M | Feb 23, 2023 |
| FY2021 | Dec 31, 2019 | $180.87M | Feb 24, 2022 |
| FY2019 | Dec 31, 2018 | $180.87M | Feb 27, 2020 |
| FY2018 | Dec 31, 2017 | $180.87M | Mar 1, 2019 |
| FY2017 | Dec 31, 2016 | $180.87M | Feb 22, 2018 |
Retained Earnings
Cumulative net income kept by the company rather than distributed as dividends. A growing retained earnings balance indicates consistent profitability; a deficit indicates cumulative losses.
| Fiscal Year | Period End | Value | Filed |
|---|---|---|---|
| FY2025 | Dec 31, 2025 | $3.74B | Feb 26, 2026 |
| FY2025 | Dec 31, 2024 | $3.17B | Feb 26, 2026 |
| FY2024 | Dec 31, 2023 | $2.81B | Feb 27, 2025 |
| FY2023 | Dec 31, 2022 | $2.54B | Feb 22, 2024 |
| FY2022 | Dec 31, 2021 | $2.18B | Feb 23, 2023 |
| FY2021 | Dec 31, 2020 | $1.89B | Feb 24, 2022 |
| FY2020 | Dec 31, 2019 | $1.67B | Mar 1, 2021 |
| FY2019 | Dec 31, 2018 | $1.49B | Feb 27, 2020 |
| FY2018 | Dec 31, 2017 | $1.34B | Mar 1, 2019 |
| FY2017 | Dec 31, 2016 | $1.14B | Feb 22, 2018 |
Cash & Equivalents
Highly liquid assets the company holds — cash on hand, bank balances, and short-term investments with maturities of three months or less. A key indicator of short-term financial health.
| Fiscal Year | Period End | Value | Filed |
|---|---|---|---|
| FY2025 | Dec 31, 2025 | $7.77B | Feb 26, 2026 |
| FY2025 | Dec 31, 2024 | $8.45B | Feb 26, 2026 |
| FY2024 | Dec 31, 2023 | $5.53B | Feb 27, 2025 |
| FY2023 | Dec 31, 2022 | $1.56B | Feb 22, 2024 |
| FY2022 | Dec 31, 2021 | $9.21B | Feb 23, 2023 |
| FY2021 | Dec 31, 2020 | $3.50B | Feb 24, 2022 |
| FY2020 | Dec 31, 2019 | $1.67B | Mar 1, 2021 |
| FY2019 | Dec 31, 2018 | $1.67B | Feb 27, 2020 |
| FY2018 | Dec 31, 2017 | $1.72B | Mar 1, 2019 |
| FY2018 | Dec 31, 2016 | $1.06B | Mar 1, 2019 |
Long-Term Debt
Debt obligations due more than one year from the balance sheet date — bonds, term loans, and notes payable. High long-term debt relative to equity can signal elevated financial leverage.
| Fiscal Year | Period End | Value | Filed |
|---|---|---|---|
| FY2025 | Dec 31, 2025 | $474.23M | Feb 26, 2026 |
| FY2025 | Dec 31, 2024 | $385.29M | Feb 26, 2026 |
| FY2024 | Dec 31, 2023 | $383.25M | Feb 27, 2025 |
| FY2023 | Dec 31, 2022 | $381.31M | Feb 22, 2024 |
| FY2022 | Dec 31, 2021 | $271.54M | Feb 23, 2023 |
| FY2021 | Dec 31, 2020 | $269.60M | Feb 24, 2022 |
| FY2020 | Dec 31, 2019 | $70.37M | Mar 1, 2021 |
| FY2019 | Dec 31, 2018 | $82.67M | Feb 27, 2020 |
| FY2018 | Dec 31, 2017 | $79.28M | Mar 1, 2019 |
| FY2017 | Dec 31, 2016 | $76.77M | Feb 22, 2018 |
EPS (Basic)
Net income divided by the weighted average shares outstanding. Basic EPS does not account for dilutive securities like options or convertible bonds — use diluted EPS for a more conservative view.
| Fiscal Year | Period End | Value | Filed |
|---|---|---|---|
| FY2025 | Dec 31, 2025 | 9 | Feb 26, 2026 |
| FY2025 | Dec 31, 2024 | 9 | Feb 26, 2026 |
| FY2025 | Dec 31, 2023 | 7 | Feb 26, 2026 |
| FY2024 | Dec 31, 2022 | 8 | Feb 27, 2025 |
| FY2023 | Dec 31, 2021 | 7 | Feb 22, 2024 |
| FY2022 | Dec 31, 2020 | 5 | Feb 23, 2023 |
| FY2021 | Dec 31, 2019 | 4 | Feb 24, 2022 |
| FY2020 | Dec 31, 2018 | 3 | Mar 1, 2021 |
| FY2019 | Dec 31, 2017 | 5 | Feb 27, 2020 |
| FY2016 | Dec 31, 2016 | 0 | Feb 23, 2017 |
EPS (Diluted)
Net income divided by the fully diluted share count — including all potential shares from options, warrants, and convertible instruments. The more conservative and widely cited EPS figure.
| Fiscal Year | Period End | Value | Filed |
|---|---|---|---|
| FY2025 | Dec 31, 2025 | 9 | Feb 26, 2026 |
| FY2025 | Dec 31, 2024 | 8 | Feb 26, 2026 |
| FY2025 | Dec 31, 2023 | 7 | Feb 26, 2026 |
| FY2024 | Dec 31, 2022 | 8 | Feb 27, 2025 |
| FY2023 | Dec 31, 2021 | 7 | Feb 22, 2024 |
| FY2022 | Dec 31, 2020 | 5 | Feb 23, 2023 |
| FY2021 | Dec 31, 2019 | 4 | Feb 24, 2022 |
| FY2020 | Dec 31, 2018 | 3 | Mar 1, 2021 |
| FY2019 | Dec 31, 2017 | 4 | Feb 27, 2020 |
| FY2016 | Dec 31, 2016 | 0 | Feb 23, 2017 |
Shares Outstanding
Total common shares issued and held by all shareholders, excluding treasury shares. Combined with market price gives market capitalization.
| Fiscal Year | Period End | Value | Filed |
|---|---|---|---|
| FY2025 | Dec 31, 2025 | 75.96M | Feb 26, 2026 |
| FY2025 | Dec 31, 2024 | 48.81M | Feb 26, 2026 |
| FY2024 | Dec 31, 2023 | 48.55M | Feb 27, 2025 |
| FY2023 | Dec 31, 2022 | 48.32M | Feb 22, 2024 |
| FY2022 | Dec 31, 2021 | 48.43M | Feb 23, 2023 |
| FY2021 | Dec 31, 2020 | 48.01M | Feb 24, 2022 |
| FY2020 | Dec 31, 2019 | 49.10M | Mar 1, 2021 |
| FY2019 | Dec 31, 2018 | 49.12M | Feb 27, 2020 |
| FY2018 | Dec 31, 2017 | 49.89M | Mar 1, 2019 |
| FY2017 | Dec 31, 2016 | 49.67M | Feb 22, 2018 |