UMB Financial Corp
UMBFNasdaqCIK 101382Financial / Banksfiscal year ends December71 quarters since 2009
Latest quarter Q3 FY2026, filed October 29, 2026. Trailing figures sum the latest four quarters. Market values at the latest close, from a market data vendor.
Share price
Daily candlesticks from November 11, 2024 to November 6, 2026, with each earnings release marked; a release after the close marks the day it came out, so its reaction is the next candle. See this earnings season for every company’s reaction.
The last 16 quarters
Q4 FY2022 to Q3 FY2026, through the filing of October 29, 2026.
Net income losses drawn in red.
Operating cash flow less capital expenditures; negative quarters in red.
Positions at each quarter end, as filed; short-term investments are not included.
Income statement
Last eight quarters, newest first, through Q3 FY2026 filed October 29, 2026.
| Millions of dollars | Q3 FY2026ended Sep 30, 2026filed Oct 29, 2026 | Q2 FY2026ended Jun 30, 2026filed Jul 30, 2026 | Q1 FY2026ended Mar 31, 2026filed Apr 30, 2026 | Q4 FY2025ended Dec 31, 2025filed Feb 26, 2026 | Q3 FY2025ended Sep 30, 2025filed Oct 30, 2025 | Q2 FY2025ended Jun 30, 2025filed Jul 31, 2025 | Q1 FY2025ended Mar 31, 2025filed May 2, 2025 | Q4 FY2024ended Dec 31, 2024filed Feb 27, 2025 | YoYQ3 FY2026vs Q3 FY2025 |
|---|---|---|---|---|---|---|---|---|---|
| Revenue | — | — | — | — | — | — | — | — | — |
| Cost of revenue | — | — | — | — | — | — | — | — | — |
| Gross profit | — | — | — | — | — | — | — | — | — |
| Research and development | — | — | — | — | — | — | — | — | — |
| Selling, general and administrative | — | — | — | — | — | — | — | — | — |
| Operating income | — | — | — | — | — | — | — | — | — |
| Other income (expense) | — | — | — | — | — | — | — | — | — |
| Pretax income | 342 | 350 | 331 | 270 | 237 | 275 | 93 | 145 | +44.5% |
| Income tax | 64 | 73 | 70 | 55 | 48 | 58 | 12 | 25 | +32.4% |
| Net income | 278 | 278 | 261 | 215 | 188 | 217 | 81 | 120 | +47.7% |
| Diluted EPS ($) | 3.56 | 3.56 | 3.35 | — | 2.36 | 2.82 | 1.21 | — | +50.8% |
| Diluted shares (millions) | 77 | 76 | 76 | — | 76 | 76 | 65 | — | — |
Fourth quarters are the fiscal year less the first nine months when the filer reports no discrete fourth quarter, and are marked. Diluted EPS is never derived, so a derived quarter shows none. Italic figures are derived.
Balance sheet
Last eight quarters, newest first, through Q3 FY2026 filed October 29, 2026.
| Millions of dollars | Q3 FY2026ended Sep 30, 2026filed Oct 29, 2026 | Q2 FY2026ended Jun 30, 2026filed Jul 30, 2026 | Q1 FY2026ended Mar 31, 2026filed Apr 30, 2026 | Q4 FY2025ended Dec 31, 2025filed Feb 26, 2026 | Q3 FY2025ended Sep 30, 2025filed Oct 30, 2025 | Q2 FY2025ended Jun 30, 2025filed Jul 31, 2025 | Q1 FY2025ended Mar 31, 2025filed May 2, 2025 | Q4 FY2024ended Dec 31, 2024filed Feb 27, 2025 | YoYQ3 FY2026vs Q3 FY2025 |
|---|---|---|---|---|---|---|---|---|---|
| Cash and equivalents | 4,601 | 5,610 | 6,261 | 7,772 | 8,841 | 10,996 | 10,610 | 8,449 | −48.0% |
| Short-term investments | — | — | — | — | — | — | — | — | — |
| Total current assets | — | — | — | — | — | — | — | — | — |
| Total assets | 72,738 | 72,256 | 72,674 | 73,094 | 71,881 | 71,760 | 69,347 | 50,410 | +1.2% |
| Total current liabilities | — | — | — | — | — | — | — | — | — |
| Long-term debt | 333 | 480 | 477 | 474 | 471 | 657 | 654 | 385 | −29.3% |
| Total liabilities | 64,885 | 64,225 | 64,847 | 65,401 | 64,437 | 64,474 | 62,599 | 46,943 | +0.7% |
| Stockholders’ equity | 7,853 | 8,031 | 7,827 | 7,694 | 7,444 | 7,286 | 6,748 | 3,467 | +5.5% |
| Shares outstanding (millions) | 76 | 76 | 76 | 76 | 76 | 76 | 76 | 73 | — |
Positions at each period end. Nothing on this statement is derived. Long-term debt is the filed noncurrent line only; no total-debt composite is constructed across filers. Italic figures are derived.
Cash flow statement
Last eight quarters, newest first, through Q3 FY2026 filed October 29, 2026.
| Millions of dollars | Q3 FY2026ended Sep 30, 2026filed Oct 29, 2026 | Q2 FY2026ended Jun 30, 2026filed Jul 30, 2026 | Q1 FY2026ended Mar 31, 2026filed Apr 30, 2026 | Q4 FY2025ended Dec 31, 2025filed Feb 26, 2026 | Q3 FY2025ended Sep 30, 2025filed Oct 30, 2025 | Q2 FY2025ended Jun 30, 2025filed Jul 31, 2025 | Q1 FY2025ended Mar 31, 2025filed May 2, 2025 | Q4 FY2024ended Dec 31, 2024filed Feb 27, 2025 | YoYQ3 FY2026vs Q3 FY2025 |
|---|---|---|---|---|---|---|---|---|---|
| Operating cash flow | 370 | 349 | 361 | 106 | 272 | 285 | 363 | (67) | +36.1% |
| Capital expenditures | 12 | 18 | 5 | 11 | 14 | 15 | 9 | 10 | −19.8% |
| Free cash flow (CFO − capex) | 359 | 331 | 357 | 95 | 258 | 271 | 354 | (77) | +39.2% |
| Depreciation and amortization | 35 | 35 | 35 | 37 | 37 | 38 | 29 | 13 | −6.3% |
| Share repurchases | 0 | 5 | 33 | 0 | 2 | 0 | 15 | 0 | −100.0% |
| Dividends paid | 44 | 39 | 40 | 41 | 33 | 32 | 30 | 20 | +34.7% |
10-Qs file cash flows as year-to-date totals, so quarterly figures are differenced from consecutive filings and marked. Free cash flow is operating cash flow less capital expenditures, computed from the two filed lines. Italic figures are derived.
Annual statements
Every fiscal year filed, newest first, through FY2025 filed February 26, 2026.
Income statement
| Millions of dollars | FY2025ended Dec 31, 2025filed Feb 26, 2026 | FY2024ended Dec 31, 2024filed Feb 27, 2025 | FY2023ended Dec 31, 2023filed Feb 22, 2024 | FY2022ended Dec 31, 2022filed Feb 23, 2023 | FY2021ended Dec 31, 2021filed Feb 24, 2022 | FY2020ended Dec 31, 2020filed Mar 1, 2021 | FY2019ended Dec 31, 2019filed Feb 27, 2020 | FY2018ended Dec 31, 2018filed Mar 1, 2019 | FY2017ended Dec 31, 2017filed Feb 22, 2018 | FY2016ended Dec 31, 2016filed Feb 23, 2017 | FY2015ended Dec 31, 2015filed Feb 25, 2016 | FY2014ended Dec 31, 2014filed Feb 27, 2015 | FY2013ended Dec 31, 2013filed Feb 25, 2014 | FY2012ended Dec 31, 2012filed Feb 25, 2013 | FY2011ended Dec 31, 2011filed Feb 28, 2012 | FY2010ended Dec 31, 2010filed Feb 24, 2011 | FY2009ended Dec 31, 2009filed May 5, 2010 | FY2008ended Dec 31, 2008filed May 5, 2010 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — |
| Cost of revenue | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — |
| Gross profit | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — |
| Research and development | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — |
| Selling, general and administrative | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — |
| Operating income | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — |
| Other income (expense) | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — |
| Pretax income | 875 | 541 | 422 | 532 | 429 | 339 | 286 | 224 | 236 | 199 | 128 | 166 | 184 | 170 | 146 | 127 | 120 | 140 |
| Income tax | 173 | 100 | 72 | 100 | 76 | 52 | 42 | 27 | 53 | 45 | 32 | 45 | 50 | 48 | 40 | 36 | 31 | 42 |
| Net income | 702 | 441 | 350 | 432 | 353 | 287 | 244 | 196 | 247 | 159 | 116 | 121 | 134 | 123 | 106 | 91 | 89 | 98 |
| Diluted EPS ($) | 9.29 | 8.99 | 7.18 | 8.86 | 7.24 | 5.93 | 4.96 | 3.93 | 4.96 | 3.22 | 2.44 | 2.65 | 3.20 | 3.04 | 2.64 | 2.26 | 2.20 | 2.38 |
| Diluted shares (millions) | 74 | 49 | 49 | 49 | 49 | 48 | 49 | 50 | 50 | 49 | 48 | 45 | 42 | 40 | 40 | 40 | 41 | — |
Balance sheet
| Millions of dollars | FY2025ended Dec 31, 2025filed Feb 26, 2026 | FY2024ended Dec 31, 2024filed Feb 27, 2025 | FY2023ended Dec 31, 2023filed Feb 22, 2024 | FY2022ended Dec 31, 2022filed Feb 23, 2023 | FY2021ended Dec 31, 2021filed Feb 24, 2022 | FY2020ended Dec 31, 2020filed Mar 1, 2021 | FY2019ended Dec 31, 2019filed Feb 27, 2020 | FY2018ended Dec 31, 2018filed Mar 1, 2019 | FY2017ended Dec 31, 2017filed Feb 22, 2018 | FY2016ended Dec 31, 2016filed Feb 23, 2017 | FY2015ended Dec 31, 2015filed Feb 25, 2016 | FY2014ended Dec 31, 2014filed Feb 27, 2015 | FY2013ended Dec 31, 2013filed Feb 25, 2014 | FY2012ended Dec 31, 2012filed Feb 25, 2013 | FY2011ended Dec 31, 2011filed Feb 28, 2012 | FY2010ended Dec 31, 2010filed Feb 24, 2011 | FY2009ended Dec 31, 2009filed May 5, 2010 | FY2008ended Dec 31, 2008filed May 5, 2010 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Cash and 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 |
| Short-term investments | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — |
| Total current assets | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — |
| 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 | — |
| Total current liabilities | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — |
| Long-term debt | 474 | 385 | 383 | 381 | 272 | 270 | 70 | 83 | 79 | 77 | 86 | 9 | 5 | 6 | 7 | 9 | 25 | — |
| 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 | — |
| Stockholders’ 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 |
| Shares outstanding (millions) | 76 | 73 | 49 | 49 | 48 | 48 | 49 | 49 | 50 | 50 | 50 | 46 | 45 | 41 | 41 | 41 | 40 | — |
Cash flow statement
| Millions of dollars | FY2025ended Dec 31, 2025filed Feb 26, 2026 | FY2024ended Dec 31, 2024filed Feb 27, 2025 | FY2023ended Dec 31, 2023filed Feb 22, 2024 | FY2022ended Dec 31, 2022filed Feb 23, 2023 | FY2021ended Dec 31, 2021filed Feb 24, 2022 | FY2020ended Dec 31, 2020filed Mar 1, 2021 | FY2019ended Dec 31, 2019filed Feb 27, 2020 | FY2018ended Dec 31, 2018filed Mar 1, 2019 | FY2017ended Dec 31, 2017filed Feb 22, 2018 | FY2016ended Dec 31, 2016filed Feb 23, 2017 | FY2015ended Dec 31, 2015filed Feb 25, 2016 | FY2014ended Dec 31, 2014filed Feb 27, 2015 | FY2013ended Dec 31, 2013filed Feb 25, 2014 | FY2012ended Dec 31, 2012filed Feb 25, 2013 | FY2011ended Dec 31, 2011filed Feb 28, 2012 | FY2010ended Dec 31, 2010filed Feb 24, 2011 | FY2009ended Dec 31, 2009filed May 5, 2010 | FY2008ended Dec 31, 2008filed May 5, 2010 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Operating cash flow | 1,027 | 225 | 473 | 770 | 534 | 374 | 340 | 296 | 327 | 296 | 212 | — | 295 | 224 | 213 | 180 | 147 | 134 |
| Capital expenditures | 49 | 20 | 23 | 52 | 34 | 60 | 72 | 58 | 36 | 51 | 54 | 45 | 38 | 44 | 36 | 33 | 23 | 21 |
| Free cash flow (CFO − capex) | 978 | 205 | 450 | 718 | 500 | 313 | 268 | 238 | 290 | 246 | 158 | — | 257 | 180 | 177 | 147 | 123 | 113 |
| Depreciation and amortization | 142 | 53 | 59 | 54 | 56 | 63 | 56 | 53 | 55 | 55 | 53 | 46 | 44 | 41 | 43 | 39 | 38 | 38 |
| Share repurchases | 18 | 8 | 8 | 32 | 6 | 64 | 4 | 77 | 15 | 16 | 8 | 6 | 4 | 20 | 9 | 9 | 27 | 23 |
| Dividends paid | 136 | 77 | 74 | 72 | 67 | 60 | 59 | 58 | 52 | 49 | 46 | 41 | 36 | 34 | 32 | 30 | 29 | 27 |
Insider activity
Form 4 filings by officers, directors and 10% owners, November 9, 2024 to November 9, 2026. Only open-market purchases and sales count as buys and sells; awards, exercises, tax withholding and gifts are listed in grey and never counted.
The last 25 transactions
| Traded | Insider | Role | Transaction | Shares | Price | Value | Held after | Filed |
|---|---|---|---|---|---|---|---|---|
| Nov 3, 2026 | Davidson Janine | Director | gift | 150 | $0.00 | — | 4,792 | Nov 4, 2026 |
| Nov 2, 2026 | Peterman Tamara | Director | open-market buy | 201 | $137.02 | $28K | 10,922 | Nov 4, 2026 |
| Nov 2, 2026 | Graves Greg M | Director | open-market buy | 292 | $137.02 | $40K | 40,893 | Nov 4, 2026 |
| Nov 2, 2026 | Kemper J Mariner | Chairman and CEO, Director | giftindirect | 15,062 | $0.00 | — | 1M | Nov 3, 2026 |
| Nov 2, 2026 | Kemper J Mariner | Chairman and CEO, Director | giftindirect | 15,062 | $0.00 | — | 27,620 | Nov 3, 2026 |
| Oct 31, 2026 | Kemper J Mariner | Chairman and CEO, Director | tax withholding | 815 | $134.47 | $110K | 327,909 | Nov 3, 2026 |
| Oct 30, 2026 | Gallagher Kevin Charles | Director | open-market sale | 370 | $134.82 | $50K | 11,493 | Oct 30, 2026 |
| Sep 1, 2026 | Peterman Tamara | Director | open-market buy | 394 | $139.60 | $55K | 10,680 | Sep 3, 2026 |
| Sep 1, 2026 | Graves Greg M | Director | open-market buy | 573 | $139.60 | $80K | 40,463 | Sep 3, 2026 |
| Aug 17, 2026 | Terry Thomas S | Chief Credit Officer | open-market sale | 5,713 | $151.77 | $867K | 30,689 | Aug 18, 2026 |
| Aug 17, 2026 | Shankar Ram | Chief Financial Officer | open-market sale | 2,000 | $151.61 | $303K | 30,389 | Aug 18, 2026 |
| Aug 6, 2026 | Murphy Susan G | Director | open-market sale | 475 | $145.66 | $69K | 11,537 | Aug 7, 2026 |
| Aug 6, 2026 | Murphy Susan G | Director | open-market sale | 902 | $145.50 | $131K | 10,635 | Aug 7, 2026 |
| Aug 5, 2026 | Odgers David Carl | Chief Accounting Officer | open-market sale | 145 | $147.30 | $21K | 6,538 | Aug 6, 2026 |
| Aug 4, 2026 | Kemper J Mariner | Chairman and CEO, Director | open-market saleindirect | 15,062 | $148.55 | $2M | 1M | Aug 6, 2026 |
| Aug 4, 2026 | Wilson Uma | Executive Vice President | open-market sale | 4,145 | $148.00 | $613K | 20,270 | Aug 4, 2026 |
| Aug 4, 2026 | Newton Nikki Farentino | President, Private Wealth Mgmt | open-market sale | 1,999 | $148.60 | $297K | 11,982 | Aug 4, 2026 |
| Aug 4, 2026 | Newton Nikki Farentino | President, Private Wealth Mgmt | open-market sale | 1 | $148.72 | $149 | 11,981 | Aug 4, 2026 |
| Aug 4, 2026 | Mason Phillip James | President, Inst. Banking | open-market sale | 800 | $147.00 | $118K | 8,894 | Aug 4, 2026 |
| Aug 3, 2026 | Kemper J Mariner | Chairman and CEO, Director | giftindirect | 9,761 | $0.00 | — | 9,761 | Aug 4, 2026 |
| Aug 3, 2026 | Kemper J Mariner | Chairman and CEO, Director | open-market saleindirect | 4,200 | $147.27 | $619K | 5,561 | Aug 4, 2026 |
| Jul 31, 2026 | Beaird Robert Brian | Chief Human Resource Officer | open-market sale | 1,600 | $144.40 | $231K | 8,943 | Jul 31, 2026 |
| Jul 31, 2026 | Gallagher Kevin Charles | Director | open-market sale | 360 | $145.13 | $52K | 11,863 | Jul 31, 2026 |
| Jun 10, 2026 | Gallagher Kevin Charles | Director | open-market sale | 381 | $132.88 | $51K | 12,223 | Jun 10, 2026 |
| Jun 10, 2026 | Wilson Uma | Executive Vice President | option exercise | 922 | $75.25 | $69K | 25,337 | Jun 10, 2026 |
Full insider history for UMB Financial Corp, or insider activity across all companies. A record of filings, not a recommendation.
Sources
Fiscal year ends in month 12; periods are labeled with the issuer's own fiscal calendar. Values are as most recently filed (restatements apply; per-share values are on current split basis per the connector's split table, flagged in adjusted). Flow items flagged in `derived` were computed (Q4 = FY − nine months; quarterly cash flow differenced from year-to-date filings) rather than read from a filing. `reconciliation.repaired` lists periods where a full-year figure was filed in a quarter slot: that row was dropped and the quarter rebuilt from the annual figure. `reconciliation.quarantined` lists periods where four filed quarters do not sum to the filed year — those quarterly values are withheld, so a blank there is a withholding rather than an absence of reporting.
- Filer
- UMB FINANCIAL CORP, CIK 101382 on EDGAR
- Extract generated
- November 8, 2026
- Withheld
- 4 line-years whose four quarters do not sum to the filed year: income tax FY2011, income tax FY2012, income tax FY2013, income tax FY2015
- Repaired
- none
XBRL concepts behind each line
Income statement
IncomeLossFromContinuingOperationsBeforeIncomeTaxesExtraordinaryItemsNoncontrollingInterest, IncomeLossFromContinuingOperationsBeforeIncomeTaxesMinorityInterestAndIncomeLossFromEquityMethodInvestmentsIncomeTaxExpenseBenefitNetIncomeLossEarningsPerShareDilutedWeightedAverageNumberOfDilutedSharesOutstandingBalance sheet
CashAndCashEquivalentsAtCarryingValueAssetsLongTermDebtLiabilitiesStockholdersEquitydei:EntityCommonStockSharesOutstandingCash flow statement
NetCashProvidedByUsedInOperatingActivitiesPaymentsToAcquirePropertyPlantAndEquipmentDepreciationAmortizationAndAccretionNet, DepreciationAndAmortization, DepreciationDepletionAndAmortizationPaymentsForRepurchaseOfCommonStockPaymentsOfDividendsThe data
The statements on this page as files, generated November 8, 2026.
- JSON file
/data/financials/UMBF.json