UMB Financial Corporation (UMBF) Balance Sheet
UMBF balance sheet, 2025
December 31, 2025 · U.S. dollars$73.09B assets = $65.40B liabilities + $7.69B equity
Both columns are drawn to the same scale: what UMBF owns equals what it owes plus shareholders’ equity. Hover a block for its value.
UMBF financial health
Descriptive bands, not a rating. Fiscal 2025.
UMBF balance sheet trends, 2016–2025
| Metric | Trend | Then | Latest | Change |
|---|---|---|---|---|
| Total assets | $20.68B2016 | $73.09B2025 | +15.1%/yr | |
| Total liabilities | $18.72B2016 | $65.40B2025 | +14.9%/yr | |
| Shareholders’ equity | $1.96B2016 | $7.69B2025 | +16.4%/yr | |
| Cash & short-term investments | $7.60B2016 | $952.5M2025 | −20.6%/yr | |
| Total debt | $1.93B2016 | $3.80B2025 | +7.8%/yr | |
| Net cash (debt) | $5.67B2016 | −$2.85B2025 | −$8.5B | |
| Working capital | $3.89B2016 | −$63.97B2025 | −$67.9B | |
| Book value per share | $39.822016 | $100.602025 | +10.8%/yr | |
| Debt / equity | 0.992016 | 0.492025 | −0.49 | |
| Shares outstanding | 49.3M2016 | 76.5M2025 | +5.0%/yr |
Change is the average annual growth (CAGR) or the difference between the first and latest year.
UMBF assets
UMBF liabilities and equity
UMBF debt vs cash
Debt includes short- and long-term borrowings and, where reported, lease obligations.
UMBF balance sheet
| 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 | |
|---|---|---|---|---|---|---|---|---|---|---|
| Assets | ||||||||||
| Cash & short-term investments | $952.5M | $16.33B | $12.68B | $420,000 | $21.23B | $12.84B | $9.15B | $8.24B | $8.00B | $7.60B |
| Cash & equivalents | $952.5M | $8.56B | $5.61B | $1.68B | $9.26B | $3.54B | $1.70B | $1.69B | $1.74B | $1.14B |
| Short-term investments | $8.78B | $7.77B | $7.07B | $7.01B | $11.98B | $9.30B | $7.45B | $6.54B | $6.26B | $6.47B |
| Receivables | $0 | $425.4M | $519.7M | $189.2M | $131.1M | $139.9M | $124.5M | $110.2M | $98.9M | $99.0M |
| Inventory | $0 | $0 | −$966.9M | −$3.11B | −$10.71B | −$5.43B | −$3.50B | $3.3M | $1.5M | $194,000 |
| Other current assets | $0 | $0 | $966.9M | $2.92B | $10.71B | $5.43B | $3.50B | $6.67B | $5.55B | $4.74B |
| Total current assets | $952.5M | $16.76B | $13.20B | $420,000 | $21.36B | $12.98B | $9.27B | $15.02B | $13.65B | $12.44B |
| Property, plant & equipment (net) | $398.3M | $204.6M | $211.3M | $263.6M | $270.9M | $293.1M | $300.3M | $283.9M | $275.9M | $289.0M |
| Goodwill & intangible assets | $2.33B | $288.2M | $308.8M | $286.1M | $188.9M | $201.9M | $208.5M | $195.9M | $201.1M | $262.9M |
| Long-term investments | $19.99B | $13.61B | $13.18B | $13.23B | $13.81B | $26.68B | $22.18B | $20.04B | $18.92B | $18.24B |
| Other non-current assets | $49.42B | $19.55B | $17.12B | $24.73B | $7.06B | $0 | $0 | $0 | $0 | $0 |
| Total assets | $73.09B | $50.41B | $44.01B | $38.51B | $42.69B | $33.13B | $26.56B | $23.35B | $21.77B | $20.68B |
| Liabilities | ||||||||||
| Accounts payable | — | — | — | $239.6M | $35.60B | $319.7M | $232.2M | $177.7M | $191.5M | $173.0M |
| Short-term debt | $3.32B | $2.61B | $3.12B | $2.23B | $3.25B | $2.32B | $1.92B | $1.52B | $1.26B | $1.86B |
| Total current liabilities | $64.93B | $46.12B | $39.30B | $16.31B | $19.59B | $12.21B | $8.88B | $8.23B | $8.10B | $8.55B |
| Long-term debt | $254.2M | $385.3M | $383.2M | $381.3M | $271.5M | $269.6M | $97.5M | $82.7M | $79.3M | $76.8M |
| Other long-term liabilities | $220.0M | $437.6M | $1.23B | $0 | $0 | $0 | $0 | $0 | $0 | $0 |
| Total liabilities | $65.40B | $46.94B | $40.91B | $381.3M | $271.5M | $269.6M | $97.5M | $21.12B | $19.59B | $18.72B |
| Shareholders' equity | ||||||||||
| Common stock & paid-in capital | $78.7M | $55.1M | $55.1M | $55.1M | $55.1M | $55.1M | $55.1M | $55.1M | $55.1M | $55.1M |
| Retained earnings (deficit) | $3.74B | $3.17B | $2.81B | $2.54B | $2.18B | $1.89B | $1.67B | $1.49B | $1.34B | $1.14B |
| Treasury stock | — | — | — | −$347.3M | −$323.5M | −$338.1M | −$278.0M | −$273.8M | −$212.2M | −$211.4M |
| Accumulated other comprehensive income | −$261.5M | −$573.0M | −$556.9M | −$702.7M | $126.3M | $318.3M | $83.2M | −$95.8M | −$45.5M | −$57.5M |
| Minority interest | — | — | — | — | — | — | — | — | $0 | $0 |
| Total shareholders' equity | $7.69B | $3.47B | $3.10B | $38.13B | $42.42B | $32.86B | $26.46B | $2.23B | $2.18B | $1.96B |
| Key figures | ||||||||||
| Total debt | $3.80B | $3.00B | $3.50B | $2.62B | $3.52B | $2.59B | $2.02B | $1.60B | $1.34B | $1.93B |
| Net cash (debt) | −$2.85B | $13.34B | $9.17B | −$2.62B | $17.71B | $10.25B | $7.13B | $6.63B | $6.66B | $5.67B |
| Working capital | −$63.97B | −$29.36B | −$26.11B | −$16.31B | $1.77B | $774.8M | $390.7M | $6.80B | $5.55B | $3.89B |
| Tangible book value | $5.37B | $3.18B | $2.79B | $37.85B | $42.23B | $32.66B | $26.26B | $2.03B | $1.98B | $1.70B |
| Book value per share | $100.60 | $70.66 | $63.58 | $782.22 | $870.40 | $679.67 | $539.09 | $44.77 | $43.77 | $39.82 |
| Shares outstanding | 76.5M | 49.1M | 48.8M | 48.7M | 48.7M | 48.3M | 49.1M | 49.8M | 49.8M | 49.3M |
| Current ratio | 0.01 | 0.36 | 0.34 | 0.00 | 1.09 | 1.06 | 1.04 | 1.83 | 1.68 | 1.45 |
| Quick ratio | 0.01 | 0.36 | 0.34 | 0.01 | 1.09 | 1.06 | 1.04 | 1.01 | 1.00 | 0.90 |
| Debt / equity | 0.49 | 0.86 | 1.13 | 0.07 | 0.08 | 0.08 | 0.08 | 0.72 | 0.61 | 0.99 |
| Equity / assets | 10.5% | 6.9% | 7.0% | 99.0% | 99.4% | 99.2% | 99.6% | 9.5% | 10.0% | 9.5% |
| Jun '26 | Mar '26 | Dec '25 | Sep '25 | Jun '25 | Mar '25 | Dec '24 | Sep '24 | Jun '24 | Mar '24 | Dec '23 | Sep '23 | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Assets | ||||||||||||
| Cash & short-term investments | $779.9M | $735.8M | $952.5M | $17.37B | $11.38B | $21.62B | $16.33B | $14.40B | $12.21B | $13.57B | $12.68B | $10.34B |
| Cash & equivalents | $779.9M | $735.8M | $952.5M | $8.97B | $11.11B | $10.73B | $8.56B | $7.38B | $5.11B | $7.03B | $5.61B | $4.01B |
| Short-term investments | $9.12B | $777.2M | $8.78B | $8.41B | $262.7M | $10.90B | $7.77B | $7.02B | $7.11B | $6.54B | $7.07B | $6.33B |
| Receivables | $0 | $0 | $0 | $439.1M | $507.5M | $471.7M | $425.4M | $422.9M | $476.7M | $465.9M | $519.7M | $478.3M |
| Inventory | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | −$1.19B | −$1.00B | −$13.20B | −$4.78B |
| Other current assets | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $1.19B | $1.00B | $13.20B | $4.78B |
| Total current assets | $779.9M | $735.8M | $952.5M | $17.81B | $11.88B | $22.10B | $16.76B | $14.82B | $12.69B | $14.04B | $13.20B | $10.82B |
| Property, plant & equipment (net) | $397.4M | $391.0M | $398.3M | $398.6M | $395.2M | $391.1M | $204.6M | $222.1M | $226.9M | $231.9M | $211.3M | $249.0M |
| Goodwill & intangible assets | $2.28B | $2.30B | $2.33B | $2.35B | $2.34B | $2.36B | $288.2M | $272.9M | $274.5M | $276.4M | $308.8M | $280.4M |
| Long-term investments | $19.80B | $19.93B | $19.99B | $19.65B | $6.36B | $17.20B | $13.61B | $12.94B | $13.07B | $12.59B | $13.18B | $12.56B |
| Other non-current assets | $49.00B | $49.31B | $49.42B | $31.68B | $50.77B | $27.31B | $19.55B | $19.24B | $18.21B | $18.21B | $17.12B | $17.56B |
| Total assets | $72.26B | $72.67B | $73.09B | $71.88B | $71.76B | $69.35B | $50.41B | $47.50B | $44.47B | $45.34B | $44.01B | $41.46B |
| Liabilities | ||||||||||||
| Short-term debt | $3.08B | $3.55B | $3.32B | $2.84B | $2.93B | $2.56B | $2.61B | $2.27B | $2.72B | $3.23B | $3.12B | $4.06B |
| Total current liabilities | $3.08B | $3.55B | $64.93B | $63.43B | $63.31B | $61.43B | $46.12B | $42.36B | $39.59B | $40.51B | $39.30B | $37.81B |
| Long-term debt | $257.8M | $256.0M | $254.2M | $252.4M | $439.5M | $654.4M | $385.3M | $384.8M | $384.2M | $383.7M | $383.2M | $382.8M |
| Other long-term liabilities | $60.88B | $61.04B | $220.0M | $757.0M | $725.6M | $511.2M | $437.6M | $1.21B | $1.27B | $1.29B | $1.23B | $466.6M |
| Total liabilities | $64.22B | $64.85B | $65.40B | $64.44B | $64.47B | $62.60B | $46.94B | $43.96B | $41.24B | $42.19B | $40.91B | $38.66B |
| Shareholders' equity | ||||||||||||
| Common stock & paid-in capital | $78.7M | $78.7M | $78.7M | $78.7M | $78.7M | $78.7M | $55.1M | $55.1M | $55.1M | $55.1M | $55.1M | $55.1M |
| Retained earnings (deficit) | $4.20B | $3.96B | $3.74B | $3.56B | $3.41B | $3.22B | $3.17B | $3.07B | $2.98B | $2.90B | $2.81B | $2.76B |
| Accumulated other comprehensive income | −$371.5M | −$331.4M | −$261.5M | −$324.8M | −$442.0M | −$492.7M | −$573.0M | −$395.9M | −$605.6M | −$594.5M | −$556.9M | −$792.4M |
| Total shareholders' equity | $8.03B | $7.83B | $7.69B | $7.44B | $7.29B | $6.75B | $3.47B | $3.54B | $3.23B | $3.15B | $3.10B | $2.81B |
| Key figures | ||||||||||||
| Total debt | $3.56B | $4.03B | $3.80B | $3.09B | $3.37B | $3.21B | $3.00B | $2.66B | $3.10B | $3.61B | $3.50B | $4.44B |
| Net cash (debt) | −$2.78B | −$3.29B | −$2.85B | $14.28B | $8.00B | $18.41B | $13.34B | $11.74B | $9.11B | $9.96B | $9.17B | $5.90B |
| Working capital | −$2.30B | −$2.81B | −$63.97B | −$45.62B | −$51.43B | −$39.34B | −$29.36B | −$27.54B | −$26.90B | −$26.48B | −$26.11B | −$26.99B |
| Tangible book value | $5.75B | $5.53B | $5.37B | $5.10B | $4.94B | $4.39B | $3.18B | $3.26B | $2.95B | $2.88B | $2.79B | $2.53B |
| Book value per share | $105.13 | $102.57 | $100.60 | $98.82 | $95.56 | $103.04 | $70.49 | $72.04 | $65.90 | $64.45 | $63.46 | $57.56 |
| Shares outstanding | 76.4M | 76.3M | 76.5M | 75.3M | 76.2M | 65.5M | 49.2M | 49.1M | 49.0M | 48.9M | 48.9M | 48.8M |
| Current ratio | 0.25 | 0.21 | 0.01 | 0.28 | 0.19 | 0.36 | 0.36 | 0.35 | 0.32 | 0.35 | 0.34 | 0.29 |
| Quick ratio | 0.25 | 0.21 | 0.01 | 0.28 | 0.19 | 0.36 | 0.36 | 0.35 | 0.32 | 0.35 | 0.34 | 0.29 |
| Debt / equity | 0.44 | 0.51 | 0.49 | 0.42 | 0.46 | 0.48 | 0.86 | 0.75 | 0.96 | 1.14 | 1.13 | 1.58 |
| Equity / assets | 11.1% | 10.8% | 10.5% | 10.4% | 10.2% | 9.7% | 6.9% | 7.4% | 7.3% | 7.0% | 7.0% | 6.8% |
Quarterly columns are labeled by the month the quarter ended. Figures in U.S. dollars as reported (latest annual report filed February 26, 2026); data from EODHD.
UMBF financial position
At the end of fiscal 2025 (December 31, 2025), UMB Financial had total assets of $73.1 billion (up 45.0% from a year earlier), total liabilities of $65.4 billion and shareholders' equity of $7.7 billion. It held $952.5 million in cash and short-term investments against $3.8 billion of debt, net debt of $2.8 billion. Its current ratio was 0.01. In the latest quarter (ended June 30, 2026) total assets were $72.3 billion and equity $8.0 billion.
Related: UMBF income statement, UMBF cash flow statement, UMBF key metrics. See the UMBF stock overview for the latest quote and news.
UMBF balance sheet FAQ
What are UMB Financial's total assets?
UMB Financial reported total assets of $73.1 billion at the end of fiscal 2025 (December 31, 2025), compared with $50.4 billion a year earlier.
How much debt does UMB Financial have?
UMB Financial had $3.8 billion of total debt at the end of fiscal 2025, including short-term borrowings. Its debt-to-equity ratio was 0.49.
How much cash does UMB Financial have?
UMB Financial held $952.5 million in cash and short-term investments at the end of fiscal 2025; with $3.8 billion of debt that is net debt of $2.8 billion.
What is UMB Financial's book value?
UMB Financial's shareholders' equity (book value) was $7.7 billion at the end of fiscal 2025, or $100.60 per share.
What is UMB Financial's current ratio?
UMB Financial had current assets of $952.5 million and current liabilities of $64.9 billion, a current ratio of 0.01 (current liabilities exceed current assets).
How much goodwill does UMB Financial have?
UMB Financial carried $2.3 billion of goodwill and intangible assets, 3.2% of total assets, at the end of fiscal 2025.