UMB Financial Corporation (UMBF) Income Statement
UMBF 2025 at a glance
Fiscal year ended December 31, 2025 · U.S. dollarsUMBF revenue and net income
Where UMBF's revenue goes
2025Each bar shows an amount and its share of revenue. UMBF kept 15.8% of revenue as net income.
UMBF profit margins
UMBF growth rates
to 2025| 1 year | 3 years | 5 years | 10 years | |
|---|---|---|---|---|
| Revenue | +68.5% | +41.1% | +28.0% | +19.6% |
| Gross profit | +72.0% | +22.3% | +17.3% | +13.0% |
| Operating income | +66.3% | +19.2% | +21.6% | +21.5% |
| Net income | +59.2% | +17.6% | +19.6% | +19.7% |
| EPS (diluted) | +2.6% | +2.6% | +9.4% | +13.9% |
1-year change and average annual growth (CAGR) over 3, 5 and 10 fiscal years. "—" when a starting value was zero or negative.
UMBF quarterly EPS vs estimates
UMB Financial beat the analyst EPS estimate in 8 of the last 8 quarters. Next report: October 27, 2026 (estimate $3.22).
UMBF income statement
| 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 | |
|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | $4.44B | $2.64B | $2.24B | $1.58B | $1.24B | $1.30B | $1.22B | $1.07B | $978.7M | $868.8M |
| Cost of revenue | $2.03B | $1.23B | $959.8M | $261.6M | $66.0M | $207.8M | $224.8M | $192.3M | $99.0M | $60.2M |
| Gross profit | $2.42B | $1.41B | $1.28B | $1.32B | $1.18B | $1.09B | $994.9M | $876.9M | $879.7M | $808.6M |
| Research & development | — | — | — | — | — | — | — | $0 | $0 | $0 |
| Sales, general & admin | $1.14B | $622.4M | $579.2M | $550.1M | $523.0M | $536.0M | $517.9M | $472.3M | $468.0M | $444.0M |
| Total operating expenses | $1.52B | $864.5M | $863.1M | $789.5M | $746.9M | $748.8M | $708.9M | $653.3M | $643.3M | $610.0M |
| Operating income | $900.0M | $541.3M | $421.6M | $532.0M | $429.1M | $338.9M | $286.0M | $223.6M | $236.3M | $198.6M |
| Interest income | $3.35B | $2.17B | $1.84B | $1.14B | $861.5M | $808.5M | $862.9M | $732.0M | $616.9M | $523.0M |
| Interest expense | $1.49B | $1.17B | $918.6M | $223.7M | $46.0M | $77.3M | $192.0M | $121.5M | $58.0M | $27.7M |
| Income before taxes | $875.0M | $541.3M | $421.6M | $532.0M | $429.1M | $338.9M | $286.0M | $223.6M | $236.3M | $198.6M |
| Income taxes | $172.6M | $100.0M | $71.6M | $100.3M | $76.0M | $52.4M | $42.4M | $27.3M | $53.4M | $45.0M |
| Net income | $702.4M | $441.2M | $350.0M | $431.7M | $353.0M | $286.5M | $243.6M | $195.5M | $247.1M | $158.8M |
| EBITDA | $1.04B | $594.0M | $480.3M | $586.0M | $484.8M | $401.7M | $342.2M | $276.7M | $291.2M | $253.1M |
| EPS (diluted) | $9.61 | $9.37 | $8.15 | $8.89 | $7.28 | $6.14 | $4.99 | $4.02 | $3.72 | $3.37 |
| Gross margin | 54.4% | 53.3% | 57.2% | 83.5% | 94.7% | 84.0% | 81.6% | 82.0% | 89.9% | 93.1% |
| Operating margin | 20.3% | 20.5% | 18.8% | 33.6% | 34.5% | 26.2% | 23.4% | 20.9% | 24.1% | 22.9% |
| Net margin | 15.8% | 16.7% | 15.6% | 27.3% | 28.4% | 22.1% | 20.0% | 18.3% | 25.2% | 18.3% |
| Jun '26 | Mar '26 | Dec '25 | Sep '25 | Jun '25 | Mar '25 | Dec '24 | Sep '24 | Jun '24 | Mar '24 | Dec '23 | Sep '23 | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | $1.12B | $867.1M | $1.09B | $1.49B | $1.02B | $850.5M | $680.2M | $674.3M | $641.7M | $640.8M | $600.9M | $570.4M |
| Cost of revenue | $366.8M | $332.7M | $364.4M | $830.8M | $404.5M | $426.3M | $305.0M | $328.3M | $307.2M | $290.6M | $266.1M | $254.7M |
| Gross profit | $750.0M | $534.4M | $720.9M | $660.4M | $612.2M | $424.2M | $375.2M | $345.9M | $334.5M | $350.2M | $334.8M | $315.8M |
| Sales, general & admin | $260.4M | $357.4M | $243.9M | $434.9M | $224.9M | $229.4M | $170.1M | $153.8M | $149.5M | $149.0M | $140.9M | $140.0M |
| Total operating expenses | $398.0M | $407.9M | $425.6M | $423.9M | $337.2M | $331.1M | $230.4M | $210.3M | $207.5M | $216.3M | $254.0M | $196.6M |
| Operating income | $350.4M | $126.5M | $295.3M | $236.6M | $275.0M | $93.0M | $144.8M | $135.7M | $126.9M | $133.9M | $80.8M | $119.2M |
| Interest income | $871.4M | $867.1M | $886.9M | $878.9M | $850.5M | $738.0M | $555.0M | $557.7M | $538.3M | $520.1M | $496.6M | $472.0M |
| Interest expense | $338.8M | $332.7M | $364.4M | $403.9M | $383.5M | $340.3M | $286.0M | $310.3M | $293.2M | $280.6M | $266.1M | $249.7M |
| Income before taxes | $350.4M | $331.3M | $270.3M | $236.6M | $275.0M | $93.0M | $144.8M | $135.7M | $126.9M | $133.9M | $80.8M | $119.2M |
| Income taxes | $72.8M | $69.8M | $55.0M | $48.2M | $57.6M | $11.7M | $24.8M | $26.0M | $25.6M | $23.6M | $9.9M | $22.6M |
| Net income | $277.6M | $261.4M | $215.4M | $188.3M | $217.4M | $81.3M | $120.0M | $109.6M | $101.3M | $110.3M | $70.9M | $96.6M |
| EBITDA | $385.5M | $161.6M | $332.7M | $273.6M | $313.0M | $122.4M | $157.5M | $148.6M | $140.2M | $147.7M | $94.9M | $134.0M |
| EPS (diluted) | $3.57 | $3.41 | $2.74 | $2.70 | $2.96 | $1.21 | $2.49 | $2.25 | $2.16 | $2.47 | $2.29 | $2.02 |
| Gross margin | 67.2% | 61.6% | 66.4% | 44.3% | 60.2% | 49.9% | 55.2% | 51.3% | 52.1% | 54.6% | 55.7% | 55.4% |
| Operating margin | 31.4% | 14.6% | 27.2% | 15.9% | 27.1% | 10.9% | 21.3% | 20.1% | 19.8% | 20.9% | 13.4% | 20.9% |
| Net margin | 24.9% | 30.2% | 19.8% | 12.6% | 21.4% | 9.6% | 17.6% | 16.3% | 15.8% | 17.2% | 11.8% | 16.9% |
Quarterly columns are labeled by the month the quarter ended. Figures in U.S. dollars as reported in UMBF's financial statements (latest annual report filed February 26, 2026); data from EODHD. Sales, general & administrative expenses include sales and marketing.
UMBF financial results
In fiscal year 2025 (ended December 31, 2025), UMB Financial reported revenue of $4.4 billion, up 68.5% from the year before. It had net income of $702.4 million (up 59.2%), a net profit margin of 15.8%. Diluted earnings per share came to $9.61. Over five years revenue grew at an average rate of 28.0% a year.
See the UMBF stock overview for the latest quote and news, or the UMBF chart for price history and technical indicators.
UMBF income statement FAQ
What is UMB Financial's annual revenue?
UMB Financial reported total revenue of $4.4 billion for fiscal year 2025, which ended on December 31, 2025. That was up 68.5% from $2.6 billion the previous year.
Is UMB Financial profitable?
Yes. UMB Financial reported net income of $702.4 million in fiscal 2025, a net profit margin of 15.8%; its operating margin was 20.3%.
What is UMB Financial's gross margin?
UMB Financial's gross margin was 54.4% in fiscal 2025: for every $100 of revenue, UMB Financial kept $54 after the direct cost of its products and services.
How fast is UMB Financial growing?
Revenue grew 28.0% a year on average over the last five fiscal years, from $1.3 billion to $4.4 billion.
What are UMB Financial's earnings per share?
UMB Financial earned $9.61 per diluted share in fiscal 2025, compared with $9.37 a year earlier.
When will UMB Financial report its next earnings?
UMB Financial is expected to report results for the quarter ending September 30, 2026 on October 27, 2026 after the market closes.
When does UMB Financial's fiscal year end?
UMB Financial's fiscal year ends in December. The latest annual report covers the year ended December 31, 2025 and was filed on February 26, 2026.