UMB Financial Corporation (UMBF) Income Statement Analysis

See more : Lindblad Expeditions Holdings, Inc. (LIND) Income Statement Analysis – Financial Results

Complete financial analysis of UMB Financial Corporation (UMBF) income statement, including revenue, profit margins, EPS and key performance metrics. Get detailed insights into the financial performance of UMB Financial Corporation, a leading company in the Banks – Regional industry within the Financial Services sector.

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UMB Financial Corporation (UMBF)

Industry: Banks - Regional

Sector: Financial Services

Website: https://www.umb.com

About UMB Financial Corporation

UMB Financial Corporation operates as the bank holding company for the UMB Bank that provides various banking and other financial services. The Commercial Banking segment provides commercial loans and credit card; commercial real estate financing; letters of credit; loan syndication, and consultative service; various business solutions including asset-based lending, accounts receivable financing, mezzanine debt, and minority equity investment; and treasury management service, such as depository service, account reconciliation, cash management tool, accounts payable and receivable solution, electronic fund transfer and automated payment, controlled disbursement, lockbox service, and remote deposit capture service. The Institutional Banking segment offers asset management and healthcare service provided to institutional client; and fund administration and accounting, investor service and transfer agency, marketing and distribution, custody, alternative investment service, fixed income sale, trading and underwriting, and corporate trust and escrow service, as well as institutional custody service. This segment also provides healthcare payment solution includes custodial service for health saving accounts and private label, multipurpose debit cards to insurance carriers, third-party administrator, software companies, employers, and financial institutions. The Personal Banking segment offers deposit account, retail credit card, private banking, installment loan, home equity line of credit, residential mortgage, and small business loan, as well as internet banking, ATM network, private banking, brokerage and insurance service, and advisory and trust service. It operates through a network of branches and offices in the states of Missouri, Kansas, Colorado, Illinois, Oklahoma, Texas, Arizona, Nebraska, Iowa, Pennsylvania, South Dakota, Indiana, Utah, Minnesota, California, and Wisconsin. The company was founded in 1913 and is headquartered in Kansas City, Missouri.

Metric	2023	2022	2021	2020	2019	2018	2017	2016	2015	2014	2013	2012	2011	2010	2009	2008	2007	2006	2005	2004	2003	2002	2001	2000	1999	1998	1997	1996	1995	1994	1993	1992	1991	1990	1989	1988	1987	1986	1985
Revenue	1.33B	221.92M	1.20B	1.22B	1.03B	947.65M	920.67M	905.41M	806.91M	773.10M	748.93M	708.83M	731.31M	670.98M	613.16M	587.83M	521.47M	472.17M	440.16M	406.91M	442.65M	450.24M	461.77M	431.12M	401.76M	379.00M	366.30M	342.90M	343.30M	330.60M	295.60M	243.10M	225.20M	210.50M	200.20M	0.00	0.00	0.00	0.00
Cost of Revenue	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
Gross Profit	1.33B	221.92M	1.20B	1.22B	1.03B	947.65M	920.67M	905.41M	806.91M	773.10M	748.93M	708.83M	731.31M	670.98M	613.16M	587.83M	521.47M	472.17M	440.16M	406.91M	442.65M	450.24M	461.77M	431.12M	401.76M	379.00M	366.30M	342.90M	343.30M	330.60M	295.60M	243.10M	225.20M	210.50M	200.20M	0.00	0.00	0.00	0.00
Gross Profit Ratio	100.00%	100.00%	100.00%	100.00%	100.00%	100.00%	100.00%	100.00%	100.00%	100.00%	100.00%	100.00%	100.00%	100.00%	100.00%	100.00%	100.00%	100.00%	100.00%	100.00%	100.00%	100.00%	100.00%	100.00%	100.00%	100.00%	100.00%	100.00%	100.00%	100.00%	100.00%	100.00%	100.00%	100.00%	100.00%	0.00%	0.00%	0.00%	0.00%
Research & Development	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
General & Administrative	553.42M	524.43M	531.32M	521.28M	491.63M	447.89M	446.53M	466.01M	437.18M	389.43M	369.21M	350.34M	342.92M	359.05M	306.78M	227.94M	206.88M	193.98M	190.20M	189.88M	196.89M	203.46M	198.70M	184.00M	166.58M	164.00M	141.60M	131.40M	122.60M	120.10M	106.30M	87.90M	80.80M	75.40M	70.20M	0.00	0.00	0.00	0.00
Selling & Marketing	25.75M	25.70M	18.53M	14.68M	26.26M	24.37M	21.47M	22.34M	23.73M	24.15M	22.70M	24.60M	20.15M	18.35M	15.45M	19.43M	15.44M	14.84M	13.31M	15.31M	13.55M	14.84M	15.79M	20.94M	16.79M	17.40M	17.70M	15.30M	13.10M	15.60M	13.60M	10.60M	8.40M	11.10M	11.10M	0.00	0.00	0.00	0.00
SG&A	579.17M	550.13M	549.86M	535.96M	517.89M	472.26M	468.00M	488.35M	460.91M	413.57M	391.91M	374.95M	363.07M	377.40M	322.22M	227.94M	222.33M	208.82M	203.51M	205.18M	210.44M	218.29M	214.49M	204.94M	183.37M	181.40M	159.30M	146.70M	135.70M	135.70M	119.90M	98.50M	89.20M	86.50M	81.30M	0.00	0.00	0.00	0.00
Other Expenses	746.73M	-251.50M	-1.32B	-1.42B	-1.26B	-1.08B	-982.65M	-166.29M	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	-440.18M	-351.58M	-314.75M	-297.30M	-264.00M	-239.50M	-243.60M	-259.80M	-234.60M	-162.70M	-89.30M	-51.70M	-46.30M	34.50M	32.30M	31.10M	30.30M
Operating Expenses	1.33B	25.70M	-766.93M	-879.34M	-741.76M	-603.29M	-514.65M	22.34M	23.73M	24.15M	22.70M	24.60M	20.15M	18.35M	15.45M	19.43M	15.44M	14.84M	13.31M	15.31M	13.55M	14.84M	-225.70M	-146.63M	-131.38M	-115.90M	-104.70M	-92.80M	-107.90M	-124.10M	-114.70M	-64.20M	-100.00K	34.80M	35.00M	34.50M	32.30M	31.10M	30.30M
Cost & Expenses	1.33B	25.70M	-766.93M	-879.34M	-741.76M	-603.29M	-514.65M	22.34M	23.73M	24.15M	22.70M	24.60M	20.15M	18.35M	15.45M	19.43M	15.44M	14.84M	13.31M	15.31M	13.55M	14.84M	-225.70M	-146.63M	-131.38M	-115.90M	-104.70M	-92.80M	-107.90M	-124.10M	-114.70M	-64.20M	-100.00K	34.80M	35.00M	34.50M	32.30M	31.10M	30.30M
Interest Income	1.84B	1.14B	861.52M	808.49M	862.89M	731.96M	616.91M	523.03M	430.68M	363.87M	348.34M	339.69M	343.65M	346.51M	356.22M	387.97M	414.41M	369.08M	271.91M	220.40M	239.76M	294.48M	384.84M	430.81M	407.18M	409.60M	393.30M	372.10M	357.10M	323.30M	283.20M	253.40M	298.20M	317.80M	303.90M	0.00	0.00	0.00	0.00
Interest Expense	918.59M	223.72M	46.00M	77.26M	191.99M	121.52M	58.00M	27.71M	18.61M	13.82M	15.07M	19.63M	26.68M	35.89M	53.23M	112.92M	181.73M	151.86M	83.62M	40.35M	42.68M	76.45M	145.14M	196.38M	183.32M	187.10M	171.80M	164.60M	157.80M	136.10M	119.70M	123.80M	171.70M	196.90M	184.70M	0.00	0.00	0.00	0.00
Depreciation & Amortization	58.72M	51.84M	54.36M	62.62M	56.31M	53.16M	52.93M	50.60M	12.09M	12.19M	13.22M	14.78M	16.10M	11.14M	6.17M	3.11M	32.22M	33.72M	45.86M	59.68M	58.02M	41.17M	26.91M	37.64M	1.45M	13.40M	39.20M	23.80M	23.40M	22.30M	56.10M	14.00M	12.50M	13.10M	13.80M	0.00	0.00	0.00	0.00
EBITDA	0.00	586.03M	487.57M	401.69M	342.27M	276.71M	291.22M	253.15M	212.04M	211.17M	227.65M	211.07M	189.29M	166.23M	159.90M	179.21M	0.00	0.00	122.18M	112.36M	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	34.50M	32.30M	31.10M	30.30M
EBITDA Ratio	0.00%	340.55%	36.27%	28.35%	28.36%	41.94%	44.90%	31.95%	28.58%	29.10%	32.41%	32.55%	29.53%	30.12%	34.54%	49.42%	61.16%	56.67%	46.75%	37.30%	39.92%	42.24%	56.95%	74.72%	67.66%	72.96%	82.12%	79.88%	75.39%	69.21%	80.18%	79.35%	105.51%	122.76%	124.38%	0.00%	0.00%	0.00%	0.00%
Operating Income	0.00	750.71M	429.06M	338.89M	285.97M	344.36M	406.02M	276.98M	218.56M	212.80M	229.50M	215.93M	199.87M	190.98M	205.65M	287.38M	286.70M	233.88M	159.94M	92.09M	118.67M	149.00M	236.07M	284.48M	270.38M	263.10M	261.60M	250.10M	235.40M	206.50M	180.90M	178.90M	225.10M	245.30M	235.20M	34.50M	32.30M	31.10M	30.30M
Operating Income Ratio	0.00%	338.29%	35.87%	27.82%	27.82%	36.34%	44.10%	30.59%	27.09%	27.52%	30.64%	30.46%	27.33%	28.46%	33.54%	48.89%	54.98%	49.53%	36.34%	22.63%	26.81%	33.09%	51.12%	65.99%	67.30%	69.42%	71.42%	72.94%	68.57%	62.46%	61.20%	73.59%	99.96%	116.53%	117.48%	0.00%	0.00%	0.00%	0.00%
Total Other Income/Expenses	421.60M	-20.42M	-16.65M	52.39M	-17.00M	-18.46M	-22.85M	-22.87M	3.50M	-44.16M	-23.32M	-15.52M	-7.80M	-39.38M	0.00	13.99M	-181.73M	793.00K	3.60M	0.00	-42.68M	-76.45M	-145.14M	-196.38M	-183.32M	-187.10M	-171.80M	-164.60M	-157.80M	-136.10M	-119.70M	-123.80M	-171.70M	-196.90M	-187.20M	0.00	0.00	0.00	0.00
Income Before Tax	421.60M	532.01M	429.06M	338.89M	285.97M	223.59M	236.35M	207.00M	159.29M	164.82M	183.42M	170.22M	146.36M	126.85M	120.48M	139.83M	104.98M	82.02M	76.32M	51.74M	75.99M	72.55M	90.93M	88.11M	87.05M	76.00M	89.80M	85.50M	77.60M	70.40M	61.20M	55.10M	53.40M	48.40M	48.00M	0.00	0.00	0.00	0.00
Income Before Tax Ratio	31.80%	239.74%	35.87%	27.82%	27.82%	23.59%	25.67%	22.86%	19.74%	21.32%	24.49%	24.01%	20.01%	18.91%	19.65%	23.79%	20.13%	17.37%	17.34%	12.71%	17.17%	16.11%	19.69%	20.44%	21.67%	20.05%	24.52%	24.93%	22.60%	21.29%	20.70%	22.67%	23.71%	22.99%	23.98%	0.00%	0.00%	0.00%	0.00%
Income Tax Expense	71.58M	100.33M	76.04M	52.39M	42.37M	27.33M	53.37M	48.20M	43.21M	44.16M	49.46M	47.51M	39.89M	35.85M	30.99M	41.76M	30.76M	22.25M	20.00M	8.90M	17.11M	15.38M	25.70M	23.00M	22.98M	21.80M	28.10M	28.00M	25.40M	22.60M	20.10M	15.70M	13.90M	11.20M	10.40M	-34.50M	-32.30M	-31.10M	-30.30M
Net Income	350.02M	431.68M	353.02M	286.50M	243.60M	195.51M	247.11M	158.80M	116.07M	120.66M	133.97M	122.72M	106.47M	91.00M	89.48M	98.08M	74.21M	59.77M	56.32M	42.84M	58.88M	57.17M	65.23M	65.11M	64.08M	54.20M	61.70M	57.50M	52.20M	47.80M	41.10M	39.40M	39.50M	37.20M	40.10M	34.50M	32.30M	31.10M	30.30M
Net Income Ratio	26.40%	194.52%	29.52%	23.52%	23.70%	20.63%	26.84%	17.54%	14.38%	15.61%	17.89%	17.31%	14.56%	13.56%	14.59%	16.68%	14.23%	12.66%	12.79%	10.53%	13.30%	12.70%	14.13%	15.10%	15.95%	14.30%	16.84%	16.77%	15.21%	14.46%	13.90%	16.21%	17.54%	17.67%	20.03%	0.00%	0.00%	0.00%	0.00%
EPS	7.22	8.93	7.31	5.95	4.99	3.96	5.02	3.25	2.46	2.69	3.25	3.07	2.66	2.27	2.22	2.41	1.78	1.40	0.66	0.99	0.68	1.30	1.48	1.39	0.67	0.45	0.52	0.45	0.35	0.89	0.27	0.30	0.30	0.26	0.27	0.77	0.75	0.72	0.70
EPS Diluted	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	1.77	1.40	0.65	0.99	0.68	1.29	1.48	1.39	0.67	0.45	0.51	0.45	0.35	0.89	0.27	0.30	0.30	0.26	0.27	0.77	0.75	0.72	0.70
Weighted Avg Shares Out	48.50M	48.34M	48.27M	48.14M	48.78M	49.33M	49.22M	48.83M	47.13M	44.84M	41.28M	40.03M	40.03M	40.07M	40.32M	40.74M	41.71M	42.59M	86.22M	43.34M	43.61M	44.13M	44.29M	46.90M	45.72M	47.44M	47.95M	48.70M	53.56M	53.80M	54.40M	42.54M	42.59M	42.54M	42.53M	45.07M	42.97M	43.05M	43.08M
Weighted Avg Shares Out (Dil)	48.76M	48.75M	48.74M	48.34M	49.09M	49.77M	49.84M	49.28M	47.58M	45.53M	41.28M	40.03M	40.33M	40.27M	40.67M	41.21M	41.93M	42.59M	86.22M	43.49M	43.61M	44.32M	44.29M	46.90M	45.72M	47.44M	47.95M	48.70M	53.56M	53.80M	54.40M	42.54M	42.59M	42.54M	42.53M	45.07M	42.97M	43.05M	43.08M

Here's Why UMB Financial (UMBF) is a Great Momentum Stock to Buy

September 23, 2024zacks.com

Does UMB Financial (UMBF) have what it takes to be a top stock pick for momentum investors? Let's find out.

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Regulators provide new merger guidelines to increase regulatory scrutiny that might slow down banks' merger and acquisition (M&A) activity.

UMB Financial Stock Touches 52-Week High: Is It Worth Investing?

September 17, 2024zacks.com

UMBF's diversified fee income sources and inorganic growth efforts, along with the Fed's potential rate cut, make the stock a lucrative pick.

UMB (UMBF) Up 0.4% Since Last Earnings Report: Can It Continue?

August 29, 2024zacks.com

UMB (UMBF) reported earnings 30 days ago. What's next for the stock?

5 Bank Stocks to Watch Out for as They Hit a New 52-Week High

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The stocks of UMBF, GBCI, PNFP, WAL, and RF reach 52-week highs as the Fed announces rate cuts and are likely to keep up the momentum in the near term.

Regional Banks Ramp Up M&A Deals to Strengthen Balance Sheet

August 22, 2024zacks.com

Regional banks like SSB, UMBF and RNST are resorting to M&A deals to bolster their balance sheet amid deposit competition.

UMB Financial (UMBF) Thrives on Loan Growth Amid Rising Costs

August 20, 2024zacks.com

UMB Financial (UMBF) is well poised to benefit from strength in its balance sheet position. Rising costs and intense competition remain concerns.

Why UMB (UMBF) Might be Well Poised for a Surge

August 5, 2024zacks.com

UMB (UMBF) shares have started gaining and might continue moving higher in the near term, as indicated by solid earnings estimate revisions.

UMB Financial: Loan Quality Remains A Differentiator

August 1, 2024seekingalpha.com

UMB Financial stock rallied 3% after strong Q2 results, up 47% for the year, as it has weathered the downturn in CRE loan quality exceptionally well. Deposit growth has been strong and despite higher deposit costs, its focus on institutional...

UMB Financial Corporation (UMBF) Q2 2024 Earnings Call Transcript

July 31, 2024seekingalpha.com

UMB Financial Corporation (NASDAQ:UMBF ) Q2 2024 Earnings Conference Call July 31, 2024 9:30 AM ET Company Participants Kay Gregory - Investor Relations Mariner Kemper - President & Chief Executive Officer Ram Shankar - Chief Financial Officer Jim Rine -...

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UMB Financial Corporation (UMBF) Income Statement Analysis – Financial Results

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