See more : BAWAG Group AG (BG.VI) 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.
You may be interested
- 3M Company (MMM.BA) Income Statement Analysis – Financial Results
- JITF Infralogistics Limited (JITFINFRA.NS) Income Statement Analysis – Financial Results
- Shenzhen Cotran New Material Co.,Ltd. (300731.SZ) Income Statement Analysis – Financial Results
- Allurion Technologies Inc. (ALUR) Income Statement Analysis – Financial Results
- China Everbright Water Limited (1857.HK) Income Statement Analysis – Financial Results
UMB Financial Corporation (UMBF)
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 |
U.S. banks and regional lenders slide across the board as S&P is latest to downgrade ratings
U.S. banks and regional banks fell across the board on Tuesday, after S&P Global Ratings downgraded five smaller players after a review of risk related to funding, liquidity and asset quality with a focus on office commercial real estate.
After Moody's, US Banks' Ratings Downgraded by S&P Global
S&P Global downgrades the credit ratings of several U.S. banks two weeks after Moody's took similar action.
S&P downgrades multiple US banks citing 'tough' lending environment
S&P Global Ratings downgraded five regional U.S. banks by one notch and lowered its outlook for several other lenders, following a similar move by Moody's.
S&P downgrades five US banks following Moody's lead
S&P Global Ratings downgraded five regional US banks by one notch and signaled a negative outlook for several others on Monday.
S&P downgrades multiple US banks citing 'tough' operating conditions
S&P Global on Monday cut credit ratings and revised its outlook for multiple U.S. banks, following a similar move by Moody's, warning that funding risks and weaker profitability will likely test the sector's credit strength.
UMB Launches Second Turnkey Registered Funds Solutions Platform as More Funds Choose Shared Services
MILWAUKEE--(BUSINESS WIRE)--UMB Fund Services, Inc. (UMBFS), a subsidiary of UMB Financial Corporation (NASDAQ: UMBF), announced today the launch of its second turnkey Registered Fund Solutions (RFS) platform service for starting and operating unlisted closed-end funds. Redwood Real Estate Income Fund...
The 10 Best Dividend Aristocrat Bargains For August
The S&P 500 is 16% to 27% overvalued depending on whether or not we get a recession. The top 8 stocks are driving 75% of the market's gains. Even in an irrational bubble, incredible bargains are available because it is...
UMB Financial Corporation (UMBF) Q2 2023 Earnings Call Transcript
UMB Financial Corporation (NASDAQ:UMBF ) Q2 2023 Earnings Conference Call July 26, 2023 10:30 AM ET Company Participants Kay Gregory - Senior Vice President and Director, Investor Relations Mariner Kemper - President & Chief Executive Officer Ram Shankar - Chief...
UMB Financial's (UMBF) Q2 Earnings Miss on Revenues Decline
A decline in revenues and higher costs affect UMB Financial's (UMBF) Q2 Earnings. Nonetheless, moderate growth in loans and NII offer some support.
Here's What Key Metrics Tell Us About UMB (UMBF) Q2 Earnings
Although the revenue and EPS for UMB (UMBF) give a sense of how its business performed in the quarter ended June 2023, it might be worth considering how some key metrics compare with Wall Street estimates and the year-ago numbers.
Source: https://incomestatements.info
Category: Stock Reports