See more : RedFlow Limited (REFXD) 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)
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 |
UMB Financial (UMBF) Lags Q2 Earnings and Revenue Estimates
UMB Financial (UMBF) came out with quarterly earnings of $1.93 per share, missing the Zacks Consensus Estimate of $1.99 per share. This compares to earnings of $2.83 per share a year ago.
UMB Financial Corporation Reports Second Quarter Net Income of $90.1 Million
KANSAS CITY, Mo.--(BUSINESS WIRE)--UMB Financial Corporation (Nasdaq: UMBF), a financial services company, announced net income for the second quarter of 2023 of $90.1 million, or $1.85 per diluted share, compared to $92.4 million, or $1.90 per diluted share, in the...
UMB Appoints New Leadership to its Institutional Banking Division
KANSAS CITY, Mo.--(BUSINESS WIRE)--UMB Financial Corporation (Nasdaq: UMBF) has announced the appointment of Phil Mason to the role of president, Institutional Banking. Brian Hutchin has been promoted to fill Mason's prior role of director of UMB Healthcare Services. As president,...
UMB Financial (UMBF) Rides on Rates Amid a Rise in Expenses
A decent liquidity position, a healthy balance sheet and higher rates are expected to support UMB Financial (UMBF). However, mounting expenses and the concentration of loans are concerns.
UMB Announces Conference Call to Discuss Second Quarter 2023 Results
KANSAS CITY, Mo.--(BUSINESS WIRE)--UMB Financial Corporation (Nasdaq: UMBF), a financial services company, will release earnings results for the second quarter 2023 after market hours on Tuesday, July 25, 2023. The company plans to host an investor conference call to discuss...
UMB Financial (UMBF) Hurt by Rising Costs and Competition
An increase in non-interest expenses and growing competition are major headwinds for UMB Financial (UMBF). Nonetheless, solid loan and deposit balances, and decent liquidity offer some support.
Citizens, PNC, UMB Stock Plummet After First Republic's Epic Failure—Here Are The Bank Stocks That Are Plunging
JPMorgan Chase's stocks have soared following its assumption of First Republic Bank deposits.
Post Crash UMB Financial Stock Has A Good Risk/Reward
In order to achieve above average returns from regional bank stocks, investors usually need to buy the stock when they are very cheap. It's very hard to know how much risk any given bank has, so I place a lot...
UMB Financial (UMBF) Q1 Earnings Meet, Revenues Rise Y/Y
A rise in revenues and higher rates support UMB Financial's (UMBF) Q1 earnings, while an increase in provisions for credit losses and a decline in credit quality were the undermining factors.
UMB Financial (UMBF) Meets Q1 Earnings Estimates
UMB Financial (UMBF) came out with quarterly earnings of $1.91 per share, in line with the Zacks Consensus Estimate. This compares to earnings of $2.17 per share a year ago.
Source: https://incomestatements.info
Category: Stock Reports