UMBF FY 2025 Earnings Report — UMB Financial Corporation Revenue & Financial Results | Market Cap Arena

UMB Financial CorporationUMBF

FY 2025 Earnings

Reported February 26, 2026

Quarter Comparison

Revenue

Operating Income

Gross Margin

Net Margin

EPS (Diluted)

Free Cash Flow

Metric	FY 2025	Prior Q	FY 2024	QoQ Change	YoY Change
Revenue	$4.4B	—	$2.6B	—	68.5%
Op. Income	$900M	—	$541M	—	66.3%
Gross Margin	54.4%	—	53.3%	—	1.1pp
Net Margin	15.8%	—	16.7%	—	-0.9pp
EPS (Diluted)	$9.13	—	$8.99	—	1.6%
Free Cash Flow	$972M	—	$201M	—	383.3%

Revenue Flow

Item	Amount
REVENUE	$4.4B
Cost of Revenue	$2.0B
GROSS PROFIT	$2.4B
R&D Expenses	$0
Selling & Marketing	$46M
General & Administrative	$1.1B
SG&A Expenses	$1.1B
Other Expenses	$374M
Operating Expenses	$1.5B
Cost & Expenses	$3.5B
OPERATING INCOME	$900M
Interest Income	$4.1B
Interest Expense	$1.5B
Other Income/Expenses	-$25M
INCOME BEFORE TAX	$875M
Income Tax Expense	$173M
Net Income from Continuing Ops	$702M
Net Income from Discontinued Ops	$0
Other Adjustments	$0
NET INCOME	$702M
Net Income Deductions	$0
BOTTOM LINE NET INCOME	$685M
D&A	$160M
EBIT	$900M
EBITDA	$1.1B
EPS	$9
EPS Diluted	$9

Income Statement

Item	Amount
REVENUE	$4.4B
Cost of Revenue	$2.0B
GROSS PROFIT	$2.4B
R&D Expenses	$0
Selling & Marketing	$46M
General & Administrative	$1.1B
SG&A Expenses	$1.1B
Other Expenses	$374M
Operating Expenses	$1.5B
Cost & Expenses	$3.5B
OPERATING INCOME	$900M
Interest Income	$4.1B
Interest Expense	$1.5B
Other Income/Expenses	-$25M
INCOME BEFORE TAX	$875M
Income Tax Expense	$173M
Net Income from Continuing Ops	$702M
Net Income from Discontinued Ops	$0
Other Adjustments	$0
NET INCOME	$702M
Net Income Deductions	$0
BOTTOM LINE NET INCOME	$685M
D&A	$160M
EBIT	$900M
EBITDA	$1.1B
EPS	$9
EPS Diluted	$9

Cash Flow Statement

Item	Amount
Net Income	$702M
Depreciation & Amortization	$0
Stock-Based Compensation	$0
Deferred Income Tax	$0
Other Non-Cash Items	$238M
Change in Working Capital	$80M
OPERATING CASH FLOW	$1.0B
Capital Expenditure	-$49M
Acquisitions (Net)	$0
Purchases of Investments	$0
Sales/Maturities of Investments	$0
Other Investing Activities	-$5.6B
NET CASH FROM INVESTING	-$5.6B
Net Debt Issuance	$493M
Common Stock Repurchased	-$133M
Common Dividends Paid	-$136M
Other Financing Activities	$3.2B
NET CASH FROM FINANCING	$3.9B
FREE CASH FLOW	$972M
Net Change in Cash	-$677M

Balance Sheet

Item	Amount
Cash & Equivalents	$953M
Short-Term Investments	$0
Net Receivables	$0
Inventory	$0
Other Current Assets	$0
TOTAL CURRENT ASSETS	$953M
PP&E (Net)	$398M
Goodwill	$1.8B
Intangible Assets	$487M
Long-Term Investments	$0
Tax Assets	$0
Other Non-Current Assets	$0
TOTAL NON-CURRENT ASSETS	$2.7B
TOTAL ASSETS	$73.1B
Account Payables	$0
Short-Term Debt	$3.3B
Deferred Revenue	$0
Other Current Liabilities	$61.6B
TOTAL CURRENT LIABILITIES	$64.9B
Long-Term Debt	$474M
Deferred Revenue NC	$0
Deferred Tax Liabilities	$0
Other Non-Current Liabilities	$0
TOTAL NON-CURRENT LIABILITIES	$474M
TOTAL LIABILITIES	$65.4B
Common Stock	$79M
Additional Paid-In Capital	$4.0B
Retained Earnings	$3.7B
Treasury Stock	-$165M
Accum. Other Comp. Income	-$262M
Other Equity	$0
TOTAL STOCKHOLDERS' EQUITY	$7.7B
Minority Interest	$0
TOTAL EQUITY	$7.7B
TOTAL LIABILITIES & EQUITY	$73.1B
Total Debt	$3.8B
Net Debt	$2.8B