UMB FINANCIAL CORP
Financial highlights
| Metric | FY 12/31/25 | FY 12/31/24 | FY 12/31/23 | FY 12/31/22 | FY 12/31/21 |
|---|---|---|---|---|---|
| Income Statement | |||||
| Interest expense | — | — | $918.6M | $223.7M | $46.0M |
| Pretax income | $875.0M | $541.3M | $421.6M | $532.0M | $429.1M |
| Income tax expense | $172.6M | $100.0M | $71.6M | $100.3M | $76.0M |
| Net income | $702.4M | $441.2M | $350.0M | $431.7M | $353.0M |
| Balance Sheet | |||||
| Cash and equivalents | $7.8B | $8.4B | $5.5B | $1.6B | $9.2B |
| Total assets | $73.1B | $50.4B | $44.0B | $38.5B | $42.7B |
| Total liabilities | $65.4B | $46.9B | $40.9B | $35.8B | $39.5B |
| Total debt | $474.2M | $385.3M | $2.2B | $381.3M | — |
| Stockholders' equity | $7.7B | $3.5B | $3.1B | $2.7B | $3.1B |
| Cash Flow Statement | |||||
| Cash from operations | $1.0B | $225.3M | $472.6M | $769.6M | $534.1M |
| Depreciation and amortization | $141.8M | $52.8M | $58.7M | $54.0M | $55.7M |
| Stock-based compensation | $37.7M | $22.6M | $18.7M | $21.5M | $21.2M |
| Capital expenditure | $48.6M | $20.0M | $23.1M | $51.7M | $33.7M |
| Free cash flow | $978.1M | $205.3M | $449.5M | $717.8M | $500.4M |
| Dividends paid | $135.6M | $77.1M | $74.2M | $72.0M | $66.8M |
| Share repurchases | $17.6M | $7.7M | $8.4M | $32.0M | $5.5M |
| Impairments | $0 | $0 | $0 | $0 | $0 |
Shares outstanding 76.0M · Free float 90.6%
Annual filing data through FY ended December 31, 2025; float as of July 8, 2026.