15 years of revenue, profit, cash flow and balance-sheet history through FY2025, from SEC filings — with a computed, factual read of the trend. Updated Overview →
| FY | Revenue | Net income | Gross M | Op M | ROE | ROA | FCF | Total debt | Cash |
|---|---|---|---|---|---|---|---|---|---|
| 2025 | — | $702M | — | — | 9.1% | 1.0% | $978M | $474M | $7.8B |
| 2024 | — | $441M | — | — | 12.7% | 0.9% | $205M | $385M | $8.4B |
| 2023 | — | $350M | — | — | 11.3% | 0.8% | $450M | $2.2B | $5.5B |
| 2022 | — | $432M | — | — | 16.2% | 1.1% | $718M | $381M | $1.6B |
| 2021 | — | $353M | — | — | 11.2% | 0.8% | $500M | $272M | $9.2B |
| 2020 | — | $287M | — | — | 9.5% | 0.9% | $313M | $270M | $3.5B |
| 2019 | — | $244M | — | — | 9.3% | 0.9% | $268M | $70M | $1.7B |
| 2018 | — | $196M | — | — | 8.8% | 0.8% | $238M | $83M | $1.7B |
| 2017 | — | $247M | — | — | 11.3% | 1.1% | $290M | $79M | $1.7B |
| 2016 | — | $159M | — | — | 8.1% | 0.8% | $246M | $77M | $1.1B |
| 2015 | — | $116M | — | — | 6.1% | 0.6% | $158M | $91M | $819M |
| 2014 | — | $121M | — | — | 7.3% | 0.7% | — | $9M | $1.8B |
| 2013 | — | $134M | — | — | 8.9% | 0.8% | $257M | $5M | $2.6B |
| 2012 | — | $123M | — | — | 9.6% | 0.8% | $180M | $6M | $1.4B |
| 2011 | — | $106M | — | — | 8.9% | 0.8% | $177M | $19M | $1.5B |
| Quarter | Revenue | Net income | Gross M | Op M | ROE | ROA | FCF | Total debt | Cash |
|---|---|---|---|---|---|---|---|---|---|
| Jun '26 | — | $278M | — | — | 3.5% | 0.4% | $331M | $480M | $5.6B |
| Mar '26 | — | $261M | — | — | 3.3% | 0.4% | $357M | $477M | $6.3B |
| Dec '25 | — | $215M | — | — | 2.8% | 0.3% | $95M | $474M | $7.8B |
| Sep '25 | — | $188M | — | — | 2.5% | 0.3% | $258M | $471M | $8.8B |
| Jun '25 | — | $217M | — | — | 3.0% | 0.3% | $271M | $657M | $11.0B |
| Mar '25 | — | $81M | — | — | 1.2% | 0.1% | $354M | $654M | $10.6B |
| Dec '24 | — | $120M | — | — | 3.5% | 0.2% | -$77M | $385M | $8.4B |
| Sep '24 | — | $110M | — | — | 3.1% | 0.2% | $119M | $1.4B | $7.3B |
| Jun '24 | — | $101M | — | — | 3.1% | 0.2% | $109M | $1.7B | $5.0B |
| Mar '24 | — | $110M | — | — | 3.5% | 0.2% | $54M | $2.2B | $6.9B |
| Dec '23 | — | $71M | — | — | 2.3% | 0.2% | $81M | $2.2B | $5.5B |
| Sep '23 | — | $97M | — | — | 3.4% | 0.2% | $226M | $2.7B | $3.9B |
| Jun '23 | — | $90M | — | — | 3.2% | 0.2% | $146M | $2.2B | $3.7B |
| Mar '23 | — | $92M | — | — | 3.3% | 0.2% | -$8M | $3.2B | $3.5B |
| Dec '22 | — | $100M | — | — | 3.8% | 0.3% | $127M | $381M | $1.6B |
| Sep '22 | — | $88M | — | — | 3.5% | 0.2% | $202M | $382M | $2.0B |
| Jun '22 | — | $138M | — | — | 5.2% | 0.4% | $202M | $273M | $2.1B |
| Mar '22 | — | $106M | — | — | 3.9% | 0.3% | $187M | $272M | $6.7B |
| Dec '21 | — | $78M | — | — | 2.5% | 0.2% | $159M | $272M | $9.2B |
| Sep '21 | — | $94M | — | — | 3.0% | 0.3% | $180M | $271M | $6.1B |
How the market has priced UMBF against its own fundamentals since 2023-03 — each month-end's share price set against the most recent annual filing, so the multiple moves as price runs ahead of (or behind) earnings. Split-adjusted.
See the revenue and net-income charts above for Umb Financial Corp's multi-year trend.
As of FY2025, Umb Financial Corp reported $474M of total debt against $7.8B of cash.
In FY2025, gross margin was —, operating margin —, and net margin —.
As of Sep '26, Umb Financial Corp traded at a price-to-earnings ratio of about 15.5× (market cap ÷ latest annual net income). The valuation charts above show how its P/E and dividend yield have moved with the share price. These are computed facts, not advice.
All figures are extracted from the company’s SEC EDGAR/XBRL filings — 10-K annual reports and 10-Q quarterly reports (use the Annual / Quarterly toggle). Quarterly figures are derived from the as-filed statements (year-to-date amounts are differenced into discrete quarters). Growth rates and ratios are computed by tradmap; nothing here is investment advice.
Source: SEC EDGAR / XBRL (10-K + 10-Q filings) · prices EOD (Databento), corporate-action-adjusted · growth rates, valuation multiples & ratios computed by tradmap. Valuation uses each month-end price against the latest annual filing. Informational only — not investment advice.