UMB Financial Corporation (UMBF)

UMB Financial Income Statement

Financials in millions USD. Fiscal year is January - December.

Fiscal Year	TTM	FY 2024	FY 2023	FY 2022	FY 2021	FY 2020
Period Ending	Mar 31, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021	Dec 31, 2020
Interest Income on Loans	1,755	1,613	1,400	810.01	619.27	585.96
Interest Income on Investments	634.13	558.06	438.74	327.51	242.25	222.53
Total Interest Income	2,389	2,171	1,839	1,138	861.52	808.49
Interest Paid on Deposits	1,062	982.3	704.21	167.55	26.41	58.21
Interest Paid on Borrowings	167.98	187.82	214.38	56.17	19.59	19.05
Total Interest Expense	1,230	1,170	918.59	223.72	46	77.26
Net Interest Income	1,159	1,001	920.12	913.8	815.52	731.23
Net Interest Income Growth (YoY)	26.28%	8.78%	0.69%	12.05%	11.53%	8.99%
Trust Income	300.87	290.57	257.2	237.21	224.13	194.65
Income From Trading Activities	24.68	24.23	19.63	23.2	30.94	32.95
Gain (Loss) on Sale of Assets	3.2	3.2	4.34	3.06	2.67	0.8
Gain (Loss) on Sale of Investments	-3.43	10.72	-3.14	58.44	5.06	120.63
Other Non-Interest Income	218.55	214.89	178.87	147.15	118.33	127.27
Total Non-Interest Income	635.07	628.12	541.85	554.23	467.18	560.17
Non-Interest Income Growth (YoY)	11.24%	15.92%	-2.23%	18.63%	-16.60%	31.26%
Revenues Before Loan Losses	1,794	1,629	1,462	1,468	1,283	1,291
Provision for Loan Losses	137.05	61.05	41.23	37.9	20	130.5
Revenue	1,657	1,568	1,421	1,430	1,263	1,161
Revenue Growth (YoY)	13.44%	10.36%	-0.66%	13.26%	8.77%	9.02%
Salaries and Employee Benefits	641.87	571.33	534.73	502.94	483.23	480.34
Occupancy Expenses	40.84	37.04	37.4	36.95	47.35	34.68
Federal Deposit Insurance	20.75	31.9	77.01	15.38	11.89	10.28
Amortization of Goodwill & Intangibles	23.23	7.71	8.59	5.04	4.76	6.52
Selling, General & Administrative	349.26	303.88	274.19	268.26	233.09	227.83
Other Non-Interest Expense	80.73	74.83	67.23	69.56	53.31	62.36
Total Non-Interest Expense	1,157	1,027	999.14	898.12	833.64	822.01
EBT Excluding Unusual Items	500.45	541.27	421.6	532.01	429.06	338.89
Pretax Income	500.45	541.27	421.6	532.01	429.06	338.89
Income Tax Expense	88.13	100.03	71.58	100.33	76.04	52.39
Earnings From Continuing Operations	412.32	441.24	350.02	431.68	353.02	286.5
Net Income	412.32	441.24	350.02	431.68	353.02	286.5
Net Income to Common	410.31	441.24	350.02	431.68	353.02	286.5
Net Income Growth	12.09%	26.06%	-18.92%	22.28%	23.22%	17.61%
Basic Shares Outstanding	53	49	49	48	48	48
Diluted Shares Outstanding	53	49	49	49	49	48
Shares Change (YoY)	9.00%	0.60%	0.03%	0.02%	0.82%	-1.52%
EPS (Basic)	7.76	9.05	7.22	8.93	7.31	5.95
EPS (Diluted)	7.71	8.99	7.18	8.86	7.24	5.93
EPS Growth	2.38%	25.21%	-18.96%	22.38%	22.09%	19.56%
Dividend Per Share	1.580	1.570	1.530	1.490	1.380	1.250
Dividend Growth	2.60%	2.61%	2.69%	7.97%	10.40%	3.31%
Effective Tax Rate	17.61%	18.48%	16.98%	18.86%	17.72%	15.46%

Updated Apr 29, 2025. Source: S&P Global Market Intelligence. Banks template. Financial Sources.

SEC Filings: 10-K · 10-Q