For the quarter ending 2025-09-30, UMBF made $1,884,746,000 in revenue. $180,372,000 in net income. Net profit margin of 9.57%.
| Income Statement | 2025-09-30 | 2025-06-30 | 2024-12-31 | |
|---|---|---|---|---|
| Loans | 629,057,000 | 612,414,000 | - | |
| Taxable interest | 138,176,000 | 122,237,000 | - | |
| Tax-exempt interest | 33,035,000 | 33,024,000 | - | |
| Total securities income | 171,211,000 | 155,261,000 | - | |
| Federal funds and resell agreements | 9,365,000 | 8,733,000 | - | |
| Interest-bearing due from banks | 68,952,000 | 73,874,000 | - | |
| Trading securities | 312,000 | 255,000 | - | |
| Total interest income | 878,897,000 | 850,537,000 | - | |
| Deposits | 362,882,000 | 343,153,000 | - | |
| Federal funds and repurchase agreements | 28,632,000 | 27,423,000 | - | |
| Other | -12,341,000 | -12,937,000 | - | |
| Total interest expense | 403,855,000 | 383,513,000 | - | |
| Net interest income | 475,042,000 | 467,024,000 | - | |
| Provision for credit losses | 22,500,000 | 21,000,000 | - | |
| Net interest income after provision for credit losses | 452,542,000 | 446,024,000 | - | |
| Trust and securities processing | 87,926,000 | 83,263,000 | - | |
| Trading and investment banking | 7,026,000 | 6,170,000 | - | |
| Service charges on deposit accounts | 29,150,000 | 28,865,000 | - | |
| Insurance fees and commissions | 307,000 | 189,000 | - | |
| Brokerage fees | 20,470,000 | 20,525,000 | - | |
| Bankcard fees | 29,561,000 | 29,018,000 | - | |
| Investment securities (losses) gains, net | -4,093,000 | 37,685,000 | - | |
| Other | 32,951,000 | 16,470,000 | - | |
| Total noninterest income | 203,298,000 | 222,185,000 | - | |
| Salaries and employee benefits | 220,329,000 | 213,551,000 | - | |
| Occupancy, net | 19,149,000 | 18,571,000 | - | |
| Equipment | 16,563,000 | 16,426,000 | - | |
| Supplies and services | 10,492,000 | 6,383,000 | - | |
| Marketing and business development | 11,094,000 | 11,344,000 | - | |
| Processing fees | 45,008,000 | 43,638,000 | - | |
| Legal and consulting | 21,616,000 | 18,468,000 | - | |
| Bankcard | 11,775,000 | 12,363,000 | - | |
| Amortization of other intangible assets | 25,317,000 | 25,268,000 | - | |
| Regulatory fees | 8,091,000 | 9,259,000 | - | |
| Other | 29,851,000 | 17,897,000 | - | |
| Total noninterest expense | 419,285,000 | 393,168,000 | - | |
| Income before income taxes | 236,555,000 | 275,041,000 | - | |
| Income tax expense | 48,239,000 | 57,647,000 | - | |
| Total income | - | - | 49,083,500 | |
| Net income | 188,316,000 | 217,394,000 | - | |
| Total expense | - | - | 33,851,750 | |
| Less preferred dividends | 7,944,000 | 2,012,000 | - | |
| Income before income taxes and equity in undistributed earnings of subsidiaries | - | - | 15,231,750 | |
| Net income available to common shareholders | 180,372,000 | 215,382,000 | - | |
| Earnings per share, basic, total | 2.38 | 2.84 | 2.263 | |
| Earnings per share, diluted, total | 2.36 | 2.82 | 2.248 | |
| Weighted average number of shares outstanding, basic, total | 75,943,943 | 75,923,082 | 12,186,953.5 | |
| Weighted average number of shares outstanding, diluted | 76,366,818 | 76,241,798 | 12,264,239 | |
UMB FINANCIAL CORP (UMBF)
UMB FINANCIAL CORP (UMBF)