UMB Financial (UMBF) | Financial Analysis & Statements
Financial Overview
Latest Annual: 2024Income Metrics
Revenue
1.5B
Net Income
441.2M
30.08%
EPS (Diluted)
$8.99
Balance Sheet Metrics
Total Assets
50.4B
Total Liabilities
46.9B
Shareholders Equity
3.5B
Debt to Equity
13.54
Cash Flow Metrics
Operating Cash Flow
163.4M
Free Cash Flow
201.1M
Revenue & Profitability Trend
UMB Financial Income Statement From 2020 to 2024
| Metric | 2024 | 2023 | 2022 | 2021 | 2020 |
|---|---|---|---|---|---|
| Revenue | 1.5B | 1.3B | 1.4B | 1.2B | 1.2B |
| Cost of Goods Sold | - | - | - | - | - |
| Gross Profit | - | - | - | - | - |
| Operating Expenses | 622.4M | 579.2M | 550.1M | 523.0M | 536.0M |
| Operating Income | - | - | - | - | - |
| Pre-tax Income | 541.3M | 421.6M | 532.0M | 429.1M | 338.9M |
| Income Tax | 100.0M | 71.6M | 100.3M | 76.0M | 52.4M |
| Net Income | 441.2M | 350.0M | 431.7M | 353.0M | 286.5M |
| EPS (Diluted) | $8.99 | $7.18 | $8.86 | $7.24 | $5.93 |
Income Statement Trend
UMB Financial Balance Sheet From 2020 to 2024
| Metric | 2024 | 2023 | 2022 | 2021 | 2020 |
|---|---|---|---|---|---|
| Assets | |||||
| Current Assets | - | - | - | - | - |
| Non-Current Assets | - | - | - | - | - |
| Total Assets | 50.4B | - | - | - | - |
| Liabilities | |||||
| Current Liabilities | - | - | - | - | - |
| Non-Current Liabilities | - | - | - | - | - |
| Total Liabilities | 46.9B | - | - | - | - |
| Equity | |||||
| Total Shareholders Equity | 3.5B | 3.1B | 2.7B | 3.1B | 3.0B |
Balance Sheet Composition
UMB Financial Cash Flow Statement From 2020 to 2024
| Metric | 2024 | 2023 | 2022 | 2021 | 2020 |
|---|---|---|---|---|---|
| Operating Activities | |||||
| Net Income | 441.2M | 350.0M | 431.7M | 353.0M | 286.5M |
| Operating Cash Flow | 163.4M | 243.1M | 744.9M | 535.0M | 221.6M |
| Investing Activities | |||||
| Capital Expenditures | -20.0M | -23.1M | -45.0M | -29.8M | -51.6M |
| Investing Cash Flow | -515.5M | 129.2M | -137.3M | -3.6B | -1.7B |
| Financing Activities | |||||
| Dividends Paid | -77.1M | -74.2M | -72.0M | -66.8M | -60.3M |
| Financing Cash Flow | -4.2B | -29.3B | 3.8M | -72.3M | 58.7M |
| Free Cash Flow | 201.1M | 445.7M | 717.8M | 500.4M | 313.4M |
Cash Flow Trend
UMB Financial Key Financial Ratios
Valuation Ratios
P/E Ratio (TTM)
12.79
Forward P/E
11.02
Price to Book
1.16
Price to Sales
4.66
PEG Ratio
11.02
Profitability Ratios
Profit Margin
24.88%
Operating Margin
24.86%
Return on Equity
8.33%
Return on Assets
0.72%
Financial Health
Debt to Equity
0.50
Beta
0.76
Per Share Data
EPS (TTM)
$7.95
Book Value per Share
$87.43
Revenue per Share
$31.36
Peer Financial Comparison
| Company | Market Cap | P/E Ratio | P/B Ratio | ROE | Profit Margin | Debt/Equity |
|---|---|---|---|---|---|---|
| umbf | 7.7B | 12.79 | 1.16 | 8.33% | 24.88% | 0.50 |
| PNC Financial | 70.3B | 12.56 | 1.39 | 11.33% | 28.75% | 1.12 |
| U.S. Bancorp | 69.7B | 11.08 | 1.31 | 11.53% | 26.38% | 1.34 |
| SouthState | 9.0B | 13.91 | 1.04 | 7.18% | 27.82% | 0.30 |
| Webster Financial | 9.0B | 12.09 | 1.01 | 8.68% | 32.85% | 0.45 |
| Commerce Bancshares | 8.1B | 15.07 | 2.34 | 17.01% | 33.17% | 0.70 |
Financial data is updated regularly. All figures are in the company's reporting currency.