← UMB FINANCIAL CORP
| Annual Trend | FY 2016 | FY 2017 | FY 2018 | FY 2019 | FY 2020 | FY 2021 | FY 2022 | FY 2023 | FY 2024 | FY 2025 | TTM | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Total interest income | $523.0m |
$616.9m
+17.95%
|
$732.0m
+18.65%
|
$862.9m
+17.89%
|
$808.5m
-6.30%
|
$861.5m
+6.56%
|
$1.1b
+32.04%
|
$1.8b
+61.64%
|
$2.2b
+18.07%
|
$3.4b
+54.50%
|
— | |
| Total noninterest income | $476.1m | $423.6m | $401.7m | $426.8m | $560.2m | $467.2m | $554.2m | $541.9m | $628.1m | $790.0m | — | |
| Net interest income | $495.3m |
$558.9m
+12.84%
|
$610.4m
+9.22%
|
$670.9m
+9.90%
|
$731.2m
+8.99%
|
$815.5m
+11.53%
|
$913.8m
+12.05%
|
$920.1m
+0.69%
|
$1.0b
+8.78%
|
$1.9b
+86.05%
|
$2.1b
+10.86%
|
|
| Interest Income (Expense), Net | $495.3m |
$558.9m
+12.84%
|
$610.4m
+9.22%
|
$670.9m
+9.90%
|
$731.2m
+8.99%
|
$815.5m
+11.53%
|
$913.8m
+12.05%
|
$920.1m
+0.69%
|
$1.0b
+8.78%
|
$1.9b
+86.05%
|
$3.5b
+88.18%
|
|
| Marketing and Advertising Expense | $22.3m | $21.5m | $24.4m | $26.3m | $14.7m | $18.5m | $25.7m | $25.7m | $28.4m | $45.7m | — | |
| Labor and Related Expense | $432.8m | $413.8m | $419.1m | $461.4m | $495.5m | $504.4m | $524.4m | $553.4m | $593.9m | $883.9m | — | |
| Salaries and employee benefits | $432.8m | $413.8m | $419.1m | $461.4m | $495.5m | $504.4m | $524.4m | $553.4m | $593.9m | $883.9m | — | |
| Amortization of Intangible Assets | $12.3m | $7.3m | $5.8m | $5.5m | $6.5m | $4.8m | $5.0m | $8.6m | $7.7m | $93.5m | — | |
| Operating Lease, Expense | — | — | — | $12.3m | $12.8m | $11.8m | $11.9m | $11.1m | $10.5m | $16.6m | — | |
| Noninterest expense: | ||||||||||||
| Total noninterest expense | $731.9m | $705.1m | $717.8m | $778.9m | $822.0m | $833.6m | $898.1m | $999.1m | $1.0b | $1.6b | — | |
| Interest expense: | ||||||||||||
| Total interest expense | $27.7m | $58.0m | $121.5m | $192.0m | $77.3m | $46.0m | $223.7m | $918.6m | $1.2b | $1.5b | — | |
| Net interest income after provision for credit losses | $462.8m |
$517.9m
+11.90%
|
$539.7m
+4.21%
|
$638.1m
+18.22%
|
$600.7m
-5.85%
|
$795.5m
+32.43%
|
$875.9m
+10.10%
|
$878.9m
+0.34%
|
$939.8m
+6.94%
|
$1.7b
+81.70%
|
$2.1b
+20.89%
|
|
| Debt and Equity Securities, Gain (Loss) | $8.5m | $4.2m | $578k | $2.2m | $120.6m | $5.1m | $58.4m | ($3.1m) | $10.7m | $31.0m | — | |
| Debt Securities, Realized Gain (Loss) | — | — | $578k | $3.2m | $120.6m | — | — | — | — | — | — | |
| Gain (Loss) on Investments | $8.5m | $4.2m | $578k | $2.2m | $120.6m | $5.1m | $58.4m | ($3.1m) | $10.7m | $31.0m | — | |
| Income (Loss) from Equity Method Investments | $2.7m | ($1.1m) | — | — | — | — | — | — | — | — | — | |
| Income (Loss) from Continuing Operations before Income Taxes, Noncontrolling Interest | $207.0m | $236.3m | $223.6m | $286.0m | $338.9m | $429.1m | $532.0m | $421.6m | $541.3m | $875.0m | $1.2b | |
| Current Income Tax Expense (Benefit) | $45.4m | ($6.4m) | $47.6m | $42.5m | $57.2m | $88.8m | $106.6m | $92.0m | $116.2m | $89.7m | $245.9m | |
| Income tax expense | $48.2m | $37.1m | ($170k) | $42.4m | $52.4m | $76.0m | $100.3m | $71.6m | $100.0m | $172.6m | $245.9m | |
| Income Tax Expense (Benefit) | $48.2m | $53.4m | $27.3m | $42.4m | $52.4m | $76.0m | $100.3m | $71.6m | $100.0m | $172.6m | $245.9m | |
| Net Income (Loss) Attributable to Parent | $158.8m |
$247.1m
+55.61%
|
$195.5m
-20.88%
|
$243.6m
+24.60%
|
$286.5m
+17.61%
|
$353.0m
+23.22%
|
$431.7m
+22.28%
|
$350.0m
-18.92%
|
$441.2m
+26.06%
|
$702.4m
+59.19%
|
$917.3m
+30.60%
|
|
| Preferred Stock Dividends, Income Statement Impact | — | — | — | — | — | — | — | — | — | $18 | $25.4m | |
| Income (Loss) from Continuing Operations, Per Basic Share | — | $4 | $4 | $5 | $6 | — | — | — | — | — | — | |
| Income (Loss) from Continuing Operations, Per Diluted Share | — | $4 | $4 | $5 | $6 | — | — | — | — | — | — | |
| Earnings Per Share, Basic | $3.25 | $5.02 | $3.97 | $4.99 | $5.95 | $7.31 | $8.93 | $7.22 | $9.05 | $9.35 | $12.11 | |
| Earnings Per Share, Diluted | $3.22 | $4.96 | $3.93 | $4.96 | $5.93 | $7.24 | $8.86 | $7.18 | $8.99 | $9.29 | $12.03 | |
| Weighted Average Number of Shares Outstanding, Basic | 48.8m | 49.2m | 49.3m | 48.8m | 48.1m | 48.3m | 48.3m | 48.5m | 48.7m | 73.3m | 76.0m | |
| Weighted average common shares outstanding - basic | 48.8m | 49.2m | 49.3m | 48.8m | 48.1m | 48.3m | 48.3m | 48.5m | 48.7m | 73.3m | — | |
| Weighted average common shares outstanding - diluted | 49.3m | 49.8m | 49.8m | 49.1m | 48.3m | 48.7m | 48.7m | 48.8m | 49.1m | 73.7m | — | |
| Weighted Average Number of Shares Outstanding, Diluted | 49.3m | 49.8m | 49.8m | 49.1m | 48.3m | 48.7m | 48.7m | 48.8m | 49.1m | 73.7m | 76.4m | |
| Additional Financial Items | ||||||||||||
| Equipment Expense | $67.3m | $72.0m | $75.2m | $79.1m | $85.7m | $78.4m | $74.3m | $68.7m | $63.4m | $64.9m | — | |
| Depreciation, Depletion and Amortization, Nonproduction | $54.6m | $54.9m | $53.1m | $56.3m | $62.8m | $55.7m | $54.0m | $58.7m | $52.8m | $141.8m | $97.7m | |
| Goodwill, Impairment Loss | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | — | |
| Loans | $386.3m | $461.3m | $559.4m | $637.8m | $586.0m | $619.3m | $810.0m | $1.4b | $1.6b | $2.4b | — | |
| Taxable interest | $73.6m | $73.1m | $83.3m | $106.1m | $105.7m | $127.6m | $192.1m | $215.0m | $257.6m | $504.6m | — | |
| Tax-exempt interest | $57.5m | $73.4m | $74.4m | $90.1m | $99.8m | $98.3m | $97.2m | $102.2m | $99.4m | $130.2m | — | |
| Federal funds and resell agreements | $2.7m | $3.7m | $4.8m | $13.8m | $11.8m | $10.0m | $19.1m | $17.6m | $17.6m | $38.2m | — | |
| Interest-bearing due from banks | $2.3m | $3.9m | $7.9m | $12.9m | $3.7m | $5.4m | $18.6m | $103.2m | $182.1m | $264.9m | — | |
| Trading securities | $632k | $1.5m | $2.1m | $2.2m | $1.4m | $854k | $511k | $729k | $1.4m | $1.1m | — | |
| Deposits | $17.9m | $36.4m | $92.1m | $154.2m | $58.2m | $26.4m | $167.6m | $704.2m | $982.3m | $1.3b | — | |
| Federal funds and repurchase agreements | $6.5m | $17.9m | $24.7m | $32.6m | $11.8m | $6.9m | $40.7m | $93.0m | $106.6m | $108.7m | — | |
| Other | $31.8m | $28.1m | $25.0m | $27.2m | $43.4m | $34.2m | $43.2m | $34.3m | $30.6m | $89.2m | — | |
| Provision for credit losses | — | — | $70.8m | $32.9m | $130.5m | $20.0m | $37.9m | $41.2m | $61.0m | $154.5m | — | |
| Trust and securities processing | $239.9m | $176.6m | $172.2m | $176.9m | $194.6m | $224.1m | $237.2m | $257.2m | $290.6m | $343.4m | — | |
| Trading and investment banking | $21.4m | $23.2m | $15.6m | $23.5m | $32.9m | $30.9m | $23.2m | $19.6m | $24.2m | $25.3m | — | |
| Service charges on deposit accounts | $86.7m | $87.7m | $84.3m | $82.7m | $83.9m | $86.1m | $85.2m | $85.0m | $84.5m | $113.2m | — | |
| Insurance fees and commissions | $4.2m | $2.0m | $1.3m | $1.6m | $1.4m | $1.3m | $1.3m | $1.0m | $1.3m | $910k | — | |
| Brokerage fees | $17.8m | $23.2m | $25.8m | $31.3m | $24.4m | $12.2m | $43.0m | $54.1m | $61.6m | $79.6m | — | |
| Bankcard fees | $68.7m | $73.0m | $68.5m | $66.7m | $60.5m | $64.6m | $73.5m | $74.7m | $87.8m | $113.9m | — | |
| Investment securities gains (losses), net | $8.5m | $4.2m | $578k | $2.2m | $120.6m | $5.1m | $58.4m | ($3.1m) | $10.7m | $31.0m | — | |
| Occupancy, net | $44.9m | $44.5m | $45.2m | $47.8m | $47.5m | $47.3m | $48.8m | $48.5m | $47.5m | $73.7m | — | |
| Supplies and services | $19.1m | $17.2m | $16.1m | $18.7m | $15.5m | $15.0m | $13.6m | $16.8m | $14.8m | $28.5m | — | |
| Marketing and business development | $22.3m | $21.5m | $24.4m | $26.3m | $14.7m | $18.5m | $25.7m | $25.7m | $28.4m | $45.7m | — | |
| Processing fees | $45.2m | $42.3m | $47.0m | $52.2m | $54.2m | $67.6m | $82.2m | $103.1m | $117.9m | $172.8m | — | |
| Legal and consulting | $21.2m | $23.4m | $29.9m | $31.5m | $29.8m | $32.4m | $39.1m | $30.0m | $46.2m | $92.3m | — | |
| Bankcard | $20.8m | $19.5m | $17.5m | $17.8m | $19.0m | $19.1m | $26.4m | $33.0m | $44.3m | $49.5m | — | |
| Amortization of other intangible assets | $12.3m | $7.3m | $5.8m | $5.5m | $6.5m | $4.8m | $5.0m | $8.6m | $7.7m | $93.5m | — | |
| Regulatory fees | $14.2m | $15.5m | $12.7m | $11.5m | $10.3m | $11.9m | $15.4m | $77.0m | $31.9m | $28.8m | — | |
| Dividends per common share | — | $1 | $1 | $1 | $1 | $1 | $1 | $2 | $2 | $2 | — | |
| Income (Loss) from Continuing Operations, Net of Tax, Attributable to Parent | — | $183.0m | $196.3m | $243.6m | $286.5m | — | — | — | — | — | — | |
| Income (Loss) from Discontinued Operations, Net of Tax, Including Portion Attributable to Noncontrolling Interest | — | $64.1m | ($747k) | — | — | — | — | — | — | — | — | |
| Total securities income | $131.1m | $146.5m | $157.7m | $196.1m | $205.5m | $225.9m | $289.3m | $317.2m | $356.9m | $634.8m | — |
Values abbreviated: b = billions, m = millions, k = thousands. Per share data in USD.