UMB FINANCIAL CORPUMBFEarnings & Financial Report
UMB Financial Corporation is an American financial services company headquartered in Kansas City, Missouri. It offers comprehensive financial services, including deposit solutions like checking and savings accounts, credit services including home mortgages, auto loans, business loans and credit cards, as well as investing and wealth management. UMB serves individuals, companies and institutions across the U.S. and in Ireland.
Revenue
$467.0M
Gross Profit
N/A
Operating Profit
$275.0M
Net Profit
$217.4M
Gross Margin
N/A
Operating Margin
58.9%
Net Margin
46.5%
YoY Growth
90.5%
EPS
$2.82
UMB FINANCIAL CORP Q2 FY2025 Financial Summary
UMB FINANCIAL CORP reported revenue of $467.0M (up 90.5% YoY) for Q2 FY2025, with a net profit of $217.4M (up 114.5% YoY) (46.5% margin).
Key Financial Metrics
| Total Revenue | $467.0M |
|---|---|
| Net Profit | $217.4M |
| Gross Margin | N/A |
| Operating Margin | 58.9% |
| Report Period | Q2 FY2025 |
Revenue Breakdown
UMB FINANCIAL CORP Q2 FY2025 revenue of $467.0M breaks down across 11 segments, led by Other at $136.7M (29.3% of total).
| Segment | Revenue | % of Total |
|---|---|---|
| Other | $136.7M | 29.3% |
| Institutional Banking | $99.4M | 21.3% |
| Fiduciary And Trust | $63.6M | 13.6% |
| Commercial Banking | $46.6M | 10.0% |
| Investment Securities Gains Losses Net | $37.7M | 8.1% |
| Credit Card | $27.3M | 5.8% |
| Brokerage Fees | $17.6M | 3.8% |
| Deposit Account | $16.2M | 3.5% |
| Bankcard Fees | $13.7M | 2.9% |
| Trading And Investment Banking | $6.1M | 1.3% |
| Other Financial Services | $2.3M | 0.5% |
UMB FINANCIAL CORP Revenue by Segment — Quarterly Trend
UMB FINANCIAL CORP revenue by segment across the last 4 reported quarters, showing how each business line (such as Other and Institutional Banking) has evolved quarter over quarter.
| Segment | Q1 FY2026 | Q4 FY2025 | Q3 FY2025 | Q2 FY2025 |
|---|---|---|---|---|
| Other | — | $256.7M | $135.6M | $136.7M |
| Institutional Banking | — | $107.2M | $103.7M | $99.4M |
| Fiduciary And Trust | — | — | $67.2M | $63.6M |
| Commercial Banking | — | $44.0M | $46.6M | $46.6M |
| Investment Securities Gains Losses Net | — | — | $4.1M | $37.7M |
UMB FINANCIAL CORP Annual Revenue by Year
UMB FINANCIAL CORP annual revenue history includes year-by-year totals (for example, 2025 revenue was $1.9B).
| Year | Annual Revenue |
|---|---|
| 2025 | $1.9B |
| 2024 | $1.0B |
| 2023 | $920.1M |
| 2022 | $913.8M |
UMB FINANCIAL CORP Quarterly Revenue & Net Profit History
UMB FINANCIAL CORP results over the last 8 reported quarters, including revenue, net profit and year-over-year growth.
| Quarter | Revenue | Revenue YoY | Net Profit | Net Margin |
|---|---|---|---|---|
| Q1 FY2026 | $739.2M | +31.1% | $261.4M | 35.4% |
| Q4 FY2025 | $522.5M | +94.3% | $215.4M | 41.2% |
| Q3 FY2025 | $475.0M | +92.0% | $188.3M | 39.6% |
| Q2 FY2025 | $467.0M | +90.5% | $217.4M | 46.5% |
| Q1 FY2025 | $397.6M | +66.1% | $81.3M | 20.5% |
| Q4 FY2024 | $269.0M | +16.7% | $120.0M | 44.6% |
| Q3 FY2024 | $247.4M | +11.3% | $109.6M | 44.3% |
| Q2 FY2024 | $245.1M | +8.6% | $101.3M | 41.3% |
Income Statement
| Q2 2024 | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | |
|---|---|---|---|---|---|---|---|---|
| Revenue | $245.1M | $247.4M | $269.0M | $397.6M | $467.0M | $475.0M | $522.5M | $739.2M |
| YoY Growth | 8.6% | 11.3% | 16.7% | 66.1% | 90.5% | 92.0% | 94.3% | 31.1% |
Balance Sheet
| Q2 2024 | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | |
|---|---|---|---|---|---|---|---|---|
| Assets | $44.47B | $47.50B | $50.41B | $69.35B | $71.76B | $71.88B | $73.09B | $72.67B |
| Liabilities | $41.24B | $43.96B | $46.94B | $62.60B | $64.47B | $64.44B | $65.40B | $64.85B |
| Equity | $3.23B | $3.54B | $3.47B | $6.75B | $7.29B | $7.44B | $7.69B | $7.83B |
Cash Flow
| Q2 2024 | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | |
|---|---|---|---|---|---|---|---|
| Operating CF | $112.4M | $123.6M | $-66.9M | $363.0M | $285.4M | $272.2M | $106.1M |