Umb Financial Corp - Understand $umbf stock

$UMBF Market Cap: $6.041 Billion

Research Board Inbox Deep Research Not Interested Shortlisted

Financial Snapshot

Revenue

$1.616B

TTM

Gross Margin

Net Earnings

$392.2M

TTM

Current Assets

Current Liabilities

$3.461B

Q3 2024

Current Ratio

Total Assets

$47.50B

Q3 2024

Total Liabilities

$43.96B

Q3 2024

Book Value

$3.535B

Q3 2024

Cash

$7.277B

Q3 2024

P/E

15.40

Nov 13, 2024 EST

Free Cash Flow

$359.3M

TTM

Revenues

Revenue YoY Change

Revenues

Concept	2023	2022	2021	2020	2019	2018	2017	2016	2015	2014	2013	2012	2011	2010	2009	2008	2007	2006	2005	2004	2003	2002	2001	2000	1999	1998	1997	1996	1995	1994	1993	1992	1991	1990	1989	1988	1987	1986	1985	1984	1983
Revenue	$1.839B	$1.138B	$861.5M	$808.5M	$862.9M	$732.0M	$616.9M	$523.0M	$430.7M	$363.9M	$348.3M	$339.7M	$343.7M	$346.5M
YoY Change	61.64%	32.04%	6.56%	-6.3%	17.89%	18.65%	17.95%	21.44%	18.36%	4.46%	2.55%	-1.15%	-0.82%

Expenses

Cost Of Revenues

Gross Profit

Gross Profit Margin

Gross Profit

Concept	2023	2022	2021	2020	2019	2018	2017	2016	2015	2014	2013	2012	2011	2010
Revenue	$1.839B	$1.138B	$861.5M	$808.5M	$862.9M	$732.0M	$616.9M	$523.0M	$430.7M	$363.9M	$348.3M	$339.7M	$343.7M	$346.5M
Cost Of Revenue
Gross Profit
Gross Profit Margin

Selling, General & Admin Expense

Research & Development

Depreciation, Depletion & Amortization

SGA Expense to Gross Profit Ratio

R&D To Gross Profit Ratio

DDA To Gross Profit Ratio

Operating Expenses Total

Operating Profits/Loss

Operational Expenses

Concept	2023	2022	2021	2020	2019	2018	2017	2016	2015	2014	2013	2012	2011	2010	2009	2008	2007	2006	2005	2004	2003	2002	2001	2000	1999	1998	1997	1996	1995	1994	1993	1992	1991	1990	1989	1988
Selling, General & Admin
YoY Change
% of Gross Profit
Research & Development
YoY Change
% of Gross Profit
Depreciation & Amortization	$58.72M	$54.02M	$55.70M	$62.80M	$56.30M	$53.10M	$54.90M	$54.60M	$52.80M	$46.40M	$44.20M	$40.80M	$42.90M	$39.40M	$38.10M	$37.70M	$37.40M	$34.90M	$31.00M	$31.60M	$32.40M	$33.60M	$38.70M	$39.20M	$28.40M	$24.20M	$24.50M	$23.80M	$23.40M	$22.30M	$19.20M	$14.00M	$12.50M	$13.10M	$13.80M	$12.60M
YoY Change	8.7%	-3.01%	-11.31%	11.55%	6.03%	-3.28%	0.55%	3.41%	13.79%	4.98%	8.33%	-4.9%	8.88%	3.41%	1.06%	0.8%	7.16%	12.58%	-1.9%	-2.47%	-3.57%	-13.18%	-1.28%	38.03%	17.36%	-1.22%	2.94%	1.71%	4.93%	16.15%	37.14%	12.0%	-4.58%	-5.07%	9.52%
% of Gross Profit
Operating Expenses
YoY Change
Operating Profit
YoY Change

Interest Expenses

Interest Expenses To Operating Income %

Other Expense/Income

Interest & Other Expense/Income

Concept	2023	2022	2021	2020	2019	2018	2017	2016	2015	2014	2013	2012	2011	2010
Interest Expense	$918.6M	$223.7M	$46.00M	$77.26M	$192.0M	$121.5M	$58.00M	$27.71M	$18.61M	$13.82M	$15.07M	$19.63M	$26.68M	$35.89M
YoY Change	310.59%	386.34%	-40.46%	-59.76%	57.99%	109.51%	109.32%	48.86%	34.73%	-8.33%	-23.22%	-26.43%	-25.67%
% of Operating Profit
Other Income/Expense, Net
YoY Change

Income/Loss

Pretax Income

Income Tax

Net Profits/Loss

Pretax Income YoY Change

Income Tax Rate

Net Profits/Loss YoY Change

Basic EPS

Net Income To Revenue Ratio

Pretax & Net Income

Concept	2023	2022	2021	2020	2019	2018	2017	2016	2015	2014	2013	2012	2011	2010	2009	2008	2007	2006	2005	2004	2003	2002	2001	2000	1999	1998	1997	1996	1995	1994	1993	1992	1991	1990	1989	1988	1987	1986	1985	1984	1983
Pretax Income	$421.6M	$532.0M	$429.1M	$338.9M	$286.0M	$223.6M	$236.3M	$198.6M	$128.3M	$166.1M	$184.4M	$170.2M	$146.4M	$126.9M	$120.5M	$139.8M	$105.0M	$82.00M	$76.30M	$51.70M	$76.00M	$72.60M	$90.90M	$88.10M	$87.10M	$76.00M	$89.80M	$85.50M	$77.60M	$70.40M	$61.20M	$55.10M	$53.40M	$48.30M	$48.00M	$41.00M	$38.50M	$30.20M	$36.20M	$34.90M	$25.40M
YoY Change	-20.75%	23.99%	26.61%	18.51%	27.89%	-5.4%	19.01%	54.8%	-22.75%	-9.94%	8.33%	16.31%	15.38%	5.27%	-13.81%	33.14%	28.05%	7.47%	47.58%	-31.97%	4.68%	-20.13%	3.18%	1.15%	14.61%	-15.37%	5.03%	10.18%	10.23%	15.03%	11.07%	3.18%	10.56%	0.63%	17.07%	6.49%	27.48%	-16.57%	3.72%	37.4%
Income Tax	$71.58M	$100.3M	$76.04M	$52.39M	$42.37M	$27.33M	$53.37M	$44.96M	$31.73M	$45.41M	$50.43M	$47.51M	$39.89M	$35.85M	$31.00M	$41.80M	$30.80M	$22.30M	$20.00M	$8.900M	$17.10M	$15.40M	$25.70M	$23.00M	$23.00M	$21.80M	$28.10M	$28.00M	$25.40M	$22.60M	$20.10M	$15.70M	$13.90M	$11.20M	$10.40M	$6.600M	$6.200M	-$900.0K	$5.900M	$5.600M	-$300.0K
% Of Pretax Income	16.98%	18.86%	17.72%	15.46%	14.81%	12.22%	22.58%	22.64%	24.73%	27.34%	27.35%	27.91%	27.25%	28.26%	25.73%	29.9%	29.33%	27.2%	26.21%	17.21%	22.5%	21.21%	28.27%	26.11%	26.41%	28.68%	31.29%	32.75%	32.73%	32.1%	32.84%	28.49%	26.03%	23.19%	21.67%	16.1%	16.1%	-2.98%	16.3%	16.05%	-1.18%
Net Earnings	$350.0M	$431.7M	$353.0M	$286.5M	$243.6M	$195.5M	$247.1M	$158.8M	$116.1M	$120.7M	$134.0M	$122.7M	$106.5M	$91.00M	$89.50M	$98.10M	$74.20M	$59.80M	$56.30M	$42.80M	$58.90M	$57.20M	$65.20M	$65.10M	$64.10M	$54.20M	$61.70M	$57.50M	$52.20M	$47.80M	$41.10M	$39.40M	$39.50M	$37.20M	$40.10M	$34.50M	$32.30M	$31.10M	$30.30M	$29.40M	$25.70M
YoY Change	-18.92%	22.28%	23.22%	17.61%	24.6%	-20.88%	55.61%	36.81%	-3.8%	-9.94%	9.17%	15.26%	17.0%	1.68%	-8.77%	32.21%	24.08%	6.22%	31.54%	-27.33%	2.97%	-12.27%	0.15%	1.56%	18.27%	-12.16%	7.3%	10.15%	9.21%	16.3%	4.31%	-0.25%	6.18%	-7.23%	16.23%	6.81%	3.86%	2.64%	3.06%	14.4%
Net Earnings / Revenue	19.04%	37.95%	40.98%	35.44%	28.23%	26.71%	40.06%	30.36%	26.95%	33.16%	38.46%	36.13%	30.98%	26.26%
Basic Earnings Per Share	$7.22	$8.93	$7.31	$5.95	$4.99	$3.97	$5.02	$3.25	$2.46	$2.69	$3.25	$3.07	$2.66	$2.27
Diluted Earnings Per Share	$7.18	$8.855M	$7.24	$5.93	$4.96	$3.93	$4.96	$3.22	$2.44	$2.65	$3.20	$3.04	$2.64	$2.26	$2.221M	$2.387M	$1.767M	$1.397M	$1.300M	$983.9K	$1.348M	$1.294M	$1.472M	$1.456M	$1.400M	$1.153M	$1.304M	$1.188M	$998.1K	$895.1K	$832.0K	$927.1K	$929.4K	$875.3K	$909.3K	$766.7K	$716.2K	$689.6K	$671.8K	$650.4K	$568.6K

Assets & Liabilities

Cash & Short-Term Investments

Cash & Equivalents

Cash To Operating Expenses Ratio

Inventory

Receivables

Total Short-Term Assets

Property, Plant And Equipment

Long-Term Investments

Total Long-Term Assets

Total Assets

Net Income To Total Assets Percentage

Accounts Payable

Short-Term Debt

Long Term Debt Due

Total Short-Term Liabilities

Long-Term Debt

Other Long-Term Liabilities

Total Long-Term Liabilities

Total Liabilities

Short-Term To Long-Term Debt Ratio

Short-Term Assets To Debt Ratio

Long-Term Debt To Net Income Ratio

Assets & Liabilities

Concept	2023	2022	2021	2020	2019	2018	2017	2016	2015	2014	2013	2012	2011	2010	2009	2008	2007	2006	2005	2004	2003	2002	2001	2000	1999	1998	1997	1996	1995	1994	1993	1992	1991	1990	1989	1988	1987	1986	1985	1984	1983
Cash & Short-Term Investments
YoY Change
Cash & Equivalents
Short-Term Investments
Other Short-Term Assets
YoY Change
Inventory
Prepaid Expenses
Receivables
Other Receivables
Total Short-Term Assets
YoY Change
Property, Plant & Equipment	$241.7M	$263.6M	$328.0M	$356.0M	$367.0M	$284.0M	$276.0M	$289.0M	$281.0M	$258.0M	$250.0M	$245.0M	$228.0M	$220.0M	$218.0M	$227.0M	$236.0M	$243.0M	$236.0M	$226.0M	$219.0M	$231.0M	$241.0M	$251.0M	$240.0M	$206.0M	$173.0M	$153.0M	$148.0M	$130.0M	$129.0M	$105.0M	$97.00M	$90.00M	$86.00M	$86.00M	$86.00M	$88.00M	$67.00M	$50.00M	$46.00M
YoY Change	-8.33%	-19.62%	-7.87%	-3.0%	29.23%	2.9%	-4.5%	2.85%	8.91%	3.2%	2.04%	7.46%	3.64%	0.92%	-3.96%	-3.81%	-2.88%	2.97%	4.42%	3.2%	-5.19%	-4.15%	-3.98%	4.58%	16.5%	19.08%	13.07%	3.38%	13.85%	0.78%	22.86%	8.25%	7.78%	4.65%	0.0%	0.0%	-2.27%	31.34%	34.0%	8.7%
Goodwill
YoY Change
Intangibles
YoY Change
Long-Term Investments
YoY Change
Other Assets						$27.00M	-$6.000M	$58.00M	$27.00M	$19.00M	$34.00M
YoY Change						-550.0%	-110.34%	114.81%	42.11%	-44.12%
Total Long-Term Assets
YoY Change
Total Assets	$44.01B	$38.51B	$42.69B	$33.13B	$26.56B	$23.35B	$21.77B	$20.68B	$19.09B	$17.50B	$16.91B	$14.93B	$13.54B	$12.41B	$11.66B	$10.98B	$9.343B	$8.918B	$8.248B	$7.805B	$7.749B	$8.036B	$8.731B	$7.867B	$8.130B	$7.648B	$7.054B	$6.512B	$6.281B	$6.599B	$6.529B	$5.003B	$4.692B	$4.272B	$4.038B	$3.714B	$3.550B	$3.203B	$2.878B	$2.355B	$2.639B
YoY Change
Accounts Payable
YoY Change
Accrued Expenses	$389.9M	$239.6M	$292.0M	$296.0M	$275.0M	$178.0M	$191.0M	$173.0M	$161.0M	$180.0M	$153.0M	$182.0M	$186.0M	$145.0M	$108.0M	$81.00M	$76.00M	$52.00M	$39.00M	$22.00M	$28.00M	$45.00M	$51.00M	$51.00M	$37.00M	$52.00M	$57.00M	$47.00M	$63.00M	$39.00M	$57.00M	$36.00M	$40.00M	$52.00M	$44.00M	$43.00M	$48.00M	$43.00M	$44.00M	$35.00M	$33.00M
YoY Change	62.7%	-17.94%	-1.35%	7.64%	54.49%	-6.81%	10.4%	7.45%	-10.56%	17.65%	-15.93%	-2.15%	28.28%	34.26%	33.33%	6.58%	46.15%	33.33%	77.27%	-21.43%	-37.78%	-11.76%	0.0%	37.84%	-28.85%	-8.77%	21.28%	-25.4%	61.54%	-31.58%	58.33%	-10.0%	-23.08%	18.18%	2.33%	-10.42%	11.63%	-2.27%	25.71%	6.06%
Deferred Revenue
YoY Change
Short-Term Debt	$3.920B	$2.222B	$3.238B	$2.315B	$1.897B	$1.519B	$1.261B	$1.857B	$1.823B	$2.025B	$1.583B	$1.787B	$1.963B	$2.120B	$1.957B	$2.143B	$1.769B	$1.639B	$1.396B	$1.545B	$1.245B	$1.304B	$1.462B	$982.0M	$1.417B	$922.0M	$717.0M	$615.0M	$722.0M	$802.0M	$678.0M	$696.0M	$841.0M	$594.0M	$346.0M	$238.0M	$103.0M	$120.0M	$119.0M	$59.00M	$519.0M
YoY Change	76.39%	-31.37%	39.87%	22.03%	24.88%	20.46%	-32.09%	1.87%	-9.98%	27.92%	-11.42%	-8.97%	-7.41%	8.33%	-8.68%	21.14%	7.93%	17.41%	-9.64%	24.1%	-4.52%	-10.81%	48.88%	-30.7%	53.69%	28.59%	16.59%	-14.82%	-9.98%	18.29%	-2.59%	-17.24%	41.58%	71.68%	45.38%	131.07%	-14.17%	0.84%	101.69%	-88.63%
Long-Term Debt Due					$12.00M	$2.000M
YoY Change					500.0%
Total Short-Term Liabilities	$4.310B	$239.6M	$292.0M	$296.0M	$287.0M	$180.0M	$191.0M	$173.0M	$161.0M	$180.0M	$153.0M	$182.0M	$186.0M	$145.0M	$108.0M	$81.00M	$76.00M	$52.00M	$39.00M	$22.00M	$28.00M	$45.00M	$51.00M	$51.00M	$37.00M	$52.00M	$57.00M	$47.00M	$63.00M	$39.00M	$57.00M	$36.00M	$40.00M	$52.00M	$44.00M	$43.00M	$48.00M	$43.00M	$44.00M	$35.00M	$33.00M
YoY Change	1698.44%	-17.94%	-1.35%	3.14%	59.44%	-5.76%	10.4%	7.45%	-10.56%	17.65%	-15.93%	-2.15%	28.28%	34.26%	33.33%	6.58%	46.15%	33.33%	77.27%	-21.43%	-37.78%	-11.76%	0.0%	37.84%	-28.85%	-8.77%	21.28%	-25.4%	61.54%	-31.58%	58.33%	-10.0%	-23.08%	18.18%	2.33%	-10.42%	11.63%	-2.27%	25.71%	6.06%
Long-Term Debt	$383.2M	$381.3M	$272.0M	$270.0M	$86.00M	$80.00M	$79.00M	$77.00M	$86.00M	$9.000M	$5.000M	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$15.00M	$18.00M	$21.00M	$34.00M	$39.00M	$45.00M	$51.00M	$41.00M	$46.00M	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00
YoY Change	0.51%	40.19%	0.74%	213.95%	7.5%	1.27%	2.6%	-10.47%	855.56%	80.0%											-100.0%	-16.67%	-14.29%	-38.24%	-12.82%	-13.33%	-11.76%	24.39%	-10.87%
Other Long-Term Liabilities	$425.6M	$363.1M	$124.0M	$83.00M	$52.00M	$62.00M	$36.00M	$43.00M	$37.00M	$26.00M	$23.00M	$19.00M	$25.00M	$41.00M	$23.00M	$16.00M	$21.00M	$31.00M	$20.00M	$10.00M	$12.00M	$10.00M	$46.00M	$169.0M	$59.00M	$75.00M	$65.00M	$25.00M	$19.00M	$22.00M	$46.00M	$28.00M	$28.00M	$28.00M	$15.00M	$14.00M	$15.00M	$26.00M	$38.00M	$17.00M	$7.000M
YoY Change	17.21%	192.85%	49.4%	59.62%	-16.13%	72.22%	-16.28%	16.22%	42.31%	13.04%	21.05%	-24.0%	-39.02%	78.26%	43.75%	-23.81%	-32.26%	55.0%	100.0%	-16.67%	20.0%	-78.26%	-72.78%	186.44%	-21.33%	15.38%	160.0%	31.58%	-13.64%	-52.17%	64.29%	0.0%	0.0%	86.67%	7.14%	-6.67%	-42.31%	-31.58%	123.53%	142.86%
Total Long-Term Liabilities	$808.9M	$744.4M	$396.0M	$353.0M	$138.0M	$142.0M	$115.0M	$120.0M	$123.0M	$35.00M	$28.00M	$19.00M	$25.00M	$41.00M	$23.00M	$16.00M	$21.00M	$31.00M	$20.00M	$10.00M	$12.00M	$25.00M	$64.00M	$190.0M	$93.00M	$114.0M	$110.0M	$76.00M	$60.00M	$68.00M	$46.00M	$28.00M	$28.00M	$28.00M	$15.00M	$14.00M	$15.00M	$26.00M	$38.00M	$17.00M	$7.000M
YoY Change	8.66%	87.99%	12.18%	155.8%	-2.82%	23.48%	-4.17%	-2.44%	251.43%	25.0%	47.37%	-24.0%	-39.02%	78.26%	43.75%	-23.81%	-32.26%	55.0%	100.0%	-16.67%	-52.0%	-60.94%	-66.32%	104.3%	-18.42%	3.64%	44.74%	26.67%	-11.76%	47.83%	64.29%	0.0%	0.0%	86.67%	7.14%	-6.67%	-42.31%	-31.58%	123.53%	142.86%
Total Liabilities	$40.91B	$35.85B	$39.55B	$30.11B	$23.96B	$21.12B	$19.59B	$18.72B	$17.20B	$15.86B	$15.41B	$13.65B	$12.35B	$11.34B	$10.65B	$10.00B	$8.452B	$8.069B	$7.414B	$6.986B	$6.937B	$7.233B	$7.962B	$7.164B	$7.475B	$6.985B	$6.430B	$5.930B	$5.659B	$6.042B	$5.942B	$4.604B	$4.319B	$3.928B	$3.722B	$3.405B	$3.266B	$2.943B	$2.640B	$2.140B	$2.446B
YoY Change	14.13%	-9.36%	31.34%	25.7%	13.41%	7.83%	4.65%	8.83%	8.48%	2.93%	12.88%	10.51%	8.87%	6.54%	6.46%	18.34%	4.75%	8.83%	6.13%	0.71%	-4.09%	-9.16%	11.14%	-4.16%	7.02%	8.63%	8.43%	4.79%	-6.34%	1.68%	29.06%	6.6%	9.95%	5.53%	9.31%	4.26%	10.98%	11.48%	23.36%	-12.51%

Ownership

Basic Shares Outstanding

Diluted Shares Outstanding

Preferred Stock

Treasury Stock Shares

Stock Issuance & Repurchase

Ownership Data

Concept	2023	2022	2021	2020	2019	2018	2017	2016	2015	2014	2013	2012	2011	2010
Basic Shares Outstanding	48.50M	48.34M	48.27M	48.14M	48.78M	49.33M	49.22M	48.83M shares	47.13M shares	44.84M shares	41.28M shares	40.03M shares	40.03M shares	40.07M shares
Diluted Shares Outstanding	48.76M	48.75M	48.74M	48.34M	49.09M	49.77M	49.84M	49.28M shares	47.58M shares	45.45M shares	41.84M shares	40.43M shares	40.31M shares	40.31M shares
Preferred Stock
Treasury Stock Shares

Return On Shareholders' Equity

Book Value

Free Cash Flow

Free Cash Flow YoY

Free Cash Flow Margin

Dividends

Stock Price

Market Cap: $6.0412 Billion

About UMB Financial Corp

UMB Financial Corp. engages in the provision of bank and asset services. The company is headquartered in Kansas City, Missouri and currently employs 3,599 full-time employees. The firm offers commercial banking, which includes comprehensive deposit, lending and investment services, personal banking, which includes wealth management and financial planning services, and institutional banking, which includes asset servicing, corporate trust solutions, investment banking, and healthcare services. Its segments include Commercial Banking, which serves the commercial banking and treasury management needs of the Company’s small to middle-market businesses through a range of products and services; Institutional Banking segment, which is a combination of banking services, fund services, asset management services and healthcare services provided to institutional clients, and Personal Banking segment that combines consumer banking and wealth management services offered to clients and delivered through personal relationships and its bank branches, automated teller machine (ATM) network and Internet banking.

Industry: National Commercial Banks Peers: Cadence Bank Bank Ozk CVB Financial Corp First Interstate Bancsystem Inc FNB Corp Hancock Whitney Corp Home BancShares Inc PNC Financial Services Group Inc ServisFirst Bancshares Inc UMPQUA HOLDINGS CORP