UMB Financial Corporation (UMBF) Earnings History
Steady Earner37 years of earnings data (1989–2025) · Positive but moderate multi-year EPS trajectory
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UMB Financial Corporation (UMBF) Earnings Overview
As of June 21, 2026, UMB Financial Corporation (UMBF) reported trailing twelve-month net income of $883M, reflecting +1.6% year-over-year growth. The company earned $11.57 per diluted share over the past four quarters, with a net profit margin of 15.8%.
Looking at the long-term picture, UMBF's 5-year EPS compound annual growth rate (CAGR) stands at +9.0%, showing solid earnings momentum. The company achieved its highest annual net income of $702M in fiscal 2025, representing a new all-time high.
UMB Financial Corporation maintains industry-leading profitability with a gross margin of 54.4%, operating margin of 20.3%, and net margin of 15.8%. This margin structure demonstrates strong pricing power and operational efficiency. View revenue history →
Compared to peers including WTFC ($824M net income, 19.5% margin), CBSH ($566M net income, 26.5% margin), BOKF ($578M net income, 17.4% margin), UMBF has room to improve margins relative to the peer group. Compare UMBF vs WTFC →
UMBF Earnings vs Peers
Earnings metrics vs comparable public companies
UMBF Historical Earnings Data (1989–2025)
37 years| Fiscal Year | Net Income | YoY % | Operating Income | EPS (Diluted) | Net Margin | Op. Margin |
|---|---|---|---|---|---|---|
| 2025 | $702M | +59.2% | $900M | $9.13 | 15.8% | 20.3% |
| 2024 | $441M | +26.1% | $541M | $8.99 | 16.7% | 20.5% |
| 2023 | $350M | -18.9% | $422M | $7.18 | 15.6% | 18.8% |
| 2022 | $432M | +22.3% | $532M | $8.86 | 27.3% | 33.6% |
| 2021 | $353M | +23.2% | $429M | $7.24 | 28.4% | 34.5% |
| 2020 | $287M | +17.6% | $339M | $5.93 | 22.1% | 26.2% |
| 2019 | $244M | +24.6% | $286M | $4.96 | 20.0% | 23.4% |
| 2018 | $196M | -20.9% | $224M | $3.93 | 18.3% | 20.9% |
| 2017 | $247M | +55.6% | $236M | $4.96 | 25.2% | 24.1% |
| 2016 | $159M | +36.8% | $199M | $3.22 | 18.3% | 22.9% |
| 2015 | $116M | -3.8% | $128M | $2.44 | 15.6% | 17.2% |
| 2014 | $121M | -9.9% | $258M | $2.65 | 15.3% | 32.8% |
| 2013 | $134M | +9.2% | $260M | $3.20 | 16.6% | 32.2% |
| 2012 | $123M | +15.3% | $170M | $3.04 | 16.8% | 23.4% |
| 2011 | $106M | +17.0% | $146M | $2.64 | 15.4% | 21.1% |
| 2010 | $91M | +1.7% | $127M | $2.26 | 14.1% | 19.7% |
| 2009 | $89M | -8.8% | $120M | $2.20 | 13.4% | 18.1% |
| 2008 | $98M | +32.2% | $140M | $2.38 | 14.0% | 20.0% |
| 2007 | $74M | +24.2% | $105M | $1.77 | 10.6% | 14.9% |
| 2006 | $60M | +6.1% | $81M | $1.40 | 9.6% | 13.0% |
| 2005 | $56M | +31.5% | $76M | $1.30 | 10.8% | 14.6% |
| 2004 | $43M | -27.2% | $52M | $0.99 | 9.6% | 11.6% |
| 2003 | $59M | +3.0% | $76M | $0.68 | 12.2% | 15.8% |
| 2002 | $57M | -12.4% | $73M | $1.29 | 10.9% | 13.8% |
| 2001 | $65M | +0.2% | $91M | $1.48 | 10.7% | 14.9% |
| 2000 | $65M | +1.6% | $88M | $1.39 | 10.4% | 14.0% |
| 1999 | $64M | +18.2% | $87M | $0.67 | 10.8% | 14.7% |
| 1998 | $54M | -12.2% | $76M | $0.45 | 9.4% | 13.2% |
| 1997 | $62M | +7.3% | $90M | $0.51 | 11.6% | 16.9% |
| 1996 | $58M | +10.2% | $86M | $0.45 | 11.5% | 17.1% |
| 1995 | $52M | +9.2% | $78M | $0.35 | 11.0% | 16.4% |
| 1994 | $48M | +16.3% | $70M | $0.89 | 10.2% | 15.1% |
| 1993 | $41M | +4.3% | $61M | $0.27 | 9.9% | 14.7% |
| 1992 | $39M | -0.3% | $55M | $0.30 | 10.7% | 15.0% |
| 1991 | $40M | +6.2% | $53M | $0.30 | 10.0% | 13.5% |
| 1990 | $37M | -7.2% | $48M | $0.26 | 9.1% | 11.9% |
| 1989 | $40M | - | $48M | $0.27 | 10.4% | 12.5% |
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UMBF — Frequently Asked Questions
Quick answers to the most common questions about buying UMBF stock.
What is UMBF earnings per share (EPS)?
UMBF trailing twelve-month (TTM) diluted EPS is $11.57, reflecting +1.6% year-over-year growth. The 5-year EPS CAGR is +9.0%. Complete EPS history from 1989 to 2025 is available in the table on this page.
What is UMB Financial Corporation's net income?
UMB Financial Corporation (UMBF) trailing twelve-month net income is $883M as of 2025. Earnings grew +1.6% year-over-year. UMB Financial Corporation has been profitable for 37 consecutive years.
Is UMBF profitable?
Yes, UMBF is profitable with a TTM net income of $883M and a net profit margin of +15.8%. UMB Financial Corporation has generated profits for 37 consecutive years.
What is UMBF's earnings growth rate?
UMBF compound annual EPS growth rates (CAGR): 1-Year: +1.6%, 3-Year: +1.0%, 5-Year: +9.0%, 10-Year: +14.1%. These figures measure the annualised rate of diluted EPS growth over each period, based on data from 1989 to 2025.
What are UMBF's profit margins?
UMB Financial Corporation net profit margin is +15.8%, operating margin is +20.3%, and gross margin is +54.4%. Above-average net margins reflect strong pricing power and competitive moat. Return on Equity is +12.6%.
Is UMBF growing earnings?
UMBF earnings growth is slowing. Current YoY EPS growth of +1.6% trails the 5-year CAGR of +9.0%. TTM net income is $883M.
What was UMBF's best earnings year?
UMB Financial Corporation's highest annual net income on record is $702M, achieved in fiscal year 2025. Earnings history on this page spans 1989 to 2025 and includes all annual and quarterly figures.
What were UMBF's earnings last quarter?
UMBF's most recent reported quarter was Q1 2026. Net income was $261M with diluted EPS of $3.35. For a full breakdown of all quarters, see the quarterly earnings table on this page.