UMB Financial Corporation (UMBF) Earnings History
Annual and quarterly earnings data from 1989 to 2025
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UMBF EPS Growth (CAGR)
Compound annual growth rate of diluted earnings per share
CAGR (Compound Annual Growth Rate) shows the annualized growth rate of EPS over the specified period. A higher CAGR indicates stronger earnings momentum.
UMBF Profitability Analysis
Margin trends over time
| Year | Gross Margin | Operating Margin | Net Margin |
|---|---|---|---|
| 2025 | 54.4% | 20.3% | 15.8% |
| 2024 | 53.3% | 20.5% | 16.7% |
| 2023 | 57.2% | 18.8% | 15.6% |
| 2022 | 83.5% | 33.6% | 27.3% |
| 2021 | 94.7% | 34.5% | 28.4% |
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UMB Financial Corporation (UMBF) Earnings Overview
As of May 6, 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 ($537M net income, 15.6% 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% |
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Start ComparisonUMBF — Frequently Asked Questions
Quick answers to the most common questions about buying UMBF stock.
Is UMBF growing earnings?
UMBF EPS of $11.57 reflects slowing growth at +1.6%, below the 5-year CAGR of +9.0%. TTM net income is $883M. Expansion rate has moderated.
What are UMBF's profit margins?
UMB Financial Corporation net margin is +15.8%, with operating margin at +20.3%. Above-average margins indicate pricing power.
How consistent are UMBF's earnings?
UMBF earnings data spans 1989-2025. The current earnings trend is +1.6% YoY. Historical data enables comparison across business cycles.