UMB Financial Corporation (UMBF) quarterly income statement — complete revenue, gross profit & net income history
| Metric | Q1'26 | Q4'25 | Q3'25 | Q2'25 | Q1'25 | Q4'24 | Q3'24 | Q2'24 | Q1'24 | Q4'23 | Q3'23 | Q2'23 | Q1'23 | Q4'22 | Q3'22 | Q2'22 | Q1'22 | Q4'21 | Q3'21 | Q2'21 |
|---|
| Net Interest Income | 534.37M | 522.5M | 1.18B | 467.02M | 397.64M | 268.97M | 247.38M | 245.11M | 239.43M | 230.52M | 222.29M | 225.61M | 241.7M | 245.17M | 233.49M | 224.79M | 210.35M | 210.57M | 209.76M | 201.07M |
| NII Growth % | 34.38% | 94.26% | 378.89% | 90.54% | 66.07% | 16.68% | 11.29% | 8.64% | -0.94% | -5.97% | -4.8% | 0.36% | 14.9% | 16.43% | 11.31% | 11.8% | 8.37% | 8.16% | 13.77% | 12.82% |
| Net Interest Margin % | 0.74% | 0.71% | 1.65% | 0.65% | 0.57% | 0.53% | 0.52% | 0.55% | 0.53% | 0.52% | 0.54% | 0.55% | 0.6% | 0.64% | 0.62% | 0.6% | 0.52% | 0.49% | 0.56% | 0.55% |
| Interest Income | 867.07M | 886.88M | 1.59B | 850.54M | 737.97M | 554.97M | 557.69M | 538.28M | 520.07M | 496.6M | 471.98M | 461.38M | 408.75M | 366.81M | 300.34M | 248.57M | 221.8M | 221.58M | 221.33M | 212.63M |
| Interest Expense | 332.7M | 364.38M | 403.86M | 383.51M | 340.33M | 285.99M | 310.32M | 293.17M | 280.63M | 266.08M | 249.69M | 235.77M | 167.05M | 121.65M | 66.85M | 23.78M | 11.44M | 11.01M | 11.56M | 11.56M |
| Loan Loss Provision | 0 | 0 | 426.99M | 21M | 86M | 19M | 18M | 14.05M | 10M | 0 | 4.98M | 13M | 23.25M | 9M | 22M | 13.4M | -6.5M | 8.5M | -5M | 24M |
| Non-Interest Income | 0 | 198.37M | -97.25M | 166.18M | 112.55M | 125.25M | 116.56M | 103.4M | 120.74M | 104.31M | 98.45M | 103.2M | 99.83M | 94.58M | 101.27M | 151.12M | 98.67M | 94.83M | 86.55M | 110.56M |
| Non-Interest Income % | 0% | 18.28% | -6.52% | 16.35% | 13.23% | 18.41% | 17.29% | 16.11% | 18.84% | 17.36% | 17.26% | 18.28% | 19.63% | 20.5% | 25.22% | 37.81% | 30.79% | 29.97% | 28.11% | 34.21% |
| Total Revenue | 867.07M | 1.09B | 1.49B | 1.02B | 850.52M | 680.22M | 674.26M | 641.68M | 640.81M | 600.91M | 570.42M | 564.58M | 508.57M | 461.39M | 401.61M | 399.69M | 320.47M | 316.42M | 307.88M | 323.19M |
| Revenue Growth % | 1.95% | 59.54% | 121.17% | 58.45% | 32.73% | 13.2% | 18.2% | 13.66% | 26% | 30.24% | 42.03% | 41.26% | 58.7% | 45.82% | 30.45% | 23.67% | 8.82% | -24.02% | 5.3% | 9.53% |
| Non-Interest Expense | 407.88M | 425.56M | 423.86M | 337.17M | 331.14M | 230.4M | 210.28M | 207.55M | 216.3M | 254.03M | 196.57M | 205.79M | 206.68M | 206.9M | 203.94M | 188.91M | 189.77M | 198.53M | 187.51M | 180.31M |
| Efficiency Ratio | 47.04% | 39.21% | 28.42% | 33.16% | 38.93% | 33.87% | 31.19% | 32.34% | 33.75% | 42.27% | 34.46% | 36.45% | 40.64% | 44.84% | 50.78% | 47.26% | 59.22% | 62.74% | 60.91% | 55.79% |
| Operating Income | 126.48M | 295.31M | 236.56M | 275.04M | 93.05M | 144.82M | 135.66M | 126.91M | 133.87M | 80.8M | 119.19M | 110.02M | 111.59M | 123.84M | 108.81M | 173.6M | 125.75M | 98.37M | 113.8M | 107.32M |
| Operating Margin % | 14.59% | 27.21% | 15.86% | 27.05% | 10.94% | 21.29% | 20.12% | 19.78% | 20.89% | 13.45% | 20.89% | 19.49% | 21.94% | 26.84% | 27.09% | 43.43% | 39.24% | 31.09% | 36.96% | 33.21% |
| Operating Income Growth % | 35.93% | 103.91% | 74.37% | 116.72% | -30.49% | 79.23% | 13.83% | 15.35% | 19.97% | -34.76% | 9.53% | -36.62% | -11.26% | 25.9% | -4.39% | 61.76% | 14.78% | -48.53% | 36.48% | 56.33% |
| Pretax Income | 331.28M | 270.31M | 236.56M | 275.04M | 93.05M | 144.82M | 135.66M | 126.91M | 133.87M | 80.8M | 119.19M | 110.02M | 111.59M | 123.84M | 108.81M | 173.6M | 125.75M | 98.37M | 113.8M | 107.32M |
| Pretax Margin % | 38.21% | 24.91% | 15.86% | 27.05% | 10.94% | 21.29% | 20.12% | 19.78% | 20.89% | 13.45% | 20.89% | 19.49% | 21.94% | 26.84% | 27.09% | 43.43% | 39.24% | 31.09% | 36.96% | 33.21% |
| Income Tax | 69.84M | 54.95M | 48.24M | 57.65M | 11.72M | 24.83M | 26.02M | 25.57M | 23.62M | 9.88M | 22.63M | 19.91M | 19.16M | 23.67M | 20.82M | 36.04M | 19.79M | 19.87M | 19.34M | 19.91M |
| Effective Tax Rate % | 21.08% | 20.33% | 20.39% | 20.96% | 12.59% | 17.14% | 19.18% | 20.14% | 17.64% | 12.23% | 18.99% | 18.1% | 17.17% | 19.11% | 19.14% | 20.76% | 15.74% | 20.2% | 16.99% | 18.55% |
| Net Income | 261.44M | 215.35M | 188.32M | 217.39M | 81.33M | 120M | 109.64M | 101.34M | 110.26M | 70.92M | 96.55M | 90.11M | 92.44M | 100.17M | 87.99M | 137.56M | 105.96M | 78.5M | 94.47M | 87.41M |
| Net Margin % | 30.15% | 19.84% | 12.63% | 21.38% | 9.56% | 17.64% | 16.26% | 15.79% | 17.21% | 11.8% | 16.93% | 15.96% | 18.18% | 21.71% | 21.91% | 34.42% | 33.07% | 24.81% | 30.68% | 27.05% |
| Net Income Growth % | 221.44% | 79.47% | 71.75% | 114.51% | -26.23% | 69.19% | 13.56% | 12.47% | 19.28% | -29.2% | 9.73% | -34.49% | -12.76% | 27.62% | -6.86% | 57.37% | 14.38% | -49.79% | 29.24% | 44.41% |
| Net Income (Continuing) | 261.44M | 215.35M | 188.32M | 217.39M | 81.33M | 120M | 109.64M | 101.34M | 110.26M | 70.92M | 96.55M | 90.11M | 92.44M | 100.17M | 87.99M | 137.56M | 105.96M | 78.5M | 94.47M | 87.41M |
| EPS (Diluted) | 3.35 | 2.74 | 2.36 | 2.82 | 1.21 | 2.44 | 2.23 | 2.07 | 2.25 | 1.45 | 1.98 | 1.85 | 1.90 | 2.06 | 1.81 | 2.83 | 2.17 | 1.61 | 1.94 | 1.79 |
| EPS Growth % | 176.86% | 12.3% | 5.83% | 36.23% | -46.22% | 68.28% | 12.63% | 11.89% | 18.42% | -29.61% | 9.39% | -34.63% | -12.44% | 27.95% | -6.7% | 58.1% | 13.61% | -50.31% | 27.63% | 42.06% |
| EPS (Basic) | 3.36 | 2.76 | 2.38 | 2.84 | 1.22 | 2.46 | 2.25 | 2.08 | 2.27 | 1.46 | 1.99 | 1.86 | 1.91 | 2.07 | 1.82 | 2.85 | 2.19 | 1.62 | 1.96 | 1.81 |
| Diluted Shares Outstanding | 76.31M | 76.48M | 75.33M | 76.24M | 65.5M | 49.18M | 49.08M | 48.97M | 48.92M | 48.86M | 48.76M | 48.67M | 48.75M | 48.73M | 48.65M | 48.67M | 48.83M | 48.85M | 48.74M | 48.7M |