# UMB Financial Corp: financial statements, quarterly

UMBF · Nasdaq · CIK 101382 · [Financials](/sectors/financials.md) · fiscal year ends Dec 31

Pages: [Overview](/companies/umbf.md) · [Financials](/companies/umbf/financials.md) · [Filings](/companies/umbf/filings.md) · [Insiders](/companies/umbf/insiders.md)

Standardized line items from XBRL company facts. Each value links to its filing; d marks a value derived from year-to-date figures. Other view: [annual](/companies/umbf/financials.md?period=annual).

## Income statement

| Line item | Unit | Q4 FY2023 (2023-12-31) | Q1 FY2024 (2024-03-31) | Q2 FY2024 (2024-06-30) | Q3 FY2024 (2024-09-30) | Q4 FY2024 (2024-12-31) | Q1 FY2025 (2025-03-31) | Q2 FY2025 (2025-06-30) | Q3 FY2025 (2025-09-30) | Q4 FY2025 (2025-12-31) | Q1 FY2026 (2026-03-31) | Q2 FY2026 (2026-06-30) | Q3 FY2026 (2026-09-30) |
| --- | --- | ---: | ---: | ---: | ---: | ---: | ---: | ---: | ---: | ---: | ---: | ---: | ---: |
| Interest expense | $m | [266 d](/filings/0000950170-24-018456.md) | [281](/filings/0000950170-24-053990.md) | [293](/filings/0000950170-24-088982.md) | not reported | not reported | not reported | not reported | not reported | not reported | not reported | not reported | not reported |
| Income tax | $m | [9.9 d](/filings/0001193125-26-076496.md) | [23.6](/filings/0000950170-25-062287.md) | [25.6](/filings/0000950170-25-100572.md) | [26.0](/filings/0001193125-25-257610.md) | [24.8 d](/filings/0001193125-26-076496.md) | [11.7](/filings/0001193125-26-194310.md) | [57.6](/filings/0001193125-26-325054.md) | [48.2](/filings/0001193125-26-437096.md) | [55.0 d](/filings/0001193125-26-076496.md) | [69.8](/filings/0001193125-26-194310.md) | [72.8](/filings/0001193125-26-325054.md) | [63.8](/filings/0001193125-26-437096.md) |
| Net income | $m | [70.9 d](/filings/0001193125-26-076496.md) | [110](/filings/0000950170-25-062287.md) | [101](/filings/0000950170-25-100572.md) | [110](/filings/0001193125-25-257610.md) | [120 d](/filings/0001193125-26-076496.md) | [81.3](/filings/0001193125-26-194310.md) | [217](/filings/0001193125-26-325054.md) | [188](/filings/0001193125-26-437096.md) | [215 d](/filings/0001193125-26-076496.md) | [261](/filings/0001193125-26-194310.md) | [278](/filings/0001193125-26-325054.md) | [278](/filings/0001193125-26-437096.md) |
| Diluted EPS | $ per share | not reported | [2.25](/filings/0000950170-25-062287.md) | [2.07](/filings/0000950170-25-100572.md) | [2.23](/filings/0001193125-25-257610.md) | not reported | [1.21](/filings/0001193125-26-194310.md) | [2.82](/filings/0001193125-26-325054.md) | [2.36](/filings/0001193125-26-437096.md) | not reported | [3.35](/filings/0001193125-26-194310.md) | [3.56](/filings/0001193125-26-325054.md) | [3.56](/filings/0001193125-26-437096.md) |
| Basic EPS | $ per share | not reported | [2.27](/filings/0000950170-25-062287.md) | [2.08](/filings/0000950170-25-100572.md) | [2.25](/filings/0001193125-25-257610.md) | not reported | [1.22](/filings/0001193125-26-194310.md) | [2.84](/filings/0001193125-26-325054.md) | [2.38](/filings/0001193125-26-437096.md) | not reported | [3.36](/filings/0001193125-26-194310.md) | [3.58](/filings/0001193125-26-325054.md) | [3.58](/filings/0001193125-26-437096.md) |

- Interest expense: us-gaap:InterestExpense
- Income tax: us-gaap:IncomeTaxExpenseBenefit
- Net income: us-gaap:NetIncomeLoss
- Diluted EPS: us-gaap:EarningsPerShareDiluted
- Basic EPS: us-gaap:EarningsPerShareBasic

## Balance sheet

| Line item | Unit | FY2023 (2023-12-31) | Q1 FY2024 (2024-03-31) | Q2 FY2024 (2024-06-30) | Q3 FY2024 (2024-09-30) | FY2024 (2024-12-31) | Q1 FY2025 (2025-03-31) | Q2 FY2025 (2025-06-30) | Q3 FY2025 (2025-09-30) | FY2025 (2025-12-31) | Q1 FY2026 (2026-03-31) | Q2 FY2026 (2026-06-30) | Q3 FY2026 (2026-09-30) |
| --- | --- | ---: | ---: | ---: | ---: | ---: | ---: | ---: | ---: | ---: | ---: | ---: | ---: |
| Cash and equivalents | $bn | [5.5](/filings/0000950170-25-028420.md) | [6.9](/filings/0000950170-25-062287.md) | [5.0](/filings/0000950170-25-100572.md) | [7.3](/filings/0001193125-25-257610.md) | [8.4](/filings/0001193125-26-076496.md) | [10.6](/filings/0001193125-26-194310.md) | [11.0](/filings/0001193125-26-325054.md) | [8.8](/filings/0001193125-26-437096.md) | [7.8](/filings/0001193125-26-076496.md) | [6.3](/filings/0001193125-26-194310.md) | [5.6](/filings/0001193125-26-325054.md) | [4.6](/filings/0001193125-26-437096.md) |
| Total assets | $bn | [44.0](/filings/0000950170-25-028420.md) | [45.3](/filings/0000950170-24-053990.md) | [44.5](/filings/0000950170-24-088982.md) | [47.5](/filings/0000950170-24-119267.md) | [50.4](/filings/0001193125-26-076496.md) | [69.3](/filings/0000950170-25-062287.md) | [71.8](/filings/0000950170-25-100572.md) | [71.9](/filings/0001193125-25-257610.md) | [73.1](/filings/0001193125-26-437096.md) | [72.7](/filings/0001193125-26-194310.md) | [72.3](/filings/0001193125-26-325054.md) | [72.7](/filings/0001193125-26-437096.md) |
| Total liabilities | $bn | [40.9](/filings/0000950170-25-028420.md) | [42.2](/filings/0000950170-24-053990.md) | [41.2](/filings/0000950170-24-088982.md) | [44.0](/filings/0000950170-24-119267.md) | [46.9](/filings/0001193125-26-076496.md) | [62.6](/filings/0000950170-25-062287.md) | [64.5](/filings/0000950170-25-100572.md) | [64.4](/filings/0001193125-25-257610.md) | [65.4](/filings/0001193125-26-437096.md) | [64.8](/filings/0001193125-26-194310.md) | [64.2](/filings/0001193125-26-325054.md) | [64.9](/filings/0001193125-26-437096.md) |
| Long-term debt | $bn | [0.4](/filings/0000950170-25-028420.md) | [0.4](/filings/0000950170-24-053990.md) | [0.4](/filings/0000950170-24-088982.md) | [0.4](/filings/0000950170-24-119267.md) | [0.4](/filings/0001193125-26-076496.md) | [0.7](/filings/0000950170-25-062287.md) | [0.7](/filings/0000950170-25-100572.md) | [0.5](/filings/0001193125-25-257610.md) | [0.5](/filings/0001193125-26-437096.md) | [0.5](/filings/0001193125-26-194310.md) | [0.5](/filings/0001193125-26-325054.md) | [0.3](/filings/0001193125-26-437096.md) |
| Short-term borrowings | $bn | [1.8](/filings/0000950170-25-028420.md) | [1.8](/filings/0000950170-24-053990.md) | [1.3](/filings/0000950170-24-088982.md) | [1.1](/filings/0000950170-24-119267.md) | not reported | not reported | not reported | not reported | not reported | not reported | not reported | not reported |
| Shareholders' equity | $bn | [3.1](/filings/0001193125-26-076496.md) | [3.2](/filings/0000950170-25-100572.md) | [3.2](/filings/0001193125-25-257610.md) | [3.5](/filings/0001193125-25-257610.md) | [3.5](/filings/0001193125-26-437096.md) | [6.7](/filings/0001193125-26-325054.md) | [7.3](/filings/0001193125-26-437096.md) | [7.4](/filings/0001193125-26-437096.md) | [7.7](/filings/0001193125-26-437096.md) | [7.8](/filings/0001193125-26-325054.md) | [8.0](/filings/0001193125-26-437096.md) | [7.9](/filings/0001193125-26-437096.md) |

- Cash and equivalents: us-gaap:CashAndCashEquivalentsAtCarryingValue
- Total assets: us-gaap:Assets
- Total liabilities: us-gaap:Liabilities
- Long-term debt: us-gaap:LongTermDebt
- Short-term borrowings: us-gaap:ShortTermBorrowings
- Shareholders' equity: us-gaap:StockholdersEquity

## Cash flow

| Line item | Unit | Q4 FY2023 (2023-12-31) | Q1 FY2024 (2024-03-31) | Q2 FY2024 (2024-06-30) | Q3 FY2024 (2024-09-30) | Q4 FY2024 (2024-12-31) | Q1 FY2025 (2025-03-31) | Q2 FY2025 (2025-06-30) | Q3 FY2025 (2025-09-30) | Q4 FY2025 (2025-12-31) | Q1 FY2026 (2026-03-31) | Q2 FY2026 (2026-06-30) | Q3 FY2026 (2026-09-30) |
| --- | --- | ---: | ---: | ---: | ---: | ---: | ---: | ---: | ---: | ---: | ---: | ---: | ---: |
| Operating cash flow | $m | [85.0 d](/filings/0001193125-26-076496.md) | [56.1](/filings/0000950170-25-062287.md) | [112 d](/filings/0000950170-25-100572.md) | [124 d](/filings/0001193125-25-257610.md) | [(66.9) d](/filings/0001193125-26-076496.md) | [363](/filings/0001193125-26-194310.md) | [285 d](/filings/0001193125-26-325054.md) | [272 d](/filings/0001193125-26-437096.md) | [106 d](/filings/0001193125-26-076496.md) | [361](/filings/0001193125-26-194310.md) | [349 d](/filings/0001193125-26-325054.md) | [370 d](/filings/0001193125-26-437096.md) |
| Capital expenditure | $m | [(0.0) d](/filings/0001193125-26-076496.md) | [2.4](/filings/0000950170-25-062287.md) | [3.2 d](/filings/0000950170-25-100572.md) | [4.3 d](/filings/0001193125-25-257610.md) | [10.2 d](/filings/0001193125-26-076496.md) | [8.8](/filings/0001193125-26-194310.md) | [14.6 d](/filings/0001193125-26-325054.md) | [14.4 d](/filings/0001193125-26-437096.md) | [10.8 d](/filings/0001193125-26-076496.md) | [4.5](/filings/0001193125-26-194310.md) | [18.5 d](/filings/0001193125-26-325054.md) | [11.6 d](/filings/0001193125-26-437096.md) |
| Dividends paid | $m | [18.9 d](/filings/0001193125-26-076496.md) | [19.0](/filings/0000950170-25-062287.md) | [19.5 d](/filings/0000950170-25-100572.md) | [19.1 d](/filings/0001193125-25-257610.md) | [19.5 d](/filings/0001193125-26-076496.md) | [30.1](/filings/0001193125-26-194310.md) | [32.4 d](/filings/0001193125-26-325054.md) | [32.5 d](/filings/0001193125-26-437096.md) | [40.6 d](/filings/0001193125-26-076496.md) | [39.6](/filings/0001193125-26-194310.md) | [38.5 d](/filings/0001193125-26-325054.md) | [43.8 d](/filings/0001193125-26-437096.md) |
| Share repurchases | $m | [0.3 d](/filings/0001193125-26-076496.md) | [7.5](/filings/0000950170-25-062287.md) | [0.0 d](/filings/0000950170-25-100572.md) | [0.2 d](/filings/0001193125-25-257610.md) | [0.0 d](/filings/0001193125-26-076496.md) | [15.4](/filings/0001193125-26-194310.md) | [0.3 d](/filings/0001193125-26-325054.md) | [1.8 d](/filings/0001193125-26-437096.md) | [0.1 d](/filings/0001193125-26-076496.md) | [32.8](/filings/0001193125-26-194310.md) | [5.1 d](/filings/0001193125-26-325054.md) | [0.0 d](/filings/0001193125-26-437096.md) |

- Operating cash flow: us-gaap:NetCashProvidedByUsedInOperatingActivities
- Capital expenditure: us-gaap:PaymentsToAcquirePropertyPlantAndEquipment
- Dividends paid: us-gaap:PaymentsOfDividends
- Share repurchases: us-gaap:PaymentsForRepurchaseOfCommonStock

## Shares

| Line item | Unit | Q1 FY2023 (2023-03-31) | Q2 FY2023 (2023-06-30) | Q3 FY2023 (2023-09-30) | Q1 FY2024 (2024-03-31) | Q2 FY2024 (2024-06-30) | Q3 FY2024 (2024-09-30) | Q1 FY2025 (2025-03-31) | Q2 FY2025 (2025-06-30) | Q3 FY2025 (2025-09-30) | Q1 FY2026 (2026-03-31) | Q2 FY2026 (2026-06-30) | Q3 FY2026 (2026-09-30) |
| --- | --- | ---: | ---: | ---: | ---: | ---: | ---: | ---: | ---: | ---: | ---: | ---: | ---: |
| Diluted shares (weighted) | millions of shares | [48.7](/filings/0000950170-24-053990.md) | [48.7](/filings/0000950170-24-088982.md) | [48.8](/filings/0000950170-24-119267.md) | [48.9](/filings/0000950170-25-062287.md) | [49.0](/filings/0000950170-25-100572.md) | [49.1](/filings/0001193125-25-257610.md) | [65.5](/filings/0001193125-26-194310.md) | [76.2](/filings/0001193125-26-325054.md) | [76.4](/filings/0001193125-26-437096.md) | [76.4](/filings/0001193125-26-194310.md) | [76.4](/filings/0001193125-26-325054.md) | [76.5](/filings/0001193125-26-437096.md) |

- Diluted shares (weighted): us-gaap:WeightedAverageNumberOfDilutedSharesOutstanding

Shares outstanding: 75,952,650 at 2026-10-26, from the cover of the [10-Q filed 2026-10-29](/filings/0001193125-26-437096.md) (dei:EntityCommonStockSharesOutstanding).

Source: SEC EDGAR, XBRL company facts. Last ingested by Listed: Oct 29, 2026, 16:45 ET. No prices; not investment advice.