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10-K

Annual Report

UMB FINANCIAL CORP UMBF UMBFO

0001193125-26-076496

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Filed
Feb 26, 2026 12:00 AM ET
Period of report
Restated figures. One or more values in this filing restate previously reported amounts.

On SEC.gov

Financials in this filing

Metric Period Value
Shares Outstanding FY 2025 · Feb 20, 2026 76.14M sh
Stock Issued FY 2025 · Dec 31, 2025 23.61M sh
Shares Diluted FY 2025 · Dec 31, 2025 73.67M sh
Shares Diluted FY 2025 · Dec 31, 2024 49.06M sh
Shares Diluted FY 2025 · Dec 31, 2023 48.76M sh
Stock Repurchased FY 2025 · Dec 31, 2025 $17.63M
Stock Repurchased FY 2025 · Dec 31, 2024 $7.74M
Stock Repurchased FY 2025 · Dec 31, 2023 $8.37M
Dividends Paid FY 2025 · Dec 31, 2025 $135.62M
Dividends Paid FY 2025 · Dec 31, 2024 $77.13M
Dividends Paid FY 2025 · Dec 31, 2023 $74.25M
Capex FY 2025 · Dec 31, 2025 $48.58M
Capex restated FY 2025 · Dec 31, 2024 $20.01M
Capex restated FY 2025 · Dec 31, 2023 $23.1M
Operating Cash Flow FY 2025 · Dec 31, 2025 $1.03B
Operating Cash Flow FY 2025 · Dec 31, 2024 $225.29M
Operating Cash Flow FY 2025 · Dec 31, 2023 $472.6M
Long Term Debt FY 2025 · Dec 31, 2025 $474.23M
Long Term Debt FY 2025 · Dec 31, 2024 $385.29M
Cash And Equivalents FY 2025 · Dec 31, 2025 $7.77B
Cash And Equivalents FY 2025 · Dec 31, 2024 $8.45B
Stockholders Equity FY 2025 · Dec 31, 2025 $7.69B
Stockholders Equity FY 2025 · Dec 31, 2024 $3.47B
Stockholders Equity FY 2025 · Dec 31, 2023 $3.1B
Stockholders Equity FY 2025 · Dec 31, 2022 $2.67B
Total Liabilities FY 2025 · Dec 31, 2025 $65.4B
Total Liabilities FY 2025 · Dec 31, 2024 $46.94B
Total Assets FY 2025 · Dec 31, 2025 $73.09B
Total Assets FY 2025 · Dec 31, 2024 $50.41B
Eps Diluted FY 2025 · Dec 31, 2025 $9.29
Eps Diluted FY 2025 · Dec 31, 2024 $8.99
Eps Diluted FY 2025 · Dec 31, 2023 $7.18
Eps Basic FY 2025 · Dec 31, 2025 $9.35
Eps Basic FY 2025 · Dec 31, 2024 $9.05
Eps Basic FY 2025 · Dec 31, 2023 $7.22
Net Income FY 2025 · Dec 31, 2025 $702.4M
Net Income FY 2025 · Dec 31, 2024 $441.24M
Net Income FY 2025 · Dec 31, 2023 $350.02M