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Umb Financial (UMBF) Annual Income Statement

Annual · GAAP · USD millions
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Reviewing income statement figures over time helps illustrate how Umb Financial generates earnings and manages operating expenses.
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Annual Report, GAAP in USD millions
ITEM 		(Dec 31 2025)
2025 		(Dec 31 2024) (Dec 31 2023) (Dec 31 2022) (Dec 31 2021)
Revenues
Interest and Fee Income, Loans and Leases2,415.28
Interest and Dividend Income, Securities, Operating634.84
Interest Income, Federal Funds Sold and Securities Purchased under Agreements to Resell38.15
Interest Income, Deposits with Financial Institutions264.92
Other Income1.10
Total Interest Income3,354.28
Interest Expense, Deposits1,336.55
Interest Expense, Federal Funds Purchased and Securities Sold under Agreements to Repurchase108.70
Net Interest (-)Expense / Income-1,492.08
Net Interest Income1,862.21
Provision for loan losses154.50
Total Net Interest Income1,707.71
Service Fees, Investment Banking, Brokerage and Other Transactions25.31
Noninterest Income, Other Operating Income82.75
Loss / Gain on Investment30.97
Other Non-Interest Income146.51
Total Non-interest Income790.05
Total Revenues2,497.76
Costs & Expenses
Salaries & employee benefits, SGA45.68
Unusual Expense /-Income92.30
Depreciation & Amortization93.52
Occupancy, Net73.72
Noninterest Expense Transfer Agent and Custodian Fees172.85
Supplies Expense28.50
Other Noninterest Expense89.17
Other loss /-income948.80
Total Operating Expenses1,622.80
Total Costs & Expenses3,068.05
Income & Taxes
Income /-loss before income taxes874.96
Income taxes expenses/-benefit172.56
Income after income taxes702.40
Net income/-loss of other equity0.00
Income /-loss after income taxes702.40
Net Income/-loss702.40
Preferred dividends17.78
Income/-loss to shareholder684.62
Earnings Per Share
Basic EPS (excl. extra items)9.35
Basic Net EPS9.35
Basic shares outstanding (Mill. of Units)73.26
Diluted Net EPS9.29
Diluted average shares (Mill. of Units)73.67
Dividend per share1.63
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About Umb Financial Corp Annual Income Statement

What this statement shows

This page presents issuer-reported income statement data, detailing revenue, operating costs, expenses, and earnings as disclosed in SEC 10-K filings and standardized by CSIMarket. The income statement reflects operating performance over a reporting period rather than financial position at a single date.

Revenue and expense treatment

Revenue and expense items are aligned to support period-to-period comparability. Operating and non-operating items, interest, and income taxes are classified based on issuer disclosures and XBRL tagging.

Source & verification

  • Source: SEC 10-K filings
  • Filed with the SEC: February 26, 2026
  • Original filing: umbf-20251231.htm

Income statement figures represent operating results for each reporting period and may be revised in subsequent filings.