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Companies / Financials / UMB Financial Corporation
UMBF

UMB Financial Corporation

FinancialsCommercial Banks
Ticker UMBFKANSAS CITY, MOFiscal year ends DecemberBook value per share $105.08Diluted shares 76.4M

UMB Financial Corporation (Nasdaq: UMBF) is a financial holding company that provides banking services and asset servicing to customers in the United States and internationally. Through UMB Bank, its national bank subsidiary, it serves commercial, retail, government and correspondent-bank customers with banking… From the company’s description.

In fiscal 2025, UMB Financial Corporation reported revenue of $2.65B, up 62.8% from fiscal 2024, and net income of $702.40M. Its pre-tax margin was 33.0%. Over the twelve months to Jun 30, 2026, revenue was $2.92B.

Fiscal year 2025 · ends 12-31Changes are against fiscal 2024The amber dot is the latest twelve months, to 2026-06-30
Sales & profitability
$2.65BFY2025
+62.8% year over year
Last 12 mo $2.92B
32.99%FY2025
−0.2 percentage points
Last 12 mo 40.75%
$702.40MFY2025
+59.2% year over year
Last 12 mo $942.68M
9.13%FY2025
−3.6 percentage points
Last 12 mo 11.74%
Cash & financing
$1.03BFY2025
+355.7% year over year
Last 12 mo $1.09B
$978.11MFY2025
+386.4% year over year
Last 12 mo $1.04B
7.95FY2025
Was 12.56× a year earlier
Last 12 mo 0.06
73.7MFY2025
+50.2% year over year
Last 12 mo 76.4M

Margins and return on equity change in ; everything else in percent. Fewer shares and less debt are shown plainly, not as bad news — it depends what you make of buybacks. Dotted labels explain each measure. is shown separately from the annual figures.

What UMB Financial Corporation does

In the company’s own words

UMB Financial Corporation (Nasdaq: UMBF) is a financial holding company that provides banking services and asset servicing to customers in the United States and internationally. Through UMB Bank, its national bank subsidiary, it serves commercial, retail, government and correspondent-bank customers with banking products, asset management, trust, bankcard and cash-management services. UMB Fund Services provides fund accounting, transfer agency and other services to mutual fund and alternative-investment groups. The company reports three business segments: Commercial Banking, Institutional Banking and Personal Banking. Its acquisition of Heartland Financial USA in January 2025 expanded the company, with Heartland’s bank subsidiary merging into UMB Bank. At December 31, 2025, the company and its subsidiaries employed 5,222 associates. Its website is www.umb.com.

Company details
Sector
Financials
Industry (SIC)
Commercial Banks
Headquarters
KANSAS CITY, MO
Fiscal year end
December
CIK
101382
SIC
6021

Financial performance, year by year

Fiscal 2013–2025 · USD
$-291.64M$583.28M$1.46B$2.33B$3.21B2013201420152016201720182019202020212022202320242025Last 12 moLast 12 monthsLast 12 months

The full income statement, balance sheet and cash flow for each of these years — every figure traceable to its filing — is on the Financials tab with a free account.

Ownership

Who owns UMB Financial Corporation — and what changed

Funds as of 2026Q2 · superinvestors as of 2026-06-30

497
funds hold it
0 of 35
superinvestors hold it
$5.07B
held by funds, at market
48.8%
of shares held by funds

Largest fund holders · UMB Financial Corporation’s weight in each

iShares Core S&P Mid-Cap ETF
IJH · iShares Trust
0.28%of fund net assets
VANGUARD TOTAL STOCK MARKET INDEX FUND
VTI · VANGUARD INDEX FUNDS
0.01%of fund net assets
iShares Russell 2000 ETF
IWM · iShares Trust
0.33%of fund net assets
VANGUARD SMALL-CAP INDEX FUND
VB · VANGUARD INDEX FUNDS
0.12%of fund net assets
—of fund net assets

Fund ownership is a floor, not a census — pensions, insurers and people holding shares directly are not visible here.

Fund ownership counts N-PORT filers only, so it is a floor rather than a census — pensions, insurers and direct holders are not visible here, and the remainder is not “held by individuals”.

Every fund and institutional holder, quarter by quarter, is on the Ownership tab with a free account.

Connected research

Put this business in context.

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  • “How do UMB Financial Corporation and its peers compare on margins and cash generation over ten years?”
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