Balance Sheet UMB Financial Corporation

Equities

UMBF

US9027881088

Banks

Market Closed - Nasdaq Other stock markets 21:00:00 13/09/2024 BST			5-day change	1st Jan Change
105.12 ^USD	+3.15%		+5.30%	+25.82%

09-04	Umb Financial Insider Sold Shares Worth $2,503,212, According to a Recent SEC Filing	MT
08-27	Umb Financial Insider Sold Shares Worth $735,162, According to a Recent SEC Filing	MT

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Published financial data: UMB FINANCIAL CORPORATION

Annual

Quarterly

Halfyear

YTD

LTM

Fiscal Period: December	2019	2020	2021	2022	2023
Interest Income On Loans	638M	586M	619M	810M	1.4B
Interest Income On Investments	225M	223M	242M	328M	439M
Interest Income, Total	863M	808M	862M	1.14B	1.84B
Interest On Deposits	154M	58.21M	26.41M	168M	704M
Total Interest On Borrowings	37.8M	19.05M	19.59M	56.17M	214M
Interest Expense, Total	192M	77.26M	46M	224M	919M
Net Interest Income	671M	731M	816M	914M	920M
Service Charges On Deposits	82.75M	83.88M	86.06M	85.17M	84.95M
Trust Income	177M	195M	224M	237M	257M
Income From Trading Activities	23.47M	32.94M	30.94M	23.2M	19.63M
Gain (Loss) on Sale of Assets	374K	797K	2.67M	3.06M	4.34M
Gain (Loss) on Sale of Invest. & Securities - (Rev)	3.22M	121M	5.06M	58.44M	-3.14M
Total Other Non Interest Income	140M	127M	118M	147M	179M
Non Interest Income, Total	427M	560M	467M	554M	542M
Revenues Before Provison For Loan Losses	1.1B	1.29B	1.28B	1.47B	1.46B
Provision For Loan Losses	32.85M	130M	20M	37.9M	41.23M
Total Revenues	1.06B	1.16B	1.26B	1.43B	1.42B
Salaries And Other Employee Benefits	447M	480M	483M	503M	535M
Amort. of Goodwill & Intang. Assets	5.51M	6.52M	4.76M	5.04M	8.59M
Occupancy Expense	35.47M	34.68M	35.54M	36.95M	48.5M
Federal Deposit Insurance	11.49M	10.28M	11.89M	15.38M	77.01M
Selling General & Admin Expenses, Total	235M	228M	245M	268M	263M
Total Other Non Interest Expense	44.9M	62.36M	53.31M	69.56M	67.23M
Non Interest Expense, Total	779M	822M	834M	898M	999M
EBT, Excl. Unusual Items	286M	339M	429M	532M	422M
Total Merger & Related Restructuring Charges	-	-	-	-	-
Other Unusual Items	-	-	-	-	-
EBT, Incl. Unusual Items	286M	339M	429M	532M	422M
Income Tax Expense	42.36M	52.39M	76.04M	100M	71.58M
Earnings From Continuing Operations	244M	287M	353M	432M	350M
Earnings Of Discontinued Operations	-	-	-	-	-
Net Income to Company	244M	287M	353M	432M	350M
Net Income - (IS)	244M	287M	353M	432M	350M
Net Income to Common Incl Extra Items	244M	287M	353M	432M	350M
Net Income to Common Excl. Extra Items	244M	287M	353M	432M	350M
Per Share Items
Net EPS - Basic	4.99	5.95	7.31	8.93	7.22
Basic EPS - Continuing Operations	4.99	5.95	7.31	8.93	7.22
Basic Weighted Average Shares Outstanding	48.78M	48.14M	48.27M	48.34M	48.5M
Net EPS - Diluted	4.96	5.93	7.24	8.86	7.18
Diluted EPS - Continuing Operations	4.96	5.93	7.24	8.86	7.18
Diluted Weighted Average Shares Outstanding	49.09M	48.34M	48.74M	48.75M	48.76M
Normalized Basic EPS	3.66	4.4	5.56	6.88	5.43
Normalized Diluted EPS	3.64	4.38	5.5	6.82	5.4
Dividend Per Share	1.21	1.25	1.38	1.49	1.53
Payout Ratio	24.4	21.04	18.91	16.69	21.21
Supplemental Items
Effective Tax Rate - (Ratio)	14.81	15.46	17.72	18.86	16.98
Current Domestic Taxes	42.52M	57.22M	88.77M	107M	92.02M
Total Current Taxes	42.52M	57.22M	88.77M	107M	92.02M
Deferred Domestic Taxes	-153K	-4.84M	-12.72M	-6.31M	-20.44M
Total Deferred Taxes	-153K	-4.84M	-12.72M	-6.31M	-20.44M
Normalized Net Income	179M	212M	268M	333M	264M
Supplemental Operating Expense Items
Stock-Based Comp., SG&A Exp. (Total)	14.85M	15.12M	21.21M	21.49M	18.69M
Total Stock-Based Compensation	14.85M	15.12M	21.21M	21.49M	18.69M

Fiscal Period: December	2019	2020	2021	2022	2023
Assets
Cash And Equivalents	473M	431M	414M	508M	452M
Investment Securities, Total	6.17B	6.8B	6.68B	7.3B	7.12B
Trading Asset Securities, Total	101M	139M	89.56M	66.1M	180M
Mortgage Backed Securities	4.07B	5.47B	8.36B	6.95B	6.36B
Total investments	10.35B	12.41B	15.13B	14.31B	13.66B
Gross Loans	13.43B	16.1B	17.17B	21.03B	23.17B
Allowance For Loan Losses	-102M	-216M	-195M	-192M	-220M
Net Loans	13.33B	15.89B	16.98B	20.84B	22.95B
Gross Property Plant And Equipment	632M	634M	633M	645M	656M
Accumulated Depreciation	-331M	-341M	-358M	-372M	-395M
Net Property Plant And Equipment	301M	292M	275M	273M	261M
Goodwill	181M	181M	175M	207M	207M
Other Intangibles, Total	93.3M	85.23M	67.17M	124M	101M
Investment in FHLB	10M	10M	-	-	-
Loans Held For Sale	7.8M	6.71M	1.28M	1.98M	4.42M
Accrued Interest Receivable	125M	140M	131M	189M	220M
Other Receivables	58M	62.1M	73.6M	76.1M	86.6M
Restricted Cash	1.2B	3.07B	8.8B	1.06B	5.08B
Deferred Tax Assets Long-Term (Collected)	-	-	-	248M	222M
Other Real Estate Owned And Foreclosed	2.94M	4.74M	-	68K	1.74M
Other Long-Term Assets, Total	436M	554M	651M	675M	759M
Total Assets	26.56B	33.13B	42.69B	38.51B	44.01B
Liabilities
Accrued Expenses, Total	202M	219M	224M	237M	385M
Interest Bearing Deposits	14.04B	16.77B	18.81B	18.84B	22.88B
Institutional Deposits	615M	398M	448M	538M	781M
Non-Interest Bearing Deposits	6.94B	9.88B	16.34B	13.26B	12.13B
Total Deposits	21.6B	27.05B	35.6B	32.64B	35.79B
Short-Term Borrowings	1.9B	2.32B	3.25B	2.35B	4.02B
Current Portion of Long-Term Debt	5K	-	-	-	-
Current Portion of Leases	12.38M	12.72M	12.4M	12.28M	11.99M
Long-Term Debt	27.11M	198M	198M	307M	308M
Federal Home Loan Bank Debt - Long-Term	-	-	-	-	-
Long-Term Leases	60.61M	58.96M	52.22M	51.19M	46.94M
Trust Preferred Securities (BS)	70.37M	71.71M	73.21M	74.55M	75.61M
Other Current Liabilities - (Bank / Utility Template)	14.6M	2.18M	3.2M	3.5M	8.02M
Deferred Tax Liability Non-Current	30.18M	95.56M	22.1M	-	-
Other Non Current Liabilities	31.89M	76.89M	110M	173M	259M
Total Liabilities	23.95B	30.11B	39.55B	35.85B	40.91B
Common Stock, Total	55.06M	55.06M	55.06M	55.06M	55.06M
Additional Paid In Capital	1.07B	1.09B	1.11B	1.13B	1.13B
Retained Earnings	1.67B	1.89B	2.18B	2.54B	2.81B
Treasury Stock	-278M	-338M	-323M	-347M	-343M
Comprehensive Income and Other	83.18M	318M	126M	-703M	-557M
Total Common Equity	2.61B	3.02B	3.15B	2.67B	3.1B
Total Equity	2.61B	3.02B	3.15B	2.67B	3.1B
Total Liabilities And Equity	26.56B	33.13B	42.69B	38.51B	44.01B
Supplemental Items
ECS Total Shares Outstanding on Filing Date	49.09M	48.18M	48.46M	48.5M	48.74M
ECS Total Common Shares Outstanding	49.1M	48.01M	48.43M	48.32M	48.55M
Book Value / Share	53.09	62.84	64.95	55.2	63.85
Tangible Book Value	2.33B	2.75B	2.9B	2.34B	2.79B
Tangible Book Value Per Share	47.5	57.3	59.96	48.33	57.49
Average Assets	23.78B	28.57B	35.33B	37.58B	39.73B
Average Loans	12.76B	15.13B	16.63B	18.82B	22.34B
Total Debt	2.07B	2.67B	3.59B	2.79B	4.47B
Deposits at Interest - Cash	1.2B	3.07B	8.8B	1.06B	5.08B
Federal Funds Sold	1.58B	1.65B	1.22B	959M	245M
Net Debt	-108M	403M	1.83B	1.15B	3.52B
Equity Method Investments, Total	7M	-	-	-	-
Full Time Employees	3.67K	3.59K	3.53K	3.77K	3.6K
Number Of Offices	93	91	91	89	88

Fiscal Period: December	2019	2020	2021	2022	2023
Net Income	244M	287M	353M	432M	350M
Depreciation, Depletion & Amortization	50.75M	56.29M	50.99M	48.98M	50.14M
Amortization of Goodwill and Intangible Assets - (CF)	5.51M	6.52M	4.76M	5.04M	8.59M
Total Depreciation, Depletion & Amortization	56.26M	62.8M	55.75M	54.02M	58.72M
Amortization of Deferred Charges, Total	-	131K	450K	556K	876K
Gain (Loss) on Sale of Loans & Receivables - (CF)	-1.37M	-3.96M	-5.13M	-1.2M	-1.69M
(Gain) Loss On Sale of Asset - (CF)	-374K	-797K	-2.67M	-3.06M	-4.34M
(Gain) Loss on Sale of Investments - (CF)	31.96M	-76.08M	48.94M	-11.92M	46.24M
Provision for Credit Losses	32.85M	130M	20M	37.9M	41.23M
Stock-Based Compensation (CF)	14.85M	15.12M	21.21M	21.49M	18.69M
Tax Benefit from Stock Options	766K	345K	2.6M	-	-
Net (Increase) Decrease in Loans Originated / Sold - Operating	-3.24M	5.06M	10.56M	494K	-749K
Changes in Accrued Interest Receivable	-14.34M	-15.38M	4.59M	-58.22M	-31.08M
Change in Other Net Operating Assets (Collected)	-35.46M	-36.4M	47.82M	290M	15.24M
Other Operating Activities	15.93M	5.76M	-23.05M	7.59M	-20.55M
Net Cash From Discontinued Operations	-	-	-	-	-
Cash from Operations	341M	374M	534M	770M	473M
Capital Expenditure	-72.31M	-60.22M	-33.69M	-51.72M	-26.91M
Sale of Property, Plant, and Equipment	5.54M	8.57M	3.9M	6.73M	3.81M
Cash Acquisitions	-18.5M	-	-	-	-793K
Divestitures	-	24K	18.43M	549M	-
Investment in Marketable and Equity Securities, Total	-681M	-1.58B	-3.44B	-655M	200M
Net (Increase) Decrease in Loans Originated / Sold - Investing	-1.28B	-2.69B	-1.12B	-3.95B	-2.16B
Other Investing Activities, Total	-949M	-171M	334M	258M	710M
Cash from Investing	-3B	-4.49B	-4.24B	-3.85B	-1.27B
Short Term Debt Issued, Total	378M	434M	923M	-	32.86B
Long-Term Debt Issued, Total	18.6M	200M	-	110M	-
Total Debt Issued	396M	634M	923M	110M	32.86B
Short Term Debt Repaid, Total	-	-15M	-	-1.02B	-31.16B
Long-Term Debt Repaid, Total	-4.83M	-	-	-	-
Total Debt Repaid	-4.83M	-15M	-	-1.02B	-31.16B
Issuance of Common Stock	4.64M	5.19M	19.05M	2.14M	2.46M
Repurchase of Common Stock	-4.5M	-63.77M	-5.51M	-32M	-8.37M
Common Dividends Paid	-59.44M	-60.28M	-66.75M	-72.03M	-74.24M
Common & Preferred Stock Dividends Paid	-59.44M	-60.28M	-66.75M	-72.03M	-74.24M
Net Increase (Decrease) in Deposit Accounts - (CF)	2.32B	5.45B	8.55B	-3.57B	3.15B
Other Financing Activities, Total	-	-2.25M	-	-2.13M	-
Cash from Financing	2.65B	5.95B	9.42B	-4.58B	4.77B
Net Change in Cash	-4.95M	1.83B	5.72B	-7.66B	3.97B
Supplemental Items
Cash Interest Paid	190M	84.1M	47.11M	196M	844M
Cash Income Tax Paid (Refund)	2.24M	34.07M	92.58M	102M	79.33M
Net Debt Issued / Repaid	391M	619M	923M	-906M	1.7B

Fiscal Period: December	2019	2020	2021	2022	2023
Profitability
Return on Assets	0.98	0.96	0.93	1.06	0.85
Return On Equity %	10.08	10.19	11.46	14.85	12.14
Return on Common Equity	10.08	10.19	11.46	14.85	12.14
Shareholders Value Added	-40.99M	-44.38M	-11.97M	87.97M	12.56M
Margin Analysis
SG&A Margin	67.33	63.99	60.48	56.51	59.57
Net Interest Income / Total Revenues %	63.01	62.99	64.59	63.9	64.76
EBT Excl. Non-Recurring Items Margin %	26.86	29.19	33.98	37.2	29.67
Income From Continuing Operations Margin %	22.88	24.68	27.96	30.18	24.64
Net Income Margin %	22.88	24.68	27.96	30.18	24.64
Net Avail. For Common Margin %	22.88	24.68	27.96	30.18	24.64
Normalized Net Income Margin	16.78	18.24	21.24	23.25	18.55
Asset quality
Nonperforming Loans / Total Loans %	0.42	0.55	0.54	0.09	0.06
Nonperforming Loans / Total Assets %	0.21	0.27	0.22	0.05	0.03
Nonperforming Assets / Total Assets %	0.22	0.28	0.22	0.05	0.03
NPAs / Loans and OREO	0.44	0.57	0.54	0.09	0.06
NPAs / Equity	2.27	3.07	2.93	0.72	0.48
Allowance for Credit Losses / Net Charge-offs %	293.36	1.07K	434.06	481.18	2.1K
Allowance for Credit Losses / Nonperforming Loans %	180.64	245.92	211.02	995.57	1.66K
Allowance for Credit Losses / Total Loans %	0.76	1.34	1.13	0.91	0.95
Net Charge-offs / Total Average Loans %	0.27	0.13	0.27	0.21	0.05
Provision for Loan Losses / Net Charge-offs %	94.68	648.45	44.57	95.06	393.61
Earning Assets / IBL	149.24	154.11	163.47	168.85	146.83
Interest Income / Average Assets	3.63	2.83	2.44	3.03	4.63
Interest Expense / Average Assets	0.81	0.27	0.13	0.6	2.31
Net Interest Income / Average Assets