UMB Financial Corporation (UMBF) - Quarterly Income Statement

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UMBF
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91.51 (USD) • At close April 17, 2025

Overview | Financials

Numbers are in millions (except for per share data and ratios) USD.

	2024 Q4	2024 Q3	2024 Q2	2024 Q1	2023 Q4	2023 Q3	2023 Q2	2023 Q1	2022 Q4	2022 Q3	2022 Q2	2022 Q1	2021 Q4	2021 Q3	2021 Q2	2021 Q1	2020 Q4	2020 Q3	2020 Q2	2020 Q1	2019 Q4	2019 Q3	2019 Q2	2019 Q1	2018 Q4	2018 Q3	2018 Q2	2018 Q1	2017 Q4	2017 Q3	2017 Q2	2017 Q1	2016 Q4	2016 Q3	2016 Q2	2016 Q1	2015 Q4	2015 Q3	2015 Q2	2015 Q1	2014 Q4	2014 Q3	2014 Q2	2014 Q1	2013 Q4	2013 Q3	2013 Q2	2013 Q1	2012 Q4	2012 Q3	2012 Q2	2012 Q1	2011 Q4	2011 Q3	2011 Q2	2011 Q1	2010 Q4	2010 Q3	2010 Q2	2010 Q1	2009 Q4	2009 Q3	2009 Q2	2009 Q1	2008 Q4	2008 Q3	2008 Q2	2008 Q1	2007 Q4	2007 Q3	2007 Q2	2007 Q1	2006 Q4	2006 Q3	2006 Q2	2006 Q1	2005 Q4	2005 Q3	2005 Q2	2005 Q1	2004 Q4	2004 Q3	2004 Q2	2004 Q1	2003 Q4	2003 Q3	2003 Q2	2003 Q1	2002 Q4	2002 Q3	2002 Q2	2002 Q1	2001 Q4	2001 Q3	2001 Q2	2001 Q1	2000 Q4	2000 Q3	2000 Q2	2000 Q1	1999 Q4	1999 Q3	1999 Q2	1999 Q1	1998 Q4	1998 Q3	1998 Q2	1998 Q1	1997 Q4	1997 Q3	1997 Q2	1997 Q1	1996 Q4	1996 Q3	1996 Q2	1996 Q1	1995 Q4	1995 Q3	1995 Q2	1995 Q1	1994 Q4	1994 Q3	1994 Q2	1994 Q1	1993 Q4	1993 Q3	1993 Q2	1993 Q1	1992 Q4	1992 Q3	1992 Q2	1992 Q1	1991 Q4	1991 Q3	1991 Q2	1991 Q1	1990 Q4	1990 Q3	1990 Q2	1990 Q1	1989 Q4	1989 Q3	1989 Q2	1989 Q1	1988 Q4	1988 Q3	1988 Q2	1988 Q1	1987 Q4	1987 Q3	1987 Q2	1987 Q1	1986 Q4	1986 Q3	1986 Q2	1986 Q1	1985 Q4	1985 Q3
Revenue Numbers are in millions	554.968	363.94	348.508	360.175	370.776	320.736	328.814	341.523	221.916	334.756	248.57	221.799	305.404	322.672	311.63	205.979	403.846	197.017	192.769	211.411	265.306	219.103	216.662	211.307	240.543	245.625	243.515	243.447	268.864	157.895	151.211	144.69	232.183	132.038	216.984	210.857	208.656	200.932	211.91	93.953	185.854	195.819	200.357	191.07	217.521	89.096	86.212	83.902	120.158	169.022	85.35	84.733	177.302	85.624	86.551	85.973	173.567	86.891	86.733	86.101	161.134	88.926	87.707	90.082	148.05	93.374	92.34	103.114	133.735	103.6	129.181	124.403	121.654	119.231	119.218	112.066	109.06	71.417	64.693	60.73	100.588	53.939	52.677	54.232	115.366	58.735	60.412	63.993	108.689	109.927	111.944	119.659	115.451	116.993	117.149	112.175	108.686	108.178	105.97	104.819	102.658	99.3	100.4	99.5	98	93.5	95.5	95.1	95	93.5	90.7	87.2	84.7	83.8	82.7	91.7	89.2	84.4	86.2	84.1	84	82.6	82.6	81.3	81.3	79.1	72.8	62.5	63.6	60.2	60.1	59.3	56.9	57	57	54.3	53.9	53.6	52	50.9	51.8	51.5	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0
Cost of Revenue Numbers are in millions	0	0	0	0	151.24	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	32.128	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	-105.249	-126.657	0	-94.407	-101.223	-100.225	0	-81.576	-80.035	-76.103	0	-67.488	-63.79	-54.036	0	-52.045	-52.659	-46.249	0	-31.304	0	0	0	0	0	0	0	-42.044	-44.962	-47.258	0	-46.45	-47.201	-51.827	0	-50.293	-48.353	-45.492	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0
Gross Profit Numbers are in millions	554.968	363.94	348.508	360.175	219.536	320.736	328.814	341.523	221.916	334.756	248.57	221.799	305.404	322.672	311.63	205.979	403.846	197.017	192.769	211.411	265.306	219.103	216.662	211.307	240.543	245.625	243.515	243.447	236.736	157.895	151.211	144.69	232.183	132.038	216.984	210.857	208.656	200.932	211.91	93.953	185.854	195.819	200.357	191.07	217.521	89.096	86.212	83.902	120.158	169.022	190.599	211.39	177.302	180.031	187.774	186.198	173.567	168.467	166.768	162.204	161.134	156.414	151.497	144.118	148.05	145.419	144.999	149.363	133.735	134.904	129.181	124.403	121.654	119.231	119.218	112.066	109.06	113.461	109.655	107.988	100.588	100.389	99.878	106.059	115.366	109.028	108.765	109.485	108.689	109.927	111.944	119.659	115.451	116.993	117.149	112.175	108.686	108.178	105.97	104.819	102.658	99.3	100.4	99.5	98	93.5	95.5	95.1	95	93.5	90.7	87.2	84.7	83.8	82.7	91.7	89.2	84.4	86.2	84.1	84	82.6	82.6	81.3	81.3	79.1	72.8	62.5	63.6	60.2	60.1	59.3	56.9	57	57	54.3	53.9	53.6	52	50.9	51.8	51.5	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0
Gross Profit Ratio Numbers are in millions	1	1	1	1	0.592	1	1	1	1	1	1	1	1	1	1	1	1	1	1	1	1	1	1	1	1	1	1	1	0.881	1	1	1	1	1	1	1	1	1	1	1	1	1	1	1	1	1	1	1	1	1	2.233	2.495	1	2.103	2.17	2.166	1	1.939	1.923	1.884	1	1.759	1.727	1.6	1	1.557	1.57	1.449	1	1.302	1	1	1	1	1	1	1	1.589	1.695	1.778	1	1.861	1.896	1.956	1	1.856	1.8	1.711	1	1	1	1	1	1	1	1	1	1	1	1	1	1	1	1	1	1	1	1	1	1	1	1	1	1	1	1	1	1	1	1	1	1	1	1	1	1	1	1	1	1	1	1	1	1	1	1	1	1	1	1	1	1	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0
Reseach & Development Expenses Numbers are in millions	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0
General & Administrative Expenses Numbers are in millions	161.062	146.984	142.861	143.006	134.231	133.38	143.312	142.498	135.94	136.467	128.346	130.634	139.399	131.551	126.653	133.719	135.79	129.945	137.934	117.611	130.026	117.163	121.649	122.795	110.342	110.821	112.093	114.633	115.692	107.623	111.636	111.579	116.013	107.245	105.591	115.228	111.217	113.28	107.061	105.618	98.161	97.435	97.795	96.034	96.53	91.164	91.412	90.1	77.692	86.171	85.533	87.376	59.213	86.549	85.112	98.221	46.68	81.377	85.732	84.417	35.779	74.394	75.95	71.925	125.784	57.187	55.1	55.041	54.345	51.439	49.908	51.191	50.052	48.894	47.796	47.238	41.965	47.821	48.349	52.06	45.283	47.271	48.575	48.747	49.495	48.601	48.905	49.894	49.817	51.075	51.235	51.331	49.132	49.911	50.685	48.96	47.173	46.737	45.276	44.818	42.482	42.3	41.3	40.6	36.6	50.1	39.2	38.1	36.5	36.2	35	33.8	34.7	32.8	32.1	31.8	30	30.5	31	31	30.3	30	30	29.8	28.7	28.7	26.1	22.9	22.2	22.2	21.9	21.5	20.8	20.2	20.4	19.4	19.9	19.3	18.7	17.5	17.8	17.9	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0
Selling & Marketing Expenses Numbers are in millions	8.999	6.817	6.598	6.025	6.659	6.631	7.124	5.335	8.788	6.671	5.308	4.932	6.528	4.863	4.797	2.345	3.717	3.038	3.284	4.64	8.385	5.655	7.304	4.913	6.483	6.671	6.184	5.034	6.54	5.056	5.732	4.503	6.256	5.332	6.313	4.441	6.816	5.766	6.53	4.618	7.182	6.057	6.307	4.602	7.189	5.536	5.705	4.272	6.989	7.368	5.986	4.26	5.958	4.912	5.158	4.122	5.787	4.426	4.43	3.705	4.048	4.036	4.171	3.191	-13.325	4.976	4.459	3.89	3.869	3.88	4.157	3.537	3.19	4.001	4.022	3.622	3.269	3.473	3.607	2.96	4.026	3.825	3.947	3.508	2.734	3.759	3.713	3.344	3.601	4.125	0	3.216	5.573	1.997	4.017	4.27	6.457	5.5	5.046	3.937	6.485	3.6	3.4	3.9	4.3	3.5	5	4.6	4.6	4.5	4.3	4.2	4.2	5.9	3.8	4.9	3.3	3.3	4.6	3.6	4.2	3.8	4	3.6	3.3	3.7	3.7	2.9	10.6	0	0	0	8.4	0	0	0	11.1	0	0	0	11.1	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0
SG&A Numbers are in millions	8.999	226.245	149.459	149.031	211.006	140.011	150.436	147.833	152.657	143.138	133.654	135.566	145.927	136.414	131.45	136.064	139.507	132.983	141.218	122.251	138.411	122.818	128.953	127.708	331.064	117.492	118.277	119.667	122.232	112.679	117.368	115.72	122.269	112.335	111.618	119.669	118.033	119.046	113.591	110.236	105.343	103.492	104.102	100.636	103.719	96.7	97.117	94.372	84.681	93.539	91.519	91.636	-277.243	91.461	103.589	102.343	52.467	85.803	91.752	88.122	39.828	81.438	80.121	76.843	112.459	62.163	59.559	58.931	58.214	55.319	54.065	54.728	53.242	4.001	4.022	3.622	45.234	51.294	51.956	55.02	49.309	51.096	52.522	52.255	52.23	52.36	52.618	53.238	53.418	55.2	51.235	54.547	54.705	51.908	54.705	53.23	53.63	52.237	50.322	48.755	48.967	45.85	44.7	44.5	40.9	53.1	44.2	42.7	41.1	40.7	39.3	38	38.9	38.7	35.9	36.7	33.3	33.8	35.6	34.6	34.5	33.8	34	33.4	32	32.4	29.8	25.8	32.8	22.2	21.9	21.5	29.2	20.2	20.4	19.4	31	19.3	18.7	17.5	28.9	17.9	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0
Other Expenses Numbers are in millions	0	210.139	0	0	0	0	0	193.69	-152.657	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	-116.825	0	0	0	-45.145	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	297.393	0	0	0	259.773	0	0	0	236.675	0	0	0	180.653	0	0	0	164.112	0	0	0	155.573	0	0	0	158.27	0	0	0	155.873	0	0	0	158.216	0	0	0	160.982	-132.246	-124.634	-124.654	-126.97	-110.321	-109.895	-92.998	-94.484	-89.312	-85.03	-79.287	-81.45	-78.5	-79.5	-76.1	-69.3	-89.3	-73.3	-68.3	-68.5	-68.3	-65.8	-61.3	-67.2	-61	-55.8	-59	-60.9	-61	-64.8	-59	-64.3	-64.3	-66.4	-64.8	-65.6	-63.8	-57.3	-48	-55	-41	-36.9	-29.9	-34.3	-22.1	-19.8	-13.1	-24	-10.9	-9.9	-6.7	-19.9	-8.6	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0
Operating Expenses Numbers are in millions	8.999	226.245	226.456	216.935	421.957	205.957	217.094	341.523	20.391	6.671	191.084	194.578	18.533	189.344	184.821	186.24	14.679	183.725	190.743	172.806	191.875	174.077	176.998	174.01	168.005	165.117	162.157	161.546	79.846	155.041	159.524	154.586	22.342	149.739	149.49	146.241	23.73	166.289	155.011	4.618	24.148	143.379	143.467	137.511	22.703	5.536	5.705	4.272	24.604	7.368	5.986	4.26	20.15	4.912	5.158	4.122	18.348	4.426	4.43	3.705	15.446	4.036	4.171	3.191	19.431	4.976	4.459	3.89	15.443	3.88	4.157	3.537	14.835	4.001	4.022	3.622	13.309	3.473	3.607	2.96	15.306	3.825	3.947	3.508	13.55	3.759	3.713	3.344	14.836	-77.046	-73.399	-70.107	-72.265	-58.413	-55.19	-39.827	-40.854	-37.075	-34.708	-30.532	-32.483	-32.6	-34.8	-31.6	-28.4	-35.7	-29.1	-25.6	-27.4	-27.6	-26.5	-23.3	-28.3	-22.3	-19.9	-22.3	-27.6	-27.2	-29.2	-24.4	-29.8	-30.5	-32.4	-31.4	-33.6	-31.4	-27.5	-22.2	-22.2	-18.8	-15	-8.4	-5.1	-1.9	0.6	6.3	7	8.4	8.8	10.8	9	9.3	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0
Operating Income Numbers are in millions	545.969	148.612	131.389	155.229	142.033	119.186	110.02	111.594	147.651	188.131	178.288	125.755	98.369	138.276	131.4	109.566	286.502	83.385	68.652	0	134.002	72.998	67.425	68.274	25.454	80.508	81.358	81.901	156.89	48.872	44.771	57.943	72.195	52.336	67.656	65.171	56.104	37.873	54.136	60.784	48.719	53.97	60.515	56.76	58.371	53.522	46.439	56.666	38.662	0	52.952	76.988	36.053	42.653	50.263	58.306	0	45.657	48.678	53.922	0	53.266	47.511	46.347	0	58.142	60.113	85.877	0	76.265	74.425	72.452	0	0	0	0	0	44.763	36.49	32.215	0	23.183	18.873	23	0	23.681	28.781	32.417	0	32.881	38.545	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	57	0	0	0	50.2	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	42.2	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0
Operating Income Ratio Numbers are in millions	0.984	0.408	0.377	0.431	0.383	0.372	0.335	0.327	0.665	0.562	0.717	0.567	0.322	0.429	0.422	0.532	0.709	0.423	0.356	0	0.505	0.333	0.311	0.323	0.106	0.328	0.334	0.336	0.584	0.31	0.296	0.4	0.311	0.396	0.312	0.309	0.269	0.188	0.255	0.647	0.262	0.276	0.302	0.297	0.268	0.601	0.539	0.675	0.322	0	0.62	0.909	0.203	0.498	0.581	0.678	0	0.525	0.561	0.626	0	0.599	0.542	0.514	0	0.623	0.651	0.833	0	0.736	0.576	0.582	0	0	0	0	0	0.627	0.564	0.53	0	0.43	0.358	0.424	0	0.403	0.476	0.507	0	0.299	0.344	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0.661	0	0	0	0.608	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0.819	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0
Total Other Income Expenses Net Numbers are in millions	-401.145	-12.947	-4.479	-21.355	-61.231	0	0	0	-23.806	-79.319	-4.689	0	0	-24.473	-24.078	0	-95.395	0	0	-4.254	-56.734	0	0	0	-0.968	-15.268	-15.061	-14.33	-93.07	12.971	11.49	-0.614	-18.233	1.594	-19.091	-16.373	-16.131	-6.659	-14.19	-12.632	-12.27	-5.93	-11.855	-25.092	-11.276	-5.915	-5.838	-8.545	-11.118	36.281	-11.539	-12.002	-5.972	-6.55	-13.67	-14.724	27.658	-15.525	-16.132	-17.406	29.828	-20.409	-21.194	-14.873	27.845	-27.076	-26.329	-38.74	20.717	-45.593	-45.582	-47.709	21.926	21.466	20.752	17.874	19.332	-22.692	-17.486	-16.302	13.757	-9.775	-8.24	-9.063	24.577	-9.161	-11.053	-13.256	12.703	-18.352	-20.199	26.972	18.561	24.105	23.504	24.764	21.181	22.099	22.779	22.048	21.052	20.55	22.4	23	24.4	9.2	20.7	21.8	23.9	22.1	21.6	22.2	15.4	20.7	21.6	27.7	22.1	18.5	-39.2	19.2	17.2	16.9	-33	19	16.5	15.1	15.7	14	14.6	12.7	13	14.7	13.2	13.5	13.5	13.2	10.7	11.5	12	14.2	12.7	-29	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0
Income Before Tax Numbers are in millions	144.824	135.665	126.91	133.874	80.802	119.186	110.02	111.594	123.845	108.812	173.599	125.755	98.369	113.803	107.322	109.566	191.107	83.385	68.652	-4.254	77.268	72.998	67.425	68.274	24.486	65.24	66.297	67.571	63.82	61.843	56.261	57.329	53.962	53.93	48.565	48.798	39.973	31.214	39.946	48.152	36.449	48.04	48.66	31.668	47.095	47.607	40.601	48.121	27.544	36.281	41.413	64.986	30.081	36.103	36.593	43.582	27.658	30.132	32.546	36.516	29.828	32.857	26.317	31.474	27.845	31.066	33.784	47.137	20.717	30.672	28.843	24.743	21.926	21.466	20.752	17.874	19.332	22.071	19.004	15.913	13.757	13.408	10.633	13.937	24.577	14.52	17.728	19.161	12.703	14.529	18.346	26.972	18.561	24.105	23.504	24.764	21.181	22.099	22.779	22.048	21.052	20.55	22.4	23	24.4	9.2	20.7	21.8	23.9	22.1	21.6	22.2	15.4	20.7	21.6	27.7	22.1	18.5	17.8	19.2	17.2	16.9	17.2	19	16.5	15.1	15.7	14	14.6	12.7	13	14.7	13.2	13.5	13.5	13.2	10.7	11.5	12	14.2	12.7	13.2	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0
Income Before Tax Ratio Numbers are in millions	0.261	0.373	0.364	0.372	0.218	0.372	0.335	0.327	0.558	0.325	0.698	0.567	0.322	0.353	0.344	0.532	0.473	0.423	0.356	-0.02	0.291	0.333	0.311	0.323	0.102	0.266	0.272	0.278	0.237	0.392	0.372	0.396	0.232	0.408	0.224	0.231	0.192	0.155	0.189	0.513	0.196	0.245	0.243	0.166	0.217	0.534	0.471	0.574	0.229	0.215	0.485	0.767	0.17	0.422	0.423	0.507	0.159	0.347	0.375	0.424	0.185	0.369	0.3	0.349	0.188	0.333	0.366	0.457	0.155	0.296	0.223	0.199	0.18	0.18	0.174	0.159	0.177	0.309	0.294	0.262	0.137	0.249	0.202	0.257	0.213	0.247	0.293	0.299	0.117	0.132	0.164	0.225	0.161	0.206	0.201	0.221	0.195	0.204	0.215	0.21	0.205	0.207	0.223	0.231	0.249	0.098	0.217	0.229	0.252	0.236	0.238	0.255	0.182	0.247	0.261	0.302	0.248	0.219	0.206	0.228	0.205	0.205	0.208	0.234	0.203	0.191	0.216	0.224	0.23	0.211	0.216	0.248	0.232	0.237	0.237	0.243	0.199	0.215	0.231	0.279	0.245	0.256	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0
Income Tax Expense Numbers are in millions	24.827	26.022	25.565	23.616	9.879	22.632	19.91	19.157	23.672	20.822	36.043	19.792	19.873	19.336	19.91	16.923	34.787	10.293	8.123	-0.815	10.753	10.616	10.466	10.53	-0.968	7.391	10.873	10.038	16.463	12.971	11.49	13.148	11.028	11.984	12.102	12.395	10.33	8.763	9.732	14.387	9.509	12.41	13.988	8.255	12.432	13.175	10.672	13.18	6.484	10.156	12.248	18.619	6.815	10.088	10.272	12.712	8.626	7.359	9.533	10.331	5.97	8.859	7.29	8.873	7.618	9.297	10.06	14.781	5.418	9.145	8.78	7.419	6.124	5.601	5.893	4.633	4.377	5.9	5.391	4.333	2.098	1.4	2.219	3.179	6.914	1.287	4.252	4.654	0.555	3.044	4.384	7.394	4.623	7.239	6.796	7.046	5.602	5.769	6.121	5.504	5.175	5.065	6.1	6.6	7.1	1.8	6.3	6.6	7.1	7	6.8	7.2	4.5	6.7	7.1	9.7	7.1	6.2	5.7	6.3	5.1	5.6	6.1	5.7	5.3	5.2	5.1	4.5	4	3.5	3.7	4.4	3.3	3.7	3.5	3.4	2.3	2.4	2.6	3.9	2.7	3.2	-9	-8.6	-9	-8.2	-8.5	-8.8	-8.5	-7.8	-8.1	-8	-7.5	-8	-7.7	-7.9	-6.8	-7.3
Net Income Numbers are in millions	119.997	109.643	101.345	110.258	70.923	96.554	90.11	92.437	100.173	87.99	137.556	105.963	78.496	94.467	87.412	92.643	156.32	73.092	60.529	-3.439	66.515	62.382	56.959	57.744	25.454	57.849	55.424	56.786	111.961	48.142	42.821	44.181	42.934	41.946	37.518	36.403	29.643	22.451	30.214	33.765	26.94	35.63	34.672	23.413	34.663	34.432	29.929	34.941	21.06	26.125	29.165	46.367	23.266	26.015	26.321	30.87	19.032	22.773	23.013	26.185	23.858	23.998	19.027	22.601	20.227	21.769	23.724	32.356	15.299	21.527	20.063	17.324	15.802	15.865	14.859	13.241	14.955	16.171	13.613	11.58	11.659	12.008	8.414	10.758	17.663	13.233	13.476	14.507	12.148	11.485	13.962	19.578	13.938	16.866	16.708	17.718	15.579	16.33	16.658	16.544	15.877	15.485	16.3	16.4	17.3	7.4	14.4	15.2	16.8	15.1	14.8	15	10.9	14	14.5	18	15	12.3	12.1	12.9	12.1	11.3	11.1	13.3	11.2	9.9	10.6	9.5	10.6	9.2	9.3	10.3	9.9	9.8	10	9.8	8.4	9.1	9.4	10.3	10	10	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0
Net Income Ratio Numbers are in millions	0.216	0.301	0.291	0.306	0.191	0.301	0.274	0.271	0.451	0.263	0.553	0.478	0.257	0.293	0.28	0.45	0.387	0.371	0.314	-0.016	0.251	0.285	0.263	0.273	0.106	0.236	0.228	0.233	0.416	0.305	0.283	0.305	0.185	0.318	0.173	0.173	0.142	0.112	0.143	0.359	0.145	0.182	0.173	0.123	0.159	0.386	0.347	0.416	0.175	0.155	0.342	0.547	0.131	0.304	0.304	0.359	0.11	0.262	0.265	0.304	0.148	0.27	0.217	0.251	0.137	0.233	0.257	0.314	0.114	0.208	0.155	0.139	0.13	0.133	0.125	0.118	0.137	0.226	0.21	0.191	0.116	0.223	0.16	0.198	0.153	0.225	0.223	0.227	0.112	0.104	0.125	0.164	0.121	0.144	0.143	0.158	0.143	0.151	0.157	0.158	0.155	0.156	0.162	0.165	0.177	0.079	0.151	0.16	0.177	0.161	0.163	0.172	0.129	0.167	0.175	0.196	0.168	0.146	0.14	0.153	0.144	0.137	0.134	0.164	0.138	0.125	0.146	0.152	0.167	0.153	0.155	0.174	0.174	0.172	0.175	0.18	0.156	0.17	0.181	0.202	0.193	0.194	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0
EPS Numbers are in millions	2.46	2.25	2.08	2.27	1.46	1.99	1.86	1.91	2.07	1.82	2.85	2.19	1.62	1.96	1.81	1.93	3.26	1.52	1.26	-0.071	1.36	1.28	1.17	1.19	0.52	1.17	1.12	1.15	2.27	0.98	0.87	0.9	0.88	0.86	0.76	0.74	0.61	0.46	0.65	0.75	0.6	0.79	0.77	0.52	0.78	0.85	0.75	0.88	0.53	0.65	0.73	1.16	0.58	0.65	0.66	0.77	0.47	0.57	0.57	0.65	0.6	0.6	0.47	0.56	0.5	0.54	0.58	0.79	0.37	0.52	0.48	0.41	0.38	0.37	0.35	0.31	0.35	0.19	0.16	0.27	0.27	0.28	0.2	0.25	0.41	0.31	0.31	0.33	0.28	0.13	0.16	0.22	0.32	0.38	0.18	0.17	0.35	0.37	0.16	0.16	0.35	0.13	0.14	0.15	0.37	0.062	0.12	0.13	0.35	0.12	0.13	0.13	0.23	0.12	0.11	0.13	0.3	0.082	0.08	0.087	0.23	0.077	0.075	0.08	0.21	0.059	0.074	0.071	0.25	0.07	0.07	0.079	0.23	0.066	0.069	0.066	0.2	0.063	0.063	0.072	0.24	0.066	0.06	0.072	0	0.055	0.056	0.059	0	0.047	0.051	0.05	0	0.033	0.031	0.032	0	0.028
EPS Diluted Numbers are in millions	2.44	2.23	2.07	2.25	1.45	1.98	1.85	1.9	2.06	1.81	2.83	2.17	1.61	1.94	1.79	1.91	3.24	1.52	1.26	-0.071	1.35	1.27	1.16	1.18	0.52	1.16	1.11	1.14	2.25	0.97	0.86	0.89	0.87	0.85	0.76	0.74	0.6	0.46	0.65	0.74	0.59	0.78	0.76	0.52	0.77	0.83	0.74	0.87	0.52	0.64	0.72	1.15	0.58	0.64	0.65	0.76	0.47	0.57	0.57	0.65	0.6	0.59	0.47	0.55	0.49	0.53	0.58	0.78	0.37	0.51	0.48	0.41	0.38	0.37	0.35	0.31	0.35	0.19	0.16	0.27	0.27	0.28	0.2	0.25	0.4	0.31	0.31	0.33	0.28	0.13	0.16	0.22	0.31	0.38	0.18	0.17	0.35	0.37	0.16	0.16	0.35	0.13	0.14	0.15	0.37	0.062	0.12	0.13	0.35	0.12	0.13	0.13	0.23	0.12	0.11	0.13	0.3	0.082	0.08	0.087	0.23	0.077	0.075	0.08	0.21	0.059	0.074	0.071	0.25	0.07	0.07	0.079	0.23	0.066	0.069	0.066	0.2	0.063	0.063	0.072	0.24	0.066	0.06	0.072	0	0.055	0.056	0.059	0	0.047	0.051	0.05	0	0.033	0.031	0.032	0	0.028
EBITDA Numbers are in millions	0	148.612	140.203	137.986	-12.099	133.97	124.695	126.982	138.116	122.369	186.641	138.907	112.38	131.283	120.994	0	207.462	0	0	0	92.138	87.07	81.127	81.888	0	78.477	79.47	80.942	0	74.846	70.421	0	67.569	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0
EBITDA Ratio Numbers are in millions	0	0.408	0.402	0.383	-0.033	0.418	0.379	0.372	0.622	0.366	0.751	0.626	0.368	0.407	0.388	0	0.514	0	0	0	0.347	0.397	0.374	0.388	0	0.319	0.326	0.332	0	0.474	0.466	0	0.291	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0

UMB Financial Corporation

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NASDAQ:UMBF