Cash flow UMB Financial Corporation

Equities

UMBF

US9027881088

Banks

Market Closed - Nasdaq Other stock markets 01:30:00 14/09/2024 am IST			5-day change	1st Jan Change
105.12 ^USD	+3.15%		+5.30%	+25.82%

04/09	Umb Financial Insider Sold Shares Worth $2,503,212, According to a Recent SEC Filing	MT
27/08	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	64Cr	59Cr	62Cr	81Cr	140Cr
Interest Income On Investments	23Cr	22Cr	24Cr	33Cr	44Cr
Interest Income, Total	86Cr	81Cr	86Cr	113.75Cr	183.87Cr
Interest On Deposits	15Cr	5.82Cr	2.64Cr	17Cr	70Cr
Total Interest On Borrowings	3.78Cr	1.9Cr	1.96Cr	5.62Cr	21Cr
Interest Expense, Total	19Cr	7.73Cr	4.6Cr	22Cr	92Cr
Net Interest Income	67Cr	73Cr	82Cr	91Cr	92Cr
Service Charges On Deposits	8.27Cr	8.39Cr	8.61Cr	8.52Cr	8.5Cr
Trust Income	18Cr	19Cr	22Cr	24Cr	26Cr
Income From Trading Activities	2.35Cr	3.29Cr	3.09Cr	2.32Cr	1.96Cr
Gain (Loss) on Sale of Assets	4L	8L	26.66L	30.63L	43.43L
Gain (Loss) on Sale of Invest. & Securities - (Rev)	32.18L	12Cr	50.57L	5.84Cr	-31.39L
Total Other Non Interest Income	14Cr	13Cr	12Cr	15Cr	18Cr
Non Interest Income, Total	43Cr	56Cr	47Cr	55Cr	54Cr
Revenues Before Provison For Loan Losses	109.77Cr	129.14Cr	128.27Cr	146.8Cr	146.2Cr
Provision For Loan Losses	3.28Cr	13Cr	2Cr	3.79Cr	4.12Cr
Total Revenues	106.48Cr	116.09Cr	126.27Cr	143.01Cr	142.07Cr
Salaries And Other Employee Benefits	45Cr	48Cr	48Cr	50Cr	53Cr
Amort. of Goodwill & Intang. Assets	55.06L	65.17L	47.57L	50.37L	85.87L
Occupancy Expense	3.55Cr	3.47Cr	3.55Cr	3.69Cr	4.85Cr
Federal Deposit Insurance	1.15Cr	1.03Cr	1.19Cr	1.54Cr	7.7Cr
Selling General & Admin Expenses, Total	23Cr	23Cr	24Cr	27Cr	26Cr
Total Other Non Interest Expense	4.49Cr	6.24Cr	5.33Cr	6.96Cr	6.72Cr
Non Interest Expense, Total	78Cr	82Cr	83Cr	90Cr	100Cr
EBT, Excl. Unusual Items	29Cr	34Cr	43Cr	53Cr	42Cr
Total Merger & Related Restructuring Charges	-	-	-	-	-
Other Unusual Items	-	-	-	-	-
EBT, Incl. Unusual Items	29Cr	34Cr	43Cr	53Cr	42Cr
Income Tax Expense	4.24Cr	5.24Cr	7.6Cr	10Cr	7.16Cr
Earnings From Continuing Operations	24Cr	29Cr	35Cr	43Cr	35Cr
Earnings Of Discontinued Operations	-	-	-	-	-
Net Income to Company	24Cr	29Cr	35Cr	43Cr	35Cr
Net Income - (IS)	24Cr	29Cr	35Cr	43Cr	35Cr
Net Income to Common Incl Extra Items	24Cr	29Cr	35Cr	43Cr	35Cr
Net Income to Common Excl. Extra Items	24Cr	29Cr	35Cr	43Cr	35Cr
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	4.88Cr	4.81Cr	4.83Cr	4.83Cr	4.85Cr
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	4.91Cr	4.83Cr	4.87Cr	4.87Cr	4.88Cr
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	4.25Cr	5.72Cr	8.88Cr	11Cr	9.2Cr
Total Current Taxes	4.25Cr	5.72Cr	8.88Cr	11Cr	9.2Cr
Deferred Domestic Taxes	-2L	-48.36L	-1.27Cr	-63.08L	-2.04Cr
Total Deferred Taxes	-2L	-48.36L	-1.27Cr	-63.08L	-2.04Cr
Normalized Net Income	18Cr	21Cr	27Cr	33Cr	26Cr
Supplemental Operating Expense Items
Stock-Based Comp., SG&A Exp. (Total)	1.48Cr	1.51Cr	2.12Cr	2.15Cr	1.87Cr
Total Stock-Based Compensation	1.48Cr	1.51Cr	2.12Cr	2.15Cr	1.87Cr

Fiscal Period: December	2019	2020	2021	2022	2023
Assets
Cash And Equivalents	47Cr	43Cr	41Cr	51Cr	45Cr
Investment Securities, Total	617.45Cr	679.98Cr	667.84Cr	729.96Cr	712.25Cr
Trading Asset Securities, Total	10Cr	14Cr	8.96Cr	6.61Cr	18Cr
Mortgage Backed Securities	407.18Cr	546.82Cr	836.12Cr	694.77Cr	635.9Cr
Total investments	1.03TCr	1.24TCr	1.51TCr	1.43TCr	1.37TCr
Gross Loans	1.34TCr	1.61TCr	1.72TCr	2.1TCr	2.32TCr
Allowance For Loan Losses	-10Cr	-22Cr	-19Cr	-19Cr	-22Cr
Net Loans	1.33TCr	1.59TCr	1.7TCr	2.08TCr	2.3TCr
Gross Property Plant And Equipment	63Cr	63Cr	63Cr	64Cr	66Cr
Accumulated Depreciation	-33Cr	-34Cr	-36Cr	-37Cr	-39Cr
Net Property Plant And Equipment	30Cr	29Cr	28Cr	27Cr	26Cr
Goodwill	18Cr	18Cr	17Cr	21Cr	21Cr
Other Intangibles, Total	9.33Cr	8.52Cr	6.72Cr	12Cr	10Cr
Investment in FHLB	1Cr	1Cr	-	-	-
Loans Held For Sale	78.03L	67.08L	12.77L	19.78L	44.2L
Accrued Interest Receivable	12Cr	14Cr	13Cr	19Cr	22Cr
Other Receivables	5.8Cr	6.21Cr	7.36Cr	7.61Cr	8.66Cr
Restricted Cash	119.62Cr	306.69Cr	880.07Cr	105.72Cr	508.11Cr
Deferred Tax Assets Long-Term (Collected)	-	-	-	25Cr	22Cr
Other Real Estate Owned And Foreclosed	29.35L	47.4L	-	68T	17.38L
Other Long-Term Assets, Total	44Cr	55Cr	65Cr	67Cr	76Cr
Total Assets	2.66TCr	3.31TCr	4.27TCr	3.85TCr	4.4TCr
Liabilities
Accrued Expenses, Total	20Cr	22Cr	22Cr	24Cr	38Cr
Interest Bearing Deposits	1.4TCr	1.68TCr	1.88TCr	1.88TCr	2.29TCr
Institutional Deposits	61Cr	40Cr	45Cr	54Cr	78Cr
Non-Interest Bearing Deposits	694.45Cr	988Cr	1.63TCr	1.33TCr	1.21TCr
Total Deposits	2.16TCr	2.71TCr	3.56TCr	3.26TCr	3.58TCr
Short-Term Borrowings	190.25Cr	232.49Cr	325.24Cr	234.85Cr	402.47Cr
Current Portion of Long-Term Debt	5T	-	-	-	-
Current Portion of Leases	1.24Cr	1.27Cr	1.24Cr	1.23Cr	1.2Cr
Long-Term Debt	2.71Cr	20Cr	20Cr	31Cr	31Cr
Federal Home Loan Bank Debt - Long-Term	-	-	-	-	-
Long-Term Leases	6.06Cr	5.9Cr	5.22Cr	5.12Cr	4.69Cr
Trust Preferred Securities (BS)	7.04Cr	7.17Cr	7.32Cr	7.46Cr	7.56Cr
Other Current Liabilities - (Bank / Utility Template)	1.46Cr	21.77L	31.97L	35.03L	80.18L
Deferred Tax Liability Non-Current	3.02Cr	9.56Cr	2.21Cr	-	-
Other Non Current Liabilities	3.19Cr	7.69Cr	11Cr	17Cr	26Cr
Total Liabilities	2.4TCr	3.01TCr	3.95TCr	3.58TCr	4.09TCr
Common Stock, Total	5.51Cr	5.51Cr	5.51Cr	5.51Cr	5.51Cr
Additional Paid In Capital	107.38Cr	109.04Cr	111.05Cr	112.59Cr	113.44Cr
Retained Earnings	167.24Cr	189.12Cr	217.7Cr	253.61Cr	281.08Cr
Treasury Stock	-28Cr	-34Cr	-32Cr	-35Cr	-34Cr
Comprehensive Income and Other	8.32Cr	32Cr	13Cr	-70Cr	-56Cr
Total Common Equity	260.64Cr	301.69Cr	314.54Cr	266.71Cr	310.04Cr
Total Equity	260.64Cr	301.69Cr	314.54Cr	266.71Cr	310.04Cr
Total Liabilities And Equity	2.66TCr	3.31TCr	4.27TCr	3.85TCr	4.4TCr
Supplemental Items
ECS Total Shares Outstanding on Filing Date	4.91Cr	4.82Cr	4.85Cr	4.85Cr	4.87Cr
ECS Total Common Shares Outstanding	4.91Cr	4.8Cr	4.84Cr	4.83Cr	4.86Cr
Book Value / Share	53.09	62.84	64.95	55.2	63.85
Tangible Book Value	233.23Cr	275.08Cr	290.37Cr	233.53Cr	279.16Cr
Tangible Book Value Per Share	47.5	57.3	59.96	48.33	57.49
Average Assets	2.38TCr	2.86TCr	3.53TCr	3.76TCr	3.97TCr
Average Loans	1.28TCr	1.51TCr	1.66TCr	1.88TCr	2.23TCr
Total Debt	207.3Cr	266.61Cr	358.85Cr	279.33Cr	446.69Cr
Deposits at Interest - Cash	119.62Cr	306.69Cr	880.07Cr	105.72Cr	508.11Cr
Federal Funds Sold	157.83Cr	165.03Cr	121.64Cr	96Cr	25Cr
Net Debt	-11Cr	40Cr	182.76Cr	114.6Cr	351.6Cr
Equity Method Investments, Total	70L	-	-	-	-
Full Time Employees	3.67T	3.59T	3.53T	3.77T	3.6T
Number Of Offices	93	91	91	89	88

Fiscal Period: December	2019	2020	2021	2022	2023
Net Income	24Cr	29Cr	35Cr	43Cr	35Cr
Depreciation, Depletion & Amortization	5.08Cr	5.63Cr	5.1Cr	4.9Cr	5.01Cr
Amortization of Goodwill and Intangible Assets - (CF)	55.06L	65.17L	47.57L	50.37L	85.87L
Total Depreciation, Depletion & Amortization	5.63Cr	6.28Cr	5.57Cr	5.4Cr	5.87Cr
Amortization of Deferred Charges, Total	-	1L	4L	6L	9L
Gain (Loss) on Sale of Loans & Receivables - (CF)	-13.7L	-39.64L	-51.28L	-11.95L	-16.93L
(Gain) Loss On Sale of Asset - (CF)	-4L	-8L	-26.66L	-30.63L	-43.43L
(Gain) Loss on Sale of Investments - (CF)	3.2Cr	-7.61Cr	4.89Cr	-1.19Cr	4.62Cr
Provision for Credit Losses	3.28Cr	13Cr	2Cr	3.79Cr	4.12Cr
Stock-Based Compensation (CF)	1.48Cr	1.51Cr	2.12Cr	2.15Cr	1.87Cr
Tax Benefit from Stock Options	8L	3L	25.97L	-	-
Net (Increase) Decrease in Loans Originated / Sold - Operating	-32.41L	50.59L	1.06Cr	5L	-7L
Changes in Accrued Interest Receivable	-1.43Cr	-1.54Cr	45.87L	-5.82Cr	-3.11Cr
Change in Other Net Operating Assets (Collected)	-3.55Cr	-3.64Cr	4.78Cr	29Cr	1.52Cr
Other Operating Activities	1.59Cr	57.62L	-2.31Cr	75.87L	-2.06Cr
Net Cash From Discontinued Operations	-	-	-	-	-
Cash from Operations	34Cr	37Cr	53Cr	77Cr	47Cr
Capital Expenditure	-7.23Cr	-6.02Cr	-3.37Cr	-5.17Cr	-2.69Cr
Sale of Property, Plant, and Equipment	55.36L	85.68L	39L	67.31L	38.06L
Cash Acquisitions	-1.85Cr	-	-	-	-8L
Divestitures	-	24T	1.84Cr	55Cr	-
Investment in Marketable and Equity Securities, Total	-68Cr	-157.52Cr	-344.04Cr	-65Cr	20Cr
Net (Increase) Decrease in Loans Originated / Sold - Investing	-128.48Cr	-269.38Cr	-111.77Cr	-395.22Cr	-215.91Cr
Other Investing Activities, Total	-95Cr	-17Cr	33Cr	26Cr	71Cr
Cash from Investing	-300.04Cr	-449.11Cr	-423.55Cr	-384.54Cr	-127.33Cr
Short Term Debt Issued, Total	38Cr	43Cr	92Cr	-	3.29TCr
Long-Term Debt Issued, Total	1.86Cr	20Cr	-	11Cr	-
Total Debt Issued	40Cr	63Cr	92Cr	11Cr	3.29TCr
Short Term Debt Repaid, Total	-	-1.5Cr	-	-101.63Cr	-3.12TCr
Long-Term Debt Repaid, Total	-48.26L	-	-	-	-
Total Debt Repaid	-48.26L	-1.5Cr	-	-101.63Cr	-3.12TCr
Issuance of Common Stock	46.37L	51.86L	1.9Cr	21.36L	24.61L
Repurchase of Common Stock	-44.96L	-6.38Cr	-55.06L	-3.2Cr	-83.67L
Common Dividends Paid	-5.94Cr	-6.03Cr	-6.68Cr	-7.2Cr	-7.42Cr
Common & Preferred Stock Dividends Paid	-5.94Cr	-6.03Cr	-6.68Cr	-7.2Cr	-7.42Cr
Net Increase (Decrease) in Deposit Accounts - (CF)	232.2Cr	544.8Cr	854.87Cr	-357.06Cr	315.37Cr
Other Financing Activities, Total	-	-22.5L	-	-21.29L	-
Cash from Financing	265.41Cr	594.59Cr	941.84Cr	-458.09Cr	477.11Cr
Net Change in Cash	-49.51L	182.84Cr	571.7Cr	-765.67Cr	397.04Cr
Supplemental Items
Cash Interest Paid	19Cr	8.41Cr	4.71Cr	20Cr	84Cr
Cash Income Tax Paid (Refund)	22.45L	3.41Cr	9.26Cr	10Cr	7.93Cr
Net Debt Issued / Repaid	39Cr	62Cr	92Cr	-91Cr	169.75Cr

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	-4.1Cr	-4.44Cr	-1.2Cr	8.8Cr	1.26Cr
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	1.07T	434.06	481.18	2.1T
Allowance for Credit Losses / Nonperforming Loans %	180.64	245.92	211.02	995.57	1.66T
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