Financials UMB Financial Corporation

Equities

UMBF

US9027881088

Banks

Real-time Estimate Cboe BZX Other stock markets 10:26:21 12/02/2026 pm IST			5-day change	1st Jan Change
129.80 ^USD	-1.78%		-1.25%	+13.36%

04/02	UMB Financial Insider Sold Shares Worth $2,408,024, According to a Recent SEC Filing	MT
28/01	UMB Financial Corporation, Q4 2025 Earnings Call, Jan 28, 2026

Projected Income Statement: UMB Financial Corporation

Fiscal Period: December	2020	2021	2022	2023	2024	2025	2026	2027
Net sales ¹	1,291	1,283	1,468	1,488	1,655	2,685	2,886	3,078
Change	-	-0.67%	14.45%	1.38%	11.19%	62.25%	7.5%	6.62%
EBITDA	-	-	-	-	-	-	-	-
Change	-	-	-	-	-	-	-	-
EBIT ¹	469.4	449.1	571.5	524.8	625.8	1,165	1,330	1,450
Change	-	-4.33%	27.27%	-8.18%	19.24%	86.16%	14.21%	9%
Interest Paid	-	-	-	-	-	-	-	-
Earnings before Tax (EBT) ¹	338.9	429.1	532	421.6	541.3	875	1,194	1,300
Change	-	26.61%	23.99%	-20.75%	28.38%	61.65%	36.47%	8.87%
Net income ¹	286.5	353	431.7	350	441.2	684.6	919.3	1,001
Change	-	23.22%	22.28%	-18.92%	26.06%	55.16%	34.28%	8.88%
Announcement Date	26/01/21	25/01/22	24/01/23	30/01/24	28/01/25	27/01/26	-	-

¹USD in Million

Estimates

Fiscal Period: December	2020 Q4	2021 Q1	2021 Q2	2021 Q3	2021 Q4	2022 Q1	2022 Q2	2022 Q3	2022 Q4	2023 Q1	2023 Q2	2023 Q3	2023 Q4	2024 Q1	2024 Q2	2024 Q3	2024 Q4	2025 Q1	2025 Q2	2025 Q3	2025 Q4	2026 Q1	2026 Q2	2026 Q3	2026 Q4	2027 Q1	2027 Q2	2027 Q3
Net sales ¹	423	303	332.7	317.7	329.4	334	401.1	362.2	370.7	371.9	363.7	355.4	377.4	405.2	396.4	410.1	440.6	571.3	697.5	686.7	729.6	701.1	714.5	728.5	742.4	749	769.2	783
Change	-	-28.36%	9.78%	-4.51%	3.68%	1.42%	20.09%	-9.7%	2.33%	0.33%	-2.21%	-2.27%	6.19%	7.35%	-2.16%	3.45%	7.43%	29.69%	22.08%	-1.55%	6.26%	-3.91%	1.91%	1.97%	1.91%	0.88%	2.7%	1.8%
EBITDA	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Change	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
EBIT ¹	196.1	102.1	131.3	108.8	106.9	119.3	187.1	131.2	134.1	135.4	127.9	126.6	134.9	157.5	146.8	158.6	166.9	233.3	309.2	293.4	329.1	319.3	336.2	345.6	353.6	342	370	376.3
Change	-	-47.95%	28.66%	-17.15%	-1.78%	11.59%	56.85%	-29.88%	2.2%	0.98%	-5.5%	-1.05%	6.56%	16.72%	-6.74%	7.99%	5.25%	39.78%	32.53%	-5.11%	12.17%	-2.97%	5.31%	2.77%	2.33%	-3.27%	8.18%	1.7%
Charge d'intérêts	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Earnings before Tax (EBT) ¹	191.1	109.6	107.3	113.8	98.37	125.8	173.6	108.8	123.8	111.6	110	119.2	80.8	133.9	126.9	135.7	144.8	93.05	275	236.6	270.3	281.7	296.8	306.3	312.1	305.7	332.4	342.1
Change	-	-42.67%	-2.05%	6.04%	-13.56%	27.84%	38.05%	-37.32%	13.82%	-9.89%	-1.41%	8.33%	-32.21%	65.68%	-5.2%	6.9%	6.75%	-35.75%	195.58%	-13.99%	14.27%	4.2%	5.35%	3.23%	1.89%	-2.06%	8.73%	2.93%
Net income ¹	156.3	92.64	87.41	94.47	78.5	106	137.6	87.99	100.2	92.44	90.11	96.55	70.92	110.3	101.3	109.6	120	79.32	215.4	180.4	209.5	215.7	227.7	235	240.9	233.9	252.7	259.5
Change	-	-40.74%	-5.65%	8.07%	-16.91%	34.99%	29.82%	-36.03%	13.85%	-7.72%	-2.52%	7.15%	-26.55%	55.46%	-8.08%	8.19%	9.44%	-33.9%	171.54%	-16.25%	16.17%	2.95%	5.54%	3.2%	2.51%	-2.9%	8.06%	2.68%
Announcement Date	26/01/21	27/04/21	27/07/21	26/10/21	25/01/22	26/04/22	26/07/22	25/10/22	24/01/23	25/04/23	25/07/23	24/10/23	30/01/24	29/04/24	30/07/24	29/10/24	28/01/25	29/04/25	29/07/25	28/10/25	27/01/26	-	-	-	-	-	-	-

¹USD in Million

Estimates

Forecast Balance Sheet: UMB Financial Corporation

Fiscal Period: December	2020	2021	2022	2023	2024	2025	2026	2027
Net Debt	-	-	-	-	-	-	-	-
Change	-	-	-	-	-	-	-	-
Announcement Date	26/01/21	25/01/22	24/01/23	30/01/24	28/01/25	27/01/26	-	-

Estimates

Cash Flow Forecast: UMB Financial Corporation

Fiscal Period: December	2019	2020	2021	2022	2023	2024
CAPEX ¹	72.31	60.22	33.69	51.72	26.91	24.21
Change	-	-16.73%	-44.06%	53.52%	-47.97%	-10.05%
Free Cash Flow (FCF) ¹	-	-	-	-	-	-
Change	-	-	-	-	-	-
Announcement Date	27/02/20	01/03/21	24/02/22	23/02/23	22/02/24	27/02/25

¹USD in Million

Estimates

Forecast Financial Ratios: UMB Financial Corporation

Fiscal Period: December	2019	2020	2021	2022	2023	2024	2025	2026	2027
Profitability
EBITDA Margin (%)	-	-	-	-	-	-	-	-	-
EBIT Margin (%)	-	36.35%	35.01%	38.93%	35.26%	37.81%	43.38%	46.09%	47.12%
EBT Margin (%)	-	26.24%	33.45%	36.24%	28.33%	32.71%	32.59%	41.37%	42.24%
Net margin (%)	-	22.19%	27.52%	29.41%	23.52%	26.66%	25.5%	31.85%	32.52%
FCF margin (%)	-	-	-	-	-	-	-	-	-
FCF / Net Income (%)	-	-	-	-	-	-	-	-	-
Profitability
ROA	-	1%	1%	1.15%	1%	1.07%	1.26%	1.26%	1.28%
ROE	-	10.21%	11.47%	15.88%	13.87%	13.85%	12.51%	11.39%	11.24%
Financial Health
Leverage (Debt/EBITDA)	-	-	-	-	-	-	-	-	-
Debt / Free cash flow	-	-	-	-	-	-	-	-	-
Capital Intensity
CAPEX / Current Assets (%)	-	-	-	-	-	-	-	-	-
CAPEX / EBITDA (%)	-	-	-	-	-	-	-	-	-
CAPEX / FCF (%)	-	-	-	-	-	-	-	-	-
Items per share
Cash flow per share ¹	-	-	-	-	-	-	-	-	-
Change	-	-	-	-	-	-	-	-	-
Dividend per Share ¹	-	1.25	1.38	1.49	1.53	1.57	1.63	1.719	1.777
Change	-	-	10.4%	7.97%	2.68%	2.61%	3.82%	5.67%	3.38%
Book Value Per Share ¹	-	62.84	64.95	55.2	63.85	71.02	97.65	109	120.4
Change	-	-	3.36%	-15.01%	15.67%	11.23%	37.5%	12.03%	10.47%
EPS ¹	-	5.93	7.24	8.86	7.18	8.99	9.29	12.11	13.22
Change	-	-	22.09%	22.38%	-18.96%	25.21%	3.34%	35.92%	9.2%
Nbr of stocks (in thousands)	-	48,031	48,359	48,312	48,531	48,798	75,961	75,961	75,961
Announcement Date	-	26/01/21	25/01/22	24/01/23	30/01/24	28/01/25	27/01/26	-	-